Travel insurance for France

A single night in a French public hospital could set you back over $500, but travel insurance for France costs as little as $5/day*.

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A single night in a French public hospital could set you back over $500, but travel insurance for France costs as little as $5/day*.

Whether you’re backpacking or planning a romantic getaway, travelling to France doesn’t come without its risks. From pickpockets, to pneumonia, you never know what could happen, and it’s better to be safe than sorry.

*Based on a quote taken on 22 May 2019 for a 2-week trip to France for a 35-year old traveller.

Compare Travel Insurance for France

Name Product Medical Cover Cancellation Cover Luggage and Personal Effects Cover Default Excess
Unlimited
$50,000
$0
$100
Unlimited
$50,000
$5,000
$100

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What are some travel risks specific to France?

There are risks that visitors need to be aware of when travelling in France. These are hazards common to many European countries and include:

  • Increase in terrorist threats. Terrorism has become an escalating concern across the globe and France has not escaped its reach. There have been several incidents in recent years.
  • Civil unrest from protests and demonstrations. Protests and demonstrations are common in France and can turn violent at times. Tourists should avoid such gatherings, particularly at night and in outlying Paris suburbs.
  • Petty crime/pickpockets. Petty crime is widespread in France, particularly in larger cities where tourists are often the targets. Be vigilant on public transport, don’t leave belongings or hire vehicles unattended and only use ATMs in controlled areas such as banks and shopping centres.

There are risks such as these in every country to varying degrees and they serve to highlight why it is so important to have travel insurance when holidaying overseas.

What activities should you consider getting extra cover for?

There are a huge range of activities to pursue in France, from bicycle riding by the Seine, to skiing in the French Alps. They include:

  • Tramping – walking holidays are extremely popular in France and there are many tour operators offering packages.
  • Climbing – France is home to the majestic Pyrenees and mountain climbing can be all year round, although some of the higher routes remain snowbound until late in the year.
  • Cycling – France has some 60,000 kilometres of cycle paths and many tour operators specialise in French cycling holidays.
  • Skiing and snowboarding – the best* skiing is in the Alps and downhill, cross-country and snowboarding are all catered for. You can learn more about travel insurance for the snow here.
  • Water sports – the Mediterranean offers a range of water sports including sailing, fishing, diving and jet skiing.
  • Motorcycling – this is a popular pastime in France, but due to the somewhat chaotic traffic conditions, tourists need to be extra vigilant.
  • Adventure sports – these include hang gliding and paragliding (popular in the Pyrenees) and caving in the Alps, Pyrenees and Massif Central.

Some of these activities are regarded as being higher risk than others, particularly motorcycling and adventure sports, so it would pay to take out extra cover for those activities not automatically covered by your travel insurance.

7753681500_b70e04047e_zThe dangers of cycling in Paris

Cycling is a popular means of transport in Paris, which has around 650 kilometres of dedicated cycle routes. Because of the number of cyclists on the roads and the famously erratic driving habits of Parisian motorists, cycling in Paris can be a dangerous pastime.

Cycling around the Arc de Triomphe for instance can be particularly perilous, with traffic coming at you from all directions and no one apparently willing to concede right of way.

Do you have travel insurance cover?

So if you plan to cycle in Paris, make sure it’s covered by your travel insurance and read the PDS carefully to see what the conditions are. And if the cover doesn’t seem comprehensive enough, you might want to consider taking out extra cover … just in case.

How do I make a medical claim?

The French hospital system

If you are unlucky enough to become ill or injured in France, you will be glad you took out travel insurance with overseas medical cover. France has no Reciprocal Healthcare Agreement with New Zealand and the average cost per day in a French public hospital is around $500.

General claims procedure

Ideally, you want your hospital bills to be paid directly by your insurer and some hospitals require such upfront payment. So when making a claim, you will need to contact your insurer and request upfront payment of your medical bills and submit a claim form, along with any necessary supporting documentation (i.e. medical bills, police reports etc).

Always read your policy carefully

This piece of advice is crucial, as your eligibility to claim will largely depend on certain conditions in the fine print of your policy.

Julia's excess surprise

Julia had worked long hours in hospitality to fund her 6 month Euro-trip on a budget. Just before she left, Julia bought a basic travel insurance plan. After nearly 6 months of exploring the continent, Julia decided to spend her final week, and what was left of her budget, in the southern part of France, Nice. On a lazy afternoon spent at the beach, Julia cut her feet badly on broken glass. With blood rushing out of her feet, she was rushed to Hospital Saint-Roch.

The costs of the ambulance, stitching and other hospital costs totalled over $5,000. When Julia attempted to claim she was quoted a $500 excess charge, sending her into a severe panic as she had withdrawn from her emergency funds to pay for her final week’s accommodation. Luckily, Julia was able to nominate her Dad to pay for the excess and return home smoothly, with the hospital bill taken care of.

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Who do I contact in an emergency?

If an emergency situation arises while you are holidaying in France, there are several ways you can get help:

  • Call friends and family. Especially if you need urgent cash.
  • Call the insurer’s 24/7 emergency hotline. Most insurers offer overseas support.
  • French police. Use national emergency line 112, if it is related to a crime.
  • New Zealand Embassy. Locations and contact details can be found on the MFAT website.

What are the specific entry requirements or rules for France?

As a general rule, New Zealanders holidaying in France or in countries that are part of the “Schengen Zone” for less than 90 days do not need a visa. If you are planning to spend more than 90 days, you will need to apply at the French Embassy in Wellington, New Zealand for a visa before you depart.

Common scams in France

As in many parts of the world, tourists can be seen as fair game by less desirable locals. When travelling in France, always carry your money securely in a money belt or internal pocket and be on the lookout for pickpockets, thieves and scam artists, particularly around major tourist attractions such as the Eiffel Tower. Popular scams include:

  • The gold ring. A gypsy will ‘find’ a gold ring and give it to you. If you take it, they will demand their share of its value
  • The string trick. A magician will show you a magic trick by tying a piece of string around your finger. While your arm is disabled, an accomplice will steal your wallet
  • The clumsy jogger. A jogger will ‘accidentally’ bump into you and then steal your wallet while helping you to your feet.

Five steps to selecting travel insurance

When selecting the level of travel insurance you will need, there are five questions to ask yourself:

  • Where are you going? Understand which part of France you are going, some parts of France may have a higher crime rate for instance
  • How long are you going for? Decide on single trip or annual multi-trip cover
  • What will you do there? Ask yourself if you will need extra cover for risky activities such as cycling
  • Are you taking valuable items? Consider extra cover for expensive cameras and electronics
  • Do you have any medical conditions? Make you declare any pre-existing medical conditions and pay for any extra cover necessary.

General benefits and exclusions

Travel insurance offers a range of benefits, including cover for medical expenses and evacuations, cancellations and delays and loss or theft of belongings. However, there are some common exclusions where cover will not be provided. These include;

  • Unattended belongings
  • Unapproved pre-existing medical conditions
  • Incidents involving reckless behaviour
  • Risky activities for which you do not have extra cover
  • Travelling against government advice
  • Ignoring road and driving rules
  • Changing your mind and choosing not to travel

As this guide shows, there are risks involved with travelling to any country and France is no exception. But as long as you exercise common sense and have comprehensive travel insurance to cover the unexpected, there is no reason why your French getaway shouldn’t be a safe and memorable experience.

*The use of the term ‘Best’ is not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies.

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