Why take out travel insurance when you travel abroad? Do I need Covid insurance? Follow us as we shed some light on the subject.

4 good reasons to take out travel insurance

Risk everywhere

Even with travel insurance, the risk of accident or illness abroad is no lower than in France. This risk is higher than in France, given that Thailand is the 2nd country with the highest rate of road deaths. What’s more, the COVID-19 crisis has shaken up accessibility rules in certain countries: Covid travel insurance is compulsory! Just because you’re on vacation doesn’t mean you should relax your vigilance. And without risk-taking or practised extreme sport, slipping in the bath and breaking something is so easy to do.

Travel insurance for your credit card

Some bank cards offer travel cover, but many don’t have the Covid travel insurance option. However, the level of coverage depends on the nature of the product. If you’re going away for more than three months, the insurance on your bank card won’t be enough, as cover is valid for 90 days. You should therefore take out travel insurance from day 1 for a long stay. The maximum cover is €11,000 for a basic bank card, which may not be enough depending on the destination, given that a broken leg in the USA costs around €40,000. The ceiling for Premium cards is €155,000. When you consider that a day in intensive care in the United States costs around €43,000, you can quickly add it all up!

Social security abroad

We are fortunate to have good social security coverage in France. However, it is important to note that social security outside the European Union does not work. As for European Union member countries, the European Health Insurance Card (EHIC) will cover part of your medical expenses. In these 2 cases, you’ll need to take out travel insurance to be 100% covered.

Repatriation assistance

Travel is supposed to be synonymous with joy, relaxation and discovery. Unfortunately, a serious accident can happen very quickly. If the local health staff so decide, you can be repatriated or transferred to another country. Travel insurance is essential to cover the cost of repatriation or travel to another country.

The ultimate aim of insuring your holiday is to ensure that you’re safe and protected in all circumstances, wherever you are in the world! With travel insurance, you have the right guarantees, so you’re sure to leave with optimum coverage. So when are you leaving?

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