Is there anything I need to consider when choosing travel insurance for France?
You’ll need to consider a fair bit, so thinking caps (or should that be berets?) on – for example, what are you planning to do in France? That will have an impact on what your policy will need to include. You might want to think about:
Winter sports: If you’re hitting the French Alps for a spot of skiing or snowboarding you’ll need to make sure your travel insurance isn’t ‘off piste’. Most insurers consider these sports as high-risk activities and therefore they are not covered by a standard travel insurance policy. You’ll probably have to bolt-on an extra layer of protection, or you could consider getting a specialist Winter Sports insurance to make sure you’re fully covered.
Catastrophe cover: Everyone likes a bit of drama but probably not when it could ruin your holiday. When you choose your policy it’s worth thinking about whether you’ll be covered in the event of a natural disaster or catastrophic event like an avalanche, hurricane or even earthquake.
Cancellation: What happens if you can’t go? Now – we’re not talking about cancelling because you don’t want to leave your kitten/puppy/budgie with the neighbours or anything like that. But what happens if you have a valid reason for not being able to go such as illness? Check if your insurance will pay out if something genuinely unpreventable stops you from going away.
Holiday protection: Sipping your coffee, croissant in hand, the sounds of Parisian life passing you by – what could possibly go wrong? How about your tour operator or holiday provider goes bust leaving you stranded (there’s only so many croissants you can eat). We’re not being overly dramatic, it can happen so on the off chance that your holiday isn’t ATOL protected, make sure your travel insurance has you covered. ATOL is a scheme that will ensure travellers are protected if their holiday provider fails to do so – look out for the ATOL logo when you book your trip.
Your worldly goods: Your suitcase and hand luggage contain thousands of pounds worth of goods, probably without you even realising it. How much is your phone worth, your tablet, jewellery, make up and clothes? What about the cost of replacing any documents like your passport? Always make sure you look at your belongings objectively, it’s easy to take them all for granted but if you had to replace them, how much would it set you back?
So, the lesson here is – always make sure you’re covered and just because you’re only hopping across the channel doesn’t mean you should scrimp on your travel insurance to France.