Do I need travel insurance to go to France?

France is one of the most popular tourist destinations on the planet - home to the French Riviera, some of the top ski resorts in The Alps, the top vineyards and their wines, and of course, the romantic city of Paris. 

In fact, it attracts around 200 million visitors per year - with Paris particularly popular thanks to attractions like the Eiffel Tower, the Louvre, and the Champs Elysees. 

France is also something of a sporting haven as it’s home to the Tour de France, skiing in the Alps, and the Pyrenees, and its national team are two-time world soccer champions. Although - for a more relaxing pursuit - you can take on the game of petanque. It’s also famous for its cooking - with the most Michelin-starred restaurants in the world.  

If you are traveling to France, AXA’s Schengen travel insurance offers extensive protection - as it can cover medical expenses up to €100,000 in France and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application. 

What does AXA Schengen travel insurance for France cover?

Starting at €33 per week (approx. US$36) of your trip, our Europe Travel insurance covers

  • Up to €100,000 coverage in medical expenses 
  • Medical repatriation & transport 
  • 24/7 medical assistance in English or French in case of urgency
  • Up to 180 days of coverage
  • All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)
  • Insurance certificate issued immediately and approved by the embassies
  • No age limit
  • Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for France?

Travel insurance is mandatory if you need a Schengen Visa for France. If you don’t need a visa, travel insurance is optional but strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Ready to subscribe?

Get Schengen Insurance

Do you cover emergency medical costs related to coronavirus? 

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice. 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection. 

Will AXA Schengen travel insurance be accepted with my France visa application?

AXA is a French firm and for years has been delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application. Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

What are the requirements for travel insurance for my France visa?

To obtain a Schengen Visa to France your insurance must meet the following criteria:

  • Minimum coverage for at least €30,000 in medical expenses
  • It should cover all member states of the Schengen Area
  • It should cover any expenses which might arise in connection with repatriation for medical reasons.

Do you cover French overseas territories?

AXA’s Schengen travel insurance does not cover French overseas territories as they are not in the Schengen Area. The five French overseas territorial communities are Saint-Barthélemy, Saint-Martin, Saint-Pierre and Miquelon, the Wallis and Futuna Islands and French Polynesia.

I don’t need a Schengen Visa to visit France - can I still purchase your insurance to cover my possible health expenses?

Even though Schengen travel insurance is not mandatory for some travelers, such as those covered by visa-free arrangements or citizens of the Schengen Area, that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible.

What are the main advantages of AXA Schengen insurance?

  1. Compliant with European requirements for Schengen Visa. 10 years of existence
  2. Immediate coverage. Your insurance covers you from the first day you need it
  3. No age restriction, zero deductible
  4. No price variation because of nationality or age
  5. Refund if your Schengen Visa application is denied.

Why should you trust us?

  • Medical files processed by AXA Schengen in 2021: 2292
  • Medical calls processed by our agents in 2021: 3845

Which insurance plans to consider?

  Coverage duration Max.
Countries Covered Average price 
Europe Travel Up to 180 days  €100,000
Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
33€ per week
(approx. US$ 35)
Multi Trip  Illimited number of stays of 90 days max.
during 1 year 
€100,000 328€ per year
approx. US$ 349)
Low Cost Up to 180 days  €30,000
Austria, Belgium, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland

22 € per week
(approx. US$ 23)

What should I do if I am injured or ill while in France?

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

  • The number of your policy, which begins with “SCH”.
  • The address and telephone number at which you can be reached and the details of the people that can be contacted locally.
  • The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/invoices and enclose them with your file.

What should I know when preparing for my trip to France?

Security: Although France is generally safe - especially outside its larger cities - you should take sensible precautions against street and car crime. Don’t keep your passport, credit cards, and other valuables in the same place; use inside compartments in bags, and keep your belongings close to you in restaurants and bars. Don’t be distracted around tourist attractions and cash points. Thieves and pickpockets particularly operate on the Paris underground, and you should be careful when visiting the Stade de France, as violent assaults have occurred nearby and gangs are known to operate in the area.

Public transport: Public transport in France is of a superb standard, so it’s easy to get around the country by train, bus, or metro. It has excellent rail and road links with neighboring countries and major cities in France have connections to the high-speed network, making this the most popular and efficient mode of French public transportation. Paris has an extensive Metro network, with Lille, Lyon, Marseille, Rennes, and Toulouse, also boasting their own rapid transit systems. Buses and coaches are also good ways to traverse the country - especially for connections from air or rail to mountainous areas.

Opening hours: The standard shopping day in France, from Monday to Saturday, starts at 9 a.m. and finishes at 7 p.m. Most large stores and shopping malls will remain open all day, but smaller establishments often close between 12 and 2pm for lunch, and this can include shops, banks, and offices. This may be extended during the summer months - particularly in the south due to the heat.

Driving license: Your license should be recognized in France for as long as it is valid - but you should check the expiry date, should it apply.

Restaurants: As shops and services close down for lunchtime, restaurants open up. Most restaurants offer service between 12pm and 2.30pm, and 7.30pm and 9.30pm. In cities, however, you may find restaurants remain open later.

Visa: Although many countries have visa-free travel with France and the Schengen Area, if you think you do need a visa to France you can find out more, click here.