What are the common misconceptions about travel insurance?

Is travel insurance essential? This is a question to which you would like to answer clearly and without doing anything stupid, before going on holiday abroad. To allow you to make an informed decision, here are a Top 10 of the main ideas received on travel insurance and the answers to your various questions.


1. No need for travel insurance, I already have the one with my bank card
Not quite true.
For this insurance to be effective, your trip must first be paid for with your credit card. This trip may not exceed 90 days. In this case, it must also be taken into account that cancellation, baggage, and liability guarantees are very often absent from conventional card contracts.
Concerning medical expenses, it should be noted that care, as well as hospitalizations, have a reimbursement limit of 11,000 euros for a classic card (100,000 to 150,000 euros for a premium card). This amount quickly proved insufficient given the prices of hospital days in some countries. This is the case in the United States, Japan, and Australia, for example. Appendicitis in the United States can cost up to 20,000 euros.
If you want to know more, check out our article on the points to check before going on a trip with your credit card insurance.

2. Why take out a travel insurance policy, Social Security will reimburse me in case of a glitch

Not quite true.

In the case of a trip to Europe, if you have the European Health Insurance Card (EHIC), the medical costs will be covered by the Social Security, according to its rates and scales, regardless of the amount of care charged. It, therefore, seems appropriate to take out a travel insurance contract that will complement this first refund.

When your trip takes place outside Europe, no more questions to ask, Social Security is not required to make a refund. In such cases, travel insurance is a necessity!


3. Travel insurance, an unnecessary expense, my trip already costing me quite a lot
Of course, it is understandable that travel insurance can sometimes seem like an unnecessary expense. And yet, as soon as you think about it, it is clear that the slightest accident or uncovered illness could very quickly raise the bill for your next vacation. Some items of expenditure are compressible and it is probably better to start by reducing these items if you want to make real savings.
No, unfortunately, it doesn’t work that way! On the part of any insurance company, you will never be insured for illness before the contract. Similarly, if you are granted a contract subscription while you are already traveling abroad, a waiting period will be applied.
If you’re still not convinced, take a look at our infographic: What’s travel insurance for?
5. The more expensive the insurance, the more it will cover me
Not quite true.
This is not always the case. The right insurance policy is the one that fits with your needs and that doesn’t necessarily mean prohibitive price. It’s up to you to define your needs and compare them with travel insurance offers, to determine which one is best for you. Often it’s not the most expensive!

6. As much as taking out cheap insurance, the guarantees are always the same.

Not quite true

Indeed, the main guarantees of a travel insurance contract are almost always the same. What will make the difference are the caps on guarantees, deductibles, and exclusions from the contract? Also, in the assistance section, many guarantees can be offered to you, different depending on the contract, and again with more or less high support amounts depending on the case. Again, it’s up to you to dissect the warranties to find the ones that best suit you at the best price.


7. I don’t do any risky sports, I don’t need travel insurance



It’s not just skiing that you can break an arm or a leg. An accident can occur when you least expect it. Slide down the stairs, cause food poisoning… accidents or illnesses occur much more often in everyday life than during risky activities. And when that happens abroad, everything immediately becomes much more complicated. That’s when you’re really happy to be able to reach your assistant by phone, who’s going to take care of all the problems.


8. No need to take out a cancellation contract, the travel agency will refund me if I don’t leave

Not quite true.!

It’s a little more complicated than that. In case of cancellation, the travel agency must reimburse you the sums paid for the organization of the trip according to a pre-established schedule. The closer the cancellation date is to your departure date, the less you will be reimbursed. The travel cancellation insurance policy will reimburse you, for a cause under the contract, all your travel expenses regardless of the date you cancel.
9. I am going to a country where the cost of living is low, in case of concern I will be able to take care of the expenses at my expense

10. Insurers are thieves, they never payout anyway.


If you don’t want to have any surprises, it’s best to read all the guarantees of the contract and especially the exclusions, deductibles and guarantee caps. At ACS, there are no small lines in the contracts and all exclusions are printed in bold. You can’t miss them!
That’s it, travel insurance should no longer be a secret for you. If, however, you have some doubts, please let your insurer know. It is there above all to inform you and advise you. Good trip!



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