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Travel insurance for France

France is a varied country, with plenty to see.

Whether you want to visit the city of love, sample French cuisine, or explore the beautiful countryside, there's many reasons why France is popular with tourists.

If you're ready to don your beret and explore France, you should think about travel insurance. This can cover you if the worst happens.

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Do I need travel insurance for France?

Legally no. You don't need travel insurance to travel to France.

But healthcare isn't free for tourists in France, so you run the risk of having to pay for any medical treatment you need while away.

While you can use your GHIC or EHIC card, French state healthcare is only partially funded by the government, so you may still need to pay something, even for emergency care.

This is where travel insurance with medical cover comes in. It means you can get the medical attention you need without worrying about the cost.

But travel insurance doesn't just cover your medical bills. There are many more reasons to consider taking out cover.

What will my travel insurance cover me for in France?

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You'll usually be covered for:

Medical bills

If you need medical treatment while you're in France, your insurance policy can cover the cost.

Cancellations

You policy will usually include some form of cancellation cover that will allow you to claim for things like cancelled flights.

Emergency repatriation

If you become too unwell to travel, your policy's repatriation cover could help with the cost of getting you home.

Theft of or damage to your possessions

Your policy should include baggage cover, which allows you to claim if your belongings are stolen or damaged while you're away.

Travel disruption

Travel disruption could be the result of adverse weather or strikes. Your travel insurance can cover the cost of your accommodation or missed flights as a result of disruption.

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It won't normally cover:

Travelling against FCDO advice

The Foreign, Commonwealth and Development Office (FCDO) issue travel warnings against going to certain countries. If you travel against FCDO advice, you won't be able to make a claim if something goes wrong.

Incidents involving drugs and alcohol

Any mishaps involving drugs and alcohol won't be covered by your insurer.

Known events

These are events that were known about at the time of booking your trip. You won't be covered for any events that were already known before you booked.

Extreme sports or activities

Activities that are deemed to be high-risk won't normally be covered under a standard policy. If you want cover for these you'll need to take out adventure travel insurance as an optional extra when you get a quote, or a specialist high-risk travel insurance policy.

Changing your mind

Changing your mind is not covered under your travel insurance policy, and won't count as a valid reason for requesting compensation.

Will my travel insurance cover me for skiing in France?

If you're planning a skiing holiday to the alps, you'll need specific ski insurance to cover you.

This is an add-on that you can tack onto your base-level policy. A standard policy won't cover you for any high-risk activities like this.

To make sure you're ready to hit the slopes, select 'winter sports cover' when getting a quote.

Winter sports cover will typically cover you for things like medical bills for injuries sustained while skiing. But it can also cover you for ski-specific things like:

  • Loss, theft or damage of ski gear, including ski passes
  • Piste closure due to lack of snow or avalanche
  • Personal liability costs if you injure someone
  • Mountain rescue costs if there's an emergency

What other extras can I add on to my policy?

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Adventure travel insurance

Most standard insurance policies won't include cover for high-risk activites. So whether you’re bouldering in Fontainebleau, jet skiing in the French Riviera or cycling through the Pyrenees, you’re likely to need adventure travel insurance. To get it this policy add-on, you’ll need to contact your insurer once you’ve compared quotes.

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Cruise insurance

It might seem obvious, but if you're going on a cruise, you'll need to consider cruise insurance. This covers you for everything a normal policy would, but adds in cover for some scenarios that are unique to cruises. Think things like compensation for cabin confinement, and cover for costs if you need to be flown to a hospital on land.

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Gadget insurance

Most travel policies come with some form of cover for your electricals, but gadget insurance gives you a more comprehenesive level of protection for your tech. You may have a higher claim limit, for example. Or you might be able to claim for scenarios a typical policy might exclude.What's covered can differ between providers, though.

How much is travel insurance for France?

Travel insurance prices for France.

Solo traveller

£2.051

Couple

£4.152

Family

£4.903

You can get travel insurance for France from as little as £2.05.

But as everything from your age to your medical history and the type of cover you choose can all have an impact. on what you pay, your policy might be priced differently.

To see exactly what travel insurance for France might set you back, compare quotes with us today. We'll show you our best prices from some of the UK's most trusted insurers.

1Lowest price for a single trip policy lasting 3 nights for a 30-year-old single traveller with no health conditions. Based on Confused.com data September 2024.
2Lowest price for a single trip policy lasting 3 nights for a 30-year-old couple with no health conditions. Based on Confused.com data September 2024.
3Lowest price for a single trip policy lasting 3 nights for a family of 4 consisting of two adults aged 30, and two children aged 5 with no health conditions. Based on Confused.com data September 2024.

What do I need to drive in France?

To drive in France there a few requirements:

  • You must be 18 or over.
  • You’ll need a full UK driving licence.

You’ll need car insurance too.

If you already have UK car insurance, your policy may cover you for driving in Europe. But it's always worth checking. You should also be aware that it may only give you 3rd party protection while you're driving abroad, even if you have a fully comprehensive policy.

If you want to up this to fully comprehensive European car insurance, you can normally enhance your cover by contacting your insurance provider.

You’ll also need:

A UK sticker

The UK sticker replaced the GB sticker in 2021. If you fail to display a UK sticker on your vehicle, you may be stopped and fined.

A Crit’Air sticker

In France, Crit'Air stickers are used to categorise different vehicles based on the level of emissions they produce. The cost of the sticker is €3.72, including postage in France. It's €4.61 including international postage if you buy in the UK. You can buy them from the French government website. The current fines for not having one are €68 for a private car and €135 for a coach.1

A breakdown safety pack

This should include reflective jackets for all passengers and a warning triangle. You get a fine of up to €135 for each item you don't bring, so make sure you're fully prepared!

Snow chains

Though you'll only need these if you're driving in the snow. France has many beautiful mountain roads, so if you're driving through the Col d'Iseran or Petit St Bernard, make sure you bring snow chains with you.

1Prices correct as of October 2024.

What our travel insurance expert says

"It may be just across the pond, but travel insurance can still be a holiday saver, even if you’re off for a quick weekend break to France. From unexpected medical costs to lost baggage and more, there’s plenty of good reasons to insure yourself before you travel. And we’re here to help you find the cover you need at a price you’ll like."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

Need more help with your trip to France?

What else do I need to know before I travel to France?

Visas

You don’t need a visa if you’re spending less than 90 days in the Schengen area, which includes France. You can spend 90 to 180 days here without a visa, but after this you’ll need one. You’ll also need a visa to work in France. The GOV.UK website provides guidelines for people travelling to France for work.

Other entry requirements

You’ll need a passport with an expiry date at least 3 months after you plan to leave the Schengen area.

A passport with a date of issue less than 10 years before the date you arrive.

If you’re staying with friends or family, your host may need an ‘attestation d’accueil’ which they can acquire from their local mayor’s office.

Learn more about travelling to Europe with our handy guide.

Crime

While crime isn’t particularly high in France, it’s worth noting that thieves and pickpockets do operate in some areas. They're particularly prevalent on the Paris Metro, on RER train lines (particularly RER line B) and at mainline stations. 

Face covering ban

Face coverings are banned in France, and carry a heavy penalty of up to 150 euros. This includes balaclavas, veils or any other garment or mask that hides your face. Forcing someone to hide their face is also a crime and is punishable by a year’s imprisonment and a fine of up to 30,000 euros. If the person forced to hide their face is under 18 years old, the sentence is doubled. This law applies to all tourists.

Will my travel insurance cover me for a business trip to france?

If you're going to be working in France, you should consider getting business travel insurance.

You should check if you have cover with your company, and if not, you'll need to take out this cover yourself. Select business travel insurance when you're getting a quote and we'll help you find our best deal.

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