Travel insurance

Mondassur is now offering its newest insurance plan: Europe Access.

This new insurance plan is intended for anyone, regardless of their country of origin and under 75 years old, who wishes to stay in France or Europe* for up to a year. It is essential for non-EU citizens to possess a long-stay visa when staying in France for a year. As with any other visa, the embassy will ask for several documents, including proof of international health insurance.

The expat insurance Europe Access is an all-encompassing insurance that conforms to the legal criteria set forth by the European Consulates in order to obtain a European long-stay visa. Those under the age of 75 are able to enroll in this insurance for a period of 4 months up to a year. Europe Access travel insurance offers various benefits including reimbursement for medical expenses with hospitalization, supplementing social security coverage up to 100%. By enrolling in this insurance plan, you will also benefit from repatriation assistance, civil liability, and 24/7 access to our medical assistance hotline. Upon enrollment, you will receive your membership certificate which is necessary for obtaining the visa.

For only 35€ per month**: Europe Access provides insurance coverage throughout Europe and helps simplify the long-stay visa process. Enroll now for an insurance that will cover you against any unexpected events during your stay in Europe!

Find out more information about the Europe Access Insurance plan.

* Europe: refers to the Schengen zone and Norway, Iceland, Switzerland, Bulgaria, Cyprus, Romania, the United Kingdom and Ireland.

** Those under 60 years old, insured for a period of four months

Going on holiday abroad must stay a pleasure and not turn into a nightmare!

Before leaving on vacation this summer, many people question us about their current medical coverage abroad and we wanted to make the point in this article.

Indeed abroad, most often, your national health insurance will not cover you. And it can cost you dearly!

In addition, many countries do not have the same access to healthcare. The costs of treatment can quickly reach very high levels.

A simple flu in Japan for example, can cost you several hundred dollars. In the United States, a fracture of the femur may amount to around $ 80 000! And this does not add the cost of repatriation and cancellation of the stay for the unlucky ones.

Do not take that risk. Regardless of the duration of your stay abroad, you want to enjoy your holidays with peace of mind!

Credit card insurances (Visa, Mastercard, American Express) are more like assistance contracts that assists you if anything should happen, for a short term without giving you a very important health insurance coverage and on no account when you stay more than 3 months or 90 consecutive days abroad.

Without going into too much detail, here are some practical examples and limits of insurances provided by your credit card.

For more details on travel health insurance of your bank card or credit card. (Document in pdf format Acrobat Reader)

• Concerning the Insured person: It is usually the cardholder, his/her spouse or partner, dependent children under 25 years old and ascendants and descendants.
• Concerning the place for the application of benefits: The insurance benefit applies to more than 100 km from home or usual place of work.
• Concerning the application duration of the benefits: The assistance benefits apply the first 90 days of stay. CAUTION: If your stay exceeds 3 months, your "standard" credit card will not cover you.
• Concerning the amount of covered medical expenses: The limits offered by credit cards are trivial compared to the medical expenses that may be undertaken in some foreign countries like the United States, it is also the case for deductibles. For example, with a deductible of €50, if doctor consultation will cost 60 €, you will be reimbursed between 0 and 10 € with your credit card.
• Concerning evacuation and repatriation insurance: IMPORTANT: with complementary health insurance, there is no ceiling that low which result in covering you very badly in case of major health problems, for  which it is essential to be well covered.
• Concerning the travel cancellation insurance: The travel cancellation insurance is generally not offered with 'standard' cards.
• Concerning delayed flights or luggage:  'Standard' cards do not usually offer compensation.
• Concerning luggage theft and damage: The “standard” cards do not compensate in case of problems with your luggage.
• Concerning civil liability: You are not covered with standard cards for civil liability. Remember that if there is an accident, 1.5 million € in some countries like the United States are quickly spent between medical expenses, legal fees etc ....
• Concerning the death and disability benefit: The application of this benefit is generally subject to the use of your card to purchase your ticket.

For more details on travel health insurance of your bank card or credit card.

Foreign travellers and Cubans residing abroad must necessarily present a certificate of insurance covering medical expenses to go to Cuba, according to a directive issued on March 6 in the official journal.

The new regulations will come into force on May 1, 2010 and state that "all passengers, foreigners and Cubans residing abroad" entering the country must present a document certifying that they have taken out a travel insurance covering medical expenses, issued by a broker or an organization recognized by the Cuban authorities.

Foreigners staying temporarily on the island will have to be covered by medical insurance policy. Are exempted from the application of this regulation diplomatic personnel as well as "representatives of international organizations accredited in Cuba. “