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Mondassur,
travel insurance & expatriate insurance expert

+33 (0)1 80 87 57 80
 

depart VIE

 

You just finish your studies and you want to travel while gaining professional experience? It's possible! You should consider the V.I.E, an ideal project to combine both.

The V.I.E, what is it?

Volunteering for International Experience is the opportunity for young people from 18 to 28 years old, to go abroad for a professional mission.
French companies which are established abroad offer to these young people the opportunity to go to work for them for a period of 6 to 24 months. Positions, missions and sectors can be very different depending on the business needs.
Countries like Europe, Asia and North America are the most popular destinations, but everybody cannot do a VIE and the competition is quite hard!

Who can do a V.I.E?

To be a volunteer you must meet the following conditions:
- Being a citizen of an European Economic Area country
- Being from 18 to 28 years old (possibility to leave until the eve of your 29 years old)
- Being a student or graduate looking for a job,
- Having no criminal record,
- Not having done a VIE before

The benefits of a VIE

The first advantage for the young volunteer is the possibility to go abroad! Indeed, having an experience abroad is very rewarding, it permits to discover a new culture, to improve a foreign language and to increase its network by making new contacts. This is a really good way to gain in open-mindedness and adaptability!

Besides the trip, the idea for the volunteer is also to gain a professional experience, doing a VIE is a real opportunity to find a first job. A V.I.E is also a good way to attract recruiters when returning to your home country and it can also be a springboard to an international career.

Do not wait! V.I.E’s offers are available on the website www.civiweb.com
Feel free also to contact our Mondassur specialists for more information about the insurance when being a Volunteer for International Experience.

CB Mastercard

Insurance included with your credit card (Visa, Mastercard, American Express) are more like support contracts that support you in case of incidents, for a short time without offering you a very important health coverage and in any case if you stay more than 3 consecutive months in the United States.

If you want to be well covered, we advise you to use in addition to a specific insurance. Without going into too much detail, we will give you an outline of the services offered.

The main services via your credit card

Warning: This analysis is not exhaustive and has no legal value. Furthermore, certain safeguards have been updated by the banking institutions but not yet integrated in our presentation. We advise you to always check with your bank to find out in detail their proposed safeguards.

The outline of coverage for:

Insured persons

This is usually the cardholder, spouse or partner, children aged tax dependents under 25 years and up and down. You should know that for Visa, dependent spouse and children are covered even if they do not accompany the cardholder. While for Mastercard "standard" including the family of the owner must accompany him to qualify for the benefit.

Territorial Scope of Coverage

For Visa "standards" and "first", you will be covered worldwide without mileage deductible for your professional or private stays in your country of residence (if you are French resident: Metropolitan France including Corsica, Monaco, Andorra, DOM TOM and COM) or outside your country of residence for the assistance guaranteed. Regarding the warranty insurance, it applies to more than 100 Km of domicile or usual place of work. For Mastercard and American Express, assistance does not require mileage deductible, except for the "Gold" Amex with which you will be covered until 50 Km to you for the assistance of your vehicle, the medical assistance and repatriation expenses, and 100 km from your home worldwide for vehicle rental guarantee.

Length of Coverage

Credit Card Cover takes effect on the date of purchase (under certain conditions) to the cards throughout the duration of them until termination or automatic renewal by the holder in the country of residence. When traveling abroad, assistance guarantees apply the first 90 days of stay. This condition can vary from one card to another depending on the type of collateral (assistance or insurance) if the stay should last longer for specific reasons (death, disability due to accident during the stay) for the 'Visa first, "the insurance guarantees apply the first 180 days of stay. Warning: If your stay exceeds 3 months your credit card "standard" will not cover you.

Application conditions

As mentioned earlier, the guarantees offered by credit cards apply in general from the possession thereof but subject to certain conditions. There are two types of guarantees, assistance and insurance. The first applies from the subscription of the credit card, in case of illness or injury, death, lawsuits abroad and help the onward journey. The second applies where you set your travel services and other purchases related to it with your credit card in case of travel incidents (delays planes, trains, luggage) and accidents travel (death, disability). This can vary from one card to another.

Amount of medical expenses borne

The ceilings offered by credit cards are insignificant compared to medical expenses that may be incurred in certain foreign countries like the US, which is why it is strongly advised to take out additional insurance. Your medical expenses will be reimbursed up to a ceiling of 11,000 € for Visa and MasterCard plus a deductible of € 50 for one and € 75 for the other. Visa First has a higher ceiling (€ 155,000) with a deductible of 50 €. The Amex has a reimbursement ceiling of € 9,200. For example with a deductible of € 50, if consultation with a doctor costs you € 60, you will be reimbursed between 0 and 10 € with your credit card.

Assistance benefits

Generally, the guarantees offered by different credit cards cover virtually the same benefits:
• The management of travel expenses and hotel for a relative in case of hospitalization of the insured more than 10 days ( "Visa Premier" € 125 / day for 10 days to 375 € beyond "Platinum Mastercard» 250 € / day for 10 days up to 750 € beyond). To know: with complementary health insurance, there are no limits.
• Repatriation and accompaniment to the home or place of hospitalization of children under 15 years.
• The early return in case of hospitalization over 24 hours or death of a loved one (support tickets To /).
• Sending drugs.
• The body of repatriation in case of death during the stay.
• Legal assistance abroad.

Travel cancellation insurance

The travel cancellation insurance is generally not available with "standard" cards. Visa Premier offers this guarantee capped at € 5,000 with a repayment of € 200 per insured person if cancellation is made 30 days before departure. Cancellation fees are supported by the cards Amex Gold and Platinum in the amount of 4,500 € to 10,000 € per insured per year. The "Platinum MasterCard" reimburses up to a € 10,000 ceiling.

Flight delay guarantees or luggage

The cards 'standards' do not generally offer compensation to cover the costs of basic necessities when your plane or your luggage is delayed. Visa First offers 250 € from 4 hours of delay per trip. The Amex compensate you 150 € ( "Personal Card") and 800 € (Platinum) for baggage delay, and between 100 € and 200 € for late planes. The delay insurance for Mastercards cover the cost of 250 € (Gold) and 500 € (Platinum).

Theft or damage to luggage

Standard cards do not compensate you. The Visa Premier card covers you up to 800 € per bag with a deductible of € 70. The map "Platinum" Amex, guaranteed personal belongings in case of theft, loss or damage up to € 2,000 per trip. To map "Platinum" MasterCard, the ceiling is € 3,200 per year.

Liability

You are not covered with standard cards. Visa Premier and Platinum Mastercard cover you up to € 1,525,000 per event for all damage and injury caused to third parties. The Amex Platinum card covers you up to € 2,000,000 for damage and injury caused to others while traveling.
Remember that if there is an accident, € 1.5m in countries like the United States depart quickly between medical expenses, legal fees etc ....

The death or disability

The application of this guarantee is generally subject to the use of your card to purchase your ticket. The accident that caused the death or disability must have occurred during the journey that must be traveled a "guaranteed" by the insurer (check out the conditions for applying for each card). It can be a trip by public transportation or rental vehicles. The Mastercard to pay € 95,000 (public transport) and € 46,000 (rental vehicle). Visa Premier and Gold MasterCard pay for death or disability up to € 310,000 per family per event .. The Amex Gold and Platinum Mastercard cover respectively to € 300,000 and € 620,000 per family per event.

Specific safeguards

To benefit from these guarantees, you must subscribe generally to complementary insurance.

 

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While buying travel tickets, each of us has already asked himself : Should I buy or not a cancellation travel insurance?

What you need to know about the flight cancellation insurance

When you book a trip abroad, unfortunately you're never safe from a major unforeseen problem that would thwart your plans and require you to change or cancel your trip. So we recommend that you always take out travel insurance (or modification) before leaving abroad. A process of reflection will commit to buying a low-cost flight, just adopt a budget plan and see what will be most beneficial to you.

The insurance offered when buying

When you buy an airline ticket on the internet or agency, the company offers you to take out cancellation insurance for only a few euros more. Tempting you tell me!
Be careful, repayment conditions are very strict, please read the terms and conditions of the insurance in order to avoid bad surprises.

Cancellation insurance of bank cards

First, to benefit from the travel insurance cancellation of your credit card, you must be in possession of a Visa Premium or Gold MasterCard. Basic credit cards contain no cancellation insurance.

You will be covered for:
- A health problem that prevents you from traveling
- A death of a family member
- A serious damage to your home
- A redundancy

The reimbursement ceiling is often set at € 5,000 per year per card. 

Take a trip cancellation insurance with an insurer

Many travel insurance plans offer cancellation insurance.
The reimbursement ceiling is generally higher and the reasons for trip cancellation are wider.
In general, the insurer doesn’t pay airport taxes included in your ticket. Indeed, if you do not go, it is the airline which must reimburse you.

Mondassur offers in its guarantees:

1. Reasons for refund


- illness, accident or death of the insured or a family member (including relapse or worsening of a previous state recorded prior booking)
- severe damage to the home of the insured business premises or vehicle
- Convocation for an organ transplant
- Convening a university resit
- Redundancy, getting a job, job transfer
- Accident or transport failure
- tourist visa refusal
- Modification of leave by the employer (25% deductible)
- Theft of identity papers (25% deductible)
- contraindication or after vaccination
- Birth of a child or grandchild
- Convening court

After reading this list, you may probably say "oh yes, it is true that these cancellation reasons can happen." You are right.

2. The reimbursement of trip cancellation

If you took your trip with an agency, you will not be fully repaid. In fact, the cancellation fees apply.
The fees varies according to:
- The agency
- The number of days before departure.

If the date is near, you will be refunded less.
This is where your cancellation insurance comes into effect. It aims to refund the amount not taken over by the agency.

If you should definitely purchase a travel insurance, a cancellation insurance is not always advisable, there are three cases in which the cancellation insurance is a must:
- You bought a stay or a cheap flight, especially for a family trip. Here there is a large sum. And as it comes to several people, you multiplied the risks. If you do not have high-end credit card, it may be worth.

- You agree on a flight or a trip rate with a basic bank card.

- There is a chance that you can’t make this trip (illness or pregnancy of a relative, bad situation in your business ...)

Wedged between two seas , the Red one and the other Dead , Jordan is a small country three quarters invaded by the desert and long undemanding nomads, a hinge between the Mediterranean and the East, which succeeded to many civilizations.

1. Petra :

Walking to enjoy the scenery and the abandoned city where the tombs and temples are carved into the rock.

Jordanie Pétra de nuit

2. Wadi Rum’s desert


Cross the desert to discover a magnificent panorama, with contrasts, reliefs, made of canyons, caves and rock arches.

Jordanie Desert wadi rum

 

3. The Dead Sea :


For its incredible sunset. And of course for the experience of swimming in a so much salt water that the body floats effortlessly.

The Dead Sea also has therapeutic virtues on skin problems.

Jordanie La mer morte

4. Citadel of Amman


Located in the heart of the capital, on top of a hill, it offers a 360 ° view of the houses clustered downtown . The view can distinguish columns of the Temple of Hercules , and Omayyad Palace .

Jordanie citadelle dAmman

5. The Roman ruins of Jerash


This greco-roman archeologic site is well preserved and similar to Pompéi. It’s with Petra and Wadi Rum’s desert one of the major attraction of Jordan.

Jordanie Ruines romaines Jerash

6. Karak Castle


Located at the southern tip, Karak Castle is a dark labyrinth of vaulted stone rooms and endless underground tunnels. First bricked by the Crusaders, you can make out the further use of lighter limestone blocks and cared Arabs.

Jordanie Chateau de Karak

ADVICES

When to go? In the spring and early fall, the heat is bearable. Winter can be cold and rainy.

20 hours of flight to an extremely friendly population, a country financially affordable and not too much touristic yet, beautiful landscapes, unique traditions in the world, heavenly beaches, tropical climate throughout the year.. So, it worth it ! Here’s where to go to make the most of your stay.

1 – Intramuros in Manila

Manila

This city doesn’t have great tourist interest, except his oldest district : Intramuros. We can contemplate the beautiful San Augustin Church built in 1571, who survived natural disasters and lot of bombings during the World War II.
48km of Manila, the former US base, called Corregidor, is a nice visit. You can see historic fortifications, canons and barracks.

2 – Boracay

Boracay

This is one of the most touristic destinations in the Philippines. The reason is simple : there are the most beautiful beaches in Asia, as the Beach Ariel Point for example. If you like beaches parties, you’re in the right place, in fact it’s like the St Tropez of the Philippines.

3 – The Mount Mayon

Le mont Mayon

Located on the Luzon’s Island, it’s the most active volcano in the country. Many disasters have happened, but it’s still a great place to visit.

4 – El Nido

El Nido

White sand beaches, clear blue lagoons, it’s the tropical paradise of the Philippines.

5 - Banaue Rice Terraces

Les rizières en terrasse de Banaue

In other words, the Eighth wonder of the World. A trek in this rice, old of 2000 to 6000 years, built on the mountain, which offer a wonderful landscape.

6 – Vigan

Vigan

Registered in the world patrimony of the UNESCO, it is a perfect example of Spanish colonial town in Asia. Known for its cobblestone streets and its unique architectural style between Spain and Asia.

7 –The incredible dives (whale shark, turtles ...)

Les incroyables plongées

Oslob et Donsol

They are the two place where you can see et swim next to big whale sharks that are attracted by food. The best time to see them is between February and April.

Apo Reef

It is the Philippines's largest coral reef. Dive in this marine reserve, allow to note a wonderful marine wildlife and also beautiful corals.

Puerto Galera

Famous for its several place of dive, that are easily accessible. There's something for everyone, if you doesn’t make dive, the surrounding area is nice to explore, and there is beautiful cascades.

Tubbataha Reef

Located in the middle of the sea of Sulu, this protected marine park is quite difficult to join. It’s a member of the top ten of the best places in the world for dive, thanks to its high degree of biodiversity.

8 – The islands of Bohol

Lîle de Bohol

Bohol offer many attractions, especially the Chocolate Hills, which are hills 30 to 50m high, in cone shape. You can also see some Tarsiers (a little primate with big eyes). This is a tourist place, you can find many bar and restaurant along the beach. You can drink a fruit juice while the sun sets on the marsh, made snorkeling...

9 – Batanes

Batanes

An archipelago consisting of ten islands, located at the north of the country, whitch offer beautiful landscape very green, it is the place that the most different of the rest of Philippines.

Contact Details

Contact Us



+33 (0)1 80 87 57 80
+33 (0)1 80 87 57 87


Mondassur
148, rue du Château
92100 Boulogne - FRANCE


Our opening hours are from 9:00 to 18:00 Central Europe Time from Monday to Friday to contact our consultants. Our medical platforms are reachable 24/24 and 365 days a year..

Do you have questions on your insurance plan, you would like to purchase a travel insurance or receive a quote for an expat insurance ? Please send us an email ; we will answer you within 24h00 business days.

WE ARE PLEASED TO HELP YOU