The Comprehensive Guide to Travel Insurance for Paris, France

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Pack your bags, load up on the best croissants, and dive into the intriguing world of art, culture, and couture – you’re heading to the City of Lights, Paris!

While you’re busy crafting your perfect itinerary, remember, taking out travel insurance for your trip to Paris is an essential step you can’t afford to overlook.

In this comprehensive guide, we’ll walk you through everything you need to know about securing the best travel insurance for your Parisian adventure.

Why You Need Travel Insurance for Paris

Despite Paris’ appeal, like any major city worldwide, it’s not immune to mishaps, accidents, or unexpected events.

From flight cancellations and lost baggage to potential health concerns and unforeseen circumstances that could disrupt your trip, travel insurance can be a lifeline in such cases.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Why Americans Need Travel Insurance for Paris

From the charming alleys of Montmartre to the grandeur of the Eiffel Tower, Paris is a city that deserves its place on every traveler’s bucket list.

However, like all journeys, travel to Paris is not without risks, which is where travel insurance comes into play. Here are the key reasons why Americans specifically need travel insurance for their trip to Paris:

Health and Medical Emergencies

Despite our best intentions, health problems can arise unexpectedly, especially when we’re far from home.

As an American in Paris, you won’t be covered under the French healthcare system, and while the system is known for its high quality of care, it can also be expensive for foreign visitors.

A good travel insurance policy will cover the cost of medical emergencies, doctor visits, hospitalization, and even medical evacuation if necessary.

Travel Disruptions and Cancellations

Whether it’s your flight being cancelled due to bad weather, or a strike affecting public transport in Paris, travel disruptions are a common occurrence.

Travel insurance can protect you from the costs associated with these unexpected changes, including accommodation for extra nights, rebooking of flights, and other related expenses.

Loss or Theft of Personal Belongings

Paris, like many major cities, can have issues with pickpocketing and theft, particularly in crowded tourist areas. If your personal belongings such as passport, travel documents, or valuable items like cameras and smartphones are lost or stolen, travel insurance can cover the cost of their replacement.

Trip Cancellation

Life is unpredictable. Sometimes, circumstances beyond your control can force you to cancel your trip. Perhaps it’s an illness, a family emergency, or a work-related issue.

In these instances, without insurance, you could stand to lose everything you’ve invested in the trip. With trip cancellation coverage, you can file a claim to recoup the costs of pre-paid, non-refundable parts of your trip, like flight tickets, accommodation, and tours.

In the unlikely event that you find yourself in a legal bind during your visit to Paris, some travel insurance policies offer coverage for legal fees and services. This can be invaluable during a stressful and challenging time.

COVID-19 Coverage

In the wake of the COVID-19 pandemic, having travel insurance that covers COVID-related incidents has become more important than ever.

This can include coverage for medical treatment if you contract the virus while traveling, as well as trip cancellation coverage if you’re unable to travel due to contracting the virus, or due to changes in travel restrictions.

In a nutshell, while the excitement of a trip to Paris is understandably the main focus, it’s essential to consider the potential pitfalls.

A good travel insurance policy can provide peace of mind, financial protection, and a safety net for unforeseen events, making it a necessary companion for your Parisian adventure.

Understanding Different Types of Travel Insurance Coverage

Navigating through the world of travel insurance can sometimes be a bit tricky.

The key to making an informed decision lies in understanding different coverage types, such as medical emergency coverage, trip cancellation/interruption coverage, baggage and personal belongings coverage, and travel delay coverage.

You can learn more about these in our article, “What does travel insurance cover?”.

Choosing the Best Travel Insurance for Your Trip to Paris

With countless insurance providers and plans available, how do you choose the one best suited for your needs?

Our article, “How to Compare Travel Insurance Plans”, provides a comprehensive guide to help you make the right choice.

France has an excellent healthcare system, but navigating it as an American tourist can be confusing. Always ensure your travel insurance covers medical expenses, and familiarize yourself with how to access and use medical services in Paris.

Final Thoughts

Securing the best travel insurance is as crucial as picking the perfect Parisian bistro for a dinner date. It is an essential safety net that can save you from unforeseen expenses and help ensure your trip to Paris is as smooth, enjoyable, and hassle-free as possible.


1. Is it mandatory for Americans traveling to Paris to have travel insurance?

While it’s not mandatory, it is highly recommended. Medical costs in France can be expensive, and having travel insurance can protect you from unexpected expenses.

2. Does travel insurance cover COVID-related issues?

It depends on the policy. Some insurance providers offer coverage for COVID-related medical expenses or trip cancellations. Always read the policy carefully to understand what is covered.

3. What should I do if I lose my baggage in Paris?

If your baggage is lost or delayed, contact your airline immediately and file a claim. Your travel insurance may provide coverage for essentials you need to buy while you wait for your baggage.

4. What if I need to cancel my trip to Paris last minute?

If you have trip cancellation coverage in your travel insurance policy, you may be reimbursed for pre-paid, non-refundable trip costs if you need to cancel for a covered reason.

5. What is the average cost of travel insurance for a trip to Paris?

The cost of travel insurance varies based on factors like the duration of your trip, the coverage amount, your age, and the specific coverage types included in the policy.

Check out our article on “How much travel insurance do I need?” for more details.