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Paris cityscape view from above showing the Eiffel Tower and rooftops with Les Invalides dome in the background

Travel Insurance for France, Fully Covered with LUMA

LUMA travel insurance covers medical emergencies, trip cancellations, lost luggage, and ski accidents, whether you're visiting cities, driving through wine regions, or exploring historic towns across France.
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Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English speaking assistance with coverage curated for Italy.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
France calling? We go above and beyond to make sure your trip stays golden.
  • Illuminated statue and column in a Lille city square at dusk
    Covered shopping arcade in Paris with checkerboard floor tiles and glass-paneled roof
    Gothic church bell tower rising above traditional stone houses in Saint-Émilion, France

    01 Bag snatched on the Paris Metro or near the Eiffel Tower?

    Pickpocketing and phone snatching are the most reported incidents in Paris, particularly in public transportations and crowded tourist spots. Losing a phone or bag mid-trip is more than inconvenient when you're days from home. LUMA plans can help with eligible loss or theft of personal belongings, so you're not carrying the full replacement cost yourself.

  • Classical French architecture along a landscaped public square in Bordeaux
    Parisian street with a lamppost and the Eiffel Tower visible between buildings
    Statue of Joan of Arc on horseback in front of Reims Cathedral's Gothic facade

    02 Ski injury in the French Alps?

    The slopes around Chamonix, Courchevel, and Méribel are a major part of winter travel in France, but a fall on the mountain can quickly become more than a sore knee. You may need scans, treatment, or hospital care. LUMA covers eligible medical costs for covered ski injuries under your plan. If clinic care is not enough, LUMA can help arrange transportation to a hospital that can treat you properly.

  • French tricolor flag waving against a blue sky above rooftops in Paris
    Woman walking down a busy pedestrian shopping street in Bordeaux, France
    Aerial view of Paris with the Seine River, Pont de Sully bridge, and Eiffel Tower in the distance

    03 Heat exhaustion during a summer trip to France?

    France now sees intense heat waves during the summer, and many hotels, apartments, restaurants, and transport spaces are not as air-conditioned as visitors expect. A day of sightseeing can leave you dizzy, dehydrated, or unusually weak faster than planned. If rest, water, and shade are not helping, Medipro can advise you on whether it is worth seeing a doctor. Your LUMA policy covers eligible treatment costs if you need medical care.

  • Cobblestone street in Montmartre lined with pastel buildings and the Sacré-Cœur dome in the distance
    Arc de Triomphe monument in Paris with traffic circling below on a cloudy day
    Institut de France dome viewed across the Seine River through tree branches in Paris

    04 France trip cancelled before you fly?

    A France trip is usually paid for well ahead including flights, hotels, and guided tours. If a serious illness, an injury, or a family emergency stops you travelling, getting that money back on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses, for covered reasons like these.

  • Historic square in Bordeaux, France with classical stone buildings and manicured hedges
    Sacré-Cœur Basilica white domes viewed from the stairway in Montmartre, Paris
    Notre-Dame Cathedral and its spire seen from across the Seine River in Paris

    05 Road accident on French roads?

    France has one of the busiest road networks in Europe, and long drives between Paris, the Loire Valley, Provence, and the Riviera put real mileage on unfamiliar roads. A collision or serious accident can mean emergency treatment, scans, medication, or a hospital stay. Emergency care is provided when needed, but medical costs can still add up for visitors. LUMA covers eligible medical costs from a road accident, and if the nearest facility is not equipped for follow-up care, helps arrange transfer to a better hospital.

Covered shopping arcade in Paris with checkerboard floor tiles and glass-paneled roof
Illuminated statue and column in a Lille city square at dusk
Parisian street with a lamppost and the Eiffel Tower visible between buildings
Classical French architecture along a landscaped public square in Bordeaux
Woman walking down a busy pedestrian shopping street in Bordeaux, France
French tricolor flag waving against a blue sky above rooftops in Paris
Arc de Triomphe monument in Paris with traffic circling below on a cloudy day
Cobblestone street in Montmartre lined with pastel buildings and the Sacré-Cœur dome in the distance
Sacré-Cœur Basilica white domes viewed from the stairway in Montmartre, Paris
Historic square in Bordeaux, France with classical stone buildings and manicured hedges
Modern tram passing through a tree-lined street in Bordeaux, France
Cobblestone plaza leading to an ornate stone archway in Place Stanislas, Nancy
Crowd holding a green Earth flag in front of the Panthéon's columned facade in Paris
Narrow medieval street leading to a stone clock tower in a historic French town
Corner café with red awnings beneath a classic Haussmann-style building in Paris
Parisian street at dusk with a wrought-iron lamppost and vintage cars
Sorbonne University dome with the French flag flying against a clear sky
Toy sailboats floating on the pond at Jardin du Luxembourg with the palace behind
Quiet Parisian street corner with a classic clock tower and café storefront
Mont Saint-Michel abbey silhouetted at sunset with the causeway leading toward it

Your France Travel Insurance Questions, Answered

Sacré-Cœur Basilica domes viewed past a vintage carousel in Montmartre, Paris

Yes. France is relatively safe for tourists and residents, and most visits are trouble-free with basic caution. Petty theft can happen in busy tourist areas, especially around crowded parts of Paris, major train stations, public transport, and landmark sites. The risk is lower when you keep valuables secure, stay alert in crowds, and avoid leaving bags unattended. Visitors may also face practical issues like language barriers, transport disruption, or medical costs if care is needed. LUMA helps with the parts that can turn expensive, including eligible medical treatment, hospital care, baggage issues, and covered travel delays under your plan.

Yes, especially in busy parts of Paris. The Metro, the Eiffel Tower area, Montmartre, the Louvre, and major train stations are common places for phone snatching, bag theft, and distraction scams. Keep your phone and wallet close, avoid hanging bags on café chairs, and be careful if someone approaches you near a landmark with a petition, bracelet, or “free” gift. Travel insurance may help with some baggage or personal belongings claims if your plan includes that cover, but petty theft is still one of those risks where prevention does most of the work.

LUMA Travel is part of LUMA International, based in Bordeaux, with a French leadership team.That local understanding matters when a traveler needs medical help. France has a good healthcare system, but it can be difficult for visitors to know where to go, how long care may take, or how hospital processes work. LUMA’s in-house medical team, Medipro, is led by Dr. Gérard Lalande, a French physician, and brings years of experience working with hospitals and doctors in France. Your France travel insurance is supported by a team that understands French healthcare and the realities travelers may face if something goes wrong in France.

Yes. If you fall sick or get injured during your France trip, LUMA covers eligible medical and treatment costs under your plan. This can include hospital visits, medication, tests, scans, or further treatment. France has good healthcare, but getting seen can take time. Private healthcare is not widely available and tourists may need to go through public hospitals or emergency departments, where waiting times can be long. Medipro can advise you on whether your symptoms are serious enough to see a doctor, while LUMA helps with the incurred costs for treatment.

Yes. All LUMA plans cover accidents while recreational skiing, as long as you are skiing on marked pistes, not competing, and not skiing in a professional capacity. That means a France ski trip can be covered for normal leisure skiing on designated tracks. Ski racing, professional training, off-piste skiing, and higher-risk winter sports are treated differently and are typically not covered.

Yes, and it's non-negotiable. As of 2026, travellers applying for a French Schengen visa must submit proof of travel insurance as part of the application, as confirmed by the official France-Visas portal. The policy must cover a minimum of €30,000 for medical emergencies and repatriation, be valid across all 29 Schengen countries, and cover the full duration of your stay. LUMA travel insurance meets the requirements for Schengen visa insurance, and the certificate of insurance issued after purchase can be used for your visa application. Schengen visa insurance must include at least €30,000 in medical emergency and repatriation cover. LUMA plans offer USD 50,000 onwards in medical coverage, so all plans meet the minimum coverage requirement for a Schengen visa.

Yes. France has a strong culture of demonstrations, and strikes can lead to temporary, highly localized service disruptions for local transit or SNCF train lines. Severe weather, particularly flooding in southern regions and Atlantic windstorms, can also affect travel plans. Most strike disruption is a planning issue rather than a claimable event. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with expenses like meals or an overnight stay.

Go places, we’ve got you covered.

  • Panoramic view of Parisian rooftops and the Eiffel Tower under an overcast sky
  • Aerial view of Paris rooftops and tree-lined avenue with the Eiffel Tower on the horizon
  • Seine River cruise boat passing under a bridge in Paris at dusk

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