Travel insurance covers your entire trip (medical expenses, repatriation, baggage, etc.), while trip cancellation insurance only covers your costs if the trip has to be cancelled before departure for an unforeseen reason listed in the policy: illness, injury, family emergency. Simply changing your mind is not covered. Both can be purchased separately or together.

It generally offers basic protection with low limits (usually €30,000 to €150,000 for medical expenses) and restrictions: the trip must be paid with the card, maximum 90-day duration. For long stays or remote destinations, a dedicated policy is recommended.

Minimum coverage of €30,000 for medical expenses and repatriation is mandatory, valid in all Schengen countries for your entire stay.

No, insurance must be purchased before departure, generally at least 24 to 48 hours before the departure date.

Most policies include COVID-19 coverage for medical expenses and repatriation, but COVID-19-related cancellation may have specific conditions.

Contact your insurer's assistance line immediately and keep all receipts and supporting documents before filing your claim.