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Expatriate health insurance - AVA Expat

Contract
AVA Expat

Travel insurance for expatriates

This solution represents ideal travel insurance for French and European citizens considering expatriation. With its tailored guarantees, options, and unique benefits such as the accompanying rate and deferred payment, this insurance meets the needs of all profiles.

This contract is an annual plan, with automatic renewal and cancellable annually, which allows you to be protected against unforeseen events, wherever you are in the world.

Warranty duration

Up to 365 days

Residence

Usual country of residence the day of subscription

  • Germany, Austria, Belgium, Bulgaria, Chyprus, Croatia, Denmark, Spain, Estonia, Finland, Metropolitan France (included DROM and CTOM), Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxemburg, Malta, Netherlands, Poland, Portugal, Czech Republic, Romania, Slovakia, Slovenia, Sweden.
By extension
  • Iceland, Liechtenstein, Norway, Territories of Andorra and Monaco, Switzerland.

European Union countries

Destination

Are excluded

  • Trip to or from Russia, Cuba, Iran, Syria, North Korea, Crimea region, Donetsk republic, Lougansk republic
  • Resident from above countries.
  • Sanctioned Individuals or companies.

Worldwide exept excluded countries

Nature of stay

Expatriation

Age limit

Customized pricing up to age 60

Up to 55 years old

From
1790€ / an

Annual formula with automatic renewal

  • Medical expenses covered up to €500,000 worldwide
  • Direct coverage in the event of hospitalization
  • Non-urgent comfort care, optional
From
1790€
/ an

Fill out the form to receive a personalized quote in your space

Personalized quote
Besoin d'aide
Need help ?
Horaires : Mon-frid | 9am-5pm
+ 33 1 53 20 44 20
info@ava.fr

Guarantees

MEDICAL EXPENSES ABROAD

Coverage on 1st euro or reimbursement up to 100% of actual costs up to 500.000 €

  • Direct payment of 100% in case of hospitalization. In the event of hospitalization, obligatory call to the assistance platform
  • Reimbursement for the other expenses of health (doctor, pharmacy) with 10% deductible
  • Reimbursement for emergency dental treatment : actual expenses up to €300, deductible 10%

Coverage on 1st euro or reimbursement up to 100% of actual costs up to 500.000 €

  • Direct payment of 100% in case of hospitalization. In the event of hospitalization, obligatory call to the assistance platform
  • Reimbursement for the other expenses of health (doctor, pharmacy) with 10% deductible
  • Reimbursement for emergency dental treatment : actual expenses up to €300, deductible 10%

Options

REPATRIATION - ASSISTANCE

  • Repatriation by the assistance centers
  • Return accompanied by children
  • Repatriation of the body in case of death
  • Expenses of a lawyer up to 3,000 €
  • Advance of the criminal guarantee up to 7,500 €

MEDICAL EXPENSES EXTENSION

  • Dental treatment at 90 % of real expenses maximum 2.280 € per year and per insured and 380 € per tooth. Waiting period : 90 days and 180 days for prosthetics.
  • Optical treatment at 90 % of real expenses maximum 800 € every 2 years per insured. Waiting period : 90 days
  • Preventive care and dermatological treatment at 90 % of real expenses maximum 500 € per year and per insured and 60 € per visit
  • Alternative medicine at 90 % of real expenses maximum 300 € per year and per insured and 60 € per spéciality

REPATRIATION - ASSISTANCE

  • coverage of a return ticket and accommodation costs for a relative in the event of hospitalization of the Insured
  • Provision of a return ticket in the event of the death of a close relative
  • Advance of funds in the event of loss or theft of means of payment, identity papers or plane tickets
  • Search and rescue costs including for skiing

INDIVIDUAL ACCIDENT

Payment of a capital from 80.000 € to 320.000 € in case of :

  • accidental death
  • total invalidity after accident
  • Doubled capital if accident of plane

    • DAILY ALLOWANCE

    Daily allowance, after 7 days waiting period in case of hospitalization

    CIVIL LIABILITY ABROAD AND LUGGAGE

    • Financial consequences of the insured’s civil liability in case of :
      • Bodily injury up to 4.500.000 €
      • Material damage up to 450.000 €

      Deductible 80 €
    • Loss, theft or damage to luggage when transported by a transport company
      Valuable objects : refund cap limited up to 50% of the amount of guarantee
      Maximum per event : 2.000 € deductible 15 €

    Prices

    Annual contribution per person depending on the destination

    SubscriptionOther destinationsUSA / Canada
    Per person
    Up to 55 years    		1790 €3690 €
    Companion: My childOther destinationsUSA / Canada
    Per person
    Up to 20 years    		790 €1690 €
    Companion: My jointOther destinationsUSA / Canada
    Per person
    Up to 55 years    		1590 €3390 €

    Civil Liability and Baggage

    PriceBefore 20 years oldBefore 55 years old
    per person80 €150 €

    Individual Accident (Death-Disability) 24/7

    Warranty amount80000 €160000 €240000 €320000 €
    per person245 €490 €735 €980 €

    Daily Accident Allowance

    Warranty amount50 €100 €
    per person180 €360 €

    Medical Expenses Extension

    PriceAll destinationsUSA / Canada
    Before 20 years old900 €2100 €
    Before 55 years old1900 €3600 €

    Assistance

    PriceBefore 20 years oldBefore 55 years old
    per person55 €145 €
    Personalized quote
    Besoin d'aide
    Need help ?
    Horaires : Mon-frid | 9am-5pm
    + 33 1 53 20 44 20
    info@ava.fr
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    Learn more

    Flexible Travel Insurance for Expatriates

    Embarking on an adventure abroad, whether for professional, academic, or personal reasons, requires thorough preparation. Among the essential elements, travel insurance plays a central role.

    AVA EXPAT positions itself as an indispensable partner for French and European citizens seeking a comprehensive expatriate insurance solution tailored to their needs.

    A flexible insurance plan for customized coverage



    AVA EXPAT is a travel insurance contract specifically designed to support expatriates in their projects abroad. The strength of this insurance lies in its great flexibility, allowing each traveler to create personalized coverage based on their profile and needs.

    The basic coverage includes essential protections such as:

    • Coverage of medical and hospitalization expenses abroad

    • Repatriation assistance, crucial in case of unexpected situations

    In addition to these fundamental guarantees, a range of optional modules can be added to address various situations:

    • Dental, optical, preventive, and alternative medicine care

    • Liability insurance to protect against damages caused to third parties

    • Baggage insurance against loss, theft, or damage

    • And many other specific guarantees tailored to expatriates’ particular needs

    This personalized approach makes AVA EXPAT a perfectly suited solution for all types of travelers, from students on international mobility programs to retirees moving to sunny countries, as well as relocated professionals.

    Unique benefits to simplify expatriation



    Beyond the modularity of its coverage, AVA EXPAT stands out with two major advantages that make it practical and accessible:

    • Attractive companion rates: Traveling with family can quickly become expensive. AVA EXPAT offers special rates for companions, providing full coverage at a reduced cost for the whole family. This is an ideal solution to ensure your loved ones’ safety without compromising your budget.

    • Deferred payment option: Moving abroad often involves significant upfront expenses. With the deferred payment option, AVA EXPAT offers valuable financial flexibility, allowing you to focus on your departure without immediate financial pressure.

    Why choose AVA EXPAT for your travel insurance?



    In an international context, unforeseen events can quickly become complex and costly. AVA EXPAT stands out for:

    • Recognized expertise: With years of experience in travel insurance, AVA offers solutions perfectly tailored to expatriates’ needs.

    • 24/7 assistance: Regardless of your place of residence or time zone, you can rely on a support service available at any time to help you when needed.

    • Excellent value for money: By providing solid basic coverage combined with modular options, AVA EXPAT ensures comprehensive protection without compromising your budget.

    • Responsive support: AVA teams are available to advise you and adjust your contract according to the evolution of your personal and professional situation.

    Additionally, AVA EXPAT goes beyond health coverage. The contract also includes a global safety dimension, essential in a world where risks can arise at any moment.

    See more

    AVA Expat

    Annual formula with automatic renewal

    • Medical expenses covered up to €500,000 worldwide
    • Direct coverage in the event of hospitalization
    • Non-urgent comfort care, optional

    To receive a customized quote, please complete the following form.

    If you are a traveler already registered in our information system, click the link below. Your data will automatically populate the form.

    Already a customer?
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    Confirmation

    Your need for coverage

    You will create a project as the main traveler, with possible companions.

    If USA/CAN selected, considered as “USA/CAN area (includes other countries)”.
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    At AVA, we create tailor-made solutions to meet the specific requirements of each trip. Whether for an international seminar, a conference, an extraordinary trip, or a special event, we design coverage tailored to each situation.

    Thanks to our privileged agreements with our insurance partners, we develop 100% personalized protection for you, tailored to the needs of the traveler or organizer. Repatriation assistance, medical expenses, trip cancellation, baggage loss, civil liability, and more. Since 1981, we have mastered these essential guarantees to offer you reliable and comprehensive coverage. 💡

    A specific request? Describe your needs by email and we promise to respond quickly!

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