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Yearly all-risk travel insurance - AVAntages 360

Contract

AVAntages 360

Annual multi-risk insurance for comprehensive coverage of frequent travelers

This truly comprehensive travel insurance covers all your stays of less than 90 consecutive days and includes special COVID guarantees for greater peace of mind (medical expenses, quarantine, etc.).

This package, which is automatically renewed, pays for itself from the second trip and eliminates the need to take out insurance for each trip.

When you are not traveling, your sports or leisure activities are also guaranteed in the event of cancellation or interruption.

Warranty duration

Up to 366 days

Residence

Countries of the European Union

Destination

Worldwide

Nature of stay

Tourism or Business up to 90 consecutive days

Age limit

Up to 80 years old

From

165^€

Unlimited number of trips of less than 90 days

Automatic renewal
Medical expenses up to €500,000
Sports and leisure cover
Trip cancellation €12,000 per Insured

From

165^€

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

Personalized quote

Need help ?

Horaires : Mon-frid | 9am-5pm

+ 33 1 53 20 44 20

info@ava.fr

Guarantees

CANCELATION

Remboursement of cancelation fees up to 6.000 € per Insured and per Trip, and 12.000€ per year in case of :
- Illness (rendering the trip impossible), Accident, hospitalisation, including the aftermath, sequelae, complications or aggravation of an illness or accident of yourself, common law spouse, your ascendants or descendants (any degree), or the person accompanying him during his trip
- Cancellation FOR ALL EXCEPT up to 6.000 € per insured and per year, for any other random event, whatever it is, constituting an immediate, real and serious obstacle, preventing your departure and/or participation in the activities planned during your stay
  
  Deductible 60 € per file
  
  Maximum per Insured and per year : 12.000 €
  
  Maximum par event and per trip : 12.000 €

REPATRIATION - ASSISTANCE

Tele-consultation before departure
Medical repatriation
Repatriation of accompanying persons
Repatriation of children under age 18
-Visit of family member/close friend, return ticket and hotel expenses 80 € per night maximum 10 nights
Return impossible up to 1.000 € per personne and hotel expenses upto 150 € per night maximum 14 nights
Extension of stay, 80 € per night maximum 14 nights
Hotel costs following placement into quarantine 150 € per night max 14 nights
Sending of medication abroad
Repatriation of remains
Early return , one way ticket
Coverage of local telephone plan 80 €
Legal Assistance Abroad
- Advance of bail bond up to 15.300 €
- Payment of legal fees up to 3.100 €
Expenses for search and rescue up to 5.000 €
Advance of funds up to 1.500 €
additional assistance to person
- Housekeeper following repatriationt
- Delivery of household groceries
- Psychological support after repatriation

MEDICAL EXPENSES ABROAD

Coverage on 1st euro or reimbursement up to 100% of actual costs complementary to reimbursement of Social Security
- Direct payment in case of hospitalization. In the event of hospitalization, obligatory call to the assistance platform
- On the return of the insured with intervention of the Social Security for the other expenses of health (doctor, pharmacy)

Deductible of 30 €

Maximum per evenement : 500.000 €

Reimbursement for emergency dental treatment : actual expenses up to €250

CIVIL LIABILITY ABROAD

Civil liability :
- Bodily harm, property damage and consequential losses up to 4.500.000 €
- Property damage and consecutive consequential losses up 750.000 € with a straight deductible of 150 € per claim
- Defence before civil, commercial or administrative courts. Defence of civil interests before the criminal courts

LUGGAGES

Compensation up to €2,000 per insured person, in the event of:
- Theft or damage to luggageduring Stay
- Loss, theft or damage to luggage when transported by a transport company
Deductible 50 € per Insured

Valuable objects : refund cap limited up to 50% of the amount of guarantee

TRAVEL INCIDENTS

During a trip
- Flight delay more than 4h at real costs up to 150 € per Insured, maximum 450 € par event
- Rembursement of land services in case of interruption of trip up to 6.000 € per Insured and per trip, maximum 12.000 € per event
- Damage to sports equipment
- Rembursement of ski lessons

En cours d’année
- following temporary closure of the activity (fire, water damage, natural disaster)
Maximum per Insured and per year : 1.000 €

INDIVIDUAL ACCIDENT

Payment of a capital of € 15.000 in case of accidental death or disability above 10%

CANCELLATION - INTERRUPTION OF ACTIVITY

Reimbursement of cancellation or interruption fees :

max 1.000 € per insured and per year,
deductible 10% with a minimum of 30 € per insured

SPORTIVE MATERIAL AND ACTIVITIES

Reimbursement of ski lift and ski school fees in the event of an accident
Breakage of rental equipment, including skis

Maximum €600 per year per insured person

Remboursement of cancelation fees up to 6.000 € per Insured and per Trip, and 12.000€ per year in case of :
- Illness (rendering the trip impossible), Accident, hospitalisation, including the aftermath, sequelae, complications or aggravation of an illness or accident of yourself, common law spouse, your ascendants or descendants (any degree), or the person accompanying him during his trip
- Cancellation FOR ALL EXCEPT up to 6.000 € per insured and per year, for any other random event, whatever it is, constituting an immediate, real and serious obstacle, preventing your departure and/or participation in the activities planned during your stay
  
  Deductible 60 € per file
  
  Maximum per Insured and per year : 12.000 €
  
  Maximum par event and per trip : 12.000 €

Tele-consultation before departure
Medical repatriation
Repatriation of accompanying persons
Repatriation of children under age 18
-Visit of family member/close friend, return ticket and hotel expenses 80 € per night maximum 10 nights
Return impossible up to 1.000 € per personne and hotel expenses upto 150 € per night maximum 14 nights
Extension of stay, 80 € per night maximum 14 nights
Hotel costs following placement into quarantine 150 € per night max 14 nights
Sending of medication abroad
Repatriation of remains
Early return , one way ticket
Coverage of local telephone plan 80 €
Legal Assistance Abroad
- Advance of bail bond up to 15.300 €
- Payment of legal fees up to 3.100 €
Expenses for search and rescue up to 5.000 €
Advance of funds up to 1.500 €
additional assistance to person
- Housekeeper following repatriationt
- Delivery of household groceries
- Psychological support after repatriation

Coverage on 1st euro or reimbursement up to 100% of actual costs complementary to reimbursement of Social Security
- Direct payment in case of hospitalization. In the event of hospitalization, obligatory call to the assistance platform
- On the return of the insured with intervention of the Social Security for the other expenses of health (doctor, pharmacy)

Deductible of 30 €

Maximum per evenement : 500.000 €

Reimbursement for emergency dental treatment : actual expenses up to €250

Civil liability :
- Bodily harm, property damage and consequential losses up to 4.500.000 €
- Property damage and consecutive consequential losses up 750.000 € with a straight deductible of 150 € per claim
- Defence before civil, commercial or administrative courts. Defence of civil interests before the criminal courts

Compensation up to €2,000 per insured person, in the event of:
- Theft or damage to luggageduring Stay
- Loss, theft or damage to luggage when transported by a transport company
Deductible 50 € per Insured

Valuable objects : refund cap limited up to 50% of the amount of guarantee

During a trip
- Flight delay more than 4h at real costs up to 150 € per Insured, maximum 450 € par event
- Rembursement of land services in case of interruption of trip up to 6.000 € per Insured and per trip, maximum 12.000 € per event
- Damage to sports equipment
- Rembursement of ski lessons

En cours d’année
- following temporary closure of the activity (fire, water damage, natural disaster)
Maximum per Insured and per year : 1.000 €

Payment of a capital of € 15.000 in case of accidental death or disability above 10%

Reimbursement of cancellation or interruption fees :

max 1.000 € per insured and per year,
deductible 10% with a minimum of 30 € per insured

Reimbursement of ski lift and ski school fees in the event of an accident
Breakage of rental equipment, including skis

Maximum €600 per year per insured person

Options

SPORTS ARTICLE

Indemnisation up to 2.000 € per year and per insured in case of damage or theft of sport article, personnal or rented

Deductible: 10%

Obsolete: 1% per month

COVID EXTENSION

Extension of Cancelation in case of:

Serious illness following an epidemic or pandemic,
Denied boarding resulting from a temperature check at the airport on the day of departure,
For unvaccinated travelers, in the event of a change in health policy in the destination country, making vaccination mandatory, after the purchase of the trip.

PORTABLE EQUIPMENT

Indemnisation up to 2.500 € per insured in case of breackage or theft of goods:
- Laptop
- Camera and accessories
- Tablet
- digital book
- Caméra

Indemnisation up to 500 € per insured in case of breackage or theft of cell phone

Deductible: 10%

obsolescence rate: 1% per month

Not cumulative with luggage warranty

Prices

Child fare applicable only if related to an adult contribution

Subscription	Other destinations	Whole world including USA/Canada
Up to 65 years	165 €	245 €
Up to 80 years	225 €	345 €

Companion: My child	Other destinations	Whole world including USA/Canada
Up to 18 years	55 €	95 €

Extension cancelation to COVID

Price	Upon registration for the trip, all rates apply.
per person	70 €

Break and theft of nomad goods

Price
per person	60 €

Breakage, theft of sports equipment

Price
per person	60 €

Personalized quote

Need help ?

Horaires : Mon-frid | 9am-5pm

+ 33 1 53 20 44 20

info@ava.fr

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Learn more

An annual multi-risk insurance, cost-effective from the 2nd trip

Do you like to travel regularly? Your insurance should keep up with you. With our annual travel insurance plan with automatic renewal, you no longer need to subscribe before each trip: a single policy covers all your journeys. You can focus on your next adventure, we take care of the rest. Plus, even when you’re not traveling, your sports and leisure activities are protected in case of cancellation or interruption. An ideal solution for frequent travelers or families looking to combine convenience and peace of mind.

Comprehensive multi-risk insurance for regular travelers

If you’re the type to travel multiple times a year, in France or abroad, you’re in the right place. City breaks, long stays, extended weekends, business trips… our plan is designed specifically for the “regular traveler.”

No need to subscribe before each departure, because our regular traveler insurance offers you:

Multi-risk coverage (medical care, assistance, baggage, liability, trip cancellation, coverage in case of mandatory quarantine)
A policy covering multiple trips, often worldwide
A fixed annual rate, so you avoid repeated subscriptions

Travel whenever you want—we’re with you whenever you want. Isn’t that freedom? On top of that, you can always count on our responsive team to support you at every step. The cherry on the suitcase: you start getting the most out of our annual insurance from your second trip.

What does our annual travel insurance cover?

Your year will be full of discoveries and unexpected departures. With AVA, you’re supported before, during, and after every journey. Our protection adapts to your pace—not the other way around.

Specifically, you’ll benefit from essential coverage:

Medical care covered whenever you need it, no matter the country
24/7 human assistance to support you in any situation
Baggage, cancellation, and liability coverage for your peace of mind
Clear explanations, as we guide you on what is covered and what isn’t
A simple and practical app to manage your requests on the go

Travel is a precious freedom. That’s why we make sure it’s safer for everyone who trusts us.

Good to know:
Each trip can last up to 90 consecutive days, a solution designed to let you travel as often as you want, freely.

Discover our annual travel insurance

What if you could travel more often, more freely, and without constraints? Our AVA team is here to help you choose the coverage that best matches your globetrotting lifestyle. Contact us, and let’s plan your next adventures together.

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