@fabien can help with all your insurance needs
http://www.survivefrance.com/t/insurance-brokerage-services-from-fabien-pelissier/13734
Hi, just kicking in thanks to James mention 
To be honest there isnāt a āone fit it allā solution so it depends on your age, family composition (for the trip), where you are going (quiet zone or not), etc. Travel insurances range from 25ā¬ to more than 150ā¬ in regards to your answers for these questions so comparing the price only is a non-sense as itās useless to take an insurance just to have oneā¦ you have to be properly covered otherwise youād better of not taking one
Happy to help of course (Iām a broker so I can compare many options),
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Hi Sandra, that doesnāt seem much for the US, the basic policy we normally go for has Ā£2.5 million of medical cover.
Hi Timothy, most policies in France are a LOT less than that, and of course you donāt need to fill out a 30-page questionnaire only to be excluded cover for any pre-existing conditions - in other words, giving the insurer the ability to not pay out for things you may actually need.
We struggled to find what was a āreasonableā level of medical cover, and decided with repatriation cover included, we would just have to somehow get back to France if really ill!
Our lovely insurer, normally so helpful and knowledgeable was at a loss to let us know what level of cover we needed, and why the big differences between European policies and U.K. ones in relation to medical cover for the USAā¦
Does your normal policy include all pre-existing conditions and cover those resident in France, and flying to/from France? Please do send me the details as I would be very interested to investigate for any future trip.
Thank you.
Hi Sandra, weāve been going to the States for years and when we lived in the UK getting insurance at a reasonable cost wasnāt a problem. Here though the cost is ridiculous, our assurance company is Allianz who quoted us 200 Euros per person for a two week holiday so we now go with Worldwide Insure who specialise in insurance for EU residents. Weāve got a rolling annual worldwide policy with them which cost roughly 170 Euros for the two of us for trips lasting a maximum of 31 days. Now weāve never had to claim and we have no pre-existing medical conditions which might increase the premiums but the company is highly rated and is regulated by the FCA in the UK so we think they are as good as any on-line insurance company.
Thanks Timothy, had a look at them and their medical clause may cause us some issues, I would need to call for clarification! We are sorted for this trip now, and at a lower price than that quoted by Worldwide. We have paid ā¬90 euros each for 25 days, and very professionally handled. That is why I wanted to share with others who may be in a similar situation. Our HSBC cover is great for our European trips where our European Health card takes care of the medical side, and HSBC does the rest! And indeed, it was fine for our trips to Australia as a British Passport holder is entitled to medical care (for the moment at least!).
I have shared the information with our current insurers, who tried hard to help us, but Allianz was not providing them with cost effective products. They are now on the case to see what Allianz have to say about this! What they could offer was low cover levels and high premiumsā¦
Minefield really! Thanks again for the recommendation.
From my experience Allianz is one of the most expensive insurer for that kind of insurance (they are great for other matters like cars or home for example) for information.