We fully cover the administrative costs of changing travel or subsistence. We guarantee the reimbursement of any costs and deductions for which the insured would be liable in the event of cancellation of a trip which would be caused by one of the circumstances listed below:

A serious illness, an accident, the death, disappearance or kidnapping of:
- the insured;
- an accompanying person;
- a family member up to the second degree of kinship;
- a person living under his roof and he/she is responsible for the care.
In the event of premature delivery (before the 33rd week) of a member of the insured's family up to the second degree of kinship.
Pregnancy of the insured as such, provided that the trip is planned during the last 3 months of pregnancy and that the trip has been taken out before the start of the pregnancy.
In the event of dismissal of the insured or his spouse.
In the event of cancellation of a honeymoon of the insured following the cancellation of the civil ceremony on presentation of an official document.
In the event of divorce of the insured, provided that the procedure has been initiated after booking the trip.
In the event of a de-facto separation of the insured insofar as one of the spouses has changed domicile after booking the trip.
In the event that the employer revokes the insured person's vacation leave, provided that the event occurs within the thirty days preceding the departure
- as a result of illness or the accident of a colleague responsible for his replacement;
- if the insured must take an examination within the framework of a professional activity;
- if the presence of the insured is essential following a change of function.
When the insured, job seeker, concludes an employment contract for a period of at least three months starting in the thirty days preceding the departure.
When the insured has been refused the necessary visa to undertake the trip unless entry restrictions on the territory result from earthquakes, volcanic eruptions, events of war, strikes, riots, attacks, pandemic, civil or military unrest or damage caused by war vehicles.
When the insured cannot be vaccinated for a medical reason, provided that this vaccination is required by the local authorities.
Theft of the identity papers and/or visa of the insured within 48 hours before departure on presentation of a declaration from the competent authorities.
When the insured must present a second exam session, within 30 days of returning from travel, provided that this is scheduled at the latest.
In the event of significant material damage to the property of the insured person in the thirty days preceding departure; provided that such damage was not foreseeable and that the presence of the insured is absolutely required and not postponable.
When the insured person's means of transport is rendered inactive due to a traffic accident, and causes a delay in departure, or a case of unforeseeable circumstances occurring during the route taken by the insured to the place of boarding.
In the event of total immobilization of the private vehicle of the insured or an accompanying person, resulting from a traffic accident, theft, vandalism or fire, at the time of departure or in the 48 hours preceding it or en route to a holiday resort located abroad, provided that it cannot be repaired in order to reach the destination on time.
When the insured or a member of his family up to the second degree of kinship is called or summoned:
- for legal procedures relating to child adoption;
- for an organ transplant (as donor or recipient);
- as a witness in court following a summons by a legal letter.

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Travel Insurance