Travel Management

Macif travel insurance: coverage, conditions, rates, ...

Grégory Meslin
Responsable Marketing & Communication

When planning your next adventure abroad, ensuring you have the right insurance coverage is crucial for peace of mind. Macif, a prominent insurance provider, offers a variety of travel-related covers through its existing insurance contracts, albeit not through dedicated travel insurance policies.

What types of travel insurance does Macif offer?

Macif does not provide dedicated travel insurance, but offers various travel-related cover through some of its other insurance contracts. Here are the different types of insurance available and the contracts to which they are linked:

Private liability abroad

This guarantee is included in the Macif home insurance policy. It covers property damage or bodily injury you may cause to others during your stay abroad, in Europe or internationally.

Repatriation assistance

This cover is available under the Macif motor insurance contract. It offers assistance in the event of breakdown, accident or illness while traveling, including repatriation if necessary.

Reimbursement of medical expenses

It is important to note that Macif reimburses medical expenses (medical consultations, medication, hospitalization costs, etc.) as part of its travel assistance coverage only if these expenses are covered by the compulsory French Social Security system.

Macif's health mutual supplements the social security system by reimbursing a portion of medical expenses not covered by the latter. As a result, you're better protected when traveling abroad.

For information, the French social security co-payment corresponds to the portion of medical expenses not reimbursed by compulsory health insurance. This often represents only a small proportion of the costs involved. It is therefore strongly recommended that you take out specific travel insurance to ensure that you are covered as much as possible, thanks to a sufficient ceiling.

We recommend that you consult the specific terms and conditions of the Macif mutual insurance company for details of coverage and reimbursement of medical expenses abroad.

Macif Assistance

Macif also offers travel assistance as part of its automobile insurance and accident coverage. This covers emergency medical expenses, legal assistance, assistance in the event of loss or theft of documents, and other useful services during your travels.

It is important to note that these guarantees are included in existing Macif contracts and are not dedicated travel insurance contracts. It is advisable to check the details and specific conditions of each contract for exact cover and coverage limits.

What does Macif travel insurance not cover?

However, Macif's travel insurance does not cover theft or loss of luggage, or trip cancellation. These specific guarantees are not included in Macif's travel insurance contracts.

To cover these risks, it is advisable to take out specific travel insurance. These supplementary insurances may be offered by other insurance companies or specialized travel service providers.

In the event of theft or loss of baggage, baggage insurance can reimburse you for the cost of replacing or repairing your personal effects. Trip cancellation insurance protects you in the event of unforeseen cancellation of your trip, enabling you to recover the costs incurred.

How can I take out Macif travel insurance?

As mentioned above, Macif does not specifically provide travel insurance. To benefit from certain coverages, you must therefore subscribe to other contracts, such as home insurance, car insurance, etc. To subscribe to one of these Macif insurances, follow these simple steps:

  • Visit the Macif website or contact one of their advisors by telephone.
  • Provide the necessary information, such as your personal contact details, vehicle details (in the case of car insurance) or details of your home (in the case of home insurance).
  • Select the benefits and additional options that best suit your needs. Take the time to understand the different options available.
  • Subscribe to your chosen insurance.

In all cases, it is advisable to interact with a Macif advisor to obtain precise information on the various underwriting options and coverages available.

Our advisors can guide you and help you choose the best solution for your specific needs. Don't hesitate to contact them for personalized advice and assistance in your Macif insurance application process.

How do I report a claim to Macif?

When you need to file a claim with Macif, you can follow the steps below:

  1. Contact Macif immediately to report the loss. You can reach them by telephone or by using the contact details provided on your insurance contract.
  2. Provide all the necessary information about the claim, such as the date, time and place of the incident, as well as details of the damage sustained or any other relevant information.
  3. Prepare all the documents requested by Macif to support your claim. This may include photographic evidence, police reports, repair bills or estimates, medical statements, etc.
  4. Follow the instructions provided by Macif on how to make a claim. They will give you specific advice on the documents to provide and the steps to follow.
  5. Be sure to submit your claim within the deadlines set by Macif. Delays in reporting could jeopardize your eligibility for compensation.
  6. Once your claim has been submitted, Macif will review your claim and inform you of the action to be taken. They may ask you for further information if necessary.

Remember, it's important to contact Macif regularly throughout the claims process with any questions or concerns you may have. They are there to help and guide you through the process.

The time required to report a claim to Macif may vary depending on the type of insurance and the specific circumstances. It is advisable to declare any claim as soon as possible in order to meet the deadlines set by the insurance company.

The usual reimbursement period also depends on the type of claim and internal claims handling procedures. Macif generally endeavors to process claims as quickly as possible, but it is important to bear in mind that additional time may be required depending on the complexity of the claim.

How much does Macif travel insurance cost?

The rates for Macif's various contracts, such as car insurance, home insurance, etc., can vary according to a number of factors, such as the type of vehicle insured, the value of the insured property, the geographical location, the insured's profile, and so on.

We recommend that you contact a Macif advisor for precise information on the rates and options available for each contract. The advisors will be able to provide you with a personalized quote based on your specific needs, and help you choose the best insurance solution for your situation.

Fairjungle's opinion

In conclusion, although Macif offers travel-related cover through its main contracts such as auto or home, it is advisable to take out dedicated travel insurance to avoid the complexity of taking out several contracts. This is particularly relevant for non Macif customers.

Dedicated travel insurance offers specific coverage tailored to travelers' needs, with appropriate cover and reimbursement limits. This avoids the complications associated with taking out main policies, and offers a simpler, more effective solution for peace of mind when traveling.

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