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Understanding what your travel insurance really covers

Thirteen files, all resting on public documents: the exact clauses of bank cards and travel policies, quoted with their article and version; the real cost of a medical repatriation, country by country with sources; the mechanism that decides who settles the hospital abroad; and what an employer owes the staff it sends abroad.

The reference files

Countries advised againstBeing insured in a country formally advised againstWhat the four policies actually say when a country is advised against — quotations, articles, versions — and what remains covered.Read the file →Repatriation costsHow much does a medical repatriation cost?How much a medical repatriation costs, country by country, with the source of each range and who pays in practice.Read the file →Who pays the hospitalThe direct payment guarantee: who settles the hospital bill abroadThe hospital demands a deposit before admission: the difference between advancing the costs and a direct payment guarantee.Read the file →Bank card insuranceDoes your bank card really cover you abroad?Amex Platinum, Visa Infinite, Mastercard World Elite: excluded zones, limits, excesses and the 90-day cap.Read the file →Diplomatic divergencesThe countries where the United States, France and the United Kingdom disagreeOne country, the three official positions of the day: the State Department level, the French advice, the FCDO alert — each with its dated source and a link to its official page.See the comparison →

Insuring a team abroad

Assignment coverWhat insurance do you need for an assignment abroad?The medical limit, the evacuation, the direct settlement at the hospital and the certificate: the four lines you read before signing, with their amounts.Read the file →Insuring a teamInsuring a team that travels: you cover a headcount, not namesThe company pack is bought on a number of employees, never on a list of names: what that choice changes at subscription, for a visa and on the day of a claim.Read the file →Duty of careWhat is duty of care?A safety obligation that plays out in two distinct acts: having a contract carry the risk, and being able to prove who was covered, where, and from when.Read the file →Employee hospitalisedAn employee is hospitalised abroad: the sequence, seen from the companyWho calls, what the company needs to have to hand and the four moves to avoid while an employee is in hospital abroad.Read the file →Employer's obligationIs an employer required to insure an employee on assignment abroad?No rule names the policy to buy — which settles nothing: who answers the hospital, and how far a compulsory scheme reaches outside the country of residence.Read the file →

What your card really covers

Amex PlatinumHow long does your Amex Platinum actually insure a trip?A card valid all year does not insure a stay all year: where the 90-day count stops, and what it leaves uncovered.Read the file →Standard travel policyWhat does a standard travel policy exclude, and who fronts the money?What a standard travel policy rules out, and who reaches for a card at the hospital on the day it does cover.Read the file →Mastercard World EliteWhat exactly does the World Elite Mastercard territorial clause cover?Article 5.5 of the Fortuneo notice taken word by word: what the territorial clause covers, and the day on which it is assessed.Read the file →Visa InfiniteDoes a €156,000 limit hold against a medical evacuation?€156,000 per event, held up against the evacuation ranges we record country by country — and what "per event" does to the sum.Read the file →
Your destination's risk level, checked this morning

207 countries, today's official level, what it changes for your policy, the observed repatriation cost and the real medical network on the ground.

See all 207 countries → Track my teams
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