Travel Accident Insurance
Guaranteed capital if an accident changes your life while traveling
An accident during a trip can have lasting consequences: disability, inability to work, or even death. Our travel accident insurance provides guaranteed capital in these situations, with worldwide coverage during your private and business trips.
Benefits of this insurance
Financial compensation if an accident during the trip leaves permanent after-effects.
Active protection anywhere in the world throughout the entire trip, day and night.
Sum insured for your beneficiaries in the event of accidental death during the trip.
What is covered
Permanent disability from accident
Payment of capital proportional to the degree of disability if the accident during the trip causes permanent after-effects.
Accidental death
Payment of the insured sum to designated beneficiaries in the event of accidental death during the trip.
Rehabilitation and prosthesis costs
Contribution toward rehabilitation, prosthesis or home adaptation costs after a serious accident.
Usual leisure sports
Covers accidents while practicing recreational sports such as skiing, hiking or cycling during the trip.
What is not covered
Illness
Consequences of illness not resulting from an accident are not covered by this policy.
High-risk professional sports
Practicing extreme sports on a professional or high-risk competitive basis requires specific coverage.
Accidents under intoxication
There is no coverage if the accident occurs under the influence of alcohol or drugs above legal limits.
Real claim examples
Disability after a mountain fall
During a hiking trip, Pedro suffers a fall that leaves him with permanent partial disability in one leg. The insurance pays the capital corresponding to the degree of disability.
Complex fracture in a traffic accident
During a trip in a rental car, Elena suffers a fracture requiring several procedures and prolonged rehabilitation. The insurance covers the recognized rehabilitation costs.
Frequently asked questions
How is this different from travel health insurance?
Travel health insurance covers treatment costs; accident insurance pays a fixed capital in case of permanent disability or death, regardless of medical costs.
Are accidents during sports activities covered?
Yes, accidents during usual recreational sports such as skiing, hiking or cycling are covered, except for high-risk professional sports.
How is the disability compensation calculated?
It results from the medically determined degree of disability applied to the agreed sum insured.
Do I need to combine it with travel health insurance?
Not mandatory, but recommended for full protection against both medical costs and the financial consequences of a serious accident.
Want to travel with guaranteed capital protection?
Tell us your destination and planned activities and we will advise you on the right sum insured.
Request free advice