Guarantees

AVA travel insurance offers comprehensive protection for your stays abroad, with effective coverage of medical expenses in case of illness or accident. Whether you travel for a few weeks or several months, AVA supports you worldwide.

Among the included guarantees, AVA covers:

Medical expenses abroad, including emergency hospitalization;

Medical consultations, laboratory tests, and radiological exams;

Necessary outpatient care during your trip;

Emergency dental care for acute pain or accidents;

Specific maternity coverage abroad, subject to contract conditions.

In case of health problems abroad, AVA travel insurance offers comprehensive and prompt medical assistance to help you face any emergency situation, wherever you are in the world.

Services included in the AVA offer:

Dispatch of a doctor on-site in urgent cases;

Transport to a suitable medical facility (ambulance, medical transport, etc.);

Sending medication abroad if unavailable locally;

Medical repatriation to your home if necessary, covered by the insurance;

Medical telephone assistance with advice from health professionals;

Dedicated support to assist with administrative procedures, logistical organization, and ongoing case follow-up;

Psychological support in case of stress, shock, or traumatic situations;

Presence of a close relative in case of prolonged hospitalization, covered by the insurance;

Organization of early return for companions if needed;

In case of death, repatriation of the body to the country of origin, in compliance with health regulations.

AVA travel insurance also includes additional assistance services to handle complex or unforeseen situations abroad. These guarantees include:

• Legal assistance in case of disputes or the need for legal representation abroad;

• Coverage of a bail bond, according to the conditions specified in the contract;

• An international concierge service to facilitate your procedures and daily life while traveling;

• Transmission of urgent messages to your loved ones in case of critical or serious emergencies.

AVA travel insurance goes beyond health coverage: it also offers extensive protection for your personal belongings, leisure activities, and travel disruptions, so you can travel with peace of mind.

This includes:

Compensation for loss, theft, or damage to luggage during your stay or transit;

Coverage for flight delays or baggage delivery delays, with reimbursement of incurred expenses;

Legal assistance abroad if you face a dispute or local legal proceedings;

Coverage of a bail bond, within the limits specified in the contract;

Reimbursement for unused ski lift passes in case of accident or inability to ski;

Reimbursement for ski lessons not taken due to accident, illness, or covered event;

Coverage against accidental breakage of skis or sports equipment during your stay.

AVA cancellation insurance allows you to recover your travel costs in case of unforeseen events before departure. It covers many justified cancellation reasons, including the most common:

An unpredictable illness preventing you from traveling;

A serious accident occurring before departure;

The death of a close relative or the insured;

Hospitalization of the insured;

Denial of leave by the employer for justified professional reasons;

Medical contraindication to travel, especially in case of pregnancy, recent treatment, or surgery.

With AVA, you benefit from reliable and comprehensive travel cancellation protection to avoid losing your expenses due to health issues or personal or professional impediments.

AVA travel insurance includes civil liability coverage abroad, essential in case of damage caused to third parties during your stay. It covers:

Unintentional bodily injury caused to another person (e.g., injury, fall, accident);

Unintentional damage to property belonging to others (e.g., breaking an object, damaging accommodation, accident involving a third party).

This coverage protects you legally and financially in case of claims related to harm caused to a third party.

AVA travel insurance includes essential coverage in the event of a serious accident abroad. It provides appropriate compensation in cases of major physical injury, depending on the severity of the situation.

Coverage includes:

Accidental death of the insured during the trip, with a lump sum paid to designated beneficiaries;

Partial or total permanent disability, resulting in a lasting reduction of physical or mental abilities;

Absolute and permanent disability (APD), meaning the total and irreversible inability to carry out any gainful activity.

These guarantees offer valuable financial security to the insured and their loved ones in the event of a life-altering accident abroad—whether on vacation, a business trip, or an extended stay.

AVA insurance also offers enhanced and customized coverage designed to meet the specific needs of business travelers, entrepreneurs, or participants in major events. It includes:

Cancellation and insurance of important events such as seminars, weddings, cultural or sporting events, with reimbursement of incurred expenses if the event cannot take place;

Key person coverage, essential for protecting a business against the temporary or permanent loss of a vital team member while traveling;

War risk exclusion buyback, allowing coverage in high-risk or unstable areas (subject to conditions);

The possibility to subscribe to high-capital insurance, tailored to sensitive missions, VIP travel, or the specific needs of executives and senior managers.

Exceptional coverage for business travel

This premium offer makes AVA a tailor-made solution for high-stakes international travel, combining flexibility with reinforced security.