MAIF travel insurance: All you need to know

Unlike some insurers, MAIF does not offer a specific, independent travel insurance contract. In fact, travel cover is included in its comprehensive home insurance policy (MRH). This cover is optional and is available in all 3 formulas.

What does MAIF travel insurance cover?

MAIF travel insurance, included in your comprehensive home insurance policy (MRH), offers a classic range of cover for your travels. Here's an overview of the cover we offer:

Assistance and coverage of medical expenses

• Medical expenses and hospitalization abroad: MAIF travel insurance covers up to €80,000 per beneficiary. This coverage applies in addition to social security, provided you are insured with a medical or health insurance organization. It is important to note that viral diseases, including Covid-19, are not covered by this insurance.
• Repatriation: In the event of medical need, MAIF, in conjunction with Inter Mutuelles Assistance (IMA), organizes and pays for the repatriation of the insured and his/her family to their home or the nearest hospital. Medical expenses incurred abroad are covered up to €80,000, after intervention by the social security authorities.

Luggage insurance

• Baggage theft: In the event of baggage theft, MAIF offers assistance and can provide a cash advance to cover urgent and unforeseen expenses. However, it is important to note that the precise coverage of luggage may vary depending on the home insurance contract taken out.

Cancellation insurance

• Cancellation cover: MAIF's trip cancellation option offers cover for events such as serious illness, death, redundancy, and accidents requiring the insured's presence at home. This option is available with a reimbursement ceiling of €2,000 for an individual and €5,000 for a family package.

Civil liability

MAIF's civil liability insurance covers material, immaterial or bodily damage caused to third parties, whether in France or abroad. It is important to note that the conditions of application and ceilings of this coverage may vary outside the European Union.

Optional warranties

MAIF also offers additional options that can increase reimbursement limits, such as personal accident insurance or luggage loss or theft insurance. These options are available in conjunction with your home insurance contract, and can provide additional protection when you're on the move.

It's important to note that MAIF travel insurance cover may vary according to the formula chosen in the MRH policy. It is therefore advisable to consult the general conditions or speak to an advisor for full details of the cover offered.

What are the exclusions of MAIF travel insurance?

MAIF travel insurance includes certain exclusions. Here are some common examples:

1. Viral infections: Viral infections, including Covid-19, are not covered by MAIF travel insurance.
2. Risky activities: Risky activities such as extreme sports or professional competitions may be excluded from coverage.
3. Use of alcohol or drugs: Accidents or incidents occurring under the influence of alcohol or drugs may not be covered.
4. Intentional acts: Damage caused intentionally by the insured is generally not covered.
5. War and terrorism: Events related to war, acts of terrorism or riots may be excluded from coverage. It is important to consult the general terms and conditions of the MAIF travel insurance policy for a complete list of specific exclusions.

What are the rates for MAIF travel insurance?

The price of MAIF travel insurance is not directly available, as it is a guarantee added to the multi-risk home insurance contract (MRH).

The price of property insurance can vary depending on a number of factors, such as the value of the insured property, its location, the cover chosen and the additional options selected. We therefore recommend that you contact MAIF for a personalized quote based on your specific needs.

How do I take out MAIF travel insurance?

To take out MAIF travel insurance, you must have a comprehensive home insurance policy with MAIF. Here are the steps to follow to subscribe to MAIF travel insurance:

1. Check whether you already have an MRH policy with MAIF. If not, you'll need to take out an MRH policy before you can benefit from travel insurance.
2. Contact MAIF by phone, online or by visiting one of their branches to express your interest in MAIF travel insurance.
3. A MAIF advisor will guide you through the underwriting process and provide you with all the necessary information on the cover and options available.
4. You will need to provide the required information, such as your personal contact details, details of your existing MRH policy (if applicable) and any other information requested by MAIF.It is recommended that you read the general conditions of the MRH policy carefully and ask any necessary questions before taking out MAIF travel insurance to ensure that you understand the specific cover and exclusions.

How do I make a claim with MAIF travel insurance?

To make a claim under MAIF travel insurance, you can follow the steps below:

1. Contact MAIF immediately if you have a claim or an event covered by your travel insurance. You can contact them by phone, online or by visiting one of their branches.
2. Prepare all the documents you need to support your claim. This can include proof of the event, invoices, receipts, medical reports, police statements, etc. The more details and evidence you provide, the smoother the claims process will be.
3. Follow the instructions given by MAIF to file your claim. They will tell you which forms to fill in and which documents to provide. Make sure you provide all the information requested clearly and accurately.
4. Send your claim to MAIF within the specified deadlines. It is important to respect the claim deadlines to avoid any processing problems.
5. Once your claim has been received, MAIF will review the documents and assess your claim. It is recommended that you keep a copy of all documents you send to MAIF for future reference. If you have any questions or concerns about your claim, please do not hesitate to contact MAIF for further clarification.

How can I obtain a MAIF travel insurance certificate?

To obtain a MAIF travel insurance certificate, follow these steps:

1. Contact MAIF by telephone, online or by visiting one of their branches.
2. Indicate that you need a travel insurance certificate and provide the necessary information, such as your name, your MRH policy number and the details of your trip.
3. MAIF will then provide you with the requested travel insurance certificate. Be sure to check that all information is correct and complete.
4. If you require the travel insurance certificate in a specific format or have any special requirements, please inform MAIF when making your request.

We recommend that you request your MAIF travel insurance certificate in advance, to ensure that you have enough time to receive it before your departure.

How do I cancel MAIF travel insurance?

To cancel MAIF travel insurance, follow these steps:

1. Contact MAIF by telephone, online or by visiting one of their branches.
2. Inform them of your wish to cancel your MAIF travel insurance. Provide them with all the necessary information, such as your name, your MRH policy number and the reasons for cancellation.
3. MAIF will guide you through the cancellation process and provide you with specific information on cancellation deadlines and conditions.
4. Follow the instructions given by MAIF to finalize the cancellation. This may include providing additional documents or signing cancellation forms.
5. Be sure to respect the cancellation deadlines specified by MAIF. Please note that cancellation fees may apply, depending on the terms of your insurance contract.

It is recommended that you carefully read the general conditions of your MAIF travel insurance contract to understand the specific cancellation terms and conditions. If you have any questions or concerns regarding cancellation, please do not hesitate to contact MAIF for further clarification.

Fairjungle's opinion

Although MAIF travel insurance offers a number of useful coverages abroad, the link with MRH home insurance makes it difficult to be flexible. We therefore recommend that you take out a dedicated travel insurance policy, which will firstly enable you to benefit from specific and often more appropriate cover, and secondly allow you to manage it more easily (subscription period, price, etc.).