Real insurance for a French family vacation

France's diverse nature, surrounded by picturesque villages and hills, makes it the perfect place for hiking. Choose somewhere with easy terrain and lots of things to visit nearby, and you can have an idyllic – not to mention cheap – vacation, suitable for retirees as well as young children.

Walking holidays, by their gentle nature, have a low injury rate, but like any holiday, accidents can and do happen. Fortunately, these injuries are usually minor, but walkers can show up with a sprained ankle, minor fractures, Baker cysts and other recurrent strain injuries, as well as (depending on area and time of year) environmental complaints such as hypothermia or heat stroke. Most injuries affect heavier or older people with greater joint wear, while the last two more severely affect younger family members who are physically smaller and whose bodies are less skilled at controlling the indoor environment.

For this reason, for travelers to the UK, every family member, regardless of age or walking experience, should be provided with an EHIC to cover any emergency treatment. However, EHIC cannot cover every case, and even if you are traveling on cheap, family travel insurance should be in place to avoid unexpected medical expenses.

Visit a doctor or hospital

Although you will spend most of your vacation happily exploring French villages and landscapes with your family, there is always the possibility that you will need to seek a doctor – whether it is a walking related injury or an unrelated complaint, if you must see a doctor, EHIC or not, it is possible that you will have to pay in advance and subsequently request a refund. If this happens, you can present your EHIC and all relevant paperwork at your local Caisse Primaire office D & # 39; Assurance Maladie (CPAM), or you can request a refund upon return to the UK.

You need to be aware that it is possible that you will only be reimbursed a percentage of the cost (up to 70%), which means that although you win, you will not be completely out of pocket, what you have to pay may not be cheap. A cheap family travel insurance policy can cover visits to emergency room doctors, but it's worth checking out the details before your trip, or your cheap walking vacation might end up being more expensive than predicted

Although we all hope for a healthy, incident-free vacation, visits to the hospital are unfortunately sometimes necessary. If this happens, you simply present your EHIC and in many cases you will have to pay any advance as possible – saving you from having to claim a refund later. However, there may be a non-refundable payment that accounts for 20% of the total cost required, which you will have to pay even with the presentation of the EHIC. This is not always the case, but even if it is, even a cheap family travel insurance policy should cover it. If you are unlucky enough to stay in the hospital for a few nights, there will be a charge of € 16 per night, which is not covered by EHIC.

regulations

If your doctor prescribed you anything while on vacation, the cost of completing a prescription should fall within the EHIC fee. Be sure to refill your prescription at a pharmacy operating within the French national health system to ensure that it is covered by EHIC. Pharmacies are very easy to find in France, and there are usually several in all but the smallest villages.

As long as you adequately cover the bases with both EHIC and private travel insurance for your family, any unforeseen health problems you might encounter on your holiday in France should not leave you too much in your pocket.