AVA travel insurance: Review + promo code for the Plan Sante Avanture

To get a 5% promo code on AVA’s Plan Sante Avanture, click here (the promo code will apply automatically) or use the code TDM5

Taking out health insurance is essential when traveling long-term. Indeed, bank card insurance covers you for the first 90 days of your trip, and coverage of your expenses by the French Health Insurance abroad is only hypothetical.

Depending on the country, hospitalization costs can reach staggering amounts. There are too many stories of travelers in huge trouble for trying to save a few hundred euros on insurance: your life is worth more than that!

AVA’s AVAnture health plan is travel insurance well-suited for round-the-world travelers.

Who is AVA’s AVAnture health plan for?

This travel insurance is for:

EU residents
People under 50 only (over 50, AVA offers tailor-made plans)
Trips lasting a maximum of 366 days (but you can subscribe again without time limit)
Travel worldwide with a few exceptions (Cuba, Iran, North Korea, Syria, …)

What does the insurance cover?

As with any insurance, you need to take the time to read the entire contract carefully.

But here are the main points.

Your medical expenses will be covered 100% up to 1 million euros for the USA and Canada and up to 300,000 € for the rest of the world:

In case of hospitalization, you must contact AVA as soon as possible
For other expenses (doctor visits, pharmacy, …), no need to notify in advance, you will be reimbursed (with a 30 € deductible for the USA and Canada)
Emergency dental care is reimbursed up to a maximum of 300 €.

In case of loss of baggage by an airline, AVA covers you up to a maximum of 2,000 €, with a 15 € deductible.

You get liability coverage up to 4.5 million euros for bodily injury and 450,000 € for property damage.

AVA will advance you 500 € in case of loss or theft of payment methods or your passport.

How much does AVA insurance cost?

The price of the insurance varies depending on your age and the duration of your trip.

If you travel as a couple, your partner gets a slightly better rate.

For a one-year trip as a couple, it will cost you:

1,259 € if you are under 35
1,660 € if you are over 50

For comparison, you would pay 1,182 € with Chapka (up to age 40).

This rate does not include the United States and Canada, which require an extension of coverage.

What coverage?

Beyond the price, you need to pay close attention to the level of coverage offered by the insurance.

What I always check:

The hospitalization cost cap
The repatriation costs cap
The liability cap
As a bonus: reimbursement for “standard” health expenses (doctor, medication, dentist, …)

And on all these aspects, Ava Santé holds up pretty well!

The cap of hospitalization fees is €1,000,000 in the United States and Canada, and €300,000 in the rest of the world, which is sufficient even for the most serious cases.

Work repatriation costs are covered at actual cost, with no cap.

The personal liability is covered with a maximum of €4,500,000 for bodily injury and €450,000 for property damage.

Work non-hospitalization expenses (doctor consultations, medication purchases, …) are covered at 100% of actual costs.

Finally, emergency dental care is covered up to a maximum of €300.

This makes AVA’s Plan Santé Avanture an excellent travel insurance.

AVA offers two options:

SPORT+ to cover aerial sports and intensive practice of high-risk sports.
AVA TECH to cover nomadic devices up to €3,000.

Ava Santé promo code