Paris, the City of Light, is a dream destination for millions. From the majestic Eiffel Tower to the charming streets of Montmartre, it’s a place that belongs on every traveler’s bucket list. Whether you’re sipping coffee at a café along the Seine or marveling at the Mona Lisa in the Louvre, Paris promises romance, culture, and history in every corner. But as with any iconic destination, a trip to Paris comes with risks—lost luggage at Charles de Gaulle Airport, a sudden illness after too many croissants, or a canceled flight due to a strike. That’s where travel insurance comes in.
In this ultimate guide, we’ll explore why you need the best travel insurance for Paris in 2025, compare top plans, and share insider tips to ensure your Parisian adventure is as magical as the city itself. Curious about other must-visit spots? Check out our guide to the Grand Canyon for more inspiration. Let’s dive in and prepare you for a worry-free journey to one of the world’s most beloved cities.
Why Travel Insurance Is Essential for Paris in 2025
France welcomes over 80 million tourists annually, with Paris as its crown jewel. But its popularity doesn’t shield you from unexpected hiccups. Here’s why securing the best travel insurance for Paris is non-negotiable:
High Medical Costs
France has an excellent healthcare system, but it’s not free for tourists. A simple doctor’s visit can cost €50–€100, while a hospital stay might run into thousands without coverage. For Americans or non-EU visitors, travel insurance with robust medical benefits is a lifesaver. Learn more about international healthcare costs from the U.S. Department of State.
Frequent Strikes and Delays
Paris is notorious for transport strikes—metros, trains, and even flights can grind to a halt. In 2024 alone, air traffic controller strikes disrupted thousands of trips. The right insurance can cover cancellation or delay costs when your plans go awry. See our tips for handling travel delays for more strategies.
Theft in Tourist Hotspots
Pickpocketing is a known issue near landmarks like Notre-Dame or the Champs-Élysées. Losing your passport, wallet, or camera can derail your trip. Insurance with baggage and personal item protection keeps you covered.
Weather and Events
Spring floods along the Seine or summer heatwaves can disrupt travel. Plus, 2025 marks the 150th anniversary of the Paris Opera House opening—expect crowds and higher risks of cancellations. Insurance ensures you’re prepared.
Top 5 Travel Insurance Plans for Paris in 2025
Finding the best travel insurance for Paris depends on your trip length, budget, and plans—whether it’s a romantic weekend or a two-week French escapade. Below, we’ve reviewed five top-tier options based on coverage, cost, and traveler reviews.
1. Allianz Global Assistance – Classic Plan with Trip Plus
- Coverage:
- Emergency medical: $50,000
- Trip cancellation: 100% of trip cost
- Baggage loss/delay: $1,000/$200
- Trip interruption: 150% of cost
- Best For: Couples or solo travelers on a 5–7 day Paris trip.
- Pros: Affordable with strong cancellation coverage—ideal if a strike cancels your Eurostar from London. 24/7 assistance helps with lost museum tickets or medical needs near Saint-Germain.
- Cons: Adventure activities (e.g., biking along the Seine) aren’t covered.
- Cost: $60–$90 for a week.
- Why Choose It: Reliable and budget-friendly for a classic Paris itinerary. Get a quote from Allianz.
2. World Nomads – Standard Plan
- Coverage:
- Medical: $100,000
- Evacuation: $300,000
- Trip cancellation: $10,000
- Baggage: $1,000
- Best For: Backpackers or adventurers extending beyond Paris (e.g., to the Alps).
- Pros: Covers activities like renting a Vélib’ bike or day trips to Versailles. Flexible—you can buy or extend it mid-trip.
- Cons: Higher premium for short stays; less focus on cancellation.
- Cost: $80–$110 for 7 days.
- Why Choose It: Perfect for active travelers exploring Paris and beyond. Explore World Nomads.
3. Travelex – Travel Select
- Coverage:
- Medical: $50,000
- Cancellation: 100% of cost
- Baggage: $1,000
- Kids under 17: Free with adult policy
- Best For: Families visiting Disneyland Paris or the Eiffel Tower.
- Pros: Kid-friendly coverage saves money for groups. Includes trip delay ($500) for long waits at Gare du Nord.
- Cons: Lower evacuation limit ($25,000) compared to competitors.
- Cost: $70–$120 for a family of four, 7 days.
- Why Choose It: Budget-friendly for parents with little explorers. Check Travelex plans.
4. AXA Assistance USA – Gold Plan
- Coverage:
- Medical: $250,000
- Cancellation: 100% of cost
- Baggage: $1,500
- Trip delay: $1,000
- Best For: Luxury travelers staying at 5-star hotels like the Ritz Paris.
- Pros: High medical and delay coverage—great for pricier trips or if you fall ill after a Michelin-starred meal.
- Cons: Pricier; overkill for short budget trips.
- Cost: $120–$180 for a week.
- Why Choose It: Premium protection for a premium Paris experience. Visit AXA.
5. Generali Global Assistance – Premium Plan
- Coverage:
- Medical: $250,000
- Cancellation: 100% of cost
- Baggage: $2,000
- Concierge services: Included
- Best For: Long stays or travelers needing extra support (e.g., booking Louvre tickets).
- Pros: Concierge helps with reservations or emergencies—handy during Paris Fashion Week. High baggage limit for shopping sprees on Rue Saint-Honoré.
- Cons: Most expensive option.
- Cost: $150–$200 for 7 days.
- Why Choose It: All-in-one coverage with VIP perks. Learn more at Generali.
How to Choose the Best Travel Insurance for Paris
With so many options, picking the best travel insurance for Paris boils down to your needs:
- Short Romantic Getaway: Alliatravel insurance ensures you’re prepared.
Top 5 Travel Insurance Plans for Paris in 2025
Finding the best travel insurance for Paris depends on your trip length, budget, and plans—whether it’s a romantic weekend or a two-week French escapade. Below, we’ve reviewed five top-tier options based on coverage, cost, and traveler reviews.
1. Allianz Global Assistance – Classic Plan with Trip Plus
- Coverage:
- Emergency medical: $50,000
- Trip cancellation: 100% of trip cost
- Baggage loss/delay: $1,000/$200
- Trip interruption: 150% of cost
- Best For: Couples or solo travelers on a 5–7 day Paris trip.
- Pros: Affordable with strong cancellation coverage—ideal if a strike cancels your Eurostar from London. 24/7 assistance helps with lost museum tickets or medical needs near Saint-Germain.
- Cons: Adventure activities (e.g., biking along the Seine) aren’t covered.
- Cost: $60–$90 for a week.
- Why Choose It: Reliable and budget-friendly for a classic Paris itinerary. Get a quote from Allianz.
2. World Nomads – Standard Plan
- Coverage:
- Medical: $100,000
- Evacuation: $300,000
- Trip cancellation: $10,000
- Baggage: $1,000
- Best For: Backpackers or adventurers extending beyond Paris (e.g., to the Alps).
- Pros: Covers activities like renting a Vélib’ bike or day trips to Versailles. Flexible—you can buy or extend it mid-trip.
- Cons: Higher premium for short stays; less focus on cancellation.
- Cost: $80–$110 for 7 days.
- Why Choose It: Perfect for active travelers exploring Paris and beyond. Explore World Nomads.
3. Travelex – Travel Select
- Coverage:
- Medical: $50,000
- Cancellation: 100% of cost
- Baggage: $1,000
- Kids under 17: Free with adult policy
- Best For: Families visiting Disneyland Paris or the Eiffel Tower.
- Pros: Kid-friendly coverage saves money for groups. Includes trip delay ($500) for long waits at Gare du Nord.
- Cons: Lower evacuation limit ($25,000) compared to competitors.
- Cost: $70–$120 for a family of four, 7 days.
- Why Choose It: Budget-friendly for parents with little explorers. Check Travelex plans.
4. AXA Assistance USA – Gold Plan
- Coverage:
- Medical: $250,000
- Cancellation: 100% of cost
- Baggage: $1,500
- Trip delay: $1,000
- Best For: Luxury travelers staying at 5-star hotels like the Ritz Paris.
- Pros: High medical and delay coverage—great for pricier trips or if you fall ill after a Michelin-starred meal.
- Cons: Pricier; overkill for short budget trips.
- Cost: $120–$180 for a week.
- Why Choose It: Premium protection for a premium Paris experience. Visit AXA.
5. Generali Global Assistance – Premium Plan
- Coverage:
- Medical: $250,000
- Cancellation: 100% of cost
- Baggage: $2,000
- Concierge services: Included
- Best For: Long stays or travelers needing extra support (e.g., booking Louvre tickets).
- Pros: Concierge helps with reservations or emergencies—handy during Paris Fashion Week. High baggage limit for shopping sprees on Rue Saint-Honoré.
- Cons: Most expensive option.
- Cost: $150–$200 for 7 days.
- Why Choose It: All-in-one coverage with VIP perks. Learn more at Generali.
How to Choose the Best Travel Insurance for Paris
With so many options, picking the best travel insurance for Paris boils down to your needs:
- Short Romantic Getaway: Allianz’s Classic Plan offers affordable peace of mind.
- Family Vacation: Travelex keeps costs low with free kid coverage.
- Luxury or Long Trip: AXA or Generali provide top-tier protection.
- Adventure Seekers: World Nomads supports active itineraries.
Compare quotes online and check for add-ons like rental car coverage (useful for day trips to Giverny) or Cancel For Any Reason (CFAR) if you’re worried about last-minute changes. Need help deciding? Read our guide to choosing travel insurance.
Paris-Specific Risks and Insurance Tips
Paris is magical, but it’s not without challenges. Here’s how to tailor your insurance to the city:
Pickpocketing and Theft
- Risk: Crowds at Sacré-Cœur or the Metro make theft common.
- Tip: Choose a plan with at least $500–$1,000 in baggage/personal item coverage. Keep receipts for expensive items like souvenirs from Galeries Lafayette.
Transport Disruptions
- Risk: Strikes or delays at Orly Airport can strand you.
- Tip: Look for $200+ in trip delay coverage (e.g., Allianz or AXA) to cover extra hotel nights or meals.
Medical Emergencies
- Risk: A slip on cobblestone streets or food poisoning from escargot could require care.
- Tip: Aim for $50,000+ in medical coverage—World Nomads or Generali excel here.
Seasonal Considerations
- Spring (March–May): Flood risks along the Seine—ensure trip interruption coverage.
- Summer (June–August): Heatwaves and crowds—medical and delay protection are key.
- Winter (December–February): Snow or ice delays—prioritize cancellation benefits.
What to Do Before You Buy Travel Insurance for Paris
- Check Visa Requirements: Schengen visas (required for some non-EU travelers) mandate insurance with €30,000+ medical coverage—most plans above meet this. See Schengen Visa Info for details.
- Review Your Credit Card: Some cards (e.g., Chase Sapphire) offer basic travel insurance—confirm it’s enough for Paris.
- Get Quotes Early: Buy within 14 days of booking your trip for maximum cancellation benefits.
- Read the Fine Print: Ensure pre-existing conditions or specific activities (e.g., hot air ballooning in Île-de-France) are covered.
A Sample Paris Itinerary with Insurance in Mind
Here’s a 7-day Paris plan, showing how insurance protects you:
- Day 1: Arrive at CDG Airport. Delay coverage reimburses a late flight.
- Day 2: Eiffel Tower and Seine cruise. Medical coverage helps if you twist an ankle.
- Day 3: Louvre and Notre-Dame. Baggage coverage replaces a stolen camera.
- Day 4: Day trip to Versailles. Trip interruption covers a missed train.
- Day 5: Montmartre and Sacré-Cœur. Personal item coverage for a lost wallet.
- Day 6: Shopping on Champs-Élysées. High baggage limits for luxury purchases.
- Day 7: Depart. Cancellation coverage if a strike cancels your flight.
Want more itinerary ideas? Check our Paris travel guide.
Cost of Travel Insurance for Paris: Is It Worth It?
For a 7-day trip costing $2,000 (flights, hotel, etc.), insurance ranges from $60–$200—about 3–10% of your total cost. Compare that to a $5,000 hospital bill or $1,000 flight cancellation fee, and it’s a small price for peace of mind. The best travel insurance for Paris isn’t just about cost—it’s about matching your trip’s risks. For more on budgeting, see Travel + Leisure’s cost guide.
Final Thoughts: Secure Your Paris Dream Trip
Paris in 2025 promises timeless beauty—croissants at dawn, sunset at the Arc de Triomphe, and strolls through Le Marais. Don’t let the unexpected dim its glow. Whether you’re a budget backpacker or a luxury lover, the best travel insurance for Paris ensures your journey to this wonder of the world is unforgettable for all the right reasons.
Ready to visit the City of Light? Compare these plans, grab a quote, and pack your bags for Paris with confidence. Bon voyage