Nous partons mercredi pour l'ouest des usa et je suis en train de décortiquer nos contrats d'assurance 😠 (mieux vaut tard que jamais).
Nous avons une AMex gold qui nous rembourse à concurrence de 50 000 euros pour les frais médicaux, chirurgicaux et hospitaliers. Au départ, je trouvais cela correct mais au vue de qq témoignages, il me semble que le plafond est plutôt bas pour les USA. J'hésite donc à prendre une assurance complémentaire.
Je pense qu'une assurance santé complémentaire pour les US n'est pas un luxe !
sur les conseils du Routard j'ai pris :
http://www.avi-international.com/
on peut s'y inscrire par internet (appréciable !)
et je pense que la couverture proposée est sérieuse !
NB: je préfère dépenser 35€ par semaine dans ce type d'assurance que dans une Safe Road par ex
(beaucoup moins intéressante quand on se retrouve dans une zone où le portable ne passe pas...)
Effectivement 50 000 euros est un plafond un peu bas pour les Etats Unis. Il existe de nombreuses assurances santé à l'étranger de différentes qualités (à choisir selon votre voyage). Généralement les plafonds ce situent aux alentours de 150/200 000 euros, voir beaucoup plus.
Le prix des assurances est généralement indexé sur le prix du voyage car elles comprennent notamment les garanties annulation.
Il est vrai qu'aux USA la facture médicale montre très vite même pour une simple consultation, n'hésitez pas à très bien vous couvrir !
C'est vrai ! 😉
Pour info l'assurance AVI couvre jusqu'à 300.000 € sans franchise...
attention aux assurances qui remboursent
"sur la base du barême des tarifs de la Sécurité Sociale française"
Par exemple : une opération c'est tant d'euros, un plâtre c'est tant d'euros... (en France)
rien à voir avec les tarifs pratiqués aux US !
Après étude des différents contrats et de vos commentaires, j'ai opté pour une assurance complémentaire proposée par l'amex (puisque j'ai déjà une Gold) qui me propose entre autre un rbst des frais médicaux et d'hospitalisation à concurrence de 500 000 Euros. (Là, je pense que je suis couverte !!!) En même tps le conseiller au tél m'a bien confirmé que les frais étaient très élevés aux USA (à titre d'exemple une personne la semaine dernière pour une consultation à l'hopital pour une simple gastro : 19 000 dollars !)
Le coût global de l'assurance proposée par l'amex était plus intéressant (cpte tenu des prestations offertes) que l'AVI international mais après, c'est à chacun de faire son calcul.
Mon assurance (auto/habitation) me proposait sinon un contrat intéressant (assurance accidents de la vie courante) mais qui ne garantissait pas la maladie, donc, j'ai opté pour l'assurance de l'amex qui couvre maladie + accidents.
En même tps le conseiller au tél m'a bien confirmé que les frais étaient très élevés aux USA (à titre d'exemple une personne la semaine dernière pour une consultation à l'hopital pour une simple gastro : 19 000 dollars !)
Oui bon, je veux bien que les frais soient élevés, mais faut arrêter de croire aux légendes urbaines.
Les prix vont de 70 à 300 $ pour une simple consultation, plus cher si spécialiste.
Certes, je suis tt à fait d'accord pour le prix des consultations, mais à priori, c'est très différent lorsqu'il s'agit d'hospitalisation (ce qui était le cas) où là les prix grimpent très vite.
Chacun ensuite fait comme il l'entend mais ... lors de nos voyages en Europe, il nous est déjà arrivé d'aller à l'hôpital pour nos enfants (transport ambulance, radios...) en croatie et Irlande, j'ai eu un grave accident en France et donc je préfère partir l'esprit libre plutôt que de devoir payer des sommes énormes lors de mon retour (surtout que après le voyage, nous serons à sec !!! 🤪)
Maintenant, j'espère évidemment ne pas utiliser cette assurance !!
• Territorialité :
- En France, sans franchise kilométrique ;
- Dans le monde entier et pendant les 90 premiers jours du déplacement.
• Les prestations d´assistance :
- En cas de maladie ou de blessure :
* Contacts avec les médecins locaux, organisation et prise en charge du rapatriement éventuel ;
* prise en charge du voyage des accompagnants en cas de rapatriement ;
* organisation et prise en charge du voyage aller-retour d’un proche et de ses frais d’hôtel (jusqu’à 125 € par nuit) en cas d’hospitalisation de plus de 10 jours ;
* accompagnement de vos enfants de moins de 15 ans jusqu’à votre domicile ;
* organisation du transport de votre animal domestique vers le domicile d’un proche ;
* avance et prise en charge des frais médicaux à l’étranger jusqu’à 155 000 € (franchise de 50€).
Je part en famille aus Etats-Unis (voyage touristique de 3 semaines)... avec ma carte VISA PREMIER (Banque postale).
Sachant que les frais d'hospitalisation aux Etats-Unis peuvent être très importants, j'ai pris exprès cette CB ; j'ai parcouru la notice d'assurance et d'assistance de ma carte bancaire.
Or, j'ai la surprise de ne voir mentionner qu'une avance sur frais d'hospitalisation (avec engagement de remboursement sous 60 jours) et non une prise en charge comme attendu. Grosse surprise à quelques jours du départ car j'avais précisément pris une carte VISA PREMIER pour bénéficier de ses (présumées) garanties notamment vis à vis des frais d'hospitalisation. Une avance avec remboursement... La belle affaire !
Si moi ou un membre de ma famille doit être hospitalisé aux Etats-Unis suite à un accident, ça me fait une belle jambe qu'on m'avance les frais d'hospitalisation si je dois les rembourser !
Quelqu'un a-t-il des précisions sur cette petite nuance (avance versus prise en charge) qui a toute son importance ?
Bravo jfr40 d, avoir lu les petits caractère. Très peu de touriste le font.
À titre d'indication le frais médicaux aux états unis sont, en gros, le double de ce que nous voyons ailleur.
À titre d'info, 12 jours d'hospitalisation en Floride + 2 operations suite à un banal accident de vélo a couté $512,000. à une amie.
(à titre d'exemple une personne la semaine dernière pour une consultation à l'hopital pour une simple gastro : 19 000 dollars !)
Merci
ca n'a aucun sens ça !! Je pense que vous vous êtes fait bien remplir par le conseille au téléphone qui a voulu vous vendre une assurance. L'associé d'affaire de mon conjoint était aux USA la semaine dernière avec ses enfants. L'un deux est tombé malade. Consultation en urgence : 90 $ c'était un banal virus.
Je part en famille aus Etats-Unis (voyage touristique de 3 semaines)... avec ma carte VISA PREMIER (Banque postale).
Sachant que les frais d'hospitalisation aux Etats-Unis peuvent être très importants, j'ai pris exprès cette CB ; j'ai parcouru la notice d'assurance et d'assistance de ma carte bancaire.
Or, j'ai la surprise de ne voir mentionner qu'une avance sur frais d'hospitalisation (avec engagement de remboursement sous 60 jours) et non une prise en charge comme attendu. ......
Pourquoi n’appelles-tu pas simplement le service client premier ? tu en auras le cœur net
moi j'ai ça avance et prise en charge :
* avance et prise en charge des frais médicaux à l’étranger jusqu’à 155 000 € (franchise de 50€).
Mais pour te rassurer, téléphone tu auras une réponse peut être moins évasive et tu pourras poser les bonnes questions.
Au passage j'en profite pour dire que si tu loues une voiture il te faut obligatoirement une assurance au tiers en supplément à prendre chez le loueur car la premier ne couvre pas si tu as un accident ( bien expliqué sur le dépliant et confirmé par téléphone)
I’m planning a trip to Japan next year and I have asthma...
I wanted to know about the regulations regarding Ventolin (Salbutamol) in Japan—is it considered a drug? Can I bring my inhaler with me, or do I need to buy a similar product in Japan?
I have two American cousins. The older one was born in Paris, and his sister was born in California. The latter is planning a trip to Paris this summer, but she recently fell ill, and American doctors don’t know what’s wrong. I had the idea of letting her take advantage of her trip to get treated here, avoiding the high healthcare costs of the American system in the process. The problem is, I can’t find anything online about this—just testimonials from French people who used to be American, but nothing for a simple tourist.
I’m traveling to Portugal with my family and I have a treatment that requires injections. How can I take a flight with these? They look like injectable pens.
Thanks
We’re planning a trip to the Philippines from April 22 to May 8, 2026. Flight from Geneva with a layover in Turkey and Manila. Our itinerary: Angeles – Busuanga – Palawan…
The Philippines are a dream destination, but is it possible to travel there safely? I’ve heard that checked luggage often gets lost, tap water isn’t safe to drink, and mosquitoes are everywhere.
For water, what’s the best solution to carry in a backpack? Is a filtering water bottle 100% reliable?
For mosquitoes, should we treat our clothes with repellent? Are you vaccinated against hepatitis A, malaria, or dengue? Or is there an oral treatment to take?
Hi there,
Does anyone know if there’s travel insurance for someone who’s had a heart attack?
I can’t find an insurer that covers a pre-existing condition, even if it’s stable.
Thanks so much!
Hi everyone, next month my wife, our 6-year-old daughter, and I are flying to Thailand. It’ll be a great chance to soak up some sun—something we’ve been missing lately here in France! But speaking of sun, I burn easily, and our daughter even more so. I was wondering what SPF to get for sunscreen and whether it’s better to buy it there or before we leave? Thanks for your tips!
Hello,
We’re planning to spend 3 months in Madagascar starting in mid-February.
Areas: Mahajanga, Tulear, Diego Suarez, and Sainte Marie—the order isn’t set yet. We’ll either drive for part of the trip or take flights.
We’ve heard all sorts of things about required vaccines and medications (is anti-malarial mandatory?). What’s the exact situation for travelers?
I’ll come back to you for other topics (like finding a reliable driver, among others).
Thank you.
Best wishes to you all,
Nicole
We're about to go on an organized trip to South Africa, including Kruger Park. We were told that Malarone should preferably be taken in the evening at the same time during a meal. But it's hard to know what time we'll have dinner, especially since I've read that in South Africa, dinner is usually around 6 PM.
I'd love to hear from people who've been on organized trips to this destination and could share their experience. We were thinking of taking Malarone around 7:30 PM, assuming dinner would be closer to 7 PM than 6 PM. Also, if the meal ends up being earlier or later than when we take the pill, would a cookie or a piece of bread be enough to take with Malarone?
I’m planning to set off on a "round-the-world" trip/long journey at the start of next year, lasting between 4.5 and 6 months. For now, the itinerary looks like this: South Korea (2 weeks) -> Japan (1 month) -> New Zealand (1 month) -> Argentina (1 month) -> United States (1 month).
I’m on medication (paroxetine 20 mg/day) and was hoping to bring enough for the entire trip so I wouldn’t have to find a doctor on the spot, deal with a molecule that might be slightly different from what’s available in France, or wonder if that’s even a possibility. Basically, it seemed simpler on paper...
But after looking into the regulations for each country, it’s suddenly way less simple . Many seem to only allow the amount corresponding to the length of your "stay" in the country... Which is a problem if I arrive in Korea with 4.5 months’ worth of medication, for example.
After all that, and even though I’ll obviously contact the relevant authorities in each country (fingers crossed for a response 😛), here’s my question:
Has anyone here had any experience with this? (Even if it’s a different medication or different countries, any input would be helpful!)
I’m trying to plan a trip to Dubai with my mom. I’ve seen that some of our medications require prior authorization (sleeping pills, codeine, anti-anxiety meds, etc.).
I’d love to hear from anyone who’s been in our situation. A friend of mine applied to bring her tramadol, but it was denied—though she needed high doses!
Has anyone here gone through this process? Do we *really* need a prescription in English?
We just found out my wife is pregnant, and we’ve planned a trip to the Barlavento Islands in Cape Verde this November.
We’d like to know if there’s a real risk of Zika contamination on those islands, because from what we’ve found online, the recorded cases are old and come from the Sotavento Islands.
We’re thinking about canceling our trip.
If you’ve recently traveled to Cape Verde or live there, do you have any thoughts on this?
hi, I’m looking for information about the possibility of returning to Thailand with a portable liquid oxygen system and whether it’s possible to recharge it in Thailand, especially in Chiang Mai. thanks
I’m starting a new discussion on this topic since there doesn’t seem to be a recent one.
I have several chronic conditions (including asthma and related ones), and I’m planning to travel for a year across different countries.
Generally, I understand it’s possible to travel with approved medications (which should be my case), but often with a limit of 3 months’ worth of treatment.
Since I’m going for 12 months, that means for three-quarters of my trip, I’d have more than 3 months’ worth of medication.
I plan to bring my prescriptions with the INN (International Nonproprietary Name), as well as the original packaging (even though it’s a nightmare, but from what I understand, it’s necessary). But I’m not sure if that’s enough...
Have any of you been in this situation before? How does it work at customs—do I need to declare everything that exceeds the 3-month limit? Do I need a letter from my doctors?
I'm currently in Bangkok: How can I find a good doctor for a consultation? It's for a friend who'd like a second medical opinion compared to what they got in their country of residence.
Any professionals you'd recommend? How much does it cost?
I’ve already visited quite a few countries across several continents, but I’m pretty new to Asia.
I’m planning a trip to Thailand in October or November, and I wanted to check about health precautions: malaria treatment, vaccinations (hepatitis A or others...).
I’ll mostly be in the northern region, around Chiang Mai, where I’ll spend a lot of time in nature and the mountains. Then I’ll head south to Phuket or Krabi and visit Khao Sok National Park. I’ll finish up in Bangkok, with a likely detour to Kanchanaburi.
From what I understand, for a stay of less than 60 days, I don’t need a visa (I’m a French national)? I just need to fill out the TDAC form 3 to 5 days before arrival?
Hi there,
I was wondering if anyone is heading to Cuba soon and could bring me some over-the-counter Sildenafil (viagra) tablets—available at Varadero Airport, among other places.
Hi there! So, I'm hesitating about taking a long trip. I'd like to go away for 2 to 3 months and travel across several continents. I’d love some advice. I often have unexplained allergies and need to follow a daily treatment for my diabetes (insulin). I think I can get authorization from my doctor to travel for 6 months with the treatment—is that correct? After those 6 months, is it possible (instead of bothering a relative to send the medication) to see a foreign doctor to get another 6-month travel authorization? How does it work at the airport? Do I need just one medication transport authorization, or do I have to request a new one in each country (once the treatment runs out) for both the flight and a DCI? Also, travel insurance doesn’t cover chronic illnesses, so will I have to pay for foreign consultations out of pocket? I’m not sure if I explained myself clearly. Oh, and just to repeat—travel insurance doesn’t cover chronic illnesses, so foreign consultations will be at my own expense? Thanks in advance for your help!
Hi everyone.
After years of traveling to the USA without any medical insurance subscriptions—and luckily never having any major health issues (though I did get a scorpion sting buried in the sand at CBSouth, 😇)—life has caught up with us, and we’re now being forced into "wisdom" and leaving our carefree days behind.
So, I’m looking for the best compromise for a 2-month health insurance plan.
I’ve read the discussions on this topic, but the most recent one is from last year, and I’d love your take on the current situation.
I’m familiar with the usual options like Europ Assistance and AXA, but I’ve just discovered Chapka and Heymondo (the latter seems interesting in terms of both price and coverage).
What do you think of these last two? How do they compare in terms of value for money against the bigger companies?
Hi,
We’ve planned a 3-week trip to Bali this summer with our 7-year-old daughter. The itinerary includes Sanur, Nusa Lembongan, Sidemen, Amed, and Ubud. The more time passes, the more we read about people getting sick—some with mild to severe traveler’s diarrhea, and many ending up in the hospital. We, as parents, have been through it in Egypt with pretty bad cases, but we’d really like to avoid that for our daughter. Even though there’s no zero risk, and we’ll be careful, can any of you reassure me? Not everyone got sick, right? I’d love to hear positive feedback from parents, but not just them 😊. Thanks in advance!
Hi there...
I’m traveling with a friend for a month in November.
We booked our round-trip tickets from Paris to Phnom Penh, and yes, I know—it was a mistake. We should’ve flown out of Laos, but here we are.
But is it doable to backpack through both countries in a relaxed way?
I’ve seen that the transport takes a while...
Thanks so much for your replies.
Hi there,
I’ve started looking into getting dental implants, possibly in Costa Rica or Mexico.
Do you have any clinics to recommend or ones I should avoid?
For the next steps, I need to choose between Cuba Medika or Medigo—these are agencies that help with medical procedures. Do you have any info on either of them?
Hi everyone, a question for those who’ve been lucky enough to visit Raja Ampat—should you consider preventive malaria treatment given its proximity to Papua? And how was the food hygiene situation?
Thanks for your feedback! !
For several years now, increased aggression has been observed in Cape fur seals.
At least 70 unprovoked attacks on humans.
It was recently confirmed that this is due to rabies.
The suspected origin is contamination in Namibia by jackals.
The contagion seems to be spreading.
Preventive vaccination (of the animals) is being considered.
Just a reminder:
Rabies affects all mammals.
Once symptoms appear—sometimes weeks or even months later—death is inevitable.
It’s the bite that transmits the disease.
There are so-called "furious" forms with aggression, but also forms without aggression.
In case of a bite, in addition to standard wound care, tetanus prevention… rabies prevention is essential.
Stay careful out there…
Seeing seals from a boat along the coast isn’t rare in these parts…
I need 2 dental implants and I'd like to get them done abroad (it's a question of price).
Thanks for helping me with my search (Turkey, Spain, Romania???)
Can you tell me if you're satisfied with the services provided by Dentist Miguel at Club Amigo in Holguin? I'd like to go there in mid-December. Is it worth the trip to get dental prosthetics done?
Thanks for getting back to me... Michelle from Quebec
Hello,
I’m looking for a dentist who can do a full lower-arch implant with a complete prosthesis. I’m in Quebec and available to travel to Cuba. Need full contact details. Thanks everyone!
My current plan is to get my teeth treated in Cuba, especially for dental implants.
Has anyone here had experience and could refer me to a good, affordable dentist?
I’d really appreciate it if you could give me an idea of the price for one implant, since I need at least 6 done.
Thanks so much!