Beware, danger! The credit card insurance (even Gold cards) covers you for a maximum of 90 days and offers very limited benefits.

Example: the medical expenses are capped at €150,000 with gold cards with an excess of €75. Cap Working Holiday gives you unlimited cover for medical expenses with no excess.

Also, your medical expenses are not covered from the 1st Euro,so you need to know that you firstly need to send your invoices to the French social security department and then claim your refund from the credit card’s insurance company… might as well say that you will not get a refund for a doctor consultation and that the refund process is long and fastidious.

There are also many exclusions when it comes to practicing sport and search and rescue expenses are excluded.

When it comes to travel insurance, trust a specialist and not your banker. We are experts in the insurance field, but we will not be able to advise you on your home loan. To each their own!