How does my travel insurance work, and how do I use it effectively?

Dear Traveller,

An unexpected event, an accident, or a health issue during your stay abroad?

ACS – Travel & Expat Insurance is here for you, wherever you are in the world.

Click on the name of your travel insurance plan to learn how to make the most of your coverage:

– Globe Traveller
– Globe WHV
– Globe Partner
– Europax
– E, F, ENP
– France Long Stay Cover
– ACS Business Trip
– ARE

Globe Traveller

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500, in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.

Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

If you are or will be hospitalised for more than 24 hours, or if you need assistance: contact our multilingual assistance platform — Mutuaide — immediately. The service is available 24/7.

📞 : 00 33 (0)1 45 16 43 35
📧 : voyage@mutuaide.fr

Important! If you are in Thailand, please contact our dedicated multilingual assistance platform – Euro-Center :

📞 : + 00 66 2569 0117
📧 : acs-travel@euro-center.com

papier juridique

What should I do in case of an issue related to civil liability, my luggage, or legal assistance ?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department. Be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

Globe WHV

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un email

How do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500, in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.

télémédecine

I’m a Working Holiday participant in Canada – can I use telemedecine services ?

With Globe WHV Canada, you have access to telemedicine services. You can consult a general practitioner in writing, by phone, or via video call — 24/7. Teleconsultations are 100% covered by ACS. This service is offered in partnership with MédecinDirect. To learn how the service works, please visit our dedicated page on telemedicine for WHV Canada participants.

Please note that MédecinDirect is not an emergency service. In case of doubt or a medical emergency, please contact your primary care physician or dial the local emergency number. MédecinDirect is designed to support — not replace — in-person medical care, and should be used within the framework of standard medical guidance.

docteur

I’m a Working Holiday participant in Montréal and I need to see a doctor in person

Need to see a doctor, but it’s not an emergency? Book an appointment easily, quickly and for free with the Doctr app!

Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

If you are or will be hospitalised for more than 24 hours, or if you need assistance: contact our multilingual assistance platform — Mutuaide — immediately. The service is available 24/7.

For Working Holiday participant in Canada:

📞 : 00 33 (0)1 55 98 71 73
📧 : voyage@mutuaide.fr

For Working Holiday participant in others countries:

📞 : 00 33 (0)1 55 98 71 30
📧 :  voyage@mutuaide.fr

papier juridique

What should I do in case of an issue related to civil liability, my luggage, or legal assistance ?

You should follow the instructions provided in the Information Booklet of your Globe WHV/EIC Canada policy OR the Information Booklet of your Globe WHV (rest of the world) policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department. Be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your Globe WHV/EIC Canada policy or your Information Booklet of your Globe WHV (rest of the world) policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

Globe Partner

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500 and in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.

Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

If you are or will be hospitalised for more than 24 hours, or if you need assistance: contact our multilingual assistance platform — Vyv International Assistance — immediately. The service is available 24/7.

📞 : 00 33 (0)5 86 85 00 50
📧 : ops@vyv-ia.com

papier juridique

What should I do in case of an issue related to civil liability, my luggage, or legal assistance ?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

Europax

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500 and in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.

Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

If you are or will be hospitalised for more than 24 hours, or if you need assistance: contact our multilingual assistance platform — Vyv International Assistance — immediately. The service is available 24/7.

📞 : 00 33 (0)5 86 85 00 50
📧 : ops@vyv-ia.com

papier juridique

What should I do in case of personal liability issue?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

E, F, ENP

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

All reimbursement requests must be submitted with the appropriate form and sent by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500 and in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.

Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

In case of hospitalisation lasting more than 24 hours, or if you require assistance, contact our Medical Service without delay. Available Monday to Friday, 9:30 AM to 5:30 PM (except public holidays).

📞 : 00 33 (0) 1 40 47 91 00
📧 : servicemedical@acs-ami.com

If you are hospitalised, undergo surgery, or receive medical treatment, it is essential to have a medical certificate completed by your doctor. Once filled out, this document must be sent to us so that our medical advisor can assess coverage according to the terms of your policy.

papier juridique

What should I do in case of personal liability issue?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

France Long Stay Cover

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500 and in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the claims department may request additional information or documents to finalise the review of your request.
Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

In case of hospitalisation lasting more than 24 hours, or if you require assistance, contact our Medical Service without delay. Available Monday to Friday, 9:30 AM to 5:30 PM (except public holidays).

📞 : 00 33 (0) 1 40 47 91 00
📧 : servicemedical@acs-ami.com

Outside of these hours, please contact:

📞 : 00 33 (0)1 55 98 51 70
📧 : voyage@mutuaide.fr

If you are hospitalised, undergo surgery, or receive medical treatment, it is essential to have a medical certificate completed by your doctor. Once filled out, this document must be sent to us so that our medical advisor can assess coverage according to the terms of your policy.

papier juridique

What should I do in case of personal liability issue or legal assistance?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

ACS Business Trip

logo diagnostiquer

What to do in case of illness or accident?

If you don’t need to be hospitalised but simply need to see a doctor, get an X-ray, or undergo medical tests: feel free to consult the healthcare provider of your choice or visit any medical facility you prefer. You’ll need to pay the costs upfront, then submit a reimbursement request to us along with the necessary supporting documents.

Envoyer un emailHow do I submit my reimbursement request?

> For reimbursement requests under €500, please submit them online via our secure platform.

> For reimbursement requests over €500 with a digital invoice, please also submit them online via our secure platform:

👉 In this case, be sure to include proof that you received the invoice in digital format (e.g., delivery receipt, screenshot, submission confirmation), and indicate the channel through which it was received.

> For reimbursement requests over €500 with a physical, non-digital invoice, please complete the dedicated form and send all required documents by post to the following address:

ACS
Medical Service – To the attention of the Medical Advisor
153, rue de l’Université, 75007 Paris – France

👉 Please note that we require the original paid invoice, so be sure to make a copy before sending it to us.

The more complete your file is when submitted, the faster it can be processed. In general, the main supporting documents to include are:

– The original paid invoice in your name, if over €500 and in paper format (not electronic),
– A copy of any prescriptions,
– A medical report or summary (any document indicating the diagnosis),
– A copy of your passport: identification page + entry stamp.

However, in some cases, the Claims Department may request additional information or documents to finalise the review of your request.
Lit d'hôpital

What sould I do if I’m hospitalised for more than 24 hours or need assistance ?

If you are or will be hospitalised for more than 24 hours, or if you need assistance: contact our multilingual assistance platform — Vyv International Assistance — immediately. The service is available 24/7.

📞 : 00 33 (0)5 86 85 00 50
📧 : ops@vyv-ia.com

papier juridique

What should I do in case of an issue related to civil liability, my luggage, or legal assistance ?

You should follow the instructions provided in the Information Booklet of your policy. Please note that these benefits apply exclusively to ACS Business Trips Pack A and do not apply to Pack B.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, ect)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet your ACS Business Trips Pack A policy or your Information Booklet of your ACS Business Trips policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time), to respond to you as quickly as possible:

– For medical inquiries and medical expense reimbursements: servicemedical@acs-ami.com
– For claims related to non-medical incidents: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

ARE

assistance téléphoniqueWhat sould I do if I need assistance ?

If you need repatriation assistance, please contact our multilingual assistance platform – Vyv International Assistance – available 24/7

📞 : 00 33 (0)5 86 85 00 50
📧 : ops@vyv-ia.com

papier juridique

What should I do in case of an issue related to civil liability ?

You should follow the instructions provided in the Information Booklet of your policy.

If you have any questions about any of these coverages or about a claim, you can contact our Claims Department and be sure to include:

– Your personal information (full name, etc.)
– Your insurance certificate number
– A detailed explanation of your situation

Homme qui réfléchit à une question

I still have questions about what is covered, what isn’t, or the procedures to follow in case of an incident?

When you subscribed, you received your insurance certificate and the Information Booklet of your policy by email. These documents contain all the information you need to fully understand your insurance coverage. Please take the time to carefully read the general terms and conditions of your contract, especially the sections covering insured guarantees, exclusions, deductibles, and the claims process. This will help you understand in which situations you are covered and how to proceed in case of a claim.

Still have a question? Our entire team is at your disposal from Monday to Friday (except public holidays), 9 a.m. to 5:30 p.m. (Paris time):

– For any claims relating to an incident: servicesinitres@acs-ami.com
– For questions about your policy or new subscriptions: serviceclient@acs-ami.com

ACS

40 years of experience and more than 200 000 clients all over the world.

With a dedicated team of approximately 50 professionals of multiple nationalities, ACS stands proudly at the forefront of international mobility insurance brokerage. Our 40-year legacy of expertise has earned the trust of over 200,000 clients worldwide.

Our address

ACS – Travel & Expatriate Insurance Solutions
Insurance brokerage company
153, rue de l’Université, 75007 PARIS, FRANCE
Phone number : +33 (0)1 40 47 91 00
N° ORIAS 07 000 350 – Website ORIAS : www.orias.fr

Email :