Yes, absolutely. Travel insurance covering a minimum of €30,000 in medical expenses is mandatory for any Schengen visa application. All consulates (French, German, Spanish, Italian…) require it. Without this document, your visa application will be rejected.

The minimum required amount is €30,000 in medical coverage. However, AssurVoyage recommends choosing a plan covering €100,000 or more for better real-world protection, especially in countries with high healthcare costs (Switzerland, Germany, Norway).

Generally no. Bank card coverage is usually rejected by most consulates because it does not provide an official attestation with required details (coverage amount, dates, countries). Only a dedicated travel insurance certificate from an approved insurer is accepted.

Yes. You must subscribe before submitting your visa application to include the insurance certificate in your file. With AssurVoyage, you can subscribe online and receive your certificate immediately by email.

Yes. The insurance must cover the entire Schengen Area (26 countries), even if you only plan to visit one. This is a consulate requirement and AssurVoyage policies automatically include all Schengen countries.

Yes, this is even recommended. You can subscribe for a duration longer than your trip to account for possible delays or extensions. The premium slightly increases but provides complete peace of mind.

Subscription is 100% online: fill out the quote form with your destination, travel dates and number of travelers, choose your plan, and pay securely. You receive your insurance certificate immediately by email, ready to submit with your visa application.

Your certificate is sent instantly after payment by email. You can print it or present it digitally to the consulate. There is no waiting period.

Yes. AssurVoyage works with ACAPS-approved insurers. Our certificates are accepted by all Schengen consulates in Morocco (French, Spanish, German, Italian, Dutch embassies…).

Modifications are possible before the start date of coverage (destination change, date extension). Contact our team within 24 hours. After the coverage start date, certain modifications may be limited.

Yes. You can subscribe for up to 9 travelers in a single policy. This is ideal for families or groups of friends. Each traveler gets their own individual certificate with their details.

Depending on the chosen plan, AssurVoyage insurance covers:

• Medical expenses abroad (emergency care, hospitalization)
• Medical repatriation (return to Morocco if needed)
• Trip cancellation (serious illness, death of a relative…)
• Baggage loss or theft
• Travel delay (compensation)
• 24/7 assistance

Standard plans exclude pre-existing conditions. However, some premium plans cover medical emergencies related to a pre-existing condition if the condition was stable before departure. We recommend declaring your health situation when subscribing.

Yes, our Comfort and Premium plans include COVID-19 coverage: medical expenses in case of infection abroad, quarantine costs, and trip cancellation if you test positive before departure.

• Schengen: Specifically designed for Schengen visas (Europe, 26 countries)
• Worldwide: Covers all destinations outside Morocco (USA, Canada, Asia, Gulf…)
• Student: Long-term coverage (6–12 months) for Moroccan students studying abroad

Yes, emergency dental care (acute pain, dental accident) is included in our Comfort and Premium plans. Cosmetic or scheduled dental treatment is not covered.

Prices depend on destination, duration and age. As a guide:

• Schengen (7 days): from 150 MAD
• Schengen (30 days): from 350 MAD
• Worldwide (30 days): from 500 MAD
• Student (1 year): from 1,200 MAD

Use our free quote tool for an exact price.

Yes, the premium is higher for travelers over 60, and again for those over 70. Some plans have an age limit of 75 years. We recommend checking plan conditions for seniors before subscribing.

Payment is in Moroccan Dirhams (MAD), via secure online payment. Coverage amounts are however expressed in Euros (€) or US Dollars ($) depending on the plan, to guarantee effective coverage abroad.

Some plans include a deductible (portion of expenses at your cost). Our Premium plan has zero deductible on medical expenses. The deductible amount is clearly indicated in the policy terms before subscription.

To file a claim: 1) Contact our 24/7 assistance hotline as soon as possible. 2) Keep all original receipts and medical reports. 3) Submit your reimbursement request with supporting documents within 30 days of your return.

Reimbursement is processed within 15 to 30 working days after receiving your complete file. For urgent cases requiring advance payment abroad, our assistance service can intervene directly with the hospital.

Required documents typically include:

• Original medical receipts and prescriptions
• Medical report (diagnosis in writing)
• Proof of travel (boarding passes, passport stamps)
• Completed claim form (provided by our team)
• Bank account details for transfer

Cancellation is possible before the coverage start date with full refund. Once coverage begins, refund conditions vary. If your visa is refused, a full refund is guaranteed upon presentation of the refusal letter.

Reimbursement is made in Moroccan Dirhams (MAD), equivalent to the covered amount converted at the official exchange rate of the claim date. For direct payments to hospitals abroad, payment can be made directly in local currency.

Yes. Children can be insured from birth. Children under 3 traveling with insured parents are often covered for free in family plans. Check the specific conditions of each plan when subscribing.

Yes, with conditions. Pregnancy complications are generally covered up to 28 weeks. Beyond that, cover is limited. We strongly recommend checking plan conditions and consulting your doctor before traveling during pregnancy.

Yes, our Student plan is specifically designed for Moroccan students abroad (France, Canada, Spain, Germany…). It covers the entire academic year (6 to 12 months), meets university and consulate requirements, and includes mental health support.

We offer plans adapted for seniors up to 75 years old. Premiums are higher for this age group, and some exclusions apply for pre-existing conditions. We recommend our Premium plan for optimal coverage without surprises.

Yes. Moroccans with dual nationality (Franco-Moroccan, Italo-Moroccan…) can subscribe to AssurVoyage insurance. The policy is linked to your Moroccan identity and protects you regardless of which passport you use to travel.

1) Call our 24/7 emergency hotline immediately (number on your certificate). 2) Give them your policy number and describe the situation. 3) They coordinate with local services and can directly guarantee payment to the hospital. 4) Keep all original documents for reimbursement.

Medical repatriation is the organized return to Morocco in case of serious illness or accident abroad. It applies when local care is insufficient or when your health condition requires treatment in Morocco. Costs (medical transport, escort…) are covered by the plan.

Yes. In case of death abroad, our insurance covers repatriation of remains to Morocco, funeral and administrative expenses. A dedicated team supports the family throughout these difficult procedures.

Our assistance service can help you contact the Moroccan consulate nearest to you to obtain emergency travel documents. Some Premium plans also cover costs related to document replacement (administrative fees, emergency photos…).

Yes, our Premium plan includes legal assistance abroad: legal advice, assistance in case of accident with a third party, bail coverage in some countries, and repatriation in case of legal dispute requiring your return to Morocco.