Established in 2004 by three experts in travel and expatriate insurance, each with significant experience at Europ Assistance, Assur Travel is a brokerage firm specializing in international mobility. Today, they provide insurance coverage for nearly 30,000 expatriates or students abroad and serve around 300,000 travelers annually. Unlike older players in the industry, their primary focus is on individuals rather than large corporations.
The foundation of their growth lies in high-quality, personalized management. Operating with a human touch, they ensure that each policyholder can directly reach out to a dedicated manager. With a team of 19 bilingual or trilingual managers, assisted by two medical professionals, they handle cases while emphasizing the quality of customer relations and attentive service.
Launch Year | 2004 |
CFE Approved | Yes |
Number of Plans Compared | 44 |
Hospital Direct Billing | Worldwide |
Management Centers | Lille (France) |
Expat Policy Insurer | L'Equité-Generali, Swisslife, Gan |
Evacuation Assistance | Vyv IA, Mutuaide |
Applicable Law | French |
In pursuit of securing and maintaining the best rates, Assur Travel negotiates its expatriate health insurance solutions with three different insurers. These contracts operate as a 1st euro option or as a secondment regime.
The insurance offerings feature three levels of coverage, each available in versions with and without optical-dental-maternity coverage. Various deductible options are provided to significantly reduce the premium. Clients particularly value the high-quality management services.
Available options include : repatriation assistance, civil liability coverage, death/disability benefits, and daily allowances (depending on the specific contracts).
Coeff. | Score | |
Underwriting process | 10% | 8.5/10 |
Waiting periods | 5% | 4/5 |
Timeliness of reimbursements | 20% | 17/20 |
Claims management | 10% | 9.5/10 |
Rate increase | 20% | 17/20 |
Contractual and legal security | 20% | 18/20 |
Exclusions | 10% | 9/10 |
Contract flexibility | 5% | 4/5 |
OVERALL SCORE | 87/100 |
Professional and responsive
Dominique on 09/08/2022
My membership is recent to allow me to make judgments.but as for the follow-upProfessional, responsive to the slightest questions
In addition CFE
Mathilde on 03/11/2022
I did not call my insurance for the past months but I think I have a good insurance
How to do everything to never pay anything back!
Bertrand on 06/14/2021
The insurer responds very quickly by email, processes the claims quickly, and the procedures can be done by email which is very convenient. Positive points concerning the customer service. However, I am less satisfied with the quality of the care insurance. My contract is entitled to the 1st Euro, which is a commercial lie. First of all, there is a deductible of 300 Euros before you can be reimbursed (the contract should therefore be called at the first 300 Euros, not the first Euro), and in the reimbursement of consultation costs it only reimburses 90%, making it even longer to reach the 300 Euros. When I wanted to register my pregnant wife on my insurance, the waiting period is 10 months (gestation time of a human being is 9 months, I think!), so the insurer is clearly not interesting. In short, the quality of service is very good to try to hide the fact that the insurer will anyway do everything to not reimburse anything.
Mobile application
Paco on 04/30/2021
The mobile application is old and not very functional. Impossible to use it without a reminder by e-mail. The shipments on the application are not processed. No way to see the progress of our request on the application. The indigo expat application is perfect but the assur Travel application is totally useless.
reimbursements
Olivier LYSKAWA on 04/06/2021
The reimbursements for standard consultations have always gone well. However, when I dislocated my shoulder in October 2020, it took several email exchanges to be reimbursed for the emergency room procedure.
Professional, attentive, good advice
Dimitri on 03/29/2021
So far everything has gone well, the insurer has guided me well when choosing the right formula. Very professional and good knowledge of the field. Answers to all questions. I recommend!
Satisfied
Jessica on 03/29/2021
An insurer who listens to my needs, and a search for the best prices corresponding to my expectations. Easy and fast reimbursement. No problem for several years.
Olivier on 03/27/2021
I would like to thank Mr. Raphaël REITER for his very professional services.
Nicolas Gatinot on 03/25/2021
Hassen was able to identify my needs and accompanied me perfectly in all the steps. I will not fail to recommend you or to call upon your services again.
Good insurance 2 years ago but the efficiency has decreased
Jessé on 03/24/2021
The covers given by the insurer are respected. An application exists to make the claims. This makes the process easier. However, the application could be improved in terms of speed, tracking of ongoing claims and reliability. 2 years ago claims were processed in a few days. Now it can take a few weeks and I even have to restart my applications by myself in order to make sure of the refund.
way of communicating
jean-bernard on 03/19/2021
sometimes you don't know how to reach someone more efficiently...by email, by whatsap...?
Insured with GAN
frank on 03/17/2021
Insured for 2 years, I am very satisfied with my insurance and my broker Jihan who is very reactive.no problem to declare so far.
CFE + GAN by Assur Travel
Veronique on 03/16/2021
International Santé (Jihane IDOUAHMANE) has been listening to my needs from the beginning and has advised me very well. Franco-Swiss, I started in Morocco with Assur Travel (GAN at the 1st Euro then CFE+GAN with the Comfort formula, all managed by GAPIgestion). I am currently in Portugal with the same formula and the transfer was done without any problem. GAPIgestion is also very reactive and has always answered my questions and the reimbursements are done in less than 1 week. After 2 years I am fully satisfied with the services of CFE+GAN and the follow-up of the International Santé team (Jihane and Melanie).
Good, but can do better
Guillaume on 03/11/2021
Application a little bit useless, which could be much more ergonomic and could allow to really make a follow-up of the requests and refunds (today, is only used to take a picture and send the image by email...having to send the email directly)
A few things could make a big step for the 5*.
Estellebol on 02/25/2021
I am globally satisfied with the contract, however: -the premium surcharge is quite easy with this insurer -I have to scan all the documents and make the requests to the CFE while many other insurers have a "direct billing" system in almost all hospitals and nursing homes.
Many receipts
MIREILLE on 02/19/2021
I am insured with GAPI at the 1st euro, it is difficult to give an opinion because I have only used their service once, I was reimbursed in full but after having provided numerous supporting documents, but I had just become insured so it was perhaps part of their procedure for controlling new members.
Mixed opinion
Solenn on 02/19/2021
Combo CFE + Gapi not the most satisfactory because: ->Random reimbursement time. ->Communication with CFE is complicated (by post!) which slows down the procedures when requesting a prior agreement for example. ->No direct billing possible in Shanghai->Despite a subscription to the best option, Gapi is fussy about the coverage, necessary to discuss In short, we want to change health insurance.
Transparency and app
LaurentT on 02/18/2021
I just have questions about tracking my reimbursements. I would like to have a summary of what I have submitted and what is approved. The application for submitting care sheets is not well-designed. Sometimes you get an acknowledgement per piece, sometimes you don't...not clear enough.
Curtis on 02/18/2021
An insurance that meets the needs with a very efficient and friendly team of intermediaries.
Jordan
Fabienne on 02/18/2021
Very good relationship with my insurer: speed and efficiency
Gapi Experience - Assur travel
DFr on 02/12/2021
I have been under contract for almost 2 yearsVery good reactivity for reimbursementsEfficiency to solve any problem that could arise both remotely and with the CFEI highly recommend the advice (when subscribing to the contract) and the services offeredWhat's more, the professionalism of the various correspondents should be highlighted
Good
Christian on 02/11/2021
Fast refund as soon as the invoices are approved.
Very good service
geraud on 02/10/2021
Very good service. Fast and reliable reimbursements.
Very pleased with the service
Emmanuel on 02/06/2021
International Health's assistance in helping me choose the right policy was invaluable.
Excellence
Nathalie on 02/03/2021
FastEffectiveProfessional
Quick contact and reimbursement.
Lucie on 02/03/2021
Intuitive system, easy to fill out, simple to send via the application or even by email. The insurance company is very reactive when it comes to contacts and reimbursements, I am very happy and I highly recommend it.
No worries .... so perfect for an insurance !
Marc on 01/27/2021
Not having an important file my case is easy. Nevertheless I am extremely satisfied with the follow-up and the precise answers given to each of my (few) requests.
Excellent! on 28/02/2019
Lisa on 02/28/2019
Great satisfaction on 07/11/2018
Lytamson on 11/07/2018
A useful help on 27/03/2018
Romeo on 03/27/2018
Nothing special to say.
Optimum advice on 25/04/2017
Audrey40 on 04/25/2017
Quality-price ratio one of the best on the market
Long term travel insurance on 08/11/2016
Catherine on 11/08/2016
Everything was satisfactory
Nothing to say on 27/06/2016
Ro on 06/27/2016
Contract in my budget, with the required covers, no worries to declare.
Very good service the 10/06/2016
LeslieMP on 06/10/2016
The rates are affordable and there is a wide choice of insurance.
Competent and efficient on 19/05/2016
Nathalie on 05/19/2016
Efficient management of the enrollment file. I hope the same will be true for the benefits when they are implemented.
Efficient on 03/05/2016
Ste on 05/03/2016
Excellent reactivity. Very good advice. on 05/04/2016
NS-GS on 04/05/2016
Simplified membership due to the possibility of sending the application by e-mail. The response to the application is very fast: on Monday for a file sent on Saturday. As for the management, too early to say.
Excellent advice and services on 04/04/2016
Cyril on 04/04/2016
Gapi Gestion: interesting guarantees and services. Website to be improved, not intuitive enough.
Insurance sant? expatri? - singapore (sg) by Marine B on 17/03/2016
Marine on 03/17/2016
big mistake on the price on 04/01/16 - resolved on 15/01/16
Cedric on 01/04/2016
Health insurance on 09/11/2015
Catherine on 11/09/2015
I had to call Hassen to solve a problem at the beginning of the contract because nobody at asfe wanted to discuss. I have just filed a complaint because they do not intend to reimburse the cost of ultrasound for my son because I did not ask for a prior agreement. Ultrasound of the kidneys to be made urgently following a urinary infection and I underline that my son was 7 months old and 41 of fever. So no I was not going to wait 10 days to get a prior agreement...
burundi (bi) by exbu on 29/06/2015
exbu on 06/29/2015
The online payment system does not workNo response to emailsFatiguing
A complete and detailed offer on 24/06/2015
Alban on 06/24/2015
Hassen, a conscientious advisor on 29/04/2015
Marie on 04/29/2015
Thank you for the efficiency on 29/12/2014
Amélie on 12/29/2014
Very easy to join and documents immediately available. Very competitive rates and complete brochure.
Thank you! on 17/11/2014
geoffrey B on 11/17/2014
Health insurance
JMC on 10/20/2014
Good
A good service that allows to save money the 18/08/2014
Phifi on 08/18/2014
Good reaction following a good tropical fever as we like them here.