Health Insurance Long stay visa to get marry French citizen

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Health Insurance Long stay visa to get marry French citizen


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Old 21st April 2011, 01:09 PM
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Question Health Insurance/Long stay visa/marry French citizen

Oops, pardon the typo in my thread title. It should have said "Health Insurance Long stay visa to get married French citizen" but I haven't found where to edit the thread title.

Anyway, I am soon applying for a Long stay visa to get married to a French citizen and reside in France. Part of the application requires health insurance covering my stay in France (for the first 3 months of my stay in France.)

I have corresponded with my Consulate and was informed that 30,000 Euros is the minimum amount of coverage requested. (Note: I have realized as many of you likely already know that each Consulate has a different list of requirements for the application process. This is merely one of the requirements shared by the Consulat in Chicago.)

I obtained what I believed was health insurance that would cover my stay in France through my fiance's personal insurance company. I forwarded the information from it to the Consulat's office to inquire if it was sufficient for the requirement on the application and learned that it did not cover medical emergencies and repatriation.

Can any of you suggest any companies that offer the type of health insurance that would meet the requirements for the type needed for my Long stay visa application?

I noticed in searching in the forums that AARO is one company mentioned that might be a possibility for me. (Thanks to bevdeforges for your posts.) Can anyone verify if this company may offer the type of health insurance I seek?

Also, is anyone else applying for (or has recently applied for) this same type of long stay visa to get married to a French citizen and reside in France, particularly anyone who has applied for this in Chicago?

I also have some questions about meeting the requirements for finances, that is justification of my personal income, but I will save that for another post.


Last edited by le_mew; 21st April 2011 at 01:24 PM. Reason: typo
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Old 21st April 2011, 04:01 PM
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AARO isn't an insurance company, but rather an expat organization that offers group insurance at fairly attractive rates. Check their website to see a description of their offering and get a look at their rate chart: AARO - Association of Americans Resident Overseas

What you're reporting is what others have recently - what you actually need is a travel health policy (i.e. one with repatriation, which would take you back to the US in the event of a serious illness or accident - probably not what you really want, but they seem to require it). That should only be a short-term policy - until you are married, because at that point you can go onto your French spouse's carte vitale and mutuelle coverage, at least until you find a job and get your own coverage through your employment.

I don't think AARO's insurance includes repatriation (though it wouldn't hurt to ask). You can always contact their insurance broker (click on the ad in the lower right corner of the pages dealing with medical insurance) and see what they might be able to offer.
Cheers,
Bev

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Old 21st April 2011, 06:48 PM
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Question Re: Health Insurance for Long Stay Visa App.

Quote:
Originally Posted by Bevdeforges View Post
AARO isn't an insurance company, but rather an expat organization that offers group insurance at fairly attractive rates. Check their website to see a description of their offering and get a look at their rate chart: AARO - Association of Americans Resident Overseas

What you're reporting is what others have recently - what you actually need is a travel health policy (i.e. one with repatriation, which would take you back to the US in the event of a serious illness or accident - probably not what you really want, but they seem to require it). That should only be a short-term policy - until you are married, because at that point you can go onto your French spouse's carte vitale and mutuelle coverage, at least until you find a job and get your own coverage through your employment.

I don't think AARO's insurance includes repatriation (though it wouldn't hurt to ask). You can always contact their insurance broker (click on the ad in the lower right corner of the pages dealing with medical insurance) and see what they might be able to offer.
Cheers,
Bev
Thank you, Bev, for your prompt reply. I have sent an e-mail to the insurance broker you mentioned above and will see what the response is. If for some reason this company does not offer what I require, can anyone recommend other insurance companies who DO offer this? Not sure where to start or which companies to trust off of Google searches.

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Old 3rd May 2011, 05:12 PM
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Question Health insurance companies for long stay visa

Quote:
Originally Posted by Bevdeforges View Post
AARO isn't an insurance company, but rather an expat organization that offers group insurance at fairly attractive rates. Check their website to see a description of their offering and get a look at their rate chart: AARO - Association of Americans Resident Overseas

What you're reporting is what others have recently - what you actually need is a travel health policy (i.e. one with repatriation, which would take you back to the US in the event of a serious illness or accident - probably not what you really want, but they seem to require it). That should only be a short-term policy - until you are married, because at that point you can go onto your French spouse's carte vitale and mutuelle coverage, at least until you find a job and get your own coverage through your employment.

I don't think AARO's insurance includes repatriation (though it wouldn't hurt to ask). You can always contact their insurance broker (click on the ad in the lower right corner of the pages dealing with medical insurance) and see what they might be able to offer.
Cheers,
Bev
Bev, I learned that the insurance through the company connected with AARO does offer the insurance I need (including coverage of medical emergencies and repatriation); however, I must pay for a year's coverage. This is not ideal for me as I only need it to cover my first three months in France.

Does anyone know of other insurance companies that offer this type of insurance covering medical emergencies and repatriation that do not require a full year sign-up and payment of a year's premiums?

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Old 3rd May 2011, 05:21 PM
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Quote:
Originally Posted by le_mew View Post
Bev, I learned that the insurance through the company connected with AARO does offer the insurance I need (including coverage of medical emergencies and repatriation); however, I must pay for a year's coverage. This is not ideal for me as I only need it to cover my first three months in France.

Does anyone know of other insurance companies that offer this type of insurance covering medical emergencies and repatriation that do not require a full year sign-up and payment of a year's premiums?
What you're looking for is actually a travel health policy. If you have American Express in the US, check into their travel health coverage. Or talk to a travel agency and see who they can recommend for travel health cover for 3 months.
Cheers,
Bev

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Old 3rd May 2011, 06:28 PM
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Question needing coverage for at least 3 months; AmEx is 45 days

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Originally Posted by Bevdeforges View Post
What you're looking for is actually a travel health policy. If you have American Express in the US, check into their travel health coverage. Or talk to a travel agency and see who they can recommend for travel health cover for 3 months.
Cheers,
Bev
Thank you for the ideas, Bev. I contacted American Express in the US. I learned that they only do coverage for the first 45 days of travel. Also, in case anyone wants to know, you must also of course have an American Express card (I asked, just in case.) Since I must have coverage for at least the first 3 months of my stay in France, I will look into your next idea of checking with a travel agency.

Meanwhile, if anyone else has applied for this same visa and knows of a health insurance that fits the requirements, please let me know.

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Old 3rd May 2011, 09:31 PM
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Question Travel insurance contingent on round trip airfare

I spoke with a local travel agency and learned that I can obtain travel insurance that aligns with the specifics I mentioned above; however, I must specify dates of departure and return travel and provide a copy of my round trip ticket. The issue with this is that I was planning on purchasing a one-way ticket, as I have no plans or need for a return trip. However, with the amount that this may save me instead of having to purchase travel health insurance premiums for an entire year, it may be worth it.

Still looking into options, so if anyone has some advice or experience to share on this matter it would be appreciated.

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Old 29th June 2011, 02:33 PM
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Quote:
Originally Posted by le_mew View Post
I spoke with a local travel agency and learned that I can obtain travel insurance that aligns with the specifics I mentioned above; however, I must specify dates of departure and return travel and provide a copy of my round trip ticket. The issue with this is that I was planning on purchasing a one-way ticket, as I have no plans or need for a return trip. However, with the amount that this may save me instead of having to purchase travel health insurance premiums for an entire year, it may be worth it.

Still looking into options, so if anyone has some advice or experience to share on this matter it would be appreciated.
In follow up, in case it is helpful for anyone else, I ended up getting travel health insurance through a website I heard about that searches through various insurance company plans to find one that meets your requirements. They have a "Visa" insurance tab and it seemed to meet my insurance needs for travel at what I think is a reasonable price. I did have to enter my airline and trip dates, so I still had to purchase a round-trip ticket prior to purchasing the insurance, but the round trip airfare cost was not too far off from one-way airfare cost, so even if I end up not using the return part of the trip I am not out too much.

I applied for my visa this Monday and anticipate hearing something back (by way of receiving my passport back in the mail) sometime this week or next.

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Old 6th July 2011, 07:42 PM
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Talking Yay!

Update: Just spoke with the Consulate's office by phone. I called as I had not yet received anything in the mail from my appointment last week. She said they are sending out my passport back to me in the mail tomorrow. I asked and the lady said my visa is approved! YAY! YAYYY!

Thank you to those who have posted all the helpful information that has helped me along the way. :-)

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Old 6th July 2011, 10:28 PM
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YAY-RAH!!!! Congratulations. I love hearing about success stories.
Cheers,
Bev

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