{"id":458027,"date":"2026-05-26T16:27:32","date_gmt":"2026-05-26T14:27:32","guid":{"rendered":"https:\/\/pvtistes.net\/en\/?p=458027"},"modified":"2026-05-29T10:38:25","modified_gmt":"2026-05-29T08:38:25","slug":"france-whv-insurance-requirement","status":"publish","type":"post","link":"https:\/\/pvtistes.net\/en\/france-whv-insurance-requirement\/","title":{"rendered":"France Working Holiday Visa: the Insurance Requirement Explained"},"content":{"rendered":"<p>If you\u2019re applying for a <a href=\"https:\/\/pvtistes.net\/le-pvt\/france\/\" rel=\"noopener\" target=\"_blank\">Working Holiday Visa (visa Vacances-Travail) to France<\/a>, you might be wondering about the health insurance requirement and how to satisfy it. <\/p>\n<p>This requirement is very important because if you don\u2019t get the right insurance, your application could be rejected. <\/p>\n<p>This article will explain everything you need to know. <\/p>\n<p><a href=\"#qc\">If you are from Quebec<\/a>, make sure to read to the very end. <\/p>\n\n\t\t\t<div class=\"c-dossier-article__info\">\n\t\t\t\t<div class=\"c-dossier-article__info-wrap\">\n\t\t\n\t\t\t\t\t<div>\n\t\t\t\t\t\tAlso read:<br \/>\n<a href=\"https:\/\/pvtistes.net\/en\/dossiers\/working-holiday-visa-in-france-for-canadians\/\" rel=\"noopener\" target=\"_blank\">France Working Holiday Visa application for Canadians<\/a><br \/>\n<a href=\"https:\/\/pvtistes.net\/en\/dossiers\/france-whv-application-all-nationalities\/\" rel=\"noopener\" target=\"_blank\">France Working Holiday Visa application (for all nationalities)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n<h2>The requirement \u2013 all nationalities <\/h2>\n<p>Applicants of all nationalities (including residents of Quebec) must present proof that they will be covered for the following for the entire duration of their working holiday in France:<\/p>\n<ul>\n<li>Medical expenses <\/li>\n<li>Hospitalization<\/li>\n<li>Repatriation<\/li>\n<\/ul>\n<p>This is because as a Working Holiday Visa holder, you are not eligible for French health care. <\/p>\n<p>Proof of coverage must be included as a part of your visa application, which means you need to purchase insurance before receiving your visa. <\/p>\n<p>You can easily fulfill this requirement by taking out a private insurance that covers the above items. We\u2019ve been recommending <a href=\"https:\/\/pvtistes.net\/en\/whv-insurance\/\">Globe WHV<\/a> by ACS since 2005. They meet France\u2019s requirements for the Working Holiday Visa and have covered thousands of working holiday makers over the years. <\/p>\n\n\t\t<div class=\"c-dossier-article__accordion\">\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tWhat if my application gets denied?\n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tFrench authorities require you to present proof of insurance as a part of your visa application. So you must purchase insurance for the intended duration of your stay even before obtaining your visa.<\/p>\n<p>In case of visa denial, you can try to request a refund from your insurance provider. Refund policies vary from insurer to insurer. <a href=\"https:\/\/pvtistes.net\/en\/whv-insurance\/\">Globe WHV<\/a> is an insurance that can reimburse you in case of visa denial. \n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tWhat should the dates of my insurance coverage be? \n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tThe start date of your insurance should match the desired date of arrival in France that you indicate in your visa application. The coverage should last for 12 months from the starting date, even if your intended stay is shorter than that. <\/p>\n<p>For example, if you indicate January 1 as your planned date of arrival in France, then your insurance coverage should begin on January 1 as well.\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tCan I be reimbursed if I decide to end my working holiday early?\n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tRefund policies for early returns also vary from insurer to insurer. For the greatest flexibility, choose one that offers this kind of refund. <\/p>\n<p><a href=\"https:\/\/pvtistes.net\/en\/whv-insurance\/\">Globe WHV<\/a> is an insurer that can reimburse you for unused months of coverage, as long as there are at least 2 months left (minus a \u20ac30 administrative fee). \n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t<\/div>\n\t\t\n<h2 id=\"qc\">Specifications for residents of Quebec, Canada<\/h2>\n<p>Like we explained above, residents of Quebec too must be covered for <\/p>\n<ul>\n<li>Medical expenses <\/li>\n<li>Hospitalization<\/li>\n<li>Repatriation<\/li>\n<\/ul>\n<p>However, unlike other applicants, you have <strong>two ways<\/strong> to prove your coverage:<\/p>\n<ol>\n<li>Comprehensive working holiday insurance (such as <a href=\"https:\/\/pvtistes.net\/en\/whv-insurance\/\">Globe WHV<\/a> by ACS) OR<\/li>\n<li><a href=\"https:\/\/pvtistes.net\/obtenir-attestation-de-la-ramq\/\" rel=\"noopener\" target=\"_blank\">RAMQ ann\u00e9e septennale<\/a> + <a href=\"https:\/\/pvtistes.net\/en\/repatriation-and-personal-liability-insurance\/\" rel=\"noopener\" target=\"_blank\">repatriation insurance<\/a><\/li>\n<\/ol>\n<p><strong>Option 2<\/strong> is possible for Quebec residents because every seven years, Quebec residents are permitted to spend up to one year abroad (<a href=\"https:\/\/www.ramq.gouv.qc.ca\/fr\/citoyens\/absence-quebec\/exceptions-regle-presence\" rel=\"noopener\" target=\"_blank\">ann\u00e9e septennale<\/a>) while maintaining RAMQ coverage for medical expenses incurred abroad. And since the RAMQ covers medical expenses and hospitalization but NOT repatriation, you would be required to purchase just repatriation insurance (see <a href=\"https:\/\/pvtistes.net\/en\/repatriation-and-personal-liability-insurance\/\" rel=\"noopener\" target=\"_blank\">ACS repatriation insurance<\/a>). <\/p>\n<ul>\n<li>Medical expenses &#8211; covered by the RAMQ<\/li>\n<li>Hospitalization &#8211; covered by the RAMQ <\/li>\n<li>Repatriation &#8211; <strong>NOT<\/strong> covered by the RAMQ <\/li>\n<\/ul>\n<p>Repatriation insurance is cheaper than comprehensive private insurance, so option 2 can help you to save some money.<\/p>\n\n\t\t\t<div class=\"c-dossier-article__info\">\n\t\t\t\t<div class=\"c-dossier-article__info-wrap\">\n\t\t\n\t\t\t\t\t<div>\n\t\t\t\t\t\tTo learn how to request the ann\u00e9e septennale from the RAMQ, read <a href=\"https:\/\/pvtistes.net\/obtenir-attestation-de-la-ramq\/\" rel=\"noopener\" target=\"_blank\">Comment obtenir l&#8217;attestation de la RAMQ ?<\/a>.\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n<h3>Our recommendation for Quebec readers<\/h3>\n<p>While it is possible to save money by going with option 2, in reality most Working Holiday Visa holders from Quebec still opt for comprehensive working holiday insurance. This is because:<\/p>\n<ul>\n<li>There is less likely to be coverage gaps with comprehensive insurance. Coverage gaps can lead to visa denial.<\/li>\n<li>The RAMQ\u2019s claims processing times can be longer than that of private insurers.<\/li>\n<\/ul>\n<p>For these reasons, our recommendation, as former working holiday makers ourselves, is to go with <strong>option 1<\/strong> (comprehensive working holiday insurance) for greater peace of mind. <\/p>\n\n\t\t<div class=\"c-dossier-article__accordion\">\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tWhat if I already used my ann\u00e9e septennale?\n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tIf you already used your ann\u00e9e septennale by living abroad within the last seven years, then it is not possible for your to get just repatriation insurance in lieu of comprehensive working holiday insurance. <\/p>\n<p>You will need to obtain comprehensive coverage like everyone else to be covered for medical expenses, hospitalization, and repatriation. \n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tIf I get comprehensive insurance, do I still need a RAMQ attestation?\n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tThough this specific case is not specified by the French government, you should still provide the <a href=\"https:\/\/pvtistes.net\/obtenir-attestation-de-la-ramq\/\" rel=\"noopener\" target=\"_blank\">RAMQ attestation<\/a>. In any case, it is always safer to proactively inform the RAMQ of extended absences from the province. \n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t\t<!--ACCORDION-->\n\t\t\t<div class=\"c-accordion js-accordion-wrapper c-faq-block\">\n\n\t\t\t\t<!--accordion trigger-->\n\t\t\t\t<a href=\"#\" class=\"c-accordion__trigger js-accordion-trigger c-faq-block__trigger u-m-a1 u-fw-600\">\n\t\t\t\t\tAre working holiday makers from Quebec eligible for French health care?\n\t\t\t\t\t<!--accordion trigger icon open-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--open\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon open-->\n\t\t\t\t\t<!--accordion trigger icon closed-->\n\t\t\t\t\t<div class=\"c-faq-block__trigger-icon c-faq-block__trigger-icon--closed\">\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\">\n  <path d=\"M10 13.0625L5 8.0625L6.0625 7L10 10.9375L13.9375 7L15 8.0625L10 13.0625Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<!--end accordion trigger icon closed-->\n\t\t\t\t<\/a>\n\t\t\t\t<!--end accordion trigger-->\n\n\t\t\t\t<!--accordion content-->\n\t\t\t\t<div class=\"c-accordion__content js-accordion-content c-faq-block__content\">\n\t\t\t\t\t<div class=\"o-sub-content\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\tNo. Like any other Working Holiday Visa holder, those from Quebec are not eligible for French health care.\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<!--end accordion content-->\n\n\t\t\t<\/div>\n\t\t\t<!--end ACCORDION-->\n\t\t\n\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re applying for a Working Holiday Visa (visa Vacances-Travail) to France, you might be wondering about the health insurance requirement and how to satisfy it. This requirement is very important because if you don\u2019t get the right insurance, your application could be rejected. This article will explain everything you need to know. If you [&hellip;]<\/p>\n","protected":false},"author":443629,"featured_media":415033,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[201,904,897],"tags":[],"class_list":["post-458027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","category-apply-for-a-whv","category-travel-insurance","pays-france-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>France Working Holiday Visa: the Insurance Requirement Explained<\/title>\n<meta name=\"description\" content=\"To make sure your France Working Holiday Visa application is approved, it&#039;s essential that you get the right insurance at the right time.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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