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SMERRA

Insurance abroad

Insurance for students abroad: travel with peace of mind

International insurance and comprehensive health coverage for your studies abroad (Erasmus, internship, gap year, working holiday visa), for just €29/month.
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Why take out international student insurance?

Erasmus, internship, gap year, or study trip? When you’re abroad, unexpected events can quickly become (very) expensive. Medical care, hospitalization, accidents, theft, or repatriation… With the Pack Europe or Pack Monde, you can travel with peace of mind, knowing that your coverage follows you everywhere.

  •  100% reimbursement of actual healthcare costs
  • 24-hour medical repatriation included, anywhere in the world
  • smerra_assurance_logement
    Personal liability and rental liability
  • Coverage for loss, damage, or theft of your luggage
  • Valid for visa applications
Suscribe to Pack Monde Suscribe to Pack Europe

Packages and rates: Pack Europe and Pack Monde

Discover our two insurance packages for internships/studies abroad for students, recognized for visa applications! You can be insured on a monthly basis or for just 15 days!

Pack Europe

Are you going on an internship or Erasmus program in Europe? This is the insurance you need.

€29/month €19 for 15 days

Pack Monde

International insurance that covers you during your studies or internship anywhere in the world.

€38/month €26 for 15 days

100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)

100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)

100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
100% of actual costs without deductible (3)(5)
Round-trip ticket
Round-trip ticket
Maximum of €50 per person per day Maximum of €300 per claim
Maximum of €50 per person per day Maximum of €300 per claim
One-way return ticket
One-way return ticket
100% actual costs
100% actual costs
€3,000
€3,000
€7,500
€7,500
€500
€500

€1,525
€1,525
Up to €30,000
Up to €30,000

€305,000
€305,000
€305,000
€305,000
€50,000
€50,000

€915
€915
€460
€460
The + Smerra The + Smerra
24-hour international repatriation insurance Included
24-hour international repatriation insurance Included
Changing your travel dates/cancelling your insurance Included (4)
Changing your travel dates/cancelling your insurance Included (4)
Get insured online Get insured online

All documentation relating to student insurance abroad

Reimbursement rates: Social Security + supplemental health insurance (1) reimbursements as part of coordinated care.

Social Security reimbursement rates as of March 31, 2025.

(1)Reimbursement rates apply on the basis of the Social Security rate (TRSS) as of March 31, 2025, and include Social Security reimbursement. Changes to Social Security rates do not result in an increase in supplementary health insurance reimbursement rates. Furthermore, reimbursement of expenses resulting from illness or accident cannot exceed the amount of the costs incurred. The flat-rate contribution of €2 as of May 15, 2024, and deductibles are not covered by the mutual insurance company.

(2) Coverage of the flat-rate contribution of €24 provided for in Article R.322-8 of the Social Security Code.

(3) Insurance abroad: Pack Europe Pack Monde contract no. 4.090.474, taken out with AIG, and information notice V12, available at smerra.fr. Cover applies worldwide during travel EXCEPT for any travel through or to Cuba, Iran, Sudan, Syria, Crimea, North Korea, the Donetsk People’s Republic, or the Luhansk People’s Republic.

(4) Modification – Cancellation: if you are no longer able to travel abroad as planned, you must inform us before the departure date indicated on your certificate in order to modify the departure date or cancel your trip and receive a full or partial refund of your premium. Similarly, if you return from abroad earlier than planned, you must notify us of the change to your return date before your arrival in France in order to request a refund of the excess premium paid. By mail: Smerra, 43 rue Jaboulay 69349 Lyon Cedex 07 or by email: conseillers@smerra.fr. In all cases, the €13 administrative fee will remain payable.

(5) Medical expenses abroad up to a limit of €350,000 per claim and per person, following an accident or illness covered by the policy, excluding dental expenses, which are covered at 70% of the actual costs and up to a limit of €230.

  •

    Insurance valid for your visa application

    Insurance recognized by embassies and universities worldwide. Certificate issued immediately after subscription.

  • Full repatriation assistance

    In the event of a medical emergency or accident, you will be taken care of and repatriated to your country of origin at no cost.

  • 100% reimbursement of actual costs

    Consultations, hospitalization, pharmacy... your healthcare expenses are reimbursed at 100%.

  • Low-cost international insurance rates

    You get comprehensive coverage starting at €29/month.

  • Civil liability and baggage insurance included

    Don't panic, we've got you covered: we cover any accidental damage you might cause and luggage mishaps (loss, theft, breakage).

What does Smerra’s student insurance for studying abroad cover?

With Smerra, you get comprehensive health and insurance coverage for your experience abroad: studies, internships, gap years, or even Erasmus programs.

The Pack Monde Europe is insured by AIG (world leader in international insurance and repatriation), which provides you with 24/7 assistance worldwide.

Discover the main guarantees included in the Pack Europe and the Pack Monde:

✅Medical and hospitalization expenses: 100% reimbursement of actual costs, with no deductible, in the event of illness or accident

✅Routine care (doctor, pharmacy, tests, X-rays, etc.) at 100% of actual costs and always with no deductible

✅Repatriation, medical transport, medication delivery: no deductible

✅ Personal liability insurance (essential for your host institution or visa) and renter’s liability insurance (required when renting accommodation)

✅Lost, stolen, or damaged luggage

✅Personal accident insurance (death/disability benefit)

See the detailed coverage table to find out about all the cover included in your Pack Europe or Pack Monde.

Global expertise at the service of students

AIG (world leader in international insurance and repatriation) is the insurer and assistance provider for the Pack Monde Europe and, together with Smerra, offers you a unique insurance package for internships and studies abroad.

Getting ready to move abroad

International health diagnosis

Get your country profile for free!

Thanks to Smerra's personalized international health assessment, receive your complete country information sheet free of charge: administrative formalities, health information, cost of living... everything you need to know!

Get my country profile
Smerra : Stage à l'étranger : méthode pour partir serein

Is health insurance mandatory when studying abroad?

Yes, depending on your country of study or university, student health insurance is mandatory when studying abroad. Even if it is not mandatory, we strongly recommend it.

Are you going to Europe? Your European Health Insurance Card (EHIC) gives you access to medical care in your host country, but it does not cover everything: expensive hospitalization, repatriation, or damage to others remain your responsibility. It is therefore essential to protect yourself by taking out international insurance – Pack Europe, which will also cover you for civil and rental liability!

Are you traveling internationally (outside Europe)? Outside the European Union, the EHIC is not valid. You will therefore need to take out private international health insurance such as the Pack Monde, which offers you comprehensive coverage: 100% reimbursement of medical expenses, repatriation assistance, civil liability, and coverage throughout your stay, whether you are on Erasmus, an internship, studying, or taking a gap year.

With Smerra’s Pack Monde Europe insurance, you can enjoy your international experience with peace of mind!

Example of actual costs abroad: with and without Smerra

Abroad, a simple consultation or hospitalization can quickly become very expensive.

Here are two concrete examples to help you understand why taking out international student insurance makes all the difference

🧑🏼‍⚕️​ Situations Medical appointement in the United States Price : €150
​😟​ Without international student insurance
Reimbursement of €19 only by French Social Security.
Out-of-pocket expense : €131
🧘​With Smerra international insurance
✅100% of actual costs reimbursed with no deductible
Out-of-pocket expense : €0
🧑🏼‍⚕️​ Situations Broken arm in Mexico: hospitalization + rehabilitation Price : €11,500
​😟​ Without international student insurance
Social Security reimbursement of only €326.
Out-of-pocket expense : €11,174
🧘​With Smerra international insurance
✅100% of actual costs reimbursed with no deductible
Out-of-pocket expense : €0

With Smerra, you avoid unpleasant surprises and travel with peace of mind.

Sign up now for your Pack Europe or Pack Monde and travel with peace of mind!

How do I obtain my international certificate?

It couldn’t be easier! Once you have signed up online for the Pack Europe or Pack Monde Smerra, you will immediately have access to your secure personal account. Your international insurance certificate will be available there instantly: an official document recognized by universities, embassies, and foreign administrations. You can then complete your visa or registration formalities without delay and set off abroad with peace of mind!

Are you going to study or do an internship in Quebec?

Are you going to study, do a university exchange (including a double degree), or do an unpaid internship between France and Quebec? In certain situations, the Franco-Quebec agreement allows you to remain affiliated with your social security system in France, while still being able to receive healthcare in your host country without having to join the local system. This arrangement applies to students in the context of studies, exchanges between higher education institutions, or unpaid internships related to your studies. To take advantage of this, you must submit the certificate corresponding to your situation to your French health insurance fund before your departure:

All the answers to your questions

See all questions

  • Nothing could be simpler! Once you have signed up online for the Pack Europe or Pack Monde Smerra, you will immediately have access to your secure personal account. Your international insurance certificate will be available there instantly: an official document recognized by universities, embassies, and foreign administrations. You can then complete your visa or registration formalities without delay and set off abroad with peace of mind!

  • The EHIC (European Health Insurance Card) allows students from the European Union to access medical care in their host country, but it does not cover repatriation, high hospital costs, or civil liability.

    International health insurance, such as the Smerra PAck Monde Europe, provides you with comprehensive health and insurance coverage that is valid internationally. You benefit from 100% reimbursement of medical expenses, repatriation assistance, and personal and rental liability insurance throughout your stay abroad.

     

  • Yes, in most cases, student health insurance is mandatory to participate in an Erasmus program or any study abroad program.

    Even with the European Health Insurance Card (EHIC), many universities require proof of private insurance covering medical expenses, repatriation, and personal liability.

    This international civil liability protects you if you cause unintentional damage to others, at your university, in your accommodation, or during your internship abroad.

    By subscribing to the Smerra’s Pack Monde or Pack Europe, you benefit from comprehensive coverage and a document recognized by international higher education institutions.

  • The price depends on your destination country and the length of your stay.

    At Smerra, you can take out the Pack Europe insurance from €29/month or the Pack Monde from €38/month. We also offer discounted rates for stays of 15 days. Each plan includes 100% reimbursement for medical care and hospitalization (with no deductible), as well as comprehensive assistance in case of emergency or repatriation. Personal liability and rental insurance are included.

  • Many countries outside the European Union require proof of international health insurance when applying for a student visa. This document proves that you have private medical coverage, including hospitalization, repatriation, and civil liability, for the entire duration of your stay abroad.

  • International civil liability covers unintentional damage that you may cause to others or their property during your study abroad program: everyday accidents, damage to rental property, broken equipment, etc.

    Included in the Smerra Pack Monde Europe, this coverage protects your financial security and prevents you from having to pay significant expenses.

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