Most European Health insurances will cover you while you are staying in France, but the duration may be limited. If you are planning a extended stay in France, you may want to buy a separate insurance or add extra coverage. Most American health insurance's have no coverage abroad at all. There are several possibilities to insure for health costs, depending on the length of your stay:
- Add coverage to your existing policy
- Buy a separate insurance policy, either in your home country or in France
- Change your existing policy into a world coverage
- Take out a extended travel insurance with health coverage.
The last one is usually meant for travelers who stay abroad for a limited time. Even if you get annual coverage, the time that you are insured abroad, could be limited, and so are the number of trips that will be covered.
Usually, the least complicated way to get health insurance is to get a insurance with world coverage and buy it at your current insurance company. This will give you the opportunity to see how it works out and will keep your insurance current in case you decide to return to your home country. If you change nationality, your policy will likely be canceled.
France has a reciprocal agreement with other ECU members for social security benefits, there is no such agreement with the US. Citizens from other EU members should get a E111 form, to proof that they are entitled to benefits.
As a rule of thumb, if you have the choice, you want to take out insurance in countries with lower cost of health care, Americans will likely appreciate the French insurances and coverage for the money.
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