{"id":1981,"date":"2025-08-12T00:43:00","date_gmt":"2025-08-12T04:43:00","guid":{"rendered":"https:\/\/assurances-simon.com\/?p=1981"},"modified":"2025-08-12T00:43:01","modified_gmt":"2025-08-12T04:43:01","slug":"assurance-voyage-apres-la-pandemie-5-changements-cles-et-erreurs-a-eviter","status":"publish","type":"post","link":"https:\/\/assurances-simon.com\/fr\/assurance-voyage-apres-la-pandemie-5-changements-cles-et-erreurs-a-eviter\/","title":{"rendered":"Assurance voyage apr\u00e8s la pand\u00e9mie : 5 changements cl\u00e9s et erreurs \u00e0 \u00e9viter"},"content":{"rendered":"\n<p>R\u00e9server un voyage est toujours excitant\u2026 mais aujourd\u2019hui, il faut aussi penser \u00e0 de nombreux \u00ab et si \u00bb avant de partir. Depuis la pand\u00e9mie, les <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-voyage\/\">polices d\u2019assurance voyage<\/a> ont \u00e9volu\u00e9 et r\u00e9servent parfois de mauvaises surprises aux voyageurs. Certaines protections qui \u00e9taient incluses d\u2019office doivent maintenant \u00eatre ajout\u00e9es en option, et les d\u00e9tails des contrats sont plus importants que jamais.<\/p>\n\n\n\n<p>Que vous partiez en Europe, dans le Sud ou pour une courte escapade aux \u00c9tats-Unis, voici ce qui a chang\u00e9 dans <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-voyage\/\">l\u2019assurance voyage<\/a> et comment \u00e9viter les erreurs co\u00fbteuses.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-1024x683.jpg\" alt=\"flight cancellation insurance coverage\" class=\"wp-image-1977\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-1024x683.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-300x200.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-768x512.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-1536x1024.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-flight-cancellation-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Photo: LT Chan<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. La couverture pand\u00e9mie et \u00e9pid\u00e9mie n\u2019est plus automatique<\/strong><\/h2>\n\n\n\n<p>Avant 2020, les pand\u00e9mies n\u2019\u00e9taient presque jamais mentionn\u00e9es dans les contrats. Aujourd\u2019hui, plusieurs assureurs les consid\u00e8rent comme des exclusions, sauf si vous ajoutez une protection sp\u00e9cifique contre la COVID-19 ou d\u2019autres \u00e9closions.<\/p>\n\n\n\n<p><strong>\u00c0 v\u00e9rifier avant d\u2019acheter :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Votre police couvre-t-elle la maladie, la quarantaine ou l\u2019annulation caus\u00e9es par une pand\u00e9mie ?<\/li>\n\n\n\n<li>Si vous visitez plusieurs pays, la couverture s\u2019applique-t-elle partout ?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Les r\u00e8gles d\u2019annulation de voyage sont plus strictes<\/strong><\/h2>\n\n\n\n<p>La protection \u00ab annulation pour n\u2019importe quelle raison \u00bb existe encore, mais elle est maintenant optionnelle et plus co\u00fbteuse. Les polices standards ont souvent une liste plus restreinte de motifs accept\u00e9s pour obtenir un remboursement.<\/p>\n\n\n\n<p><strong>Conseil :<\/strong> V\u00e9rifiez toujours la liste des raisons couvertes. Si vous voulez plus de flexibilit\u00e9, parlez \u00e0 votre courtier de l\u2019option \u00ab annulation pour n\u2019importe quelle raison \u00bb avant votre d\u00e9part.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. La couverture m\u00e9dicale \u00e0 l\u2019\u00e9tranger peut \u00eatre exig\u00e9e \u00e0 l\u2019entr\u00e9e<\/strong><\/h2>\n\n\n\n<p>Certains pays demandent d\u00e9sormais une preuve de <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-voyage\/\">couverture m\u00e9dicale d\u2019urgence<\/a> minimale avant de vous laisser entrer. Sans cette preuve, vous pourriez \u00eatre refus\u00e9 \u00e0 l\u2019embarquement ou \u00e0 la fronti\u00e8re.<\/p>\n\n\n\n<p><strong>Avant de partir :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confirmez les exigences de votre destination en mati\u00e8re de couverture m\u00e9dicale.<\/li>\n\n\n\n<li>Assurez-vous que votre police couvre les hospitalisations, les frais de quarantaine et le rapatriement d\u2019urgence.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-1024x683.jpg\" alt=\"medical coverage travel\" class=\"wp-image-1979\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-1024x683.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-300x200.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-768x512.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-1536x1024.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/08\/travel-insurance-medical-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. La protection en cas de retard ou d\u2019interruption de voyage s\u2019\u00e9largit<\/strong><\/h2>\n\n\n\n<p>Les retards de vols, les correspondances manqu\u00e9es et les quarantaines impr\u00e9vues ont pouss\u00e9 les assureurs \u00e0 bonifier la couverture interruption. Celle-ci peut maintenant inclure des nuits d\u2019h\u00f4tel suppl\u00e9mentaires, les repas et les frais de r\u00e9acheminement.<\/p>\n\n\n\n<p>M\u00eame si vos billets d\u2019avion ont \u00e9t\u00e9 achet\u00e9s avec des points, cette protection peut vous \u00e9viter des centaines ou des milliers de dollars de d\u00e9penses impr\u00e9vues.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Les erreurs fr\u00e9quentes \u00e0 \u00e9viter avec l\u2019assurance voyage<\/strong><\/h2>\n\n\n\n<p>M\u00eame les voyageurs exp\u00e9riment\u00e9s peuvent commettre des erreurs co\u00fbteuses. Voici les plus courantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Se fier uniquement \u00e0 la couverture de sa carte de cr\u00e9dit<\/strong> : elle est souvent limit\u00e9e et soumise \u00e0 des conditions strictes.<\/li>\n\n\n\n<li><strong>Acheter l\u2019assurance trop tard<\/strong> : certaines protections, comme l\u2019annulation, ne s\u2019appliquent que si la police est achet\u00e9e peu de temps apr\u00e8s la r\u00e9servation.<\/li>\n\n\n\n<li><strong>Omettre de couvrir une condition pr\u00e9existante<\/strong> : sans cette protection, vous pourriez devoir payer de votre poche en cas de probl\u00e8me m\u00e9dical \u00e0 l\u2019\u00e9tranger.<\/li>\n<\/ul>\n\n\n\n<p>\u00c9viter ces erreurs peut faire toute la diff\u00e9rence entre une demande de remboursement accept\u00e9e rapidement et un refus co\u00fbteux.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/assurances-simon.com\/fr\/\">L\u2019assurance voyage<\/a> d\u2019aujourd\u2019hui ne se limite pas aux urgences m\u00e9dicales. Elle est aussi essentielle pour assurer votre flexibilit\u00e9, r\u00e9pondre aux exigences de votre destination et vous prot\u00e9ger financi\u00e8rement dans un contexte de voyage plus incertain.<\/p>\n\n\n\n<p>Chez <strong><a href=\"https:\/\/assurances-simon.com\/fr\/\">Assurances Simon<\/a><\/strong>, nous aidons les voyageurs qu\u00e9b\u00e9cois \u00e0 choisir la couverture adapt\u00e9e \u00e0 leur destination, \u00e0 la dur\u00e9e de leur s\u00e9jour et \u00e0 leur budget. Que vous ayez besoin d\u2019une protection pour un seul voyage ou d\u2019une police plus compl\u00e8te, notre \u00e9quipe vous guide pour que vous voyagiez en toute tranquillit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e9server un voyage est toujours excitant\u2026 mais aujourd\u2019hui, il faut aussi penser \u00e0 de nombreux \u00ab et si \u00bb avant de partir. Depuis la pand\u00e9mie, les polices d\u2019assurance voyage ont \u00e9volu\u00e9 et r\u00e9servent parfois de mauvaises surprises aux voyageurs. Certaines protections qui \u00e9taient incluses d\u2019office doivent maintenant \u00eatre ajout\u00e9es en option, et les d\u00e9tails des [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[31],"tags":[32],"class_list":["post-1981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-voyage","tag-assurance-voyage"],"_links":{"self":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/comments?post=1981"}],"version-history":[{"count":1,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1981\/revisions"}],"predecessor-version":[{"id":1984,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/1981\/revisions\/1984"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media\/1982"}],"wp:attachment":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media?parent=1981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/categories?post=1981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/tags?post=1981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}