Quick answer: choose a policy that covers medical care abroad, trip delay and cancellation, lost or delayed baggage, and, if you'll ski or sledge in Georgia, winter sports. Check that all your children are included, and buy it as soon as you book.
Your 6-point checklist
- Medical care abroad, including emergency treatment and repatriation.
- Trip delay and missed connections: winter storms and holiday crowds cause delays.
- Lost, stolen or delayed baggage: busy hubs in December and January.
- Winter sports if you'll ski, snowboard or sledge (often an add-on).
- Cancellation for illness or family emergencies before you leave.
- Every traveller named, including children and infants.
Paris in winter
The main risks are flight delays, lost bags during the holidays and theft in crowded places. Medical cover matters too: keep the insurer's emergency number on your phone.
Georgia in winter
If you go to Gudauri or the mountains, make sure snow sports are covered, and that the policy covers delays caused by road closures (the mountain road can close for a few hours after heavy snow).
This page is general information, not financial or legal advice. Read the policy terms before you buy.
Prices and times checked on 10 November 2026 from official and operator sources. They change: confirm before you travel.
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