ACS Working Holiday Visa and expatriation insurance (Globe PVT, Globe Traveller): broker profile
ACS structures its offer around Working Holiday Visas and temporary stays, with four plans: Globe PVT, Globe PVT Light, Globe Partner and Globe Traveller. On the market since 1979, it remains a reference point for under-40s on the move.
StatusWholesale broker, ORIAS 07 000 350, Paris, on the market since 1979
SpecialisationStudent insurance since 1986, expatriates since 2005, acquired FAC International in 2020
ProductsGlobe PVT / Globe PVT Light, Globe Partner (up to age 40), Globe Traveller (up to age 65)
Risk carriersMGEN, notably on Globe Traveller, plus other partners depending on the plan
Subscription after departurePossible on Globe Partner and Globe Traveller (8-day waiting period), not on Globe PVT
ACS is a Paris-based wholesale broker, on the travel insurance market since 1979, specialising in student insurance since 1986 and then in expatriates since 2005; the acquisition of FAC International in 2020 rounded out its range. Depending on the plan, the risk is carried by different partners, including the mutual insurer MGEN for Globe Traveller.
Four product families structure the offer: Globe PVT and its lighter version Globe PVT Light (excluding Canada) for working holidays, Globe Partner for travellers and interns under 40 for up to 12 months, and Globe Traveller, the most complete plan, open up to age 65 with a three-month limit in North America after age 56.
A point often overlooked: the Globe PVT plans cover pregnancy up to €5,000 reimbursed at 90%, contrary to the common assumption that Working Holiday Visa contracts always exclude maternity. In exchange, they must be taken out before departure, with no option to do so once already on the ground, only Globe Partner and Globe Traveller accept subscription after departure, with an 8-day waiting period. Dangerous sports and two-wheelers over 125cc remain excluded across the whole range.
Working Holiday Visas
Globe PVT and its lighter version Globe PVT Light (excluding Canada), designed around visa requirements.
Travellers and interns under 40
Globe Partner, up to 12 months, worldwide.
Travellers up to age 65
Globe Traveller, the most complete plan, with a 3-month limit in North America after age 56.
Worldwide excluding the country of residence; only the Globe PVT Light plan specifically excludes Canada.
Plans we place- Pre-existing and chronic conditions are excluded from medical expense cover.
- Dangerous sports (mountaineering, off-piste skiing, aerial sports, jet-skiing, combat sports) are excluded.
- Motorised two-wheelers over 125cc are excluded from the accidental death and disability cover.
- The Globe PVT plans must be taken out before departure: no after-the-fact subscription is possible, unlike Globe Partner and Globe Traveller.
Your questions about ACS.
Does Globe PVT cover pregnancy?
Yes, up to €5,000 reimbursed at 90%, contrary to the common assumption that Working Holiday Visa contracts always exclude maternity.
Can you subscribe with ACS once you have already left?
It depends on the plan: Globe Partner and Globe Traveller accept subscription after departure, with an 8-day waiting period. The Globe PVT plans, however, must be taken out before departure.
Which ACS plan should you choose for a Working Holiday Visa in Canada?
Globe PVT, the full plan, rather than Globe PVT Light which specifically excludes Canada from its cover.
Page written by Izem Expat based on the policy wording and information documents published by the insurer; it is not binding on the insurer. Exact benefits depend on the plan and the year of subscription.
Reviewed by Mustapha Naït Cherif