Yes, travel insurance is worth carrying for a trip through Nice, and one thing that sets this gateway apart from most coastal entries in this guide is how genuinely different the risk profile is depending on the season. Nice serves both the beach-and-yacht world of the French Riviera in summer and, within an hour or two inland, the ski resorts of the Alpes-Maritimes in winter, and a policy that only anticipates one of those trips can leave real gaps in the other.
Nice has its own major university hospital and handles serious cases locally without the referral distances this guide flags for more remote destinations, so the medical picture is genuinely strong here regardless of which season brings you through. As with any EU destination, check whether your existing health cover extends abroad and specifically to France, since the rules differ sharply depending on your country of residence, and this page cannot determine which applies to you.
Summer visitors along the coast around Nice, Cannes, and Monaco should check that boating, jet-ski, or water-sports activity is actually named in the policy rather than assumed, since many standard policies cap or exclude powered water sports. Winter visitors heading inland to resorts like Isola 2000 or Auron should separately confirm winter-sports cover and any altitude or off-piste exclusions, since the two seasons call for genuinely different riders on the same base policy.
Trip-delay cover is worth having either way - summer brings peak-season congestion on the coastal roads and at the airport itself, while winter can bring snow that closes the mountain roads inland from Nice with little warning.
Keep any clinic paperwork, resort or marina incident reports, and receipts for delayed travel or damaged equipment, and check your policy's claims-reporting timeline before you travel, since Nice's own providers issue standard documentation but reimbursement is rarely automatic.