Carrie, this information regarding insurance seems to conflict with the French government website.
Arrival in France
Your arrival in France
Whether or not you need a visa, entry into the Schengen area of third-country nationals must comply with a certain number of conditions, as provided for by the European and national regulations in force.
Documents to be presented on arrival in France
The following supporting documents must be presented at the request of the Border Police upon your arrival in France:
A valid passport issued less than 10 years before and valid for at least 3 months after the envisaged departure date;
A valid visa, if required;
Proof of accommodation covering the whole duration of the stay (hotel reservation and/or certificate of staying with a relative validated in the town hall);
Sufficient financial means. The means of subsistence shall be assessed according to the duration and purpose of the stay and by reference to the average prices for accommodation and food in the Member States;
Your return ticket or the financial means to acquire one at the envisaged return date;
Any document providing details on the profession or the capacity of the traveller as well as on the establishments or organisations located in France which are expecting you, if you are on a professional trip.
You must have an insurance certificate covering all medical and hospital expenses for which you may be liable for the duration of your stay in France, as well as medical repatriation costs and expenses in the event of death.