I just returned from Europe a few weeks ago. My primary Visa was a chip and sign card and I never had any issues with an in person transaction at restaurants or with a kiosk - I used it in the Paris Metro several times.

My girlfriend used a regular swipe and sign card in Paris at a department store without issue, but that was the only time she used it.

I will say that I was able to convert all of my cards to chip cards by calling the issuer before I left. One credit card advised that they were available but only issued if requested. My bank advised that their ATM cards were being issued with chips as of mid May and but I had to ask for a new card as they are only sending them for new accounts or at expiration.