Heymondo: Adventure cover with an assistance app, bought in English from anywhere
Heymondo sells single-trip, annual and long-stay policies to travellers from most countries, in English, with the claim and assistance process handled in an app. Medical expenses, repatriation, trip disruption and baggage are in the base policy; the adventure sports add-on extends the activity list and raises the altitude ceiling, which is what turns a standard policy into one that covers a trek.
The add-on is the clause that matters. Without it, trekking above the base ceiling, climbing, rafting or mountain biking may fall outside the cover. With it, the activity list is long and explicit, so you can check your trip against it line by line before paying.
What works
- Adventure sports add-on with a named list of activities
- 24/7 assistance and claims through the app, with chat
- Single-trip, annual and long-stay policies for most nationalities
- Search and rescue and repatriation in the policy
What to watch
- Base policy excludes higher treks and many sports until the add-on is taken
- Excess and per-item baggage limits apply, read the certificate
- Pre-existing conditions follow the usual exclusions
Best for A hiking or multi-activity trip where you want the activity list in writing and assistance in your pocket.
Get a Heymondo quoteChapka: A French specialist for European travellers, short trips or long stays
Chapka is a French travel insurance specialist. Its policies are designed for residents of France and other European countries and range from a short holiday to working holidays and long stays abroad, with medical expenses, repatriation and assistance at the core and sports cover as an option on most of them.
For a European traveller whose bank card insurance stops at the trailhead, it is the natural comparison point. The conditions, the altitude ceiling and the sports list depend on the policy chosen, and the paperwork is in French, which is worth knowing before a claim.
What works
- Policies for every trip length, including long stays and working holidays
- Sports cover available as an option on most policies
- Assistance and repatriation built for departures from Europe
What to watch
- Aimed at residents of France and other European countries
- Policy documents and claims in French
- Altitude and activity limits vary by policy, check the one you pick
Best for A traveller based in Europe who wants a specialist policy rather than the card's default cover.
Get a Chapka quoteActivity list, altitude, rescue: what decides between adventure policies
Both insurers pay medical bills abroad. These five clauses decide whether they pay for your trip in particular.
Neither insurer is the cheaper choice in every case: the premium depends on your country of residence, your age, the destination and the add-ons. Get a quote for your exact trip from both before deciding, and read the activity list on the certificate, not on the sales page.
Whichever you pick, buy before departure: cover for a trip already started is the exception, not the rule.
