Pauline

P. Laurore

Co-founder & Travel and Credit Card Insurance Expert

HelloSafe Co-founderCredit Card Coverage ExpertTravel Insurance Specialist (8+ Years)Fine Print & Policy AnalysisLinkedIn

Biography

Co-founder of HelloSafe, specialist in travel insurance and the travel coverage built into credit cards. A graduate of Paris-Dauphine University in International Business, Pauline co-founded HelloSafe in 2018 with the conviction that an honest insurance marketplace should read the contracts on behalf of its users. For 8 years she has been reading travel insurance and credit card policy wordings every day, across several markets (France, United States, Canada, Spain), spotting the exclusions hidden in the fine print, and helping travellers choose the right contract for their specific profile. Her specialty is the details no one reads. Cancellation reasons that are actually covered, combined caps versus separate caps, Schengen visa compliance, claim denials, exclusions on outdoor activities, the small print of travel coverage on Visa Premier, Mastercard Gold, Amex Platinum. She knows by heart the contracts of the main players on the market: Chapka, AVA, Allianz Travel, Mondial Assistance, ACS, Heymondo, Mondial Care, and their international equivalents. Pauline regularly comments on travel insurance topics in the French and international press [to be completed with specific media outlets]. She also writes in-depth contract analyses for the HelloSafe blog. Her philosophy: if a contract does not hold up to a line-by-line reading, it does not hold up at all.

Articles by P. Laurore(15)

Manulife travel insurance review: $10 million of coverage, and the one thing we could not confirmManulife's own Canadian wordings: $10M medical, unlimited trip interruption, the $25,000 trap, and why $32 is not a quote.Updated September 17, 2026Russia visa insurance: the €30,000 certificate a consulate will actually acceptWhat a Russian consulate checks on your certificate: €30,000, whole stay, repatriation named. Compare Russia visa insurance.Updated September 16, 2026Ireland student visa insurance: the €25,000 rule and cover from €146.90Ireland student visa insurance: the €25,000 rule for non-EEA students explained, with real first-year cover from €146.90.Updated September 14, 2026Countries that require travel insurance: the checked 2026 listCountries that require travel insurance, checked rule by rule: Georgia, Argentina, Cuba, Ukraine, Schengen. From $39.41.Updated September 14, 2026Super visa insurance: the CAD 100,000 rule, and who can legally sell it to youWhat Canada really requires for super visa insurance: CAD 100,000, 1 year, a Canadian or OSFI insurer.Updated September 14, 2026J1 visa insurance: the federal minimums and 6 plans checked against them, from $136J1 visa insurance: the $100,000 federal minimums explained, 6 plans audited against them, real quotes from $136.Updated September 17, 2026Direct Line Travel Insurance Review (2026): Why You Can No Longer Buy It, and What Your Policy Still CoversDirect Line no longer sells new travel insurance. What your policy still covers, how to claim, and real UK alternatives from £15.81.Updated September 17, 2026AA Travel Insurance Review (2026): Cover Limits, the £15 Million Question, Exclusions and Real PricesIndependent AA review: Bronze, Silver and Gold limits, the £15m question, what is excluded, and real UK prices.Updated September 17, 2026Big Cat Travel Insurance Review (2026): Cover Limits, the Age Caps, Exclusions and Real PricesIndependent Big Cat review: Budget, Standard and Premier limits, the age caps, what is excluded, and real prices in pounds.Updated September 17, 2026Puffin Travel Insurance Review (2026): Cover Limits, the Excess, Exclusions and Real PricesIndependent Puffin review: Silver, Gold and Platinum limits, the excess, what is excluded, and real prices in pounds.Updated September 17, 2026Holiday Extras Travel Insurance Review (2026): Cover Limits, Exclusions, Real Prices and the Best AlternativesIndependent Holiday Extras review: Bronze, Silver and Gold limits, the excess, what is excluded, and real prices in pounds.Updated September 17, 2026Saga Travel Insurance Review (2026): the Over-50s Rule, Cover Limits, Real Prices and Cheaper AlternativesIndependent Saga review: the over-50s rule, cover limits, excess options and real quotes in pounds for UK travellers.Updated September 17, 2026Cancel for any reason travel insurance 2026: which plans refund 75%, from $5.16 a dayWhich US plans really offer cancel for any reason cover, what 75% actually refunds, and the 14-day window you must not miss.Updated September 17, 2026Allianz Travel Insurance Review 2026: OneTrip limits, what a week really costs, and where $122 buys more coverageAllianz travel insurance review: OneTrip limits, real US prices, exclusions, claims and the cheaper plans that beat it.Updated September 17, 2026Schengen travel insurance from the UK: visa-compliant cover from £14.80 (2026)Schengen travel insurance for UK residents from £14.80: €30,000 cover, repatriation, zero excess, instant visa-ready PDF.Updated September 11, 2026

Credit card guides

Cards reviewed by P. Laurore(353)

Vertigo PlatinumSt.GeorgeAmplify SignatureBank of MelbourneLow Fee PlatinumWestpacAltitude Qantas BlackWestpacAmplify Rewards SignatureBankSAAmplify Qantas SignatureBankSAAmplify Rewards PlatinumBankSAAmplify Qantas PlatinumBankSAAmplify Rewards PlatinumSt.GeorgeAmplify Rewards SignatureSt.GeorgeAmplify Qantas PlatinumSt.GeorgeAmplify SignatureSt.GeorgeAmplify Qantas SignatureSt.GeorgeAmplify Qantas SignatureBank of MelbourneAmplify Qantas PlatinumBank of MelbourneAmplify PlatinumBank of MelbourneAmplifyBank of MelbourneEarth BlackWestpacAltitude Velocity PlatinumWestpacAltitude Velocity BlackWestpacAltitude Qantas PlatinumWestpacAltitude BlackWestpacRewards World Elite MastercardBMORewards SignatureNABAmplifyBankSARewards Signature with VelocityNABRewards Travel AdventuresANZPremierCitiHigh FlyerVirgin MoneyQantas Rewards SignatureNABRewards PlatinumANZPrestigeCitiFrequent Flyer BlackANZRewards BlackANZPlatinumANZFrequent Flyer PlatinumANZWorld Elite MastercardATB FinancialWorld Elite MastercardNational BankWestJet World Elite MastercardRBCAeroplan ReserveAmerican ExpressAeroplan Visa InfiniteCIBCClear Options PlatinumSuncorp BankWorld Elite MastercardHSBCGold American ExpressScotiabankPlatinumAmerican ExpressGold RewardsAmerican ExpressAventura Visa InfiniteCIBCAvion Visa InfiniteRBCAeroplan Visa InfiniteTDPlatinumAmerican ExpressVisa Infinite Cash BackMeridianVisa Infinite Travel RewardsMeridianVisa InfiniteAlterna SavingsEclipse Visa Infinite PrivilegeBMOPassport Visa InfiniteScotiabankVisa Infinitecredit-mutuelSapphire ReserveChaseWorld Elite MastercardBrimOdyssey World Elite MastercardDesjardinsStar AllianceHSBCPremier World MastercardHSBCPlatinum QantasHSBCPlatinumHSBCQantas Rewards PremiumNABReadyBendigoPlatinum RewardsBendigoQantas PlatinumBendigoLow Rate PlatinumBendigoPlatinum VisaNABFirst Class Travel Visa InfiniteTDSapphire Reserve BusinessChasePlatinumMacquarieBlack CardMacquarieExplorerAmerican ExpressVisa Infinite RewardsLaurentianRitz-CarltonChasePlatinum MastercardNational BankAscend World Elite MastercardBMOMomentum Visa InfiniteScotiabankPrestigeCitiCardDiners ClubFrequent FlyerDiners ClubRewards World Elite MastercardMBNAWorld Elite MastercardNeo FinancialAir Miles World Elite MastercardBMOCash Back World Elite MastercardDesjardinsSimplyCash PreferredAmerican ExpressVisa InfiniteBRED Banque PopulaireChase United Club InfiniteChaseAeroplanChasePremium Rewards EliteBank of AmericaSapphire PreferredChaseWorld MastercardBrimInk Business PreferredChasePlatinumHeritage BankDiamond AwardsCommonwealthUltimate AwardsCommonwealthAltitude ReserveU.S. BankMetalRevolutULTIMACitibankPrestigeCitibankRogers Red World Elite MastercardRogersHilton Honors AspireAmerican ExpressAvion Visa PlatinumRBCCobaltAmerican ExpressVenture X BusinessCapital OneDelta SkyMiles ReserveAmerican ExpressPlatinum AwardsCommonwealthWorld of Hyatt BusinessChaseAutograph JourneyWells FargoPlatinumAmerican ExpressQantas Premier EverydayQantas MoneyQantas World MastercardBankwestQantas Premier PlatinumQantas MoneyAAdvantage ExecutiveCitiDividend Visa InfiniteCIBCCashBack World Elite MastercardBMOAAdvantage Platinum SelectCitiCash Back Visa InfiniteTDWorld of HyattChaseUnited QuestChasePalladiumBilt RewardsElite World Elite MastercardHSBCAAdvantage GlobeCitiUnited ExplorerChaseAAdvantage Aviator RedBarclaysPlatinum Qantas RewardsBank AustraliaNeo MastercardNeo FinancialSpark Miles for BusinessCapital OneStrata EliteCitiVenture XCapital OneHawaiian Airlines World Elite MastercardBarclaysJetBlue PlusBarclaysPlatinum EdgeAmerican ExpressOrange One Rewards PlatinumINGOrange One Low Rate PlatinumINGRewards Visa SignatureUSAADelta SkyMiles Reserve BusinessAmerican ExpressBusiness PlatinumAmerican ExpressMarriott Bonvoy BrilliantAmerican ExpressPremierHSBCStrata PremierCitiVentureOneCapital OneSavorCapital OnePremium RewardsBank of AmericaCenturionAmerican ExpressWorld Elite MastercardPC FinancialEclipse Visa InfiniteBMOChase Freedom Rise®ChaseVelocity PlatinumAmerican ExpressQantas UltimateAmerican ExpressPlatinum Travel VisaTDSecured Visa PlatinumUSAARate Advantage Visa PlatinumUSAAPreferred Cash Rewards Visa SignatureUSAASpark Cash SelectCapital OnePlatinum MastercardBankwestAspire Cash Platinum MastercardCapital OneGuaranteed MastercardCapital OneInk Business UnlimitedChaseWorld Elite MastercardBilt RewardsObsidianBilt RewardsFreedom FlexChaseGold My Rewards MastercardATB FinancialSavorOneCapital OneQuicksilverOneCapital OneQuicksilverCapital OneTravelOneHSBCSpark Cash PlusCapital OneQuicksilver Secured CardCapital OneAltitude ConnectU.S. BankFreedom UnlimitedChaseFrontier AirlinesBarclaysMetalRevolutGold Cash Rewards MastercardATB FinancialMarriott Bonvoy BoundlessChaseMarriott Bonvoy BountifulChaseInk Business CashChaseDelta SkyMiles Platinum BusinessAmerican ExpressWyndham Rewards Earner BusinessBarclaysLuxury BlackBarclaysAARP Travel RewardsBarclaysVisa InfiniteStandard CharteredAdvanceHSBCRevolutionHSBCPlatinumCapital OneGoldAmerican ExpressChase British Airways Visa SignatureChaseSouthwest Rapid Rewards PriorityChaseAmazon VisaChaseDisney Premier VisaChaseAer Lingus Visa SignatureChaseVenture RewardsCapital OneGold CardRobinhoodPathfinderPenFedMoney-Back World MastercardTangerineTriangle World Elite MastercardCanadian TireMarriott Bonvoy BoldChaseBank of America Customized Cash Rewards Credit Card for StudentsBank of AmericaDelta SkyMiles Gold Business CardAmerican ExpressVisa PlatinumU.S. BankMarriott Bonvoy Bevy CardAmerican ExpressDelta SkyMiles PlatinumAmerican ExpressBlue Cash PreferredAmerican ExpressBusiness GoldAmerican ExpressGreenAmerican ExpressTriangle World MastercardCanadian TireAmazon BusinessAmerican ExpressBusiness Advantage Travel RewardsBank of AmericaDelta SkyMiles Gold CardAmerican ExpressVisa Infinite MetalUOBReserveUOBVisa InfiniteUOBMastercardBrimInstacart MastercardChaseBank of America Business Advantage Unlimited Cash RewardsBank of AmericaUnlimited Cash RewardsBank of AmericaHilton Honors SurpassAmerican ExpressBlue Business CashAmerican ExpressBlue Business PlusAmerican ExpressMarriott Bonvoy BusinessAmerican ExpressCustomized Cash RewardsBank of AmericaDouble CashCitiAmazon Business PrimeAmerican ExpressBusiness Green RewardsAmerican ExpressAltitude BusinessU.S. BankViewBarclaysOne DebitUOBKrisFlyer DebitUOBAbsolute CashbackUOBEVOLUOBPreferred PlatinumUOBVisa SignatureUOBKrisFlyerUOBOne CardUOBPRVI MilesUOBPlatinum Plus Mastercard BusinessBank of AmericaHilton Honors CardAmerican ExpressDelta SkyMiles BlueAmerican ExpressCash MagnetAmerican ExpressBlueBilt RewardsBlue Cash EverydayAmerican ExpressCustomized Cash Rewards MastercardBank of AmericaCostco Anywhere VisaCitiHorizon Visa SignatureMaybankKrisFlyer AscendAmerican ExpressVisa SignatureCIMBLow RateHSBCActive CashWells FargoReflect VisaWells FargoAutographWells FargoDaily AdvantageAAATrue CashbackAmerican ExpressKrisFlyerAmerican ExpressVisa InfiniteBank of ChinaFamily & FriendsMaybankRewards PlatinumNABRewards Platinum with VelocityNABSyncro MastercardNational BankCash Back VisaSimplii FinancialLow FeeCommonwealthPlatinumBank of QueenslandBlueBank of QueenslandRewardsCitiVelocity FlyerVirgin Money+Rewards MastercardHSBCCash Rewards MastercardHSBCCash Back VisaAlterna SavingsTrue Line MastercardMBNACash Back MastercardRBCION+ VisaRBCCostco MastercardCIBCCash Rewards® Visa Signature®PNC BankAir France-KLM SilverAmerican ExpressGold CardAmerican ExpressAir Miles MastercardBMOMoney-Back MastercardTangerineMastercardPC FinancialRewards+CitiSimplicity®CitiCustom CashCiti28° Global PlatinumLatitudeNeo Secured CardNeo FinancialRoyal Indigo / Jade GreenCrypto.comConnections MastercardRogersRuby SteelCrypto.comIcy White / Frosted Rose GoldCrypto.comMomentum No-Fee Visa CardScotiabankValue VisaScotiabankScene+ Visa CardScotiabankVisaCrypto.comRed MastercardRogersHome Trust Preferred VisaHome TrustEnjoy CashTruistEnjoy TravelTruistNTUC CardNTUCWise CardWiseFlexiCardGXS BankSimply CashStandard CharteredFRANKOCBC90NOCBCMari Credit CardMariBankEsso CardDBSVisa DebitDBSSmart CardStandard CharteredStandardRevolutCashback Credit CardTrust BankCash Back CardCitibankVoyageOCBCLive FreshDBSTitanium RewardsOCBCDebit CardOCBCLive+HSBCAmaze CardInstaremVantageDBSLady's CardUOBPAssion CardPAssionWoman's World CardDBS365OCBCAltitudeDBSRewards CardCitibankyuu CardDBSPremierMilesCitibankLow FeeWestpacClear Options StandardSuncorp BankNo Annual FeeSt.GeorgeEco MastercardLatitudeInfinity Rewards VisaLatitudeBreeze Classic MastercardBankwestAmerican Express Platinum CardDavid JonesClassicHeritage BankLow RateBeyond BankZero MastercardBankwestLow RateBank of QueenslandNo Annual FeeBank of MelbourneMoney Credit CardWoolworthsBlack CardKogan MoneyLow RateANZPlatinum MastercardColesZero Platinum MastercardBankwestRewards MastercardColesBank AccessManulifeTriangle MastercardCanadian Tireit Student Cash BackDiscoverMastercardAppleDiscover it® SecuredDiscoverit MilesDiscoverit ChromeDiscoverSavor Student Cash RewardsCapital OneDiamond PreferredCitiStrataCitiTravel AdvantageAAAit Cash BackDiscover