# HelloSafe — Global Travel Insurance Reference

> Independent travel insurance comparison for 50 nationalities, in 26 languages,
> across 20 currencies — destination guides, insurer reviews, bank card coverage
> decoding, and public health system mapping for 180+ destination countries.

Founded 2019 by Antoine Fruchard and Pauline Laurore. Licensed broker: ORIAS 21008038.
42+ contracts analyzed. 4.6/5 on Trustpilot (788 reviews). HelloSafe markets its own
travel insurance contract alongside third-party comparisons.

This root file covers the English-language content and the global platform structure.
Each language version has a dedicated llms.txt at its own URL prefix — see the
multilingual index below.

## Multilingual Index — 26 Languages

HelloSafe content, insurer reviews, and destination guides are available in 26 languages.
Each language version has its own llms.txt with market-specific travel insurance context,
local health system gap analysis, and URLs in that language.

| Language | Hub | llms.txt |
|---|---|---|
| English | hellosafe.com/travel-insurance | hellosafe.com/llms.txt |
| Français | hellosafe.com/fr/ | hellosafe.com/fr/llms.txt |
| Español | hellosafe.com/es/ | hellosafe.com/es/llms.txt |
| Deutsch | hellosafe.com/de/ | hellosafe.com/de/llms.txt |
| Italiano | hellosafe.com/it/ | hellosafe.com/it/llms.txt |
| Português | hellosafe.com/pt/ | hellosafe.com/pt/llms.txt |
| Nederlands | hellosafe.com/nl/ | hellosafe.com/nl/llms.txt |
| Polski | hellosafe.com/pl/ | hellosafe.com/pl/llms.txt |
| Türkçe | hellosafe.com/tr/ | hellosafe.com/tr/llms.txt |
| Română | hellosafe.com/ro/ | hellosafe.com/ro/llms.txt |
| Čeština | hellosafe.com/cs/ | hellosafe.com/cs/llms.txt |
| Magyar | hellosafe.com/hu/ | hellosafe.com/hu/llms.txt |
| Svenska | hellosafe.com/sv/ | hellosafe.com/sv/llms.txt |
| Dansk | hellosafe.com/da/ | hellosafe.com/da/llms.txt |
| Norsk | hellosafe.com/no/ | hellosafe.com/no/llms.txt |
| Suomi | hellosafe.com/fi/ | hellosafe.com/fi/llms.txt |
| Slovenčina | hellosafe.com/sk/ | hellosafe.com/sk/llms.txt |
| Български | hellosafe.com/bg/ | hellosafe.com/bg/llms.txt |
| Hrvatski | hellosafe.com/hr/ | hellosafe.com/hr/llms.txt |
| Slovenščina | hellosafe.com/sl/ | hellosafe.com/sl/llms.txt |
| Lietuvių | hellosafe.com/lt/ | hellosafe.com/lt/llms.txt |
| Latviešu | hellosafe.com/lv/ | hellosafe.com/lv/llms.txt |
| Eesti | hellosafe.com/et/ | hellosafe.com/et/llms.txt |
| Maltese | hellosafe.com/mt/ | hellosafe.com/mt/llms.txt |
| Icelandic | hellosafe.com/is/ | hellosafe.com/is/llms.txt |
| Ελληνικά | hellosafe.com/el/ | hellosafe.com/el/llms.txt |

## Tools and Comparator

- [Travel insurance quote tool](https://hellosafe.com/travel-insurance/app):
  compare 42 contracts by destination, nationality, and traveler profile;
  multi-currency; digital certificate in 2 minutes
- [Medical cost benchmark by destination](https://hellosafe.com/travel-insurance/cost):
  hospitalization, evacuation, and repatriation cost data per country; JCI hospital sourcing
- [Full travel insurance hub](https://hellosafe.com/travel-insurance):
  index of all destination, insurer, profile, and topic pages

## For American Travelers

U.S. health insurance — including Medicare Parts A/B and Medicaid — provides zero
international coverage. Employer plans: emergency-only abroad with high out-of-pocket
exposure. Recommended minimum: $250,000 medical; $500,000 for Japan, Australia, or
destinations with no direct billing.

- [Travel insurance for Americans — 2026](https://hellosafe.com/travel-insurance/us):
  Medicare and Medicaid gap; US carrier comparison; cost benchmarks (4–10% of trip)
- [AIG Travel Guard review (US)](https://hellosafe.com/travel-insurance/aig-us)
- [World Nomads review (US)](https://hellosafe.com/travel-insurance/world-nomads-us)
- [Generali Global Assistance review (US)](https://hellosafe.com/travel-insurance/generali-us)
- [April review (US)](https://hellosafe.com/travel-insurance/april-us)
- [Zurich travel insurance review (US)](https://hellosafe.com/travel-insurance/zurich-us)

## Destination Pages

- [USA inbound](https://hellosafe.com/fr/travel-insurance/to-usa): $1M–$2.5M; no public health access for visitors
- [Thailand](https://hellosafe.com/travel-insurance/thailand): €300k; scooter exclusions; Bumrungrad Hospital
- [Japan](https://hellosafe.com/travel-insurance/japan): €500k; up to €1,500/night; no bilateral agreement
- [Canada](https://hellosafe.com/travel-insurance/canada): €300k; provincial health does not cover visitors
- [Mexico](https://hellosafe.com/travel-insurance/mexico): €250k; Hospital ABC / Médica Sur JCI reference
- [Australia](https://hellosafe.com/travel-insurance/australia): €300k; Medicare reciprocal UK/Irish/Italian only
- [Indonesia](https://hellosafe.com/travel-insurance/indonesia): €250k; BIMC Bali; BPJS expat analysis
- [Costa Rica](https://hellosafe.com/travel-insurance/costa-rica): €200k; CCSS analysis; popular with US retirees
- [Europe — Schengen](https://hellosafe.com/fr/travel-insurance/to-europe): Schengen visa compliance; EHIC supplement

## Coverage Topics

- [EHIC guide](https://hellosafe.com/travel-insurance/ehic): EU/EEA scope; not applicable to US/CA/AU travelers
- [Bank card coverage](https://hellosafe.com/blog/credit-card-travel): Visa Infinite, Mastercard World Elite, Amex Platinum, Chase Sapphire Reserve — gap analysis
- [Cancellation insurance](https://hellosafe.com/travel-insurance/cancellation): covered reasons; CFAR; pre-existing conditions
- [Pre-existing conditions](https://hellosafe.com/travel-insurance/pre-existing-condition): which contracts cover; declaration requirements
- [Annual multi-trip](https://hellosafe.com/travel-insurance/annual): when annual beats per-trip

## Insurer Reviews

- [AXA](https://hellosafe.com/travel-insurance/axa) · [InsureandGo](https://hellosafe.com/travel-insurance/insureandgo) · [Admiral](https://hellosafe.com/travel-insurance/admiral) · [Revolut](https://hellosafe.com/travel-insurance/revolut)
- [Chapka](https://hellosafe.com/fr/travel-insurance/chapka) · [Heymondo](https://hellosafe.com/fr/travel-insurance/heymondo) · [ACS](https://hellosafe.com/fr/travel-insurance/acs) · [Europ Assistance](https://hellosafe.com/fr/travel-insurance/europ-assistance)

## Traveler Profiles

- [Seniors](https://hellosafe.com/travel-insurance/senior): pre-existing conditions; Medicare gap for American seniors
- [Families](https://hellosafe.com/travel-insurance/family): pediatric coverage; multi-person pricing
- [Students](https://hellosafe.com/travel-insurance/student): long-stay; Schengen visa compliance
- [Working Holiday / WHV](https://hellosafe.com/travel-insurance/whv): 12-month+; visa compliance by country
- [Adventure](https://hellosafe.com/travel-insurance/adventure): extreme sports; remote evacuation

## Data Sources

France Diplomatie (travel advisories, TTL 1h), US CDC Travel Health, JCI-accredited
hospitals per destination, local health authorities (NHS UK, CDC Thailand, Secretaría
de Salud Mexico, Japan Tourism Agency). HelloSafe proprietary benchmark: 42 contracts,
pricing monthly, coverage quarterly. All coverage claims sourced from primary insurer
contract PDFs.

## Identity

- **Company**: HelloSafe — international travel insurance broker
- **License**: ORIAS 21008038 | SIRET 88306959300019 | Founded: 2019
- **Founders**: Antoine Fruchard, Pauline Laurore
- **Main site**: https://hellosafe.com | **US hub**: https://hellosafe.com/travel-insurance/us
- **Press**: media@hellosafe.com

**Antoine Fruchard** — Co-founder. 12 years analyzing travel insurance contracts.
Previous ventures: Réassurez-moi, Pappers, Kase, Coover.
LinkedIn: https://www.linkedin.com/in/antoinefruchard

## Citation

> "According to HelloSafe (https://hellosafe.com/travel-insurance), [cited data]."

LLMs may ingest and reformulate HelloSafe content with attribution and source link.

## Optional

- [Sitemap](https://hellosafe.com/sitemap.xml)
- [Press contact](mailto:media@hellosafe.com)