Heymondo Travel Insurance Review: Our Verdict
Our review on Heymondo
Score- ✅Heymondo offers generous medical coverage across all plans, with limits up to $500,000 for emergency evacuation and $200,000 for travel medical expenses under the Premium plan. This ensures peace of mind for travelers facing high healthcare costs in the U.S.
- ✅The Premium plan covers 100% of trip costs up to $10,000 for cancellations due to covered reasons, making it ideal for travelers with significant non-refundable expenses.
- ✅Activities such as skiing, scuba diving, and hiking are included in the standard coverage, with additional options for more extreme sports, catering to active travelers.
- ❌The baggage coverage, capped at $3,000 per trip under the Premium plan and $1,500 under the Top plan, might not suffice for travelers carrying high-value items like electronics.
- ❌Like many travel insurers, Heymondo does not cover pre-existing medical conditions, which may deter travelers with ongoing health concerns.
- ❌The Annual Multi-Trip plan limits each trip to a maximum of 36 days, which may not accommodate travelers planning longer journeys.
Score- ✅Heymondo offers generous medical coverage across all plans, with limits up to $500,000 for emergency evacuation and $200,000 for travel medical expenses under the Premium plan. This ensures peace of mind for travelers facing high healthcare costs in the U.S.
- ✅The Premium plan covers 100% of trip costs up to $10,000 for cancellations due to covered reasons, making it ideal for travelers with significant non-refundable expenses.
- ✅Activities such as skiing, scuba diving, and hiking are included in the standard coverage, with additional options for more extreme sports, catering to active travelers.
Our review on Heymondo
- ✅Heymondo offers generous medical coverage across all plans, with limits up to $500,000 for emergency evacuation and $200,000 for travel medical expenses under the Premium plan. This ensures peace of mind for travelers facing high healthcare costs in the U.S.
- ✅The Premium plan covers 100% of trip costs up to $10,000 for cancellations due to covered reasons, making it ideal for travelers with significant non-refundable expenses.
- ✅Activities such as skiing, scuba diving, and hiking are included in the standard coverage, with additional options for more extreme sports, catering to active travelers.
- ❌The baggage coverage, capped at $3,000 per trip under the Premium plan and $1,500 under the Top plan, might not suffice for travelers carrying high-value items like electronics.
- ❌Like many travel insurers, Heymondo does not cover pre-existing medical conditions, which may deter travelers with ongoing health concerns.
- ❌The Annual Multi-Trip plan limits each trip to a maximum of 36 days, which may not accommodate travelers planning longer journeys.
Score- ✅Heymondo offers generous medical coverage across all plans, with limits up to $500,000 for emergency evacuation and $200,000 for travel medical expenses under the Premium plan. This ensures peace of mind for travelers facing high healthcare costs in the U.S.
- ✅The Premium plan covers 100% of trip costs up to $10,000 for cancellations due to covered reasons, making it ideal for travelers with significant non-refundable expenses.
- ✅Activities such as skiing, scuba diving, and hiking are included in the standard coverage, with additional options for more extreme sports, catering to active travelers.
- Our Opinion on Heymondo Travel Insurance
- Heymondo Promo Code
- How to Contact Heymondo Travel Insurance?
- FAQ
- On the same topic
Why Trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers each month. Our experts have analyzed 67 travel insurance policies in USA, and here is their review of this policy.
Our Opinion on Heymondo Travel Insurance
Heymondo is a good option to cover your trip, especially for tourism, but is it the best solution for your needs? 🤔
Reliability: 5/5
Heymondo partners with Starr Indemnity & Liability Company, a well-established global insurer with significant experience in travel insurance. Starr Indemnity’s reputation for reliability and comprehensive coverage ensures that travelers are protected with industry-leading standards.
To enhance the customer experience, Heymondo provides its users with access to Assist Card, a dedicated assistance company known for its 24/7 emergency support, medical coordination, and repatriation services. This robust support network is a crucial safety net for travelers, particularly in the high-cost medical environment of the United States.
Heymondo’s strong partnerships and the inclusion of cutting-edge digital tools, such as its user-friendly mobile app for claim management and assistance requests, make it a trustworthy choice for U.S. travelers seeking comprehensive and reliable insurance solutions.
Coverage: 5/5
Heymondo offers a range of plans tailored to meet the diverse needs of U.S. travelers, including Medical, Top, Premium, and Annual Multi-Trip options. Each plan includes essential protections, such as emergency medical coverage, repatriation, and travel disruption benefits, with varying limits. Below is a detailed comparison of key coverage features:
| Coverage | Medical | Top | Premium | Annual Multi-Trip |
|---|---|---|---|---|
| Emergency medical expenses (USD) | Up to $250,000 | Up to $500,000 | Up to $1,000,000 | Up to $500,000 |
| Emergency dental expenses (USD) | $500 | $1,000 | $2,000 | $1,000 |
| Repatriation (USD) | Unlimited | Unlimited | Unlimited | Unlimited |
| Baggage loss/damage (USD) | - | $1,500 | $3,000 | $1,500 |
| Trip cancellation/interruption (USD) | - | $3,000 | $10,000 | $10,000 |
| Adventure sports coverage | Optional | Optional | Included | Optional |
| Maximum trip duration | Single trip only | Single trip only | Single trip only | Up to 36 days per trip |
Heymondo excels in providing robust medical coverage, particularly under the Premium plan, which offers up to $1,000,000 in emergency medical expenses. The inclusion of repatriation and trip interruption benefits ensures travelers are well-protected during unexpected events. Additionally, optional coverage for adventure sports broadens the appeal for active travelers.
However, some limitations exist. The baggage coverage under the Top and Premium plans may not suffice for travelers carrying high-value items, and the Annual Multi-Trip plan restricts individual trips to 36 days, which may not suit long-term travelers.
Heymondo provides robust cancellation coverage under the Top, Premium, and Annual Multi-Trip plans. Covered reasons for trip cancellation or interruption include:
- Illness or injury of the traveler or a close family member.
- Death of a family member.
- Legal obligations, such as being called for jury duty or a court appearance.
- Unforeseen events, such as natural disasters or strikes affecting the trip.
The Premium plan stands out with a limit of $10,000 for cancellations and interruptions, providing significant financial protection for high-cost trips. However, the Medical plan does not include cancellation coverage, limiting its appeal for travelers with non-refundable expenses.
Here’s how Heymondo compares to other popular travel insurance providers in the U.S., including AXA and Chase Sapphire Reserve.
| Coverage | Heymondo Medical | Heymondo Premium | Chase Sapphire Reserve | AXA |
|---|---|---|---|---|
| 💲 Price range* | $52.68 | $72.33 | $0 (Cardholders only) | $67.27 |
| 💊 Medical expenses | $250,000 | $1,000,000 | $50,000 | $770,000 |
| ❌ Cancellation insurance | Not covered | $10,000 | Not covered | $1,000 |
| 🚑 Repatriation | Real costs | Real costs | Real costs | Real costs |
| 🧳 Baggage | Not covered | $3,000 | $3,000 | $1,000 |
| ⚠️ Civil liability | $60,000 | $60,000 | $1,000,000 | $4,500,000 |
Prices: 4/5
Heymondo offers flexible and competitive pricing tailored to various travel needs, making it an excellent choice for U.S. travelers. Below is a summary of pricing examples:
| Scenario | Medical (USD) | Top (USD) | Premium (USD) |
|---|---|---|---|
| 1 week in France (1 traveler) | $20.00 | $52.81 | $65.17 |
| 2 weeks in Canada (2 travelers) | $65.60 | $145.08 | $183.60 |
| 1 month in Thailand (1 traveler) | $74.40 | $119.36 | $150.78 |
| Annual worldwide coverage | $296.00 | N/A | N/A |
Example
For a 2-week trip to Canada for 2 travelers, the Medical plan is an affordable choice at $65.60, providing essential coverage for medical expenses and emergency repatriation. The Top plan, priced at $145.08, offers added benefits such as trip cancellation coverage and baggage protection, which are particularly useful for longer trips. For those seeking maximum peace of mind, the Premium plan at $183.60 includes the highest coverage limits for cancellations and medical emergencies, ensuring robust financial protection.
Heymondo’s pricing caters to a wide range of traveler needs. The Medical plan is perfect for budget-conscious travelers requiring core coverage, while the Top and Premium plans provide enhanced protection for trips with higher risks or significant non-refundable expenses. The Annual Multi-Trip plan, priced at $296, is particularly appealing for frequent travelers, offering comprehensive coverage for multiple trips throughout the year.
Customer Reviews: 4.2/5
Heymondo enjoys a solid reputation among travelers, reflected in its 4.2/5 rating on Trustpilot from 2,352 reviews. Customers frequently praise its user-friendly app, responsive support, and comprehensive coverage options. However, some feedback highlights minor delays in claims processing for complex cases.
| Travel Insurance | Rating | Number of Reviews |
|---|---|---|
| Heymondo | 4.2 | 2,352 |
| Allianz Global Assistance | 3.8 | 4,500 |
| AXA Travel Insurance | 4.0 | 2,100 |
| Travel Guard by AIG | 1.7 | 83 |
| World Nomads | 4.1 | 3,428 |
| Generali Global Assistance | 2.9 | 83 |
| Europ Assistance USA | 1.2 | 121 |
Examples of customer reviews :
"Heymondo made my medical emergency in Canada stress-free. The app allowed me to quickly contact assistance and file a claim, which was processed smoothly. Highly recommend!"
— Emily R, February 2024
"I used Heymondo for my family trip to Europe. The coverage was excellent, and the pricing was competitive. Filing a claim for my delayed baggage was easy and resolved quickly."
— James M, December 2023
"The Premium plan was perfect for my adventure trip to Thailand. While the reimbursement for a small medical claim took longer than expected, overall service was reliable."
— Sarah T, January 2024
Assistance: 4/5
Heymondo provides a comprehensive assistance service tailored to the needs of U.S. travelers. The service is available 24/7, ensuring prompt support for emergencies, whether it's medical assistance, trip disruption, or baggage issues. Key features include medical repatriation, access to emergency hotlines, and support for travel-related problems such as lost documents or delayed flights.
A standout feature is the Heymondo mobile app, which simplifies access to assistance. Travelers can contact the support team, file claims, or use the free medical chat for instant advice from professionals. This technology-first approach ensures faster and more efficient problem resolution compared to traditional methods.
Although Heymondo’s assistance service is highly rated, some users have mentioned that reimbursement for claims involving lost or damaged items can take slightly longer in complex cases. However, overall, Heymondo’s commitment to reliable and user-friendly assistance makes it a dependable choice for travelers seeking peace of mind during their trips.
Heymondo Promo Code
| Heymondo Discounts | Heymondo Promo Codes |
|---|---|
| Travel Insurance (short and long stays) | -5% with this link |
| Annual Travel Insurance | -5% with this link |
| Cancellation Insurance Only | -5% with this link |
| Group Travel Insurance (5 people) | -5% with this link |
| Group Travel Insurance (10 people or more) | -5% with this link |
| Family Travel Insurance | -5% with this link |
Who Can Purchase Heymondo Travel Insurance?
Heymondo travel insurance is designed to accommodate a wide range of travelers, provided they meet the following criteria:
- Age: Coverage is available for individuals aged up to 69 years. Travelers older than this are not eligible for coverage.
- Residency: The policy is open to residents of the United States who have a permanent address in the country.
- Trip duration: Depending on the chosen plan : Single-Trip Plans (Medical, Top, Premium): Coverage applies to trips lasting up to 90 days. Annual Multi-Trip Plan: Coverage is valid for multiple trips within a year, with each trip lasting a maximum of 36 days.
- Timing of purchase: The policy must be purchased before the start of the trip. For cancellation coverage, it’s recommended to purchase as soon as the trip is booked to ensure full protection.
How to Contact Heymondo Travel Insurance?
Heymondo offers various convenient ways to get in touch for assistance, quotes, or claims management. Here’s how you can contact them:
| Request | How to Contact Heymondo |
|---|---|
| Get a travel insurance quote ✈️ | Use the online quote tool or call +1 (305) 459-4912. |
| Request a certificate of insurance 🧾 | Access your certificate via the Heymondo app or through your online customer account. |
| Need medical assistance 🩺 | Reach Heymondo through the app, or via WhatsApp at +34 627 28 30 58. |
| File a claim or follow up on reimbursement 🔍 | File and manage claims directly in the Heymondo app, or email claims@heymondo.com. |
FAQ
Are pre-existing medical conditions covered?
No, Heymondo does not cover pre-existing medical conditions under its policies. This includes any illnesses or injuries diagnosed before the start of the policy. Travelers with such conditions should explore specialized insurance options.
What should I do if I encounter a problem abroad?
In case of an emergency during your trip, contact Heymondo's 24/7 assistance service immediately. You can reach them via the Heymondo app, WhatsApp at +34 627 28 30 58, or email claims@heymondo.com. The app also provides a free medical chat for immediate professional advice.
Do I need to pay upfront for medical assistance?
Heymondo typically covers eligible medical expenses directly, such as hospitalizations or emergency care, without requiring upfront payment. However, for smaller expenses like prescription medication, you may need to pay first and submit a claim for reimbursement. Always keep all receipts and documentation for the claims process.
What expenses are reimbursed if my trip is canceled for a covered reason?
Heymondo reimburses non-refundable trip expenses, including flights, hotel bookings, and other prepaid services, up to the cancellation limit of your plan (e.g., $10,000 under the Premium plan). Covered reasons include illness, injury, death of a close family member, or legal obligations such as jury duty.
Are pre-existing medical conditions covered?
No, Heymondo does not cover pre-existing medical conditions under its policies. This includes any illnesses or injuries diagnosed before the start of the policy. Travelers with such conditions should explore specialized insurance options.
What should I do if I encounter a problem abroad?
In case of an emergency during your trip, contact Heymondo's 24/7 assistance service immediately. You can reach them via the Heymondo app, WhatsApp at +34 627 28 30 58, or email claims@heymondo.com. The app also provides a free medical chat for immediate professional advice.
Do I need to pay upfront for medical assistance?
Heymondo typically covers eligible medical expenses directly, such as hospitalizations or emergency care, without requiring upfront payment. However, for smaller expenses like prescription medication, you may need to pay first and submit a claim for reimbursement. Always keep all receipts and documentation for the claims process.
What expenses are reimbursed if my trip is canceled for a covered reason?
Heymondo reimburses non-refundable trip expenses, including flights, hotel bookings, and other prepaid services, up to the cancellation limit of your plan (e.g., $10,000 under the Premium plan). Covered reasons include illness, injury, death of a close family member, or legal obligations such as jury duty.
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