Heymondo Travel Insurance Review 2026: US Plans, Real Prices and Cheaper Alternatives

Our Heymondo travel insurance review gives the brand 4.5/5: a fairly priced, app-first policy underwritten by Starr Indemnity & Liability Company, with $100,000 to $200,000 of emergency medical coverage, no deductible and no age loading up to 79, held back by a 180-day pre-existing condition look-back and medical limits below the best plans sold in the US.

Heymondo is a travel insurance broker founded in Barcelona in 2017 by Ricard Domenech and David Pérez, majority-owned by the investment firm JC Flowers since 2025 and present in Spain, Italy, France, Portugal, Romania and, since 2023, the United States. For US residents the plans are sold as Gallagher Heymondo: Starr Indemnity & Liability Company underwrites them, Starr Underwriting Agency administers them and Arthur J. Gallagher Risk Management Services distributes them. For this review we read the three sample policies attached to the US quoter (26 pages for the Top plan), ran two real quotes as a New York resident on September 8, 2026, and compared the results with the plans a US resident can buy through HelloSafe for the same trips.

The positioning is simple. Heymondo sells three single-trip plans that differ almost only by their limits, asks for no age and no trip cost in its quoter, and bundles what many US insurers sell as add-ons: adventure sports, cruise travel, trip delay, a $1,000 advance to the hospital and 24/7 medical chat through its app. Its limits, though, are modest by US standards: $100,000 of medical coverage on the Top plan, when plans available through HelloSafe start at about $280,000 for a lower price on a two-week trip to Europe.

Three clauses deserve attention before you buy. Any condition for which you received advice, care or treatment in the 180 days before the policy takes effect is excluded, with no waiver on offer. Expenses not approved in advance by the assistance company are excluded, so the emergency number has to be called before treatment whenever possible. And the Top plan's cancellation benefit stops at $2,500 of trip cost, which rules it out for most package tours.

• ✓
  Price does not depend on age: The US quoter asks for residence, destination and dates only; a 34-year-old and a 78-year-old pay the same $65.08 for 7 days in Mexico on the Top plan (quote of September 8, 2026)
• ✓
  No deductible on medical expenses: $100,000 (Medical, Top) or $200,000 (Premium) of emergency medical and dental coverage with a $0 deductible, plus a $1,000 advance to the hospital to secure admission (sample policies LT 007-NY and LT 009-NY)
• ✓
  Adventure sports and cruises included: Hiking, cycling, scuba diving with a dive master to 100 feet, skiing, rafting up to grade 4 and mountain climbing to 15,000 feet are covered without a surcharge
• ✓
  A 14-day free look: Cancel in writing within 14 days of purchase, before departure, and the premium is refunded in full if no claim has been filed
• ✓
  Wide list of covered cancellation reasons: Illness or death of a family member, business partner or child's caregiver, carrier breakdown or strike of 48 hours, supplier bankruptcy, terrorism within 50 miles of an itinerary city, stolen passport, jury duty, quarantine
• ✓
  Trustpilot 4.3/5 on 3,801 reviews: 75% of reviewers give five stars, mostly for the buying process, the app and the support team (heymondo.com profile, September 8, 2026)

• ✕
  180-day pre-existing condition look-back: Any injury, sickness or condition treated, diagnosed or advised on in the 180 days before the effective date is excluded from medical, evacuation and cancellation coverage, and no waiver is offered
• ✕
  Medical limits below the US market: $100,000 on Top and $200,000 on Premium, when a two-week trip to Italy through HelloSafe buys about $280,000 of medical coverage for $65.50
• ✕
  No personal liability coverage: None of the three US plans covers damage or injury you cause to someone else
• ✕
  Cancellation capped at $2,500 on Top: Only the Premium plan insures a trip costing up to $10,000; the Medical plan has no cancellation coverage at all
• ✕
  Prior approval and paperwork: Expenses the assistance company did not approve in advance are excluded, notice of claim is due within 20 days and proof of loss within 120 days, and one-star reviews (12% of the 3,801 on Trustpilot) most often mention slow reimbursements and documents requested twice

For a US resident, Heymondo sells three single-trip plans, Medical, Top and Premium, that share the same policy wording and differ by their limits: the right one depends on how much your trip costs and how much medical coverage you want, since the quoter asks for neither your age nor your health history.

Heymondo Medical: emergency coverage only, from $20.00 a week

The Medical plan costs $20.00 for 7 days in Mexico and $42.79 for 14 days in Italy (New York resident, quotes of September 8, 2026). It carries the same $100,000 of emergency medical and dental coverage and $250,000 of evacuation as the Top plan, but no trip cancellation or interruption benefit, $250 of baggage coverage with a $100 per-article limit, and a $50 baggage delay benefit that only starts after 24 hours. It suits a traveler whose flights and hotel are refundable, or already covered by a credit card, and who wants the hospital risk covered.

Heymondo Top: the mid-range plan with a $2,500 cancellation cap

The Top plan costs $65.08 for 7 days in Mexico and $92.73 for 14 days in Italy. Medical coverage stays at $100,000 and evacuation at $250,000; the plan adds trip cancellation and interruption up to $2,500, $1,500 of baggage coverage ($250 per article), $500 of trip delay after 6 hours, $500 for a missed connection after 3 hours, a $150 airline ticket change fee and $5,000 of accidental death coverage. The $2,500 ceiling is the number to check: a trip that costs more is only partly refunded.

Heymondo Premium: double the medical limit and a $10,000 cancellation cap

The Premium plan costs $76.89 for 7 days in Mexico and $112.77 for 14 days in Italy, or $11.81 to $20.04 more than Top. For that it doubles medical coverage to $200,000 and evacuation to $500,000, insures a trip cost up to $10,000, raises trip delay to $3,000 ($200 a day), missed connection to $750, natural disaster evacuation to $50,000 and accidental death to $10,000. Baggage is shown at $3,000 on the quoter, with $250 per article. For any trip that costs more than $2,500, or any destination where a hospital stay runs into six figures, Premium is the only Heymondo plan we would consider.

Beyond these three plans, Heymondo sells US residents an Annual Multi-Trip plan for travelers up to 69, detailed further down in the section on its other products. The Long Stay plan for digital nomads and the round-the-world formula are not available to US residents.

Heymondo travel insurance pays emergency medical and dental bills up to $100,000 or $200,000 with no deductible, evacuation up to $250,000 or $500,000, trip cancellation up to 100% of a trip cost capped at $2,500 (Top) or $10,000 (Premium), baggage up to $3,000, and trip delay up to $3,000, according to the Starr Indemnity sample policies attached to the US quoter.

The table below lists the limits of the three single-trip plans as printed in the sample policies and shown by the quoter for a New York resident, and puts them next to the best level available to a US resident through HelloSafe for the same guarantee.

Three readings of this table. First, the medical limit is the weak point: $100,000 covers a broken leg in Cancun or an appendectomy in Rome, but a week in intensive care in Tokyo or a cardiac procedure in Miami can pass it, and Heymondo pays only reasonable and customary charges, so anything above them is yours. Second, the evacuation limit of $250,000 on Medical and Top is adequate for Europe and Latin America but tight for an air ambulance from Southeast Asia, which is why Premium's $500,000 matters for long-haul trips. Third, Heymondo covers what is often optional elsewhere, including adventure sports, cruises, missed connections, natural disaster evacuation and a hospital advance, so the plan is richer in benefits than in limits.

On cancellation, the policy lists 14 numbered unforeseen events. They include your own illness, injury or death and that of a traveling companion, family member, business partner or your children's caregiver, all certified by a physician; weather, natural disaster, terrorism or a mechanical breakdown that stops your carrier for 48 consecutive hours; a strike of the same length; the bankruptcy of a travel supplier, provided the policy was bought within 14 days of your first trip payment; a terrorist attack within 30 days of departure and 50 miles of a city on your itinerary; a documented theft of passports or visas; a traffic accident on the way to the airport; and being quarantined, hijacked, called for jury duty or subpoenaed. Losing your job, a change of mind or a travel warning are not on the list.

Besides its three single-trip plans, Heymondo sells US residents an Annual Multi-Trip plan for travelers up to 69, includes cruise travel in every plan at no extra cost, and does not offer its Long Stay plan, its round-the-world formula or a cancel-for-any-reason option to US residents.

The annual plan is worth a calculation once it is quoted: with a 36-day cap per trip and $100,000 of medical coverage, it replaces the Top plan for a traveler who takes three or more trips a year, but not the Premium plan, whose $200,000 medical limit and $10,000 cancellation cap it does not match. Our comparison of annual travel insurance for US residents lists the alternatives from two trips a year.

Heymondo does not pay for pre-existing conditions treated in the 180 days before the policy starts, expenses not approved by its assistance company, losses while intoxicated over the legal limit, competitive or professional sports, mountaineering with ropes, skydiving, rock climbing, phones and computers in a lost bag, or any trip taken against a physician's advice.

• ✕
  Pre-existing conditions: Any injury, sickness or condition of you, a traveling companion or a family member booked with you for which advice, diagnosis, care or treatment was recommended or received in the 180 days before the effective date; a condition kept stable on an unchanged prescription is not counted
• ✕
  Expenses without prior approval: Services not shown as covered and expenses not approved in advance by the designated assistance company are excluded from every benefit
• ✕
  High-risk sports: Bodily contact sports, skydiving, parachuting, hang gliding, mountaineering where ropes or guides are normally used, rock climbing, caving, bungee jumping, any race by horse, motor vehicle or motorcycle, and scuba diving deeper than 100 feet or without a dive master
• ✕
  Competition and professional sport: Participation as a professional athlete or in organized amateur or interscholastic competitions
• ✕
  Alcohol and drugs: Claims resulting from being intoxicated above the legal limit or under the influence of narcotics not prescribed by a physician
• ✕
  Pregnancy and routine care: Pregnancy and childbirth except unforeseen complications requiring hospitalization; routine examinations, eyeglasses, hearing aids and any non-emergency treatment
• ✕
  Excluded property: Money, documents, keys, eyeglasses, hearing aids, telephones, computer hardware and software, business equipment, art and musical instruments are outside the baggage benefit; jewelry, watches and cameras share a combined limit of $750 (Top) or $1,250 (Premium)
• ✕
  War, riot and medical tourism: War and civil war, participation in a riot or felony, traveling for the purpose of securing medical treatment, and travel against the advice of a physician

Which sports are covered, and which are not

The Gallagher Heymondo plan pages list the activities covered without a surcharge: cycling, hiking, backpacking and camping, mountain climbing up to 15,000 feet, fishing, snorkeling, scuba diving to 40 meters for certified divers and 30 meters for others, rafting up to grade 4, canoeing and kayaking, water skiing, sailing, skiing, snowboarding, snowmobiling, tobogganing, snow tubing and ice skating. The policy wording, amended by endorsement, keeps the exclusions listed above. On scuba diving the two documents differ: the plan pages say 40 meters (about 130 feet) for certified divers, while the sample policy covers dives only with a dive master and no deeper than 100 feet; the policy is the binding text, so plan on 100 feet.

A trip built around skydiving, technical climbing, caving, motor racing or a summit above 15,000 feet is therefore outside every Heymondo plan. The Epic Plan and the Standard Plan, both available to US residents through HelloSafe, list more than 250 covered activities including high-altitude trekking, and our guide to World Nomads travel insurance for US travelers details their sports wording.

Heymondo travel insurance costs $20.00 (Medical), $65.08 (Top) or $76.89 (Premium) for 7 days in Mexico and $42.79, $92.73 or $112.77 for 14 days in Italy, for one New York resident on the Gallagher Heymondo quoter of September 8, 2026, whatever the traveler's age.

Two features of the pricing stand out. The quoter never asks your age, so the price is identical at 25 and at 78, which is rare in the US market where most insurers price by age band. And it never asks the cost of your trip, because cancellation is bundled up to a fixed cap ($2,500 on Top, $10,000 on Premium) rather than priced on the amount you insure: a $9,000 cruise and a $900 weekend getaway pay the same premium on Premium, which is good value for the first and expensive for the second.

The question that matters is whether the same trip costs less with comparable coverage through HelloSafe. We ran the same two trips on the HelloSafe comparison for a US resident on the same day.

Read honestly, the comparison cuts both ways. For a two-week trip to Europe, Go Explore and Go Explore + undercut the Top and Premium plans by $25 to $27 while carrying 2.8 times the medical limit and personal liability coverage Heymondo does not have; what they lack is trip cancellation, which Heymondo bundles. For a one-week trip to Mexico the two are priced within 42 cents of each other, and the choice is between Heymondo's $2,500 cancellation benefit and Go Explore's $280,000 medical limit. And for a traveler who only wants the hospital risk covered, Heymondo's Medical plan at $42.79 is the cheapest option of all; we simply would not carry $100,000 of medical coverage to a country where a hospital week costs more.

The plans sold to US residents by Faye, World Nomads and VisitorsCoverage through HelloSafe show a starting rate rather than a fixed total: Smart Travel Protection from $5.16 a day, Atlas International from $5.90, Standard Plan from $6.50 and Epic Plan from $12.50, with the final price calculated on the partner's site from your trip cost and dates. They matter here because they carry what Heymondo lacks: cancellation up to $40,000 with a cancel-for-any-reason add-on, pre-existing condition coverage and 250 or more listed activities. Our guide to trip cancellation insurance explains how the trip-cost pricing of those plans works.

Heymondo discount code: what the promotions are worth

Heymondo runs percentage discount campaigns on its site around dates such as Black Friday and the start of summer, and affiliate blogs carry 5% to 15% codes. On the $92.73 Top plan for two weeks in Italy, a 15% code saves $13.91, half the $27.23 gap with Go Explore for the same trip, a plan that carries close to three times the medical limit. Compare the limits for your destination first, then apply the code if Heymondo still wins.

Heymondo claims for US policies are handled by Administrative Concepts in Collegeville, Pennsylvania: you notify the claim within 20 days of the loss, file proof of loss within 120 days, and Starr Indemnity pays in US dollars once the written proof is accepted, directly to the hospital when it chooses to.

1. Call the assistance line before treatment
   +1 (786) 838-0757, 24/7, or the free call button in the app; the assistance company must approve expenses and organize any evacuation, and it can advance up to $1,000 to the hospital to secure admission
2. Notify the claim within 20 days
   Written notice to Administrative Concepts, PO Box 4000, Collegeville, PA 19426, by phone at +1 (800) 567-3512, on the portal at portal.acitpa.com or through the app, quoting your name, the travel supplier and the policy number
3. Gather the evidence
   Itemized bills and a physician's report for medical claims, a police report within the local jurisdiction and original receipts for stolen baggage, the carrier's written confirmation for a delay, and cancellation invoices plus the physician's certificate for a cancellation
4. File proof of loss within 120 days
   On the claim forms sent within 15 days of your notice, or by a written statement of the loss if the forms do not arrive; late proof is accepted only when it was not reasonably possible to file in time, and never more than a year late
5. Receive payment
   Benefits are paid to you in US dollars, or at the insurer's option directly to the provider; the amount is reduced by anything already paid by another policy for the same loss

Three situations worked through on the Top plan

Hospital stay in Puerto Vallarta. A 34-year-old is admitted for a burst appendix and the bill reaches $28,000. The Top plan's $100,000 medical limit and $0 deductible cover it in full, provided the assistance company was called from the emergency room; Heymondo advances $1,000 to the hospital on admission and settles the rest against the itemized bill. A ten-day stay in intensive care at $15,000 a day would pass the limit, and the $50,000 above it would be the traveler's.

Cancellation for a broken ankle. Two weeks before a $3,400 trip to Italy, the traveler breaks an ankle and the physician advises against flying. Reason (a) of the policy applies. On the Top plan the refund stops at $2,500, the maximum trip cost insured, so $900 is lost; on the Premium plan the whole $3,400 is refunded. Losing a job, by contrast, is not one of the 14 listed events on either plan.

Backpack stolen in Rome. A bag containing clothes, a camera and a phone is stolen from a cafe. The traveler files a police report the same day. The Top plan pays up to $1,500 in total and $250 per article, with the camera counting toward a $750 combined limit for valuables; the phone is excluded as computer hardware. A claim of $1,100 of clothes plus the camera would settle at $250 per article.

Heymondo scores 4.3/5 on Trustpilot for heymondo.com, from 3,801 reviews read on September 8, 2026: 75% five stars, 8% four stars and 12% one star, with praise concentrated on the buying process, the app and the support team, and complaints concentrated on the speed of claims.

What the positive reviews say: the website makes it easy to pick a plan in a few minutes, the documents arrive immediately, the app works offline and its free calls and medical chat answer quickly, and the support team is described as kind and responsive before and during the trip. Several reviewers mention being reimbursed without difficulty once the file was complete.

What the negative reviews say: claims that take a month or more, documents requested a second time after they were sent, an app registration that fails for some accounts, and phone or message replies that vary from minutes to days. These complaints match two clauses of the US policy, the prior approval of expenses and the written proof of loss, more than any gap in the coverage itself.

Our reading: a 4.3 average with 75% five-star reviews is solid for a travel insurer, whose customers mostly write in after a claim. The one-star share of 12% is higher than the 6% we measured on the brand's French profile, and it is almost entirely about the after-sale. A traveler who calls the assistance line before treatment, keeps every original bill and files within 20 days avoids most of the situations those reviews describe.

To reach Heymondo from abroad, US policyholders call the 24/7 emergency assistance line at +1 (786) 838-0757 or use the free internet call and medical chat in the app; general questions go to +1 (866) 466-7891 from Monday to Friday, 7 a.m. to 10 p.m. Eastern, and claims to Administrative Concepts at +1 (800) 567-3512.

Yes, within the 14-day free look: the US policy refunds the full premium if you cancel in writing within 14 days of purchase and before your scheduled departure date, provided no claim has been filed; after that window the premium is earned and the policy cannot be refunded.

The free look is written into the first page of the sample policies. The notice goes to the administrator or the insurer in writing, which in practice means an email to heymondo@insureresponse.com or a request through your online account, with your policy number. Heymondo's international help center describes a more generous practice of refunding a policy up to one month after purchase if the trip has not started, but the 14 days in the policy wording is the binding rule for a US plan.

Dates can also be changed before departure through your online account or the policy line, and the policy extends itself automatically, except for cancellation coverage, if your return is delayed by a covered event. Coverage ends at the scheduled return date, at the latest 180 days after departure on a single-trip plan.

The alternative to Heymondo depends on what stopped you: for a higher medical limit at a lower price on a trip to Europe, Go Explore and Go Explore +; for cancellation on an expensive trip, pre-existing conditions or a cancel-for-any-reason option, Smart Travel Protection; for adventure travel and long trips, the Standard Plan and the Epic Plan; for a $1,000,000 evacuation benefit, Atlas International.

If you are weighing Heymondo against other direct sellers, our reviews of AXA travel insurance, Allianz travel insurance, Booking.com travel insurance and Zurich travel insurance for US travelers apply the same reading grid. Travelers over 79 will find their options in our comparison of travel insurance for seniors, and anyone treated for a condition in the last six months in our guide to pre-existing condition travel insurance.

Recommended for youA. Fruchard · Co-Founder & Travel Insurance Expert

Our shortlist against Heymondo

You are treated abroad with the bill sent to the insurer, your evacuation is paid at its actual cost, and you are covered if you injure someone: that is what Go Explore does for $65.50 on 14 days in Italy, $27.23 less than Heymondo’s Top plan, with about $280,000 of medical coverage against $100,000 and no age loading up to 80. It carries no trip cancellation, so for a prepaid trip worth more than a few hundred dollars we would move to Smart Travel Protection, which insures the trip cost up to $40,000 with a cancel-for-any-reason add-on and accepts pre-existing conditions, priced on the partner’s site from $5.16 a day. For a long-haul destination where a hospital week costs six figures, Go Explore + at $86.88 and its roughly $570,000 medical limit is the plan we would put first.

Go ExploreInsured by MGEN

From$65.48

Included coverage

International emergency medical expenses$280,000

Emergency medical evacuation & repatriationActual costs

Trip cancellationNot included

Baggage & personal belongings$280

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Go Explore +Insured by MGEN

From$86.87

Included coverage

International emergency medical expenses$570,000

Emergency medical evacuation & repatriationActual costs

Trip cancellationNot included

Baggage & personal belongings$570

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Smart Travel ProtectionInsured by Faye

From$5.16

Included coverage

International emergency medical expenses$250,000

Emergency medical evacuation & repatriation$500,000

Trip cancellationOptional

Baggage & personal belongings$2,000

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Standard PlanInsured by World Nomads

From$6.50

Included coverage

International emergency medical expenses$400,000

Emergency medical evacuation & repatriationActual costs

Trip cancellationOptional

Baggage & personal belongings$1,000

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Atlas InternationalInsured by Visitors Coverage

From$5.90

Included coverage

International emergency medical expenses$500,000

Emergency medical evacuation & repatriation$1,000,000

Trip cancellationNot included

Baggage & personal belongings$1,000

See the 17 guaranteesGet a quote

Personalized quote · no commitment

Real HelloSafe quotes for 1 traveler aged 34, 14 days in Italy (November 5 to 18, 2026), US resident, no cancellation option, in US dollars. Captured September 8, 2026. Plans shown as "from" display the partner's starting rate per day; the final price is calculated on the partner's site. For this same trip, Heymondo's US site quoted $42.79 (Medical), $92.73 (Top) and $112.77 (Premium) on September 8, 2026.

To see every plan available to a US resident for your own dates, the travel insurance comparison shows real prices in dollars in 30 seconds; Heymondo's own contracts appear there only for residents of France, under the names Secure Bronze, Secure Silver and Secure Gold.

• Is Heymondo travel insurance legit?

  Yes. Heymondo is a Barcelona-based broker founded in 2017, majority-owned by JC Flowers since 2025, and its US plans are underwritten by Starr Indemnity & Liability Company, a Texas-domiciled insurer, administered by Starr Underwriting Agency and distributed by Arthur J. Gallagher Risk Management Services. Customers rate it 4.3/5 on Trustpilot from 3,801 reviews. The points to watch are contractual, not about solvency: the 180-day pre-existing condition look-back and the prior approval of expenses by the assistance company.

• Who underwrites Heymondo travel insurance in the United States?

  Starr Indemnity & Liability Company, part of Starr Insurance Companies, underwrites the Medical, Top, Premium and Annual Multi-Trip plans sold to US residents under the Gallagher Heymondo name. Claims are administered by Administrative Concepts in Collegeville, Pennsylvania. In its European markets Heymondo works with other insurers, which is why limits and prices differ from country to country.

• Does Heymondo cover pre-existing medical conditions?

  No. The US sample policies exclude any injury, sickness or condition for which medical advice, diagnosis, care or treatment was recommended or received in the 180 days before the effective date, for you, a traveling companion or a family member booked with you. A condition kept stable on an unchanged prescription is not counted as pre-existing. No waiver is offered. Travelers in that situation will find plans that accept pre-existing conditions, such as Smart Travel Protection, on the HelloSafe comparison.

• What is the difference between Heymondo Top and Premium?

  The limits. Premium doubles medical coverage from $100,000 to $200,000 and evacuation from $250,000 to $500,000, raises the insured trip cost from $2,500 to $10,000, trip delay from $500 to $3,000, baggage from $1,500 to $3,000 and accidental death from $5,000 to $10,000. The price difference was $11.81 for 7 days in Mexico ($65.08 against $76.89) and $20.04 for 14 days in Italy ($92.73 against $112.77) on September 8, 2026.

• How much does Heymondo travel insurance cost for a week?

  For one New York resident and 7 days in Mexico, the Gallagher Heymondo quoter charged $20.00 for the Medical plan, $65.08 for Top and $76.89 for Premium on September 8, 2026. The price does not change with the traveler’s age or the cost of the trip; it varies with the destination and the number of days. For 14 days in Italy the same plans cost $42.79, $92.73 and $112.77.

• Is there a Heymondo discount code?

  Heymondo runs percentage promotions on its site around events such as Black Friday and early summer, and travel blogs carry codes worth 5% to 15%. Before applying one, compare the limits: for 14 days in Italy, Go Explore through HelloSafe cost $65.50 with about $280,000 of medical coverage, less than the Top plan at $92.73 even after a 15% discount ($78.82), with almost three times the medical limit.

• Does Heymondo cover adventure sports and cruises?

  Yes, on every US plan and without a surcharge: hiking, cycling, camping, mountain climbing up to 15,000 feet, snorkeling, scuba diving with a dive master to 100 feet, rafting up to grade 4, kayaking, sailing, skiing, snowboarding and snowmobiling are listed as covered, and cruise travel is included. Skydiving, hang gliding, mountaineering with ropes, rock climbing, caving, bungee jumping, motor racing and any competition remain excluded.

• How do I file a claim with Heymondo?

  Call the assistance line at +1 (786) 838-0757 before treatment so that the expenses are approved, then notify the claim within 20 days to Administrative Concepts (PO Box 4000, Collegeville, PA 19426, +1 (800) 567-3512, portal.acitpa.com or the Heymondo app) and send proof of loss within 120 days: itemized bills, the physician’s report, a police report for a theft or the carrier’s confirmation for a delay. Benefits are paid in US dollars, to you or directly to the hospital.

• Can I cancel my Heymondo policy and get a refund?

  Yes, within 14 days of purchase and before your scheduled departure date, in writing, as long as you have not filed a claim: the US policy then refunds the premium in full. Heymondo’s international help center describes a one-month refund practice for trips that have not started, but the 14-day free look in the policy wording is the binding rule for the Starr plans.

• Heymondo or World Nomads for a US traveler?

  Choose Heymondo for a traveler over 70 (World Nomads stops at 70 on the Standard Plan, Heymondo at 79), for a bundled price that ignores age, and for cruises. Choose World Nomads’ Standard Plan or Epic Plan, available through HelloSafe from $6.50 and $12.50 a day, for a higher medical limit ($400,000 to $500,000), 250 or more covered activities including high-altitude trekking, cancellation up to $15,000 on the Epic Plan and the option to buy or extend while already traveling.

• Is there an age limit on Heymondo travel insurance?

  Yes: 79 at purchase on the single-trip Medical, Top and Premium plans, and 69 on the Annual Multi-Trip plan, according to the Gallagher Heymondo quoter and plan pages. The price is the same at every age below those limits. Beyond 79, Smart Travel Protection accepts travelers up to 99 and Go Explore up to 80 on the HelloSafe comparison.

• Can I buy Heymondo through HelloSafe?

  Only if you live in France: Heymondo’s European contracts are distributed by HelloSafe under the names Secure Bronze, Secure Silver and Secure Gold, for residents of France and its overseas departments. The US plans reviewed here are sold directly by Gallagher Heymondo. A US resident comparing on HelloSafe sees Go Explore, Go Explore +, Smart Travel Protection, the World Nomads plans and Atlas International, priced for the same trip.

Updated September 2026. Heymondo prices captured on the Gallagher Heymondo quoter and HelloSafe quotes calculated on September 8, 2026; coverage limits taken from the Starr Indemnity sample policies (LT 007-NY, LT 009-NY) and from heymondo.com.