4.8
668 reviews
Secure Gold is covered by IMA Assurances (Inter Mutuelles Assistance), one of France's largest travel-assistance groups, with a 24/7 assistance line. It's a premium policy with a clear priority: medical care and assistance abroad, where a hospital stay gets expensive fast. The rest of the cover sits around the market average. A good fit for a leisure trip, especially to a destination where healthcare is costly.
A leisure trip, especially to the US or Canada.
You ski, you climb, or you travel past age 74.
Score computed from the offer's real guarantees, across 6 key criteria (0 to 100).
A single index combining cover quality and price position, then broken down into the two figures that actually matter.
Sample quote used for the comparison: Trip to the United States · 11 days · traveller aged 30.
Indicative prices · Trip to the United States · 11 days · traveller aged 30 · collected on June 5, 2026 from the offers compared on HelloSafe.
Amounts converted from euros at today's rate, for guidance only.
Secure Gold against the closest-priced offers on this quote: at a similar price, the level of cover varies a lot.
| Key limits | Secure Gold | Go Explore | Safe Start | SafeTrip Tourism | Go Explore + |
|---|---|---|---|---|---|
| Price on this quote | $104.85 | $93 | $98 | $113 | $117 |
| Overall index | 76/100 | 42/100 | 47/100 | 56/100 | 45/100 |
| Medical costs US / Canada | $2,800,000 | $280,000 | $570,000 | $570,000 | $570,000 |
| Cancellation | Trip price | Not covered | Not covered | Trip price | Not covered |
| Baggage | $4,500 | $280 | $2,300 | $1,700 | $570 |
| Liability | $110,000 | $1,700,000 | $5,100,000 | $5,100,000 | $1,700,000 |
| Extreme sports / skiing | Not covered | Not covered | Not covered | Included | Not covered |
Every guarantee in the offer, as set out in the contract.
| US / Canada | $2,800,000 |
| Rest of the world | $1,700,000 |
| Europe | $680,000 |
We scored the offer on the 6 situations that most often prompt buying travel insurance.
An appendicitis in New York, a fall in Thailand, a few unplanned days in hospital: abroad, the bill can run into tens of thousands of euros.
This is where it shines. Medical cover runs up to €2,500,000 in the US and Canada, with direct billing, so you never front the hospital bill. Hard to do better on this front.
A last-minute hitch before departure, a cancelled flight, a cut-short trip: without insurance, the money you've committed is gone.
Strong here. Cancellation is covered up to the trip price, trip interruption up to €4,000, and transport delays are paid out. Most standard cancellation situations are covered.
Camera, laptop, gear: a lost or stolen suitcase, and several thousand euros vanish.
Fine, not outstanding. Baggage is covered up to €4,000 and electronics up to €2,000, enough for most travellers. But pack valuable camera or computer gear and the electronics cap fills up fast.
Several months, several countries, sometimes the US: a long trip multiplies the risks over time.
Built for the long haul. It covers trips up to 365 days across multiple destinations, with a high medical ceiling everywhere, including the US. For a long trip or a round-the-world, it's a solid base.
A pregnancy calls for extra care: obstetric emergencies, prescribed rest, complications far from home.
Not its strong suit. Pregnancy-related emergencies are covered like any other emergency, but there's no dedicated maternity cover. To travel pregnant with real peace of mind, other policies are better suited.
Off-piste skiing, diving, mountaineering, thrills: high-risk activities are the number-one exclusion in policies.
This is a no. Neither winter sports nor extreme sports are covered: a ski or diving accident would be on you. For that kind of trip, you need a different policy.
Secure Gold is covered by IMA Assurances (Inter Mutuelles Assistance), one of France's leading travel-assistance providers.
In an emergency abroad, the IMA assistance desk is reachable 24/7. Both the subscription and claims are handled entirely online.
