Written by an expert · Antoine FruchardTravel insurance expert, co-founder at HelloSafe

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.

3.1/5Good

Cover quality

3.8/5

Price position

2.0/5

Offer strengths

Score computed from the offer's real guarantees, across 6 key criteria (0 to 100).

What stands out

5.0/5

Medical costs

Up to €2.5M in the US/Canada, direct billing included, repatriation at actual cost.

4.7/5

Cancellation

Cancellation up to the trip price and trip interruption up to €4,000.

4.4/5

Baggage

Baggage €4,000 and electronics €2,000.

Our methodology

At HelloSafe, our expert reviews policies, customer feedback and market prices every year. Independent analysis, with no commercial influence on the ratings given.

A single index combining cover quality and price position, then broken down into the two figures that actually matter.

3.1/5

Value-for-money indexGood

Sample quote used for the comparison: Trip to the United States · 11 days · traveller aged 30.

Premium, but priced sensibly. Cover among the most complete on the market (score 3.8/100) at a price close to the median: the extra mostly buys medical protection and assistance.

Amounts converted from euros at today's rate, for guidance only.

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Against the market

How Secure Gold compares

Secure Gold against the closest-priced offers on this quote: at a similar price, the level of cover varies a lot.

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Key limits

Key limits	Secure Gold	Go Explore	Safe Start	SafeTrip Tourism	Go Explore +
Price on this quote	$102.93	$91	$96	$111	$115
Overall index	76/100	42/100	47/100	56/100	45/100
Medical costs US / Canada	$2,800,000	$280,000	$560,000	$560,000	$560,000
Cancellation	Trip price	Not covered	Not covered	Trip price	Not covered
Baggage	$4,500	$280	$2,200	$1,700	$560
Liability	$110,000	$1,700,000	$5,000,000	$5,000,000	$1,700,000
Extreme sports / skiing	Not covered	Not covered	Not covered	Included	Not covered

Secure Gold · 9 guarantees analysed

What does Secure Gold really cover?

Quality, not just ceilings

76/100

Cover qualityGood

Among the most complete on the market

Plan: Secure Gold — trips up to 365 days, worldwide.

This is where the policy shines. Cover reaches €2.5M in the US and Canada — where a hospital stay costs the most — and direct billing means you never front the hospital bill.

What's covered

US / Canada: €2,500,000 · Rest of world: €1,500,000 · Europe: €600,000
Hospital, surgery and medical care abroad
Direct billing — no out-of-pocket payment

What's not covered

Care linked to an excluded activity (skiing, extreme sports)
Medical costs back home, after you return

Repatriation is covered at actual cost, with no euro ceiling, and arranged directly by the assistance team — reachable 24/7. The medical decision rests with the assistance doctor, not you.

What's covered

Medical repatriation decided by the assistance doctor
Assistance reachable 24/7
Cash advance up to €3,000

What's not covered

Repatriation that isn't medically justified

Cancellation is covered up to the trip price and trip interruption up to €4,000. Most standard reasons (illness, accident, death of a relative) are covered.

What's covered

Serious illness, accident or death of a relative
Trip interruption up to €4,000
Early return: return ticket covered

What's not covered

Cancellation for personal convenience

Baggage is covered up to €4,000 and electronics up to €2,000. Enough for most travellers, but the electronics cap fills up fast with valuable camera or computer gear.

What's covered

Baggage: €4,000 (loss, theft or damage)
Electronics: €2,000

What's not covered

Electronics value above €2,000

Transport delays are paid out up to €400 — one of the areas where the policy is more generous than average.

What's covered

Compensation for flight or transport delays

Search-and-rescue costs are covered up to €6,000, useful for an accident in a remote area.

What's covered

Search-and-rescue costs up to €6,000

Private liability is capped at €100,000: fair without being generous. Several competing policies go much higher here.

What's covered

Damage caused to third parties during the trip

What's not covered

Damage in a professional context
Liability tied to a rental vehicle

Skiing, winter sports and extreme sports are excluded. For an active trip, you'll need to add dedicated cover.

What's not covered

Skiing and winter sports
Extreme sports and high-risk activities
Mountaineering and high-altitude trips

Secure Gold is built for temporary travel (up to 365 days), not for expatriation: no daily allowance, no disability cover, no care back home.

What's not covered

Daily allowance
Disability cover
Medical costs back home

Source: IMA Assurances cover — Heymondo "Voyage Premium with cancellation", 2026 IPID.

Indicative limits, excluding any excess: check the policy wording before subscribing.

We scored Secure Gold on the 10 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.

✓ €2,500,000 medical cover US/Canada
✓ Direct billing, no out-of-pocket
✓ Repatriation at actual cost

Eligibility conditions

Age0 to 74

Trip length1 to 365 days

Travellers1 to 50 people

DestinationsWorldwide · multi-destination

Departure countryFrance & overseas (RE, GP, MQ, GF, YT)

CancellationAvailable as an option

Official documents

Information document (IPID) Download

Terms and conditions (T&Cs) Download

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.

Useful contacts

24/7 assistance+33 5 49 16 36 68

Reimbursements (Mon–Fri 9am–3pm)+33 5 49 16 36 69

Reimbursement emailtravel.remboursement@ima.eu

In the US and Canada, medical costs are covered up to €2,500,000, with direct billing: you don't front the hospital costs. The limit is €1,500,000 for the rest of the world and €600,000 in Europe.
No. This offer covers neither extreme sports nor skiing. If your trip involves these activities, you'll need dedicated cover from another insurer.
Subscription is open up to age 74 inclusive. Beyond that, you'll need an offer that accepts older travellers.
Cancellation is available as an option and covers up to the trip price (€10,000 limit). It must be added at subscription.
24/7 assistance and claims are handled by IMA Assurances (Inter Mutuelles Assistance). Subscription and claims are done entirely online.

Secure Gold by IMA Assurances:review, cover and 2026 score

Our analysis of Secure Gold

How much is Secure Gold, and is it worth it?

What does Secure Gold cost for your trip?

How Secure Gold compares

What does Secure Gold really cover?

Who it's for and how

Eligibility conditions

Official documents

Who insures and runs Secure Gold?

Useful contacts

Secure Gold FAQ