This is where the policy shines. Cover reaches €2.5M in the US and Canada, where a hospital stay costs the most. Direct billing means you never front the hospital bill.
Expert review
Our analysis of Secure Gold
4,2/5
★★★★★
Written by an expert · Antoine FruchardTravel insurance expert, co-founder at HelloSafe
Secure Gold is the policy HelloSafe selected for travellers who refuse to cut corners on medical protection. The priority is clear: healthcare costs abroad, where low limits create real exposure. And on that front, the distinction matters: Secure Gold runs on direct billing, not reimbursement. The assistance team pays the hospital. You front nothing. An appendectomy in New York can exceed $50,000. With this policy, you don't hand over your credit card at the ER admissions desk.
Medical cover reaches €2.5M for the US and Canada, €1.5M for the rest of the world outside Europe. Repatriation is covered at actual cost: the attending physician from the assistance team decides whether it's triggered, not the local provider, not you. An organised evacuation runs between €30,000 and €150,000 depending on the destination. One critical point: if you arrange your own transport without calling the assistance line first, the claim can be refused. Save that number before you travel.
Cancellation is available as an add-on, and it's where Secure Gold genuinely stands apart: up to 42 covered reasons, the widest cancellation cover on the European market. Illness, redundancy, property damage, court summons, death of a close relative: the policy covers the situations that actually cause people to cancel, not just extreme cases. Up to the full trip price refunded.
Two providers sit behind this policy: IMA Group, the insurer that underwrites the financial risk and handles reimbursements, and a leading assistance provider reachable 24/7 by phone or WhatsApp, with claims managed through a mobile app. Two distinct roles, clearly defined.
Trip interruption up to €4,000 outside Europe, baggage up to €4,000. From 1 to 365 days, up to 50 travellers on a single policy, worldwide. Two things to factor in before subscribing: winter sports and extreme sports are excluded as standard, so add dedicated cover if your trip involves skiing or climbing. Subscription closes at age 74.
Subscription is 100% online through HelloSafe, in minutes. Secure Gold is best suited to leisure travel, solo or in a group, to destinations where healthcare is expensive. Its three main strengths: a high medical ceiling, direct billing at the hospital, and operational assistance on the ground.
Ideal for
High medical cover: up to €2.5M for the USA and Canada, among the highest on the market
A strong cancellation ceiling, up to the full trip cost
24/7 assistance with direct hospital billing
Less suited to
Travellers doing ski or extreme sports, which are not included in standard cover
Travellers over 74 (maximum eligibility age)
Those seeking high liability cover: capped at €100K vs up to €1M with some competitors
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.
Price & value for money
How much does Secure Gold cost for your trip?
Pricing depends on the travellers' profile, trip length and destination. Here are a few examples by profile.
Premium, but priced sensibly. Cover among the most complete on the market at a price close to the median: the extra mostly buys medical protection and assistance.
Indicative example prices for a trip in Europe. Simulate your trip in the sidebar to get your exact price.
How Secure Gold compares
Secure Gold against other market offers on this quote: cover levels vary a lot from one offer to the next.
Medical expenses significantly above the market average
Cancellation and baggage very competitive vs closest-priced offers
24/7 assistance with direct hospital billing
Liability capped at €100K, vs up to €1M with some competitors
Extreme sports and skiing not included in standard cover
| Key limits | Secure Gold | Safe Start | Go Explore | Go Explore + | SafeTrip Tourism |
|---|---|---|---|---|---|
| Price on this quote | $45.80 | $51 | $62.71 | $83.18 | $102 |
| Overall index | 4,2/5 | 3,5/5 | 3,5/5 | 3,5/5 | 3,5/5 |
| Medical costs US / Canada | $2.23M | $447K | $223K | $447K | $447K |
| Cancellation | Trip price | Not covered | Not covered | Not covered | Trip price |
| Baggage | $4,475 | $2,237 | $280 | $559 | $1,678 |
| Liability | $111,866 | $4.02M | $1.34M | $1.34M | $4.02M |
| Extreme sports / skiing | Not covered | Not covered | Not covered | Not covered | Included |
And for your trip, which offer comes out on top?Compare the cover and prices of dozens of travel insurances in 2 minutes, for your dates and destination.
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Secure Gold: for which trips?
We scored Secure Gold on the 10 situations that most often prompt buying travel insurance.
Eligibility
Who can subscribe to Secure Gold?
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
Insurer & assistance
Who insures and runs Secure Gold?
Two separate providers sit behind this policy: one to underwrite the financial risk, the other to support you in the field.
The insurer is IMA Group (Inter Mutuelles Assistance), a European specialist in travel assistance with over €400M in equity. It handles more than 4 million claims a year worldwide, a sign of the operational strength needed to honour payouts even in a major crisis.
The assistance provider is Heymondo, an international assistance company available 24/7 by phone, email or WhatsApp. Medical teleconsultation, direct billing at the hospital, organised repatriation: you front nothing. Claims are managed through their mobile app. Rated 4.7/5 by over 5,000 customers.
Two providers, hand-picked so that Secure Gold delivers when it counts.
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
Frequently asked questions
Secure Gold FAQ
- 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 Heymondo, reachable by phone, email or WhatsApp. Claims are managed entirely through their mobile app or online.