We’ve been recommending Heymondo travel insurance to our readers for years, so this isn’t a rewritten brochure: it’s what it actually covers, what it costs, and whether it’s worth it. We ran a real quote to get the prices below, compared the plans, and looked at where Heymondo genuinely helps and where it doesn’t.
Short answer: yes, for most travelers. The reason is simple — very high medical limits, a genuinely useful 24/7 app, and claims that get answered. It isn’t the cheapest option on the market, and it won’t be right for every single trip, but for international travel where a hospital bill could ruin you, it does exactly the job it’s supposed to do. It also holds a solid 4-star rating on Trustpilot across thousands of reviews, which matches what we hear from readers.
What we like: medical cover up to €10,000,000 on the top plans, an app that lets you chat to a doctor from anywhere, no deductible, and a 100% refund if you change your mind within a month of buying. What to keep in mind: cover for trips including the USA is priced separately, and, as with any insurer, the fine print on adventure sports and pre-existing conditions is where you need to read carefully.
Reviews are easy to write when nothing goes wrong. Ours comes from a trip where a great deal did. One of our contributors was in Malaysia when he stepped on a boat anchor half-buried in the sand — the kind the local boats leave on the beach. It seemed minor at first, just a puncture in the foot. A few days later it had turned into a bacterial infection, and what looked like a small cut ended with him admitted to hospital.
It got serious fast. The wound became gangrenous, and for a while there was a real risk he could lose the foot. In the end it took a skin graft and weeks of follow-up care to save it. This is no longer a “lost luggage” story — it’s the kind of medical emergency that, without cover, can run into tens of thousands and leave you making impossible decisions far from home.
Here’s where Heymondo earned its place in this review. At no point did he have to pay upfront — the assistance dealt directly with the medical side, so he wasn’t fronting hospital bills on a traveler’s budget. And because the recovery needed weeks of dressing changes, he was able to continue part of the treatment in Thailand as he travelled on — the case moved from Malaysia to Thailand without a hitch. On a long trip, that cross-border continuity is exactly the kind of thing that separates a policy that works from one that only works on paper.
The takeaway: a beach injury most travelers wouldn’t think twice about became a hospital stay, a skin graft and weeks of care across two countries — with no money out of pocket. That’s the real test of any travel insurance, and it’s why we keep recommending this one.
Every Heymondo policy is built around medical assistance abroad, and widens from there. These are the headline limits on the international plans (they vary slightly by your country of residence and currency):
| Coverage | Limit |
|---|---|
| Emergency medical & dental abroad | Up to €10,000,000 |
| Medical transport & repatriation | Included |
| Baggage (loss, theft, damage) | Up to €2,500 |
| Trip cancellation & interruption | Up to €7,000 |
| Travel disruption (delays, missed connections) | Up to €1,500 |
| Personal liability | Up to €60,000 |
| Accidental death or disability | Up to €60,000 |
| Search and rescue | Up to €10,000 |
| Deductible | None |
What it doesn’t cover is as important as what it does. Heymondo does not cover routine medical check-ups or pre-existing conditions, and high-risk activities need the right add-on. The base plans already include a long list of activities — hiking, snorkeling, surfing, kayaking, trekking below 3,000 m and dozens more — but for diving, rafting, climbing or trekking up to 5,000 m you’ll need the Adventure sports add-on. There are also optional extras for electronic equipment and cruises.
For a single international trip, Heymondo offers three levels. Picking the wrong one is the most common mistake, so here’s the practical difference:
| Plan | Medical cover | Best for |
|---|---|---|
| Heymondo Medical | €10,000,000 | The budget pick — top medical limit, lighter on extras |
| Heymondo Top | €5,000,000 | The balanced all-rounder for most trips |
| Heymondo Premium | €10,000,000 | The most complete — highest limits across the board |
If you travel several times a year, there’s also an Annual Multi-Trip plan (each trip up to 60 days), and for open-ended journeys a renewable Long Stay plan for trips over 90 days. Our rule of thumb: for a normal holiday the single-trip plans are enough; frequent flyers save with the annual; and the long-stay one is what backpackers and digital nomads want.
Price depends on your destination, trip length and plan, so the only reliable number is a live quote. To give you a real reference, here’s what we got for one traveler from the UK, worldwide excluding the USA, with our 5% discount already applied:
| Trip length | Medical | Top | Premium |
|---|---|---|---|
| 7 days | €25.17 | €27.54 | €31.10 |
| 15 days | €61.24 | €67.01 | €82.05 |
| 30 days | €91.61 | €100.23 | €120.27 |
Your own quote will differ with dates and destination, but this gives you the ballpark: a couple of weeks of solid international cover for well under €100. Run your dates to see your exact price with the discount.
The app is where Heymondo genuinely stands out from cheaper insurers. It isn’t a gimmick — it’s the fastest way to get help when something goes wrong far from home, and it’s the part travelers end up appreciating most.
In practice, this is what separates a good travel insurance experience from a stressful one: when you’re ill in a country where you don’t speak the language, opening an app and chatting to a doctor in your own language matters far more than a few euros of difference in the premium. And because there’s no deductible, you’re not out of pocket on every claim — a point that comes up again and again in Heymondo’s reviews.
You don’t have to take our word for it. On Trustpilot, Heymondo holds a 4-star rating across thousands of reviews, and the pattern in them lines up with our own experience: what travelers praise most is the speed of the assistance, not the paperwork.
The recurring themes are easy to spot. Customers highlight the 24/7 medical chat — being able to reach a real doctor from the app and get an issue resolved without a hospital visit — and the handling of claims, from a delayed suitcase sorted with the right documents by email to an emergency room visit covered without upfront payment. The negative reviews, as with every insurer, tend to cluster around claims that fell outside the policy terms, which is exactly why reading what your plan covers before you buy matters.
Against the big generic comparison sites, Heymondo’s edge is service: a dedicated app, 24/7 medical chat, no deductible and claims that don’t vanish into a call-center black hole. That’s worth a small premium on a trip that matters.
As a ConMochila reader you get an automatic 5% discount applied at checkout — you don’t need a code, just use our link and it appears on the price with the message “5% off thanks to Con mochila en”.
Yes. For international travel it offers very high medical limits (up to €10,000,000), a strong 24/7 assistance app, no deductible and a straightforward claims process. It’s one of the two insurers we recommend most.
Medical expenses abroad (up to €10,000,000), medical repatriation, baggage, trip cancellation, travel disruption, personal liability and search and rescue. Adventure sports, electronics and cruises are optional add-ons.
It depends on your trip, but as a reference a 15-day worldwide (excluding USA) policy for one traveler from the UK starts around €61 with our discount. Run your dates for an exact price.
No. The 5% discount is applied automatically when you buy through our link — there’s no code to enter.
