Travel deals and tips

Heymondo travel insurance

For a trip outside Europe, your bank card’s insurance quickly shows its limits: caps that are too low and having to pay costs upfront yourself. To travel with total peace of mind, we take out dedicated travel insurance. Check out our detailed comparison and get 5% off straightaway on Heymondo.

Why take out travel insurance

Between the low caps on bank cards and the cost of medical care abroad, a stroke of bad luck can quickly turn your dream trip into a financial black hole. Whenever we head outside Europe, and for long trips, we’ve made it a habit to take out travel insurance to cover us in case something goes wrong. Luckily, we’ve never actually had to use it.

Here are a few situations where you might need travel insurance during your trip.

Medical assistance
Travel insurance covers medical costs and health-related expenses (seeing a doctor, an ER visit, hospitalisation…) outside France. And thank goodness, because in some countries, like the United States or Canada for example, care can cost an absolute fortune, up to several thousand euros.
Lost, stolen or damaged luggage
Travel insurance can cover you if your luggage is lost, stolen or damaged by the airline. Good to know if you’ll be taking one or more flights during your trip.
Transport delays
You’ve probably already had to deal with a flight delay. If it runs over 4 hours, travel insurance can cover the extra costs you end up with.
Medical repatriation and early return
Travel insurance arranges and fully covers an emergency return to France in the event of a serious accident, illness or death (affecting you or a loved one).

Dedicated travel insurance vs. your bank card’s insurance: what’s the difference

It’s a tricky topic, because it all depends on your bank card (classic, gold, black…) and the terms of the insurance attached to it. As a general rule, your bank card’s insurance will probably get you out of a jam for a short stay or a city break in Europe, but it’ll show its limits on a big trip or in a farther-flung destination where care is expensive, like North America for example.

A comparison between the insurance on our BoursoBank international bank card and Heymondo travel insurance:

Criteria	BoursoBank bank card	Heymondo insurance
Conditions to activate coverage	You must have paid for your trip (transport, accommodation) with the card	Coverage active as soon as you sign up, no matter how you paid for the trip
Medical expenses cap	Up to €155,000	Up to €2,500,000 depending on the destination
Advancing medical costs	Often required on the spot, then reimbursed with receipts	No costs to advance (handled directly through the app)
Assistance and teleconsultation	Phone number (from France or abroad)	Mobile app with free 24/7 assistance calls and medical teleconsultation
Adventure and extreme sports	Adventure sports excluded (no medical assistance)	Adventure sports, hiking, surfing, quad biking, hot air ballooning… included

*Terms and medical expense caps checked in September 2026 on the BoursoBank (Ultim card information notice) and Heymondo websites.

Everything you need to know about Heymondo travel insurance

Heymondo is a Spanish travel insurance broker, founded in 2017, known for the quality of its service and the digital experience it offers customers, notably through its mobile app. Its partner insurers are giants of the industry, like AXA or Inter Mutuelles Assistance.

Depending on your needs, you can choose between several types of insurance on the Heymondo website:

Travel insurance (single-trip) for a stay in a specific country lasting anywhere from a few days to several weeks (90 days maximum): the one we personally take out for each of our big trips (which, thankfully, we’ve never had to use!)
Cancellation insurance to get your bookings refunded (42 grounds for cancellation: medical, legal, professional, exceptional circumstances…)
Multi-trip insurance (annual) if you travel several times a year
Long-stay travel insurance for trips longer than 90 days

Transparency and affiliation: this article contains affiliate links. If you take out Heymondo insurance by clicking these links, we earn a commission that helps fund the blog.

5 reasons to choose Heymondo for your travel insurance

01
Simple, digital process through the app
Assistance available 24/7, anywhere in the world, over the internet (no phone charges), with medical teleconsultation and incident management in just a few clicks.
02
No costs to advance
Assistance handles it directly, so you won’t have to pay out a single cent.
03
High medical caps
Medical assistance can cover up to €2,500,000 in medical costs abroad depending on the destination: good to know if you’re travelling to North America, for example.
04
Flexible, customisable insurance
You can add specific options, like insuring your electronic gear or getting access to VIP airport lounges if your flight is delayed…
05
Sign up at the last minute
You can take out travel insurance even after you’ve left (with a 72-hour waiting period).

Thank you for your comment! Marie & Romain

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