Looking for a Chapka travel insurance review? As a specialist for European travelers, Chapka offers tailored contracts like Cap Assistance (holidays) and Cap Adventure (long stays). This guide analyzes their coverage and helps you choose the best plan for Thailand.
Chapka Travel Insurance Review: Our Verdict in Brief
Chapka stands out with its tailored approach, offering a solution for every traveler profile (especially EU residents).
- ✅ Best for: Travelers seeking a contract perfectly adapted to their project (vacation, world tour, Working Holiday, studies…).
- ✅ Main strength: Specialized and clear contracts so you only pay for necessary coverage.
- ✅ Flagship plans: Cap Assistance 24/24 (trips under 90 days) and Cap Adventure (trips over 90 days).
- ⭐ Trustpilot Score: 4.5 / 5 (based on +2600 reviews).
Analysis of Chapka Offers for a Trip to Thailand
Chapka’s philosophy is simple: “insurance for every trip”. Instead of a one-size-fits-all formula, they offer a range of contracts designed for specific needs. For a trip to Thailand, two offers mainly stand out.
| Criteria | Cap Assistance 24/24 | Cap Adventure |
|---|---|---|
| Ideal Profile | Vacations, tourist stays | World tour, nomads, long stays |
| Trip Duration | Up to 90 days | From 3 to 24 months |
| Medical Cap 💉 | Up to €1,000,000 | Up to €200,000 (extensible) |
| Cancellation ❌ | ✅ Yes (optional) | ✅ Yes (optional) |
| Luggage 🧳 | ✅ Yes (included) | ❌ No (available on other plans) |
| Price (indicative) | From €30 for 15 days | Very competitive for long duration |
1. Cap Assistance 24/24: The Ultimate Vacation Insurance
The Cap Assistance 24/24 contract is the perfect solution for tourist stays of less than 3 months in Thailand. It is a comprehensive multi-risk insurance that covers the essentials and more.
- Target Audience: Travelers, families, and seniors going on vacation for a maximum duration of 90 days.
- Medical Cap: Up to €1,000,000, a very comfortable amount that largely covers unforeseen events in Thailand.
- Included Guarantees: Medical expenses, 24/7 repatriation assistance, civil liability, and luggage insurance up to €3,000.
- The Strong Point: Very complete coverage for a rate that remains very reasonable, ideal for traveling with peace of mind.
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2. Cap Adventure: Protection for Long-Term Travelers
For those planning more than just a short stay, the Cap Adventure contract is the benchmark. Designed for world tours, backpackers, and digital nomads, it offers solid coverage for trips longer than 90 days.
- Target Audience: Travelers from 3 to 24 months, round-the-world travelers, nomads.
- Flexibility: The contract is subscribed for the exact duration of your trip.
- Notable Guarantees: Medical expenses up to €200,000 (no deductible), repatriation assistance, early return in case of family emergency.
- The Bonus: The insurance is valid in your home country during returns of less than 30 days, a real plus.
3. Other Specialized Contracts to Know
Chapka’s strength lies in its ability to offer targeted contracts that you can explore in detail:
- Cap Working Holiday: For Working Holiday Visa holders.
- Cap Student: For internships or studies abroad.
- Cap Volunteer: For international volunteering missions.
- Cap Cancellation: A cancellation-only insurance if you only need this guarantee.
Chapka Insurance Thailand: Pros and Cons
👍 What we like about Chapka
- Specialization: Their greatest asset. You choose a contract that corresponds precisely to your project, without paying for superfluous guarantees.
- Clarity: Contracts are written to be understood, without unnecessary jargon, one of Chapka’s key values.
- Reputation and Reliability: A historic player (2002) backed by the Aon group is a guarantee of seriousness and recognition in the market.
- Simplicity and Responsiveness: Subscription is simple and Chapka makes a point of ensuring good follow-up of your issues abroad.
🤔 Points of Attention
- A Broker, Not a Direct Insurer: Chapka negotiates contracts with major assistance providers (Europ Assistance, AXA…). The name on the certificate may therefore vary.
- Choose Your Contract Carefully: Specialization is an advantage, but it implies identifying your needs well so as not to choose the wrong formula.
- Medical Caps: Although sufficient for Thailand, the caps of some contracts (like Cap Adventure) are lower than those of other players like Heymondo.
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Our Verdict on Chapka
Should you choose Chapka for your trip to Thailand? Our opinion on Chapka insurance is very positive, provided you fit the profile (European resident). Chapka is not necessarily the cheapest for minimal protection, but it is an excellent choice if you prioritize safety, clarity, and coverage perfectly adapted to the nature of your trip.
For a classic tourist stay, Cap Assistance 24/24 is a complete and reassuring multi-risk formula. For a gentle expatriation or a world tour, Cap Adventure is a market reference. By choosing Chapka, you opt for the peace of mind of a specialist.
To see where this offer stands among the best options, check our comprehensive comparison of insurance for Thailand.
Frequently Asked Questions (FAQ)
Is Chapka an insurer or a broker?
Can I subscribe to Chapka insurance if I am already in Thailand?
Is my credit card insurance (Visa, Mastercard) sufficient?
How does assistance work in case of hospitalization?
How does Chapka compare to ACS or Heymondo?
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