Looking for a Chapka travel insurance review? Chapka is a well-known insurance broker for European travelers. For Thailand, however, it is not always the most suitable option. This guide explains who Chapka is best for and which alternatives may better fit most travelers.
Chapka Travel Insurance – Quick Verdict
Chapka is a solid and reputable broker, particularly for European residents with very specific travel projects.
That said, for Thailand, its offers are often less competitive than newer insurers (higher medical caps, smoother digital claims).
- ✅ Best suited for: EU residents with short stays or specific profiles (WHV, studies, volunteering).
- ✅ Main strength: Specialized contracts with clear wording.
- ⚠️ Main limitation for Thailand: Long-stay plans can have lower medical caps than competitors and a less fluid digital experience.
- ⭐ Trustpilot: 4.5 / 5 (2,600+ reviews).
Many travelers prioritize higher medical coverage, easy online claims, and mobile-friendly processes.
If these points matter to you, check our Thailand comparison and Heymondo review first.
Prefer Chapka anyway? You can still explore their offers below (we keep links for transparency and comparison).
Analysis of Chapka Offers for a Trip to Thailand
Chapka’s approach is “insurance for every trip”. Instead of a single universal policy, they offer multiple contracts designed for specific needs. For Thailand, two plans are most often mentioned.
| 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 (varies by options) |
| Price (indicative) | From €30 for 15 days | Often competitive for long duration, but compare medical caps |
For most travelers, the best value comes from insurers with higher medical caps and smooth digital claims.
Read our Heymondo review for Thailand
1. Cap Assistance 24/24: Vacation Insurance (Trips under 90 days)
The Cap Assistance 24/24 contract is built for tourist stays of less than 3 months. It includes the classic “multi-risk” guarantees expected by holiday travelers.
- Target Audience: Travelers, families, seniors (up to 90 days).
- Medical Cap: Up to €1,000,000.
- Included Guarantees: Medical, 24/7 assistance, liability, luggage (up to €3,000).
- Note: Always compare pricing and exclusions; some competitors offer similar coverage with a more modern claims process.
Get a Quote (Cap Assistance – Chapka)
2. Cap Adventure: Long-Stay Protection (3–24 months)
Cap Adventure is often considered by backpackers and digital nomads. It can be a good fit for some profiles, but its €200,000 medical cap is relatively low compared to what many Thailand travelers now prefer.
- Target Audience: 3–24 months, world tours, nomads.
- Flexibility: Subscribe for the exact duration.
- Notable Guarantees: Medical up to €200,000, assistance, early return for family emergency.
- Key point for Thailand: If you want higher medical coverage and app-based claims, compare alternatives first.
Get a Quote (Cap Adventure – Chapka)
3. Other Specialized Contracts to Know
Chapka’s strength lies in specialized contracts. Depending on your project, you may want to explore:
- Cap Working Holiday: Working Holiday Visa holders.
- Cap Student: Internships or studies abroad.
- Cap Volunteer: Volunteering missions.
- Cap Cancellation: Cancellation-only coverage.
A visual summary of the values and commitments that make Chapka Insurance strong.
Chapka Insurance Thailand: Pros and Cons
👍 What we like about Chapka
- Specialization: You choose a contract adapted to your project, without paying for extras you don’t need.
- Clarity: Contracts are written to be understood, with less jargon than average.
- Reputation: A historic player (2002) backed by the Aon group.
- Subscription: Generally simple, with established assistance partners.
⚠ Points to consider (Thailand)
- Broker model: Chapka negotiates policies with insurers/assistants (Europ Assistance, AXA, etc.). The name on certificates may vary.
- Choose carefully: Specialization is great, but you must select the right plan (duration/visa/profile).
- Medical caps: Some plans (notably Cap Adventure) have lower caps than alternatives often chosen for Thailand.
- Digital experience: Depending on your profile, the quote/checkout/claims flow can feel less modern than app-first insurers.
Our recommendation for most Thailand travelers
If you want high medical coverage and a smoother digital process (subscription + claims), start here:
Read the Heymondo Review (Thailand)
Or see the full comparison:
Thailand travel insurance guide.
Our Verdict on Chapka (Thailand)
Chapka is a trustworthy option if you are an EU resident and your trip matches one of their specialized contracts (short holidays, WHV, studies, etc.).
For Thailand, however, many travelers now prefer insurers with higher medical caps and more streamlined digital claims.
Bottom line: Chapka can be a good fit for specific profiles — but for most Thailand trips, we recommend comparing it with modern alternatives before subscribing.
To see where Chapka 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?
For Thailand, if you prioritize higher medical caps and mobile-friendly claims, see our Heymondo review.
Transparency: This guide contains affiliate links. If you purchase insurance through our links, we earn a commission at no extra cost to you. This helps us keep our guides and comparisons free and independent.