This in-depth Heymondo review will help you decide if it’s the right travel insurance for your 2025 trips, especially for destinations like Thailand. As a Spanish broker, Heymondo has gained popularity for its high medical limits, user-friendly mobile app, and solid coverage that often surpasses standard credit card insurance. But is it the best choice for you?
We have analyzed their policies, pricing, customer reviews, and the fine print to provide a clear and objective verdict.
Our Heymondo Thailand Review in Brief
Heymondo is an excellent option, especially for travelers looking for very high medical expense limits and a digital user experience.
- ✅ Ideal for: Travelers of all ages (up to 74) seeking maximum medical coverage, and families.
- ✅ Main strength: No out-of-pocket medical payments and a very practical mobile app with 24/7 assistance.
- ✅ Key policies: Travel Top (the most balanced) and Travel Premium (for maximum coverage).
- ⭐ Trustpilot rating: 4.1 / 5 (from 2.8K+ reviews)
Analysis of Heymondo’s Plans for a Trip to Thailand
Heymondo, which acts as a broker, relies on the solid network of IMA (Inter Mutuelle Assistance) for its policies in France. The short-term insurance (up to 90 days) is available in three main plans to suit different needs and budgets.
| Criteria | Heymondo Medical | Heymondo Top | Heymondo Premium |
|---|---|---|---|
| Daily Rate | from $1.91 | from $2.39 | from $2.66 |
| Medical Limit | $10,000,000 | $5,000,000 | $10,000,000 |
| Civil Liability | Up to $60,000 (to be confirmed in quote/T&Cs) | ||
| Baggage Deductible | Yes, depending on policy (amount and sub-limits per item; to be confirmed in quote/T&Cs) | ||
| Cancellation Limit | Not Included | $3,500 | $7,000 |
| Electronics Option | Optional, choice of limit with sub-limits per item | ||
| Adventure Sports | Included (list and thresholds e.g., diving 40m, trekking 5,400m; to be verified) | ||
- Important Note: Amounts and coverage may vary depending on age, destination, and chosen options. Only the General and Specific Terms and Conditions of your Heymondo quote are legally binding.
- Cancellation: Heymondo covers up to 42 reasons for cancellation, but the limits and subscription deadlines vary depending on the product (short stay, annual, etc.).
- Civil Liability: The limit may be higher (e.g., €100,000) on the annual multi-trip insurance. For short stays, the liability coverage is often lower than some competitors; check if the limit is suitable for your needs.
Other Heymondo Policies to Know
Long-Stay Insurance (over 90 days)
Ideal for a single trip of more than 3 months (like a working holiday visa, a round-the-world trip, or a long sabbatical). This flexible and renewable plan is perfect for long-term travelers, but note that it is generally reserved for those under 40.
Annual Multi-Trip Insurance
Perfect if you take several trips throughout the year. This cost-effective solution covers all your stays of up to 90 days each and is ideal for frequent travelers, though it is not suitable for a single long trip.
How Does Claim Processing Work in Case of a Problem?
One of Heymondo’s biggest advantages is the simplicity of its claims process. Here is how it works in practice:
- Contact Assistance: Via the Heymondo mobile app (through a free call or chat), you contact the 24/7 assistance team.
- Guidance: An advisor directs you to a partner hospital or clinic suitable for your situation.
- Direct Billing: Heymondo arranges payment directly with the medical facility. You have nothing to pay out-of-pocket for covered expenses, which is a major relief in a stressful situation.
Heymondo Insurance for Thailand: Pros and Cons
👍 What We Like About Heymondo
- Excellent coverage-to-price ratio: High medical limits and comprehensive benefits (cancellation, adventure sports) are included for a very competitive daily rate.
- No out-of-pocket payments: In case of hospitalization or significant medical expenses, Heymondo assistance pays the healthcare facility directly.
- The mobile app: This is a real highlight. It allows you to manage claims, access a 24/7 medical chat, and make free emergency calls over the internet.
- Attractive discounts: Heymondo offers preferential rates for families (15% discount) and groups.
- COVID-19 coverage: All plans include medical expenses, repatriation, and trip extension costs related to a positive PCR test at the destination.
🤔 Points to Watch
- Possible deductible on baggage: Although medical expenses are deductible-free, a small deductible may apply to other benefits like baggage coverage. Be sure to check this point in your policy’s terms.
- Electronics option: Coverage for valuable electronic equipment (laptops, cameras) is usually an add-on option to increase the basic limits.
- Age limit: Long-stay insurance is limited to those under 40, and standard insurance to those under 74, which may exclude some senior travelers.
Get Your Personalized Heymondo Quote
The best way to know if Heymondo is right for you is to get a quote. It’s free, fast, and non-binding.
Compare Plans and Get a Quote
📋 Checklist Before You Buy
Before finalizing your choice, take a minute to check these essential points in your policy’s terms. This is what separates good coverage from the perfect coverage for your trip.
- Medical expense limits
- Deductible amount (baggage, etc.)
- List of sports covered by default
- Cancellation coverage limit
- Electronics coverage
- Accepted reasons for cancellation
- Waiting period if already traveling
- Specific age limits
Heymondo Review: Our Final Verdict
Should you choose Heymondo for your trip to Thailand? Our review of Heymondo insurance is very positive. It is an excellent choice for almost all travelers.
If the goal is to get the highest reimbursement limits, very comprehensive benefits included by default, and a 100% digital experience, Heymondo is probably the best option. Families will also benefit from dedicated discounts.
To compare it directly with its main competitor for short stays, check out our Chapka Cap Assistance 24/7 Review (Thailand).
To explore all of Chapka’s offers (including long stays), see the complete review of Chapka insurance. To broaden your choice even further, browse the comparison of insurance for Thailand.