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Heymondo Travel Insurance Review

After purchasing travel insurance for six years, we’re sharing details about our preferred travel insurance company. Read on to discover what our Heymondo travel insurance policy covers and get a 5% discount for your new policy.

Graz Selfie

We never travel without travel insurance. It’s that important!

While we’ve never had to file a claim, we’ve met numerous travelers who weren’t so lucky. Some had motorbike injuries and others caught dengue fever. More recently, we’ve heard stories about people catching COVID while traveling in a foreign country. The unfortunate ones without travel insurance incurred unexpected expenses.

We don’t want to be those people!

Naples Selfie 2017
We like to be prepared when we travel. Our preparations include packing rain gear and buying travel insurance.

Buying travel insurance gives us the freedom to travel without worrying about getting sick or injured during a trip. However, until recently, we weren’t sure about which travel insurance was best for our situation.

Heymondo is the travel insurance company that we currently use and love.Yes, it’s possible to love a travel insurance company!

Don’t want to read about why we love Heymondo? Here’s a 5% discount that you can use immediately. Otherwise, keep reading.

Why We Love Heymondo

Pena Palace Selfie in Sintra
Heymondo’s service makes us feel like royalty.

Having an annual Heymondo travel insurance policy means that we no longer have to think about travel insurance every time we book a trip. Instead, we can focus on flights, hotels and restaurants. It’s nothing short of a game changer.

Heymondo fits our needs. The coverage is comprehensive. The website is easy to use. The price for our annual policy is competitive. Plus, there’s a team of professionals available to assist us should bad things happen.

Fun Fact
We’ve purchased travel insurance since 2016 and have never had to file a claim.

Types of Heymondo Policies

Portugal Residency Card Selfie
Having travel insurance was a requirement during our successful visa application process when we moved to Portugal.

We get that having an annual policy isn’t for everybody. Some people don’t travel as much as we do. Others are looking for a policy to meet visa requirements like we did in 2018 when we were applying for D7 visas for our move to Lisbon.

Heymondo has customizable polices for these types of travelers too. In fact, there are three different Heymondo policy options:

1. Single Trip Travel Insurance

This type of policy is suitable for a one-off trips. Depending on your needs, this policy option can include the following:

  • Medical Expenses up to $10 million USD
  • Repatriation & Early Return up to $500,000 USD
  • Luggage Theft & Damage up to $2,500 USD
  • Trip Cancellation up to $7,000 USD
  • COVID 19 Coverage

There are three types of Single Trip travel insurance policy plans – Basic, Top and Premium. The different plans have a range of coverages and limits that you can select during the application process.

Apply for a discounted single trip travel insurance policy now.

2. Annual Multi-Trip Travel Insurance

This type of policy makes sense for frequent travelers. Valid for one year, it negates the need for single trip policies and can include the following:

  • Medical Expenses up to $10 million USD
  • Repatriation & Early Return up to $500,000 USD
  • Luggage Theft & Damage up to $2,500 USD
  • Trip Cancellation up to $7,000 USD
  • COVID 19 Coverage

You’ll notice that the available limits for this plan are the same as for the single trip policy. However, this type of annual policy covers an unlimited number of trips that are each 60 days or less. It’s a great option for frequent travelers who travel at least a few times a year with no individual trip exceeding 60 days.

Also, it’s important to note that the age limit for this type of policy is currently 49.

Apply for a discounted annual multi-trip travel insurance policy now.

3. Long Stay Travel Insurance

This type of policy is appropriate for digital nomads and other travelers who plan to stay at a destination for more than 60 days. It’s also a great option for students studying abroad who are interested in the following:

  • Medical Expenses up to $2.5 million USD
  • Repatriation & Early Return up to $500,000 USD
  • Luggage Theft & Damage up to $1,200 USD
  • COVID 19 Coverage

This type policy may work if you’re moving to a new country but won’t be an official resident or citizen. Since we officially live in Portugal, we use an annual multi-trip policy when we travel to other countries and Portuguese health insurance when we’re at home.

Apply for a discounted long stay travel insurance policy now.

What Does Heymondo Travel Insurance Cover?

Meteora Tour Selfie
Being covered makes us happy.

While it’s great that Heymondo has a user-friendly website and offers favorable pricing, the had the the kind of coverage that frequent travelers like us need. These are some of the highlights:

  • Emergency Medical Expenses Abroad
  • Emergency Dental Expenses Abroad
  • Sporting Activities Including Bicycle Riding, Kayaking, Organized Hot-Ari Balloon Rides, General Hiking, Camping, Snowmobiles, Helicopter Rides, Segways and Zip lines
  • COVID-19 Coverage Including Medical Expenses, Trip Cancellation, Extra Lodging Expenses, Medically-Prescribed PCR Test During the Trip, Medical Transportation and Repatriation
  • Extended Lodging Expenses Due to Illness or Medical Quarantine
  • Outpatient Physiotherapy Treatment
  • Travel and Lodging Expenses for a Family Member
  • Medical Transportation and Repatriation Home
  • Loss or Damage to Luggage or Personal Effects
  • Delay in Delivery of Checked Luggage
  • Passport Replacement Due to Loss or Theft
  • Trip Cancellation & Interruption
  • Travel Disruption Due to Public Transport Delays or Missed Connecting Flight
  • Special Assistance for Search & Rescue and Natural Disasters
  • Personal Liability
  • Accidental Death or Disability
  • Excess Rental Car Coverage

Pro Tip
Consult the Heymondo website and read your policy for full coverage descriptions and limits.

What’s Not Covered

Selfie at Lenfant Jesus Vineyard in Burgundy France
We never know when disaster will strike. Luckily, most of our disasters involve things like bad hair days.

These are some of the things that Heymondo’s travel insurance doesn’t cover:

  • Non-Emergency Medical Expenses Abroad
  • Non-Emergency Dental Expenses Abroad
  • Adventure Activities Including White-Water Rafting, SCUBA Diving, Horseback Riding, Bike Tours, Mountain Biking, Bungee Jumping and Climbing **
  • Cruising **
  • Pre-Trip COVID -19 Tests
  • Electronic Equipment Including Laptops, Tablets and Cameras (Limited Coverage) **
  • Zones of Armed Conflict

** You can purchase additional coverage (i.e. riders) if you plan to do adventure activities or take a cruise. You can also increase the limited electronic equipment coverage.

Pro Tip
Refer to the Heymondo website and your actual policy for full details on what’s NOT covered.

How Much Does a Heymondo Policy Cost?

Thai Coffee Selfie
We always want to know what things cost and hate bad surprises.

Heymondo’s premium varies based on factors like age, home country, desired coverage, selected limits, policy term, etc. You’ll need to fill out an online travel insurance application to see your premium based on your underwriting factors.

Our Heymondo policy is competitively priced. Your premium could be lower or higher based on your situation.

Apply for a discounted Heymondo travel insurance policy now.

Heymondo Travel Insurance Discount

Aperol Spritz on European Waterways Barge Cruise
Cheers to discounts!

Applying is the only way you can find out if Heymondo is a fit for you both in terms of price and coverage. Plus, you’ll get a 5 % discount if you apply for a policy now.

Will a Heymondo travel insurance policy work for you? We say go for it and apply.

Apply for a discounted Heymondo travel insurance policy now.

Additional Perks

Windy Costa Smeralda Cruise Ship Selfie
We never know what we’ll find at the end of our journeys.

But wait – there’s more!

In addition to its user-friendly website and value-priced policies, Heymondo has an app that sets it apart from the travel insurance pack. This app provides the following perks:

  • 24/7 Doctor Chat
  • Free Calls for Medical Assistance
  • Claims Reporting and Management System
  • Easy Access to Account and Policy Consultation

Apply for a discounted Heymondo travel insurance policy now.

About the Authors

About the Authors

Daryl & Mindi Hirsch

Saveur Magazine’s BEST TRAVEL BLOG award winners Daryl and Mindi Hirsch share their culinary travel experiences and recipes on the 2foodtrippers website and YouTube. The married Food and Travel content creators live in Lisbon, Portugal.

Disclosures

Affiliate Relationship
Although we’re not travel insurance experts or insurance agents, we’ll receive a small fee if you purchase a Heymondo travel insurance policy after reading this review.

Article Updates
We update our articles regularly. Some updates are major while others are minor link changes and spelling corrections. Let us know if you see anything that needs to be updated in this article.

Original Publication Date: September 23, 2022

Lorri

Saturday 24th of September 2022

I have used multitrip annual insurance from HeyMundo and been happy BUT…..BIG BUT… they just changed the age to 49 and younger! Very disappointed. I’m a healthy active 62 year old and their annual mult-trip coverage is no longer an option.

Daryl and Mindi Hirsch

Saturday 24th of September 2022

This is a big change! Thanks for letting us know.