Heymondo Travel Insurance Review: 4.5/5
Our review on Heymondo
Score- ✅Comprehensive Medical Coverage: Heymondo offers up to $13,500,000 CAD in medical expenses, including hospitalizations, prescription drugs, and emergency medical transport. This makes it highly suitable for Canadian travelers visiting destinations with high healthcare costs.
- ✅Flexible Cancellation Options: Trip cancellation coverage reimburses non-refundable payments up to $9,450 CAD for unforeseen events like severe illness or hospitalization of a family member, providing peace of mind for expensive trips.
- ✅Digital-First Approach: The Heymondo app includes features such as a free 24/7 medical chat and digital claims filing, making assistance quick and accessible for Canadian travelers during emergencies.
- ❌Age Restrictions: Coverage is available only for individuals aged up to 69 years, excluding older Canadian travelers who often need travel insurance the most.
- ❌Limited Electronics Coverage: Optional coverage for electronics like laptops or cameras is capped at 50% of the baggage coverage unless an additional premium is purchased, which may not fully protect high-value items.
- ❌No Pre-Existing Condition Coverage: Pre-existing medical conditions are not covered, which might be a dealbreaker for some Canadian travelers.
Score- ✅Comprehensive Medical Coverage: Heymondo offers up to $13,500,000 CAD in medical expenses, including hospitalizations, prescription drugs, and emergency medical transport. This makes it highly suitable for Canadian travelers visiting destinations with high healthcare costs.
- ✅Flexible Cancellation Options: Trip cancellation coverage reimburses non-refundable payments up to $9,450 CAD for unforeseen events like severe illness or hospitalization of a family member, providing peace of mind for expensive trips.
- ✅Digital-First Approach: The Heymondo app includes features such as a free 24/7 medical chat and digital claims filing, making assistance quick and accessible for Canadian travelers during emergencies.
Our review on Heymondo
- ✅Comprehensive Medical Coverage: Heymondo offers up to $13,500,000 CAD in medical expenses, including hospitalizations, prescription drugs, and emergency medical transport. This makes it highly suitable for Canadian travelers visiting destinations with high healthcare costs.
- ✅Flexible Cancellation Options: Trip cancellation coverage reimburses non-refundable payments up to $9,450 CAD for unforeseen events like severe illness or hospitalization of a family member, providing peace of mind for expensive trips.
- ✅Digital-First Approach: The Heymondo app includes features such as a free 24/7 medical chat and digital claims filing, making assistance quick and accessible for Canadian travelers during emergencies.
- ❌Age Restrictions: Coverage is available only for individuals aged up to 69 years, excluding older Canadian travelers who often need travel insurance the most.
- ❌Limited Electronics Coverage: Optional coverage for electronics like laptops or cameras is capped at 50% of the baggage coverage unless an additional premium is purchased, which may not fully protect high-value items.
- ❌No Pre-Existing Condition Coverage: Pre-existing medical conditions are not covered, which might be a dealbreaker for some Canadian travelers.
Score- ✅Comprehensive Medical Coverage: Heymondo offers up to $13,500,000 CAD in medical expenses, including hospitalizations, prescription drugs, and emergency medical transport. This makes it highly suitable for Canadian travelers visiting destinations with high healthcare costs.
- ✅Flexible Cancellation Options: Trip cancellation coverage reimburses non-refundable payments up to $9,450 CAD for unforeseen events like severe illness or hospitalization of a family member, providing peace of mind for expensive trips.
- ✅Digital-First Approach: The Heymondo app includes features such as a free 24/7 medical chat and digital claims filing, making assistance quick and accessible for Canadian travelers during emergencies.
- Our Opinion on Heymondo Travel Insurance
- Heymondo Promo Code
- Who Can Purchase Heymondo Travel Insurance?
- How to Contact Heymondo Travel Insurance?
- FAQ
- On the same topic
Why Trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers each month. Our experts have analyzed 67 travel insurance policies in Canada, and here is their review of this policy.
Our Opinion on Heymondo Travel Insurance
Heymondo is a good option to cover your trip, especially for tourism, but is it the best solution for your needs? 🤔
Reliability: 5/5
Heymondo partners with Iris Global Soluciones de Protección Seguros y Reaseguros, S.A.U., a well-established and reputable insurance provider based in Spain. Iris Global specializes in travel and assistance coverage, ensuring robust financial stability and adherence to international insurance standards.
Canadian travelers can trust Heymondo's commitment to delivering high-quality service backed by a reliable insurer. The policy terms are clearly outlined, and Iris Global's extensive experience in the travel insurance industry adds credibility to Heymondo’s offerings. Furthermore, Heymondo's digital-first approach, including a user-friendly app for managing policies and claims, enhances accessibility and convenience for policyholders.
Overall, Heymondo provides a reliable and modern solution for Canadians seeking comprehensive travel insurance backed by a dependable partner.
Coverage: 5/5
Heymondo offers comprehensive plans for Canadian travelers, including Medical, Top, Premium, and Annual Multi-Trip, each tailored to different needs. Below is the updated comparison of the plans, including cancellation coverage:
| Coverage | Medical (CAD) | Top (CAD) | Premium (CAD) | Annual Multi-Trip (CAD) |
|---|---|---|---|---|
| Emergency medical expenses | $6,750,000 | $13,500,000 | $13,500,000 | $13,500,000 |
| Emergency dental expenses | $405 | $675 | $675 | $675 |
| Repatriation | Unlimited | Unlimited | Unlimited | Unlimited |
| Baggage loss/damage | - | $3,375 | $5,400 | $3,375 |
| Trip cancellation | - | $4,725 | $9,450 | $9,450 |
| Trip interruption | - | $4,725 | $9,450 | $9,450 |
| Adventure sports coverage | Optional | Optional | Included | Optional |
| Maximum trip duration | Up to 90 days | Up to 90 days | Up to 90 days | Up to 36 days per trip |
Heymondo provides trip cancellation and interruption coverage under the Top, Premium, and Annual Multi-Trip plans, ensuring reimbursement of non-refundable expenses in the following situations:
- Illness or injury affecting the traveler or a close family member.
- Death of the insured person or a family member.
- Natural disasters or unforeseen events that disrupt travel.
- Legal obligations, such as jury duty or a court summons.
For example, the Top plan covers cancellation and interruption expenses up to $4,725 CAD, offering mid-level financial protection, while the Premium and Annual Multi-Trip plans extend this benefit to $9,450 CAD, making them ideal for higher-cost trips.
Our advice
Heymondo stands out for its flexible and generous cancellation benefits, particularly under the Premium and Annual Multi-Trip plans. These features provide peace of mind for travelers worried about unexpected disruptions. However, the Medical plan lacks cancellation and baggage coverage, making it less suitable for trips with significant pre-paid expenses.
Here are the general definitions of the policies to identify the full range of coverages and exclusions.
Here’s how Heymondo compares to other popular travel insurance providers in Canada., including AXA and Scotiabank.
| Coverage | Heymondo Medical | Heymondo Premium | Scotiabank Gold American Express | AXA |
|---|---|---|---|---|
| 💲 Price range* | $71.12 | $97.64 | $0 (Cardholders only) | $90.81 |
| 💊 Medical expenses | $337,500 | $1,350,000 | $67,500 | $1,039,500 |
| ❌ Cancellation insurance | Not covered | $13,500 | Not covered | $1,350 |
| 🚑 Repatriation | Real costs | Real costs | Real costs | Real costs |
| 🧳 Baggage | Not covered | $4,050 | $2,025 | $1,350 |
| ⚠️ Civil liability | $81,000 | $81,000 | $1,350,000 | $6,075,000 |
Prices: 4/5
Heymondo offers flexible and competitive pricing for Canadian travelers. The plans are tailored to meet the needs of different trip durations and coverage levels, ensuring accessibility for a wide range of budgets.
Detailed example
For a 2-week trip to the United States for 2 travelers, the Medical plan is available for $208.56 CAD, providing essential medical coverage at a cost-effective rate. The Top plan, at $228.14 CAD, adds benefits such as trip cancellation and baggage protection. The Premium plan, priced at $291.64 CAD, offers the most comprehensive coverage, making it ideal for trips involving significant prepaid expenses or higher-risk activities.
Here is a summary of Heymondo's pricing converted to Canadian dollars for typical travel scenarios:
| Scenario | Medical (CAD) | Top (CAD) | Premium (CAD) | Annual (CAD) |
|---|---|---|---|---|
| 1 week in France (1 traveler) | $68.14 | $74.54 | $87.71 | N/A |
| 2 weeks in the US (2 travelers) | $208.56 | $228.14 | $291.64 | N/A |
| 1 month in Thailand (1 traveler) | $139.50 | $152.62 | $183.13 | N/A |
| Annual worldwide coverage | N/A | N/A | N/A | $328.05 |
The Medical plan is an excellent option for travelers seeking affordable yet robust medical coverage, while the Top and Premium plans cater to those requiring additional protections like cancellations and baggage coverage. The Annual Multi-Trip plan, priced at $328.05 CAD, is perfect for frequent travelers seeking comprehensive coverage for multiple trips throughout the year.
Customer Reviews: 4.2/5
Heymondo has earned a strong reputation among travelers, achieving a Trustpilot rating of 4.2/5 based on 2,352 reviews. Canadian travelers appreciate the comprehensive coverage options, competitive pricing, and the convenience of Heymondo’s mobile app. However, some feedback highlights minor delays in claim processing for more complex cases.
| Travel Insurance | Rating | Number of Reviews |
|---|---|---|
| Heymondo | 4.2 | 2,352 |
| Manulife Travel Insurance | 1.2 | 244 |
| TuGo Travel Insurance | 4.3 | 164 |
| World Nomads | 4.1 | 3,428 |
| Blue Cross Travel Insurance | 2.1 | 12 |
| Allianz Travel Insurance | 3.3 | 564 |
| Europ Assistance | 1.2 | 121 |
Examples of customer reviews :
"During a trip to France, I fractured my ankle while hiking. Heymondo's medical coverage was a lifesaver. The app allowed me to contact assistance immediately, and my hospital expenses were covered without hassle. Their team even arranged for repatriation when I couldn't continue my journey."
— Liam, February 2024
"I had to cancel a family vacation to the U.S. after my son was hospitalized with appendicitis just days before departure. Heymondo’s cancellation coverage reimbursed us for all non-refundable expenses, including flights and hotel bookings. The claims process was straightforward and well-supported."
— Emma, January 2024
"While in Thailand, I contracted a serious stomach infection and needed urgent medical care. Heymondo’s Premium plan covered the hospitalization and medications without requiring upfront payment. The free medical chat feature in the app gave me peace of mind throughout the process."
— Eric, May 2024
Assistance: 4/5
Heymondo offers an exceptional assistance service tailored to meet the needs of Canadian travelers. With 24/7 worldwide support, Heymondo ensures prompt help during emergencies, whether it’s a medical issue, trip disruption, or lost baggage. Key assistance features include:
- Medical emergencies: Coordination of care, direct coverage for hospitalization, and emergency repatriation without upfront payment.
- Travel disruptions: Support for delayed flights, missed connections, and other unexpected issues.
- Lost or stolen items: Guidance and coverage for replacing essential documents or belongings.
One of Heymondo’s standout features is its mobile app, which allows travelers to:
- Contact assistance directly at any time.
- Access a free 24/7 medical chat for instant advice from healthcare professionals.
- File and track claims efficiently through the app.
Heymondo’s modern, app-driven approach simplifies assistance, ensuring Canadian travelers have help at their fingertips during emergencies. While some users note that reimbursements for complex claims can take longer than expected, the overall feedback highlights Heymondo’s strong responsiveness and reliable customer support.
Our advice
Heymondo stands out as a reliable and flexible travel insurance provider for Canadian travelers. With high medical expense limits of up to $13,500,000 CAD, robust cancellation coverage, and a digital-first approach, it caters to a wide range of travel needs. The availability of a user-friendly mobile app for claims management and 24/7 assistance further enhances the customer experience, offering convenience and peace of mind.
While some limitations exist, such as the lack of pre-existing condition coverage and age restrictions for travelers above 69 years, Heymondo’s comprehensive benefits, competitive pricing, and strong customer reviews make it a top choice for Canadians. Whether for short-term vacations, adventure trips, or frequent travels under an annual plan, Heymondo provides tailored solutions to ensure travelers feel protected on every journey.
Heymondo Promo Code
| Heymondo Discounts | Heymondo Promo Codes |
|---|---|
| Travel Insurance (short and long stays) | -5% with this link |
| Annual Travel Insurance | -5% with this link |
| Cancellation Insurance Only | -5% with this link |
| Group Travel Insurance (5 people) | -5% with this link |
| Group Travel Insurance (10 people or more) | -5% with this link |
| Family Travel Insurance | -5% with this link |
Who Can Purchase Heymondo Travel Insurance?
Heymondo travel insurance is designed to accommodate a wide range of Canadian travelers, provided they meet the following criteria:
- Age: Coverage is available for individuals up to 69 years old. Unfortunately, travelers aged 70 or older are not eligible for coverage.
- Residency: The policy is available to Canadian residents with a permanent address in Canada.
- Trip duration: The maximum trip duration varies by plan : Single-Trip Plans (Medical, Top, Premium): Coverage is valid for trips lasting up to 90 days. Annual Multi-Trip Plan: Coverage is valid for multiple trips within a year, with each trip lasting a maximum of 36 days.
- Policy purchase timing: Policies must be purchased before the start of the trip. For cancellation coverage, it’s recommended to purchase as soon as the trip is booked to ensure maximum protection.
How to Contact Heymondo Travel Insurance?
Heymondo offers several convenient ways for Canadian travelers to get in touch, whether you need assistance, a quote, or to file a claim. Here’s how you can contact them:
| Request | How to Contact Heymondo |
|---|---|
| Get a travel insurance quote ✈️ | Use the online quote tool or call +1 (416) 800-2283. |
| Request a certificate of insurance 🧾 | Access your certificate through the Heymondo app or your online customer account. |
| Need medical assistance 🩺 | Contact Heymondo via the app or through WhatsApp at +34 627 28 30 58. |
| File a claim or follow up on reimbursement 🔍 | File and manage claims directly in the Heymondo app, or email claims@heymondo.com. |
FAQ
If I travel to multiple countries, am I covered in all of them?
Yes, Heymondo covers multiple destinations within the coverage zone specified when purchasing your policy. For example, if you select worldwide coverage, you will be protected in all countries except those listed as excluded in the policy terms.
Does Heymondo cover travel disruptions caused by natural disasters?
Yes, Heymondo provides coverage for trip cancellations, interruptions, or additional expenses caused by natural disasters such as hurricanes, floods, or earthquakes, depending on your chosen plan. For example, the Premium plan covers up to $9,450 CAD for such disruptions.
Are adventure activities like skiing or scuba diving covered?
Yes, Heymondo includes coverage for many recreational activities such as skiing, scuba diving, and hiking under its Top and Premium plans. For more extreme sports, optional add-ons are available to extend coverage.
What should I do if my baggage is lost or delayed?
If your baggage is delayed or lost, you should first obtain a report from the airline or carrier. Then, file a claim through the Heymondo app or contact their assistance team. Depending on your plan, you can receive reimbursement for essentials purchased during the delay or compensation for lost items. Coverage under the Top plan is up to $3,375 CAD, and the Premium plan extends it to $5,400 CAD.
If I travel to multiple countries, am I covered in all of them?
Yes, Heymondo covers multiple destinations within the coverage zone specified when purchasing your policy. For example, if you select worldwide coverage, you will be protected in all countries except those listed as excluded in the policy terms.
Does Heymondo cover travel disruptions caused by natural disasters?
Yes, Heymondo provides coverage for trip cancellations, interruptions, or additional expenses caused by natural disasters such as hurricanes, floods, or earthquakes, depending on your chosen plan. For example, the Premium plan covers up to $9,450 CAD for such disruptions.
Are adventure activities like skiing or scuba diving covered?
Yes, Heymondo includes coverage for many recreational activities such as skiing, scuba diving, and hiking under its Top and Premium plans. For more extreme sports, optional add-ons are available to extend coverage.
What should I do if my baggage is lost or delayed?
If your baggage is delayed or lost, you should first obtain a report from the airline or carrier. Then, file a claim through the Heymondo app or contact their assistance team. Depending on your plan, you can receive reimbursement for essentials purchased during the delay or compensation for lost items. Coverage under the Top plan is up to $3,375 CAD, and the Premium plan extends it to $5,400 CAD.
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