🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 133 (from laksa001)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa133.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.indietraveller.co/heymondo-travel-insurance-review/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.indietraveller.co/heymondo-travel-insurance-review/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/","crawl_time":1774246748,"first_indexed_time":1720096115,"http_code":200,"src_unparsed":"co,indietraveller!www,\/heymondo-travel-insurance-review\/ s443","src_root_hash":"8503135588379926133","history_drop_reason":null,"meta_title":"Heymondo Insurance Review (After 4 Years & Making A Claim)","meta_descriptions":["Heymondo review with pros and cons of their different plans, plus what actually happened when having to make a large claim."],"attrs_boilerpipe_text":"Heymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them.\nIn this Heymondo review, I will first go through the\ndifferent Heymondo plans\n. Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another.\nI will also discuss\nHeymondo’s claims procedure\n. This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process.\nI’m happy to report that\nHeymondo\nwas very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later. \nInstead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments.\nHere’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years:\nHeymondo’s different plans\nI won’t just repeat every detail of the coverage here since you can find them easily\non the Heymondo website\n. I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first.  \nHeymondo offers three different types of insurance:\nSingle Trip Insurance\nThey just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical.\nLong-Stay Insurance\nThis includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips.\nAnnual Multi-Trip Insurance\nThis lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days.\nThese plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check\nby requesting quotes on the Heymondo site\n. Your results will depend on a few things, such as your home country and where you intend to travel. \nKeep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US.\nSingle Trip\nIf you just have one specific trip in mind, then\nSingle Trip Insurance\nis what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan.\nThere are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you.\nCoverage\nNormal\nPremium\nEmergency Medical Assistance\n$5,000,000 USD\n$10,000,000 USD\nBaggage\n$1,700 USD\n$2,500 USD\nTravel Disruption\n$450 USD\n$1,500 USD\nTrip Cancellation Coverage\n$3,500 USD\n$7,000 USD\nOther Assistance Coverage\n$1,250 USD\n$10,000 USD\nPersonal Liability\n$60,000 USD\n$60,000 USD\nAccidental Death or Disability\n$10,000 USD\n$60,000 USD\nElectronic\nOptional \nOptional\nAdventure Sports\nOptional\nOptional\nCruise\nNot covered\nOptional\nRental Car Excess\nNot covered\n$500 USD\nMulti Trip\nAs a frequent traveller, I’m a big fan of the\nAnnual Multi-Trip Insurance\n. It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me.\nLast year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value.\nLong Stay\nIf you’re a digital nomad travelling without an end date, then\nLong Stay Insurance\nis more tailored to your needs. Note that this is a\nmuch\nbeefier insurance than the typical ‘nomad insurance’ from providers such as\nSafetyWing\n. For instance, you get up to $2,500,000 USD of emergency medical coverage with Heymondo vs. about $100,000 with SafetyWing. \nIt is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on.\nIn my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad\nand\na fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage. \nThe initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days.\nWhat I look for in insurance\nAs a backpacker and adventure traveller,\ncoverage for outdoor activities\nis always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on. \nYou may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it.\nTrekking in Nepal: a trip where I needed the extra coverage\nMy main reason to get insurance is\nnot\ntheft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy.\nFor me,\nmedical and liability coverage\nare\nthe\nreasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post\nWhy should you get travel insurance?\nThat said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%. \nFinally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since.\nBesides their comprehensive policies, I also like that they have an app and a 24\/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion. \nMy claims process\nAnyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim.\nIn my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access.\nThis included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff!\nI was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned…\nStep 1: Get a police report\nIn cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident.\nI had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day.\n(The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.)\nStep 2: Get receipts\nFor theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim.\n(In the case of a medical issue, your first step will be to use Heymondo’s 24\/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.)\nStep 3: File the claim\nNext, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company.\nHeymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations.\nThey also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.)\nThey asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details. \nOverall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred.\nUnderstanding your insurance\nWhether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved.\nInsurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.) \nSome examples of things to know:\nTrip cancellation\nnever\ncovers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip.\nMedical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs.\nInsurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a $250 deductible.)\nIn theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise. \nThese conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation.\nMy thoughts on Heymondo\nIn conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of. \nIf you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours.\nOverall\n, I’m super happy with my \nHeymondo travel insurance\nsince it\ngives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them.\nJust be sure to have a look at their\nAnnual\n,\nSingle Trip\n, and\nLong Stay plans\nas one may be better for you than the other based on the type of trip(s) you’re planning.\nGet a tailored quote at Heymondo\nP.S.\nI’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of\nmy cautionary tales here\nif you’re doubting if it’s really that useful\n!\nP.P.S.\nThe links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.","attrs_markdown":"[Skip to content](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#content \"Skip to content\")\n\n[![Indie Traveller](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2025\/05\/indie-traveller-logo-white-footprints-medium.png)](https:\/\/www.indietraveller.co\/ \"Indie Traveller\")\n\n[![Indie Traveller](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2025\/04\/indie-traveller-logo-black-small.png)](https:\/\/www.indietraveller.co\/ \"Indie Traveller\")\n\nMenu\n\n- [Destinations](https:\/\/www.indietraveller.co\/regions\/)\n  - [**Southeast Asia**](https:\/\/www.indietraveller.co\/regions\/southeast-asia\/)\n    - [Thailand](https:\/\/www.indietraveller.co\/regions\/thailand\/)\n    - [Vietnam](https:\/\/www.indietraveller.co\/regions\/vietnam\/)\n    - [Laos](https:\/\/www.indietraveller.co\/regions\/laos\/)\n    - [Cambodia](https:\/\/www.indietraveller.co\/regions\/cambodia\/)\n    - [Philippines](https:\/\/www.indietraveller.co\/regions\/philippines\/)\n    - [Indonesia](https:\/\/www.indietraveller.co\/regions\/indonesia\/)\n    - [Malaysia](https:\/\/www.indietraveller.co\/regions\/malaysia\/)\n    - [Singapore](https:\/\/www.indietraveller.co\/regions\/singapore\/)\n    - [Myanmar](https:\/\/www.indietraveller.co\/regions\/myanmar\/)\n  - [**Asia (Other)**](https:\/\/www.indietraveller.co\/regions\/asia\/)\n    - [Nepal](https:\/\/www.indietraveller.co\/regions\/nepal\/)\n    - [Georgia](https:\/\/www.indietraveller.co\/regions\/georgia\/)\n    - [Armenia](https:\/\/www.indietraveller.co\/regions\/armenia\/)\n    - [Türkiye](https:\/\/www.indietraveller.co\/regions\/turkiye\/)\n  - [**Central America**](https:\/\/www.indietraveller.co\/regions\/central-america\/)\n    - [Mexico (NA)](https:\/\/www.indietraveller.co\/regions\/mexico\/)\n    - [Belize](https:\/\/www.indietraveller.co\/regions\/belize\/)\n    - [Guatemala](https:\/\/www.indietraveller.co\/regions\/guatemala\/)\n    - [El Salvador](https:\/\/www.indietraveller.co\/regions\/el-salvador\/)\n    - [Nicaragua](https:\/\/www.indietraveller.co\/regions\/nicaragua\/)\n    - [Costa Rica](https:\/\/www.indietraveller.co\/regions\/costa-rica\/)\n    - [Panama](https:\/\/www.indietraveller.co\/regions\/panama\/)\n  - [**South America**](https:\/\/www.indietraveller.co\/regions\/south-america\/)\n    - [Colombia](https:\/\/www.indietraveller.co\/regions\/colombia\/)\n    - [Ecuador](https:\/\/www.indietraveller.co\/regions\/ecuador\/)\n    - [Peru](https:\/\/www.indietraveller.co\/regions\/peru\/)\n    - [Bolivia](https:\/\/www.indietraveller.co\/regions\/bolivia\/)\n  - [**Africa**](https:\/\/www.indietraveller.co\/regions\/africa\/)\n    - [Morocco](https:\/\/www.indietraveller.co\/regions\/morocco\/)\n    - [Cape Verde](https:\/\/www.indietraveller.co\/regions\/cape-verde\/)\n    - [South Africa](https:\/\/www.indietraveller.co\/regions\/south-africa\/)\n  - [**Europe**](https:\/\/www.indietraveller.co\/regions\/europe\/)\n    - [Portugal](https:\/\/www.indietraveller.co\/regions\/portugal\/)\n    - [Spain](https:\/\/www.indietraveller.co\/regions\/spain\/)\n    - [Italy](https:\/\/www.indietraveller.co\/regions\/italy\/)\n    - [Croatia](https:\/\/www.indietraveller.co\/regions\/croatia\/)\n    - [Albania](https:\/\/www.indietraveller.co\/regions\/albania\/)\n    - [Bulgaria](https:\/\/www.indietraveller.co\/regions\/bulgaria\/)\n    - [Romania](https:\/\/www.indietraveller.co\/regions\/romania\/)\n    - [Bosnia](https:\/\/www.indietraveller.co\/regions\/bosnia\/)\n    - [Baltic States](https:\/\/www.indietraveller.co\/regions\/baltic-states\/)\n- [Topics](https:\/\/www.indietraveller.co\/all-posts\/)\n  - [**Travel Tips**](https:\/\/www.indietraveller.co\/category\/travel-tips\/)\n  - [**Where To Go**](https:\/\/www.indietraveller.co\/category\/where-to-go\/)\n  - [**Trip Preparation**](https:\/\/www.indietraveller.co\/category\/before-you-go\/)\n  - [Budget Travel](https:\/\/www.indietraveller.co\/category\/budget-travel\/)\n  - [Nomad & Remote](https:\/\/www.indietraveller.co\/category\/nomad\/)\n  - [Big Trips](https:\/\/www.indietraveller.co\/category\/big-trips\/)\n  - [Backpack Reviews](https:\/\/www.indietraveller.co\/category\/gear-reviews\/)\n  - [Ecotourism](https:\/\/www.indietraveller.co\/category\/ecotourism\/)\n  - [Hidden Gems](https:\/\/www.indietraveller.co\/category\/hidden-gems\/)\n- [About](https:\/\/www.indietraveller.co\/about\/)\n- [The Book](https:\/\/www.noworriestravel.co\/)\n- [Vlog](https:\/\/www.youtube.com\/c\/@indietraveller)\n# Heymondo Travel Insurance Review (After 4 Years & Making A Claim)\n- [The different plans](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab1)\n- [Coverage I look for](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab2)\n- [My claims process](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab3)\n- [Understanding your insurance](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab4)\n- [My thoughts on Heymondo](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab5)\n\n- [The different plans](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab1)\n- [Coverage I look for](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab2)\n- [My claims process](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab3)\n- [Understanding your insurance](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab4)\n- [My thoughts on Heymondo](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#tab5)\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2025\/01\/marek-author-pic.jpg)\n\nby [Marek Bron](https:\/\/www.indietraveller.co\/author\/marek\/)\n\nFounder of Indie Traveller\n\n*May contain affiliate links. See [disclosure & policies](https:\/\/www.indietraveller.co\/disclosure\/).*\n\nHeymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them.\n\nIn this Heymondo review, I will first go through the **different Heymondo plans**. Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another.\n\nI will also discuss **Heymondo’s claims procedure**. This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process.\n\nI’m happy to report that [Heymondo](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) was very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later.\n\nInstead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments.\n\n*Here’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years:*\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/my-policies-heymondo.jpg)\n\n## **Heymondo’s different plans**\nI won’t just repeat every detail of the coverage here since you can find them easily [on the Heymondo website](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first.\n\nHeymondo offers three different types of insurance:\n\n- **Single Trip Insurance** They just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical.\n- ****Long-Stay Insurance**** This includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips.\n- ****Annual Multi-Trip Insurance**** This lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days.\n\nThese plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check [by requesting quotes on the Heymondo site](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). Your results will depend on a few things, such as your home country and where you intend to travel.\n\nKeep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US.\n\n### Single Trip\nIf you just have one specific trip in mind, then [Single Trip Insurance](https:\/\/heymondo.com\/travel-insurance-international\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan.\n\nThere are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you.\n\n|   |   |   |\n|---|---|---|\n| **Coverage** | **Normal** | **Premium** |\n| Emergency Medical Assistance | \\$5,000,000 USD | \\$10,000,000 USD |\n| Baggage | \\$1,700 USD | \\$2,500 USD |\n| Travel Disruption | \\$450 USD | \\$1,500 USD |\n| Trip Cancellation Coverage | \\$3,500 USD | \\$7,000 USD |\n| Other Assistance Coverage | \\$1,250 USD | \\$10,000 USD |\n| Personal Liability | \\$60,000 USD | \\$60,000 USD |\n| Accidental Death or Disability | \\$10,000 USD | \\$60,000 USD |\n| Electronic | Optional | Optional |\n| Adventure Sports | Optional | Optional |\n| Cruise | Not covered | Optional |\n| Rental Car Excess | Not covered | \\$500 USD |\n### Multi Trip\nAs a frequent traveller, I’m a big fan of the [Annual Multi-Trip Insurance](https:\/\/heymondo.com\/annual-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me.\n\nLast year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value.\n\n### Long Stay\nIf you’re a digital nomad travelling without an end date, then [Long Stay Insurance](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is more tailored to your needs. Note that this is a *much* beefier insurance than the typical ‘nomad insurance’ from providers such as [SafetyWing](https:\/\/www.indietraveller.co\/ref\/safety-wing-nomad-insurance\/ \"Safety Wing (Nomad Insurance)\"). For instance, you get up to \\$2,500,000 USD of emergency medical coverage with Heymondo vs. about \\$100,000 with SafetyWing.\n\nIt is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on.\n\nIn my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad *and* a fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage.\n\nThe initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days.\n\n## What I look for in insurance\nAs a backpacker and adventure traveller, **coverage for outdoor activities** is always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on.\n\nYou may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it.\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2017\/06\/P1030244-1.jpg)\n\nTrekking in Nepal: a trip where I needed the extra coverage\n\nMy main reason to get insurance is *not* theft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy.\n\nFor me, **medical and liability coverage** are *the* reasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post [Why should you get travel insurance?](https:\/\/www.indietraveller.co\/travel-insurance-tips\/)\n\n###### Related Post\n[![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2023\/08\/travel_insurance_mountain-150x150.jpg)](https:\/\/www.indietraveller.co\/travel-insurance-tips\/)\n\n[Why Should You Get Travel Insurance? My Honest Advice](https:\/\/www.indietraveller.co\/travel-insurance-tips\/)\n\n[Read More](https:\/\/www.indietraveller.co\/travel-insurance-tips\/)\n\nThat said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%.\n\nFinally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since.\n\nBesides their comprehensive policies, I also like that they have an app and a 24\/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion.\n\n## My claims process\nAnyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim.\n\nIn my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access.\n\nThis included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff\\!\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/carjack-2.jpg)\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/carjack-3.jpg)\n\nI was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned…\n\n### Step 1: Get a police report\nIn cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident.\n\nI had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day.\n\n*(The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.)*\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/report2.jpg)\n\n### Step 2: Get receipts\nFor theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim.\n\n(In the case of a medical issue, your first step will be to use Heymondo’s 24\/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.)\n\n### Step 3: File the claim\nNext, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company.\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/support.png)\n\nHeymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations.\n\nThey also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.)\n\nThey asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details.\n\n**Overall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred.**\n\n## Understanding your insurance\nWhether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved.\n\nInsurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.)\n\nSome examples of things to know:\n\n- Trip cancellation *never* covers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip.\n- Medical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs.\n- Insurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a \\$250 deductible.)\n- In theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise.\n\nThese conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation.\n\n## My thoughts on Heymondo\n**In conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of.**\n\nIf you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours.\n\nOverall, I’m super happy with my [Heymondo travel insurance](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) since it gives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them.\n\nJust be sure to have a look at their [Annual](https:\/\/heymondo.com\/annual-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), [Single Trip](https:\/\/heymondo.com\/travel-insurance-international\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), and [Long Stay plans](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) as one may be better for you than the other based on the type of trip(s) you’re planning.\n\n[Get a tailored quote at Heymondo](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL)\n\n***P.S.** I’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of [my cautionary tales here](https:\/\/www.indietraveller.co\/travel-insurance-tips\/) if you’re doubting if it’s really that useful*\\!\n\n***P.P.S.** The links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.*\n\n**(Re)Published:**   \nJuly 10, 2024\n\n**Last edit:**   \n June 18, 2025\n## Related Posts\n[![Beginner’s Guide To Backpacking South America: 10 Top Things To Know](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/01\/rainbow-mountain-peru-300x200.jpg)](https:\/\/www.indietraveller.co\/backpacking-south-america\/)\n\n### [Beginner’s Guide To Backpacking South America: 10 Top Things To Know](https:\/\/www.indietraveller.co\/backpacking-south-america\/)\nMarek Bron\n\n[![Cost of Travel in Central America: How to Budget Your Trip](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2017\/09\/belize_money-300x200.jpg)](https:\/\/www.indietraveller.co\/central-america-cost-of-travel\/)\n\n### [Cost of Travel in Central America: How to Budget Your Trip](https:\/\/www.indietraveller.co\/central-america-cost-of-travel\/)\nMarek Bron\n\n[![How To Hide Your Location (IP Address) When Working Remotely](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2021\/04\/P1280215-300x200.jpg)](https:\/\/www.indietraveller.co\/best-travel-vpn\/)\n\n### [How To Hide Your Location (IP Address) When Working Remotely](https:\/\/www.indietraveller.co\/best-travel-vpn\/)\nMarek Bron\n\n[![How To Get 2 Trips In 1… By Cleverly Using Layovers](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2025\/02\/banner-layovers-3-300x200.jpg)](https:\/\/www.indietraveller.co\/tips-for-planning-a-layover\/)\n\n### [How To Get 2 Trips In 1… By Cleverly Using Layovers](https:\/\/www.indietraveller.co\/tips-for-planning-a-layover\/)\nMarek Bron\n\n## 8 Comments\n1. ![](https:\/\/secure.gravatar.com\/avatar\/7a90e3cadff75997e5daa0bd0ebadb00a77a64f7e566a89d3e4517160928c9ad?s=50&d=mm&r=g)\n   \n   Mariann\n   \n   [October 30, 2025 at 6:13 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130976)\n   \n   Hi Marek,  \n    I’m planning on signing up for an 8-day horseback riding trip in Albania via EquusJourneys (and via my Italian citizenship) in September 2026 (6 actual days of riding). The primary purpose of this trip IS horseback riding (helmet and riding gear required, along with trip insurance). I would like to confirm with a “live body” (and in writing afterwards to protect me) at the company to ensure that the Heymondo Premium single-trip policy with the Adventure Sports Add-on Supplement for horseback riding inclusion would definitely cover this trip’s “primary purpose”. I read the company’s 38-page PDF on its terms\/conditions, and I’m not entirely certain it does. Thoughts? Reliable contact at the contact to discuss further? Thanks\\!\n   \n   [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130976)\n   - ![](https:\/\/secure.gravatar.com\/avatar\/2b2318d42d0ae8c24e744ed30e761e8db13b73c2db12bb47fe6a6153376237d0?s=50&d=mm&r=g)\n     \n     [Marek Bron](https:\/\/www.indietraveller.co\/)\n     \n     [October 31, 2025 at 9:38 AM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130982)\n     \n     Hi Mariann. It’s difficult for me to answer as this could be a legal technicality. I would get in touch with Heymondo support – whenever I’ve asked for confirmation if something is covered they’ve been able to clarify. The contact details for email\/chat\/whatsapp are at the bottom of the Heymondo site. Sounds like a wonderful trip\\!\n     \n     [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130982)\n2. ![](https:\/\/secure.gravatar.com\/avatar\/9401f2155a63b28f313ee3aaea499fd31b5c29237dc4dd86751ddedae1438221?s=50&d=mm&r=g)\n   \n   Andrea\n   \n   [December 11, 2024 at 11:26 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-129040)\n   \n   Thanks for the tips on insurance. I was set to purchase from Heymondo after extensive research and then I noticed that on the quote page, right at the bottom, which I didn’t noticed till I did the last quote before actual purchase, that for the USA the max age is 49 years old! I am just past that, sadly. Very disappointed.\n   \n   [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-129040)\n   - ![](https:\/\/secure.gravatar.com\/avatar\/af86f87895dfc256ac94d6ebd531ff2e181d2d3d538d9bd8f926200e997da1c6?s=50&d=mm&r=g)\n     \n     Warren Wiscombe\n     \n     [August 1, 2025 at 7:25 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130113)\n     \n     It said 79 not 49 in our case. Maybe 49 just applies to USA travel.\n     \n     [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-130113)\n3. ![](https:\/\/secure.gravatar.com\/avatar\/9d0f6712c2991ec0b4ba8e8c4d670c057c4c1f4057cf697d1344f2a9d3340d51?s=50&d=mm&r=g)\n   \n   Lyl\n   \n   [December 2, 2024 at 5:19 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-128893)\n   \n   I love how you broke down the pros and cons. Your detailed insights into the claims process and customer support were especially useful, thanks for providing such an honest review\\!\n   \n   [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-128893)\n4. ![](https:\/\/secure.gravatar.com\/avatar\/0a61243d449bee1560dbee5b1e49c6b79d4cc37e5ff3c830569bb9bbc391ef9e?s=50&d=mm&r=g)\n   \n   Jeremy Morgan\n   \n   [September 16, 2024 at 4:22 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127629)\n   \n   This company was super disappointing for me. Transavia airline moved my arrival airport from Amsterdam to Eindhoven, over 100km away, several weeks before my flight. HeyMondo wouldn’t cover the cost of my new ticket (\\<\\$500 total for a family of 4) because it wasn't weather or equipment related. This was massively disruptive to my trip, and I spent probably 20 hours working through the claims process with their provider to no avail. I won't be using Heymondo again and despite being a convenient tech-based option, would highly recommend that folks go through a more traditional travel insurance provider.\n   \n   [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127629)\n   - ![](https:\/\/secure.gravatar.com\/avatar\/2b2318d42d0ae8c24e744ed30e761e8db13b73c2db12bb47fe6a6153376237d0?s=50&d=mm&r=g)\n     \n     [Marek](https:\/\/www.indietraveller.co\/)\n     \n     [September 16, 2024 at 8:27 PM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127634)\n     \n     Sorry to hear that Jeremy and it’s a shame Transavia did that. I don’t want to be the “well, actually” guy but I think this may be an example of not knowing what the insurance will cover. I don’t know about your policy, but my Heymondo policy only covers expenses for 12+ hours of travel delay (in specific cases). Eindhoven is an hour by train from Amsterdam. If in doubt, a quick message to Heymondo would confirm whether you could count on expensing your new plane tickets. When trying to claim for something that’s not covered the situation will be the same regardless of insurer.\n     \n     [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127634)\n   - ![](https:\/\/secure.gravatar.com\/avatar\/5bef56cebd4bd760f2746f4c2b6eafe7d94834ac92d5db1acf27b5cdcf649aa0?s=50&d=mm&r=g)\n     \n     [Karsten Aichholz](https:\/\/www.expatden.com\/)\n     \n     [September 17, 2024 at 12:06 AM](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127641)\n     \n     Since Transavia is a Dutch airline and the original arrival airport was Amsterdam, EU passenger rights apply. These state that:\n     \n     “The airline must offer you, on a one off basis, a choice between:  \n      – the reimbursement of your ticket and, if you have a connecting flight, a return flight to the airport of departure at the earliest opportunity  \n      – re-routing to your final destination at the earliest opportunity or,  \n      – re-routing at a later date at your convenience under comparable transport conditions, subject to the availability of seats.”\n     \n     The rules also state that “If the airline does not offer you the choice between reimbursement and re-routing but decides unilaterally to reimburse your original ticket, you are entitled to an additional reimbursement of the price difference with the new ticket (under comparable transport conditions).”\n     \n     See: <https:\/\/europa.eu\/youreurope\/citizens\/travel\/passenger-rights\/air\/index_en.htm#reimbursement-cancellation-1>\n     \n     One of the major reasons that travel insurance have certain exclusions about reasons for travel delays or cancellations is that often other rules will apply that don’t make it necessary to use the insurance in the first place.\n     \n     If you booked this ticket with a credit card, check if that came with trip delay or cancellation insurance as well. In terms of insurance, a diversion of a flight is considered a cancellation, so you may actually have more rights than you think.\n     \n     [Reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#comment-127641)\n\n**All comments are moderated** before they appear.\n\n### Leave a Comment [Cancel reply](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#respond)\n\n##### **By travellers, for travellers**\n100% Human-WRITTEN, NO AI\n\n**Indie Traveller** helps you get the most out of your next adventure with honest guides based on real trips and on-the-ground research.   \n[Here's how we work](https:\/\/www.indietraveller.co\/about\/)\n\n[Subcribe for tips\\!](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/#subscribe)\n\nSubscribe\\!\n\n## and get...\n## 5 emails with our BEST travel tips\n## Monthly newsletter\n\n###### 5 emails with our BEST travel tips\n###### Monthly newsletter\n\n###### Plan Your Trip\n[Pre-Travel Checklist](https:\/\/www.indietraveller.co\/backpacking-checklist\/)\n\n[Essential Resources](https:\/\/www.indietraveller.co\/resources\/)\n\n[Best Travel Insurance](https:\/\/www.indietraveller.co\/heymondo-travel-insurance-review\/)\n\n[Find Cheap Flights](https:\/\/www.indietraveller.co\/how-to-find-a-cheap-flight\/)\n\n[How To Find Ho(s)tels](https:\/\/www.indietraveller.co\/finding-budget-accommodation\/)\n\n[How To Pack](https:\/\/www.indietraveller.co\/how-to-pack-light\/)\n\n[Working Remotely](https:\/\/www.indietraveller.co\/how-to-work-remotely\/)\n\n[Sustainable Travel](https:\/\/www.indietraveller.co\/how-to-travel-sustainably\/)\n\n[**All Travel Tips**](https:\/\/www.indietraveller.co\/category\/travel-tips\/)\n\n###### Destinations\n[Thailand](https:\/\/www.indietraveller.co\/regions\/thailand\/)\n\n[Vietnam](https:\/\/www.indietraveller.co\/regions\/vietnam\/)\n\n[Mexico](https:\/\/www.indietraveller.co\/regions\/mexico\/)\n\n[Peru](https:\/\/www.indietraveller.co\/regions\/peru\/)\n\n[Indonesia](https:\/\/www.indietraveller.co\/regions\/indonesia\/)\n\n[Laos](https:\/\/www.indietraveller.co\/regions\/laos\/)\n\n[Colombia](https:\/\/www.indietraveller.co\/regions\/colombia\/)\n\n[Morocco](https:\/\/www.indietraveller.co\/regions\/morocco\/)\n\n[**All Countries**](https:\/\/www.indietraveller.co\/regions\/)\n\n###### About\n[About Us](https:\/\/www.indietraveller.co\/about\/)\n\n[Editorial Policies](https:\/\/www.indietraveller.co\/disclosure\/)\n\n[Contact](https:\/\/www.indietraveller.co\/about\/#contact)\n\n[Write For Us](https:\/\/www.indietraveller.co\/write-for-me\/)\n\n[Work With Us](https:\/\/www.indietraveller.co\/work-with-me\/)\n\n###### Social\n[YouTube](https:\/\/www.youtube.com\/@indietraveller)\n\n[Instagram](https:\/\/www.instagram.com\/indietravlr\/)\n\n###### Get The Ultimate   Pre-Travel Resource\n[Pack, plan & prepare with Marek's 336-page guide\\!](https:\/\/www.noworriestravel.co\/)\n\n[Free chapter](https:\/\/www.noworriestravel.co\/)\n\n[![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2025\/01\/indie-traveller-logo-white-large.png)](https:\/\/www.indietraveller.co\/)\n\n© 2012 - 2026 Indie Traveller · Published by [Brontosaurus OU](https:\/\/www.brontosaurus.co\/) · [Privacy Policy](https:\/\/www.indietraveller.co\/privacy-policy\/)","attrs_readable_markdown":"Heymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them.\n\nIn this Heymondo review, I will first go through the **different Heymondo plans**. Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another.\n\nI will also discuss **Heymondo’s claims procedure**. This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process.\n\nI’m happy to report that [Heymondo](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) was very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later.\n\nInstead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments.\n\n*Here’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years:*\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/my-policies-heymondo.jpg)\n\n## **Heymondo’s different plans**\nI won’t just repeat every detail of the coverage here since you can find them easily [on the Heymondo website](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first.\n\nHeymondo offers three different types of insurance:\n\n- **Single Trip Insurance** They just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical.\n- ****Long-Stay Insurance**** This includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips.\n- ****Annual Multi-Trip Insurance**** This lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days.\n\nThese plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check [by requesting quotes on the Heymondo site](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). Your results will depend on a few things, such as your home country and where you intend to travel.\n\nKeep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US.\n\n### Single Trip\nIf you just have one specific trip in mind, then [Single Trip Insurance](https:\/\/heymondo.com\/travel-insurance-international\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan.\n\nThere are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you.\n\n|   |   |   |\n|---|---|---|\n| **Coverage** | **Normal** | **Premium** |\n| Emergency Medical Assistance | \\$5,000,000 USD | \\$10,000,000 USD |\n| Baggage | \\$1,700 USD | \\$2,500 USD |\n| Travel Disruption | \\$450 USD | \\$1,500 USD |\n| Trip Cancellation Coverage | \\$3,500 USD | \\$7,000 USD |\n| Other Assistance Coverage | \\$1,250 USD | \\$10,000 USD |\n| Personal Liability | \\$60,000 USD | \\$60,000 USD |\n| Accidental Death or Disability | \\$10,000 USD | \\$60,000 USD |\n| Electronic | Optional | Optional |\n| Adventure Sports | Optional | Optional |\n| Cruise | Not covered | Optional |\n| Rental Car Excess | Not covered | \\$500 USD |\n### Multi Trip\nAs a frequent traveller, I’m a big fan of the [Annual Multi-Trip Insurance](https:\/\/heymondo.com\/annual-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me.\n\nLast year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value.\n\n### Long Stay\nIf you’re a digital nomad travelling without an end date, then [Long Stay Insurance](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is more tailored to your needs. Note that this is a *much* beefier insurance than the typical ‘nomad insurance’ from providers such as [SafetyWing](https:\/\/www.indietraveller.co\/ref\/safety-wing-nomad-insurance\/ \"Safety Wing (Nomad Insurance)\"). For instance, you get up to \\$2,500,000 USD of emergency medical coverage with Heymondo vs. about \\$100,000 with SafetyWing.\n\nIt is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on.\n\nIn my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad *and* a fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage.\n\nThe initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days.\n\n## What I look for in insurance\nAs a backpacker and adventure traveller, **coverage for outdoor activities** is always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on.\n\nYou may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it.\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2017\/06\/P1030244-1.jpg)\n\nTrekking in Nepal: a trip where I needed the extra coverage\n\nMy main reason to get insurance is *not* theft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy.\n\nFor me, **medical and liability coverage** are *the* reasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post [Why should you get travel insurance?](https:\/\/www.indietraveller.co\/travel-insurance-tips\/)\n\nThat said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%.\n\nFinally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since.\n\nBesides their comprehensive policies, I also like that they have an app and a 24\/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion.\n\n## My claims process\nAnyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim.\n\nIn my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access.\n\nThis included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff\\!\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/carjack-2.jpg)\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/carjack-3.jpg)\n\nI was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned…\n\n### Step 1: Get a police report\nIn cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident.\n\nI had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day.\n\n*(The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.)*\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/report2.jpg)\n\n### Step 2: Get receipts\nFor theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim.\n\n(In the case of a medical issue, your first step will be to use Heymondo’s 24\/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.)\n\n### Step 3: File the claim\nNext, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company.\n\n![](https:\/\/www.indietraveller.co\/wp-content\/uploads\/2024\/07\/support.png)\n\nHeymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations.\n\nThey also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.)\n\nThey asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details.\n\n**Overall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred.**\n\n## Understanding your insurance\nWhether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved.\n\nInsurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.)\n\nSome examples of things to know:\n\n- Trip cancellation *never* covers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip.\n- Medical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs.\n- Insurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a \\$250 deductible.)\n- In theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise.\n\nThese conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation.\n\n## My thoughts on Heymondo\n**In conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of.**\n\nIf you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours.\n\nOverall, I’m super happy with my [Heymondo travel insurance](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) since it gives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them.\n\nJust be sure to have a look at their [Annual](https:\/\/heymondo.com\/annual-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), [Single Trip](https:\/\/heymondo.com\/travel-insurance-international\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), and [Long Stay plans](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) as one may be better for you than the other based on the type of trip(s) you’re planning.\n\n[Get a tailored quote at Heymondo](https:\/\/heymondo.com\/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL)\n\n***P.S.** I’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of [my cautionary tales here](https:\/\/www.indietraveller.co\/travel-insurance-tips\/) if you’re doubting if it’s really that useful*\\!\n\n***P.P.S.** The links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.*","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

26 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.9 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.indietraveller.co/heymondo-travel-insurance-review/
Last Crawled	2026-03-23 06:19:08 (26 days ago)
First Indexed	2024-07-04 12:28:35 (1 year ago)
HTTP Status Code	200
Meta Title	Heymondo Insurance Review (After 4 Years & Making A Claim)
Meta Description	Heymondo review with pros and cons of their different plans, plus what actually happened when having to make a large claim.
Meta Canonical	null
Boilerpipe Text	Heymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them. In this Heymondo review, I will first go through the different Heymondo plans . Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another. I will also discuss Heymondo’s claims procedure . This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process. I’m happy to report that Heymondo was very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later. Instead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments. Here’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years: Heymondo’s different plans I won’t just repeat every detail of the coverage here since you can find them easily on the Heymondo website . I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first. Heymondo offers three different types of insurance: Single Trip Insurance They just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical. Long-Stay Insurance This includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips. Annual Multi-Trip Insurance This lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days. These plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check by requesting quotes on the Heymondo site . Your results will depend on a few things, such as your home country and where you intend to travel. Keep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US. Single Trip If you just have one specific trip in mind, then Single Trip Insurance is what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan. There are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you. Coverage Normal Premium Emergency Medical Assistance $5,000,000 USD $10,000,000 USD Baggage $1,700 USD $2,500 USD Travel Disruption $450 USD $1,500 USD Trip Cancellation Coverage $3,500 USD $7,000 USD Other Assistance Coverage $1,250 USD $10,000 USD Personal Liability $60,000 USD $60,000 USD Accidental Death or Disability $10,000 USD $60,000 USD Electronic Optional Optional Adventure Sports Optional Optional Cruise Not covered Optional Rental Car Excess Not covered $500 USD Multi Trip As a frequent traveller, I’m a big fan of the Annual Multi-Trip Insurance . It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me. Last year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value. Long Stay If you’re a digital nomad travelling without an end date, then Long Stay Insurance is more tailored to your needs. Note that this is a much beefier insurance than the typical ‘nomad insurance’ from providers such as SafetyWing . For instance, you get up to $2,500,000 USD of emergency medical coverage with Heymondo vs. about $100,000 with SafetyWing. It is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on. In my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad and a fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage. The initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days. What I look for in insurance As a backpacker and adventure traveller, coverage for outdoor activities is always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on. You may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it. Trekking in Nepal: a trip where I needed the extra coverage My main reason to get insurance is not theft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy. For me, medical and liability coverage are the reasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post Why should you get travel insurance? That said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%. Finally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since. Besides their comprehensive policies, I also like that they have an app and a 24/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion. My claims process Anyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim. In my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access. This included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff! I was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned… Step 1: Get a police report In cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident. I had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day. (The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.) Step 2: Get receipts For theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim. (In the case of a medical issue, your first step will be to use Heymondo’s 24/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.) Step 3: File the claim Next, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company. Heymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations. They also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.) They asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details. Overall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred. Understanding your insurance Whether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved. Insurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.) Some examples of things to know: Trip cancellation never covers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip. Medical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs. Insurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a $250 deductible.) In theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise. These conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation. My thoughts on Heymondo In conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of. If you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours. Overall , I’m super happy with my Heymondo travel insurance since it gives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them. Just be sure to have a look at their Annual , Single Trip , and Long Stay plans as one may be better for you than the other based on the type of trip(s) you’re planning. Get a tailored quote at Heymondo P.S. I’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of my cautionary tales here if you’re doubting if it’s really that useful ! P.P.S. The links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.
Markdown	[Skip to content](https://www.indietraveller.co/heymondo-travel-insurance-review/#content "Skip to content") [![Indie Traveller](https://www.indietraveller.co/wp-content/uploads/2025/05/indie-traveller-logo-white-footprints-medium.png)](https://www.indietraveller.co/ "Indie Traveller") [![Indie Traveller](https://www.indietraveller.co/wp-content/uploads/2025/04/indie-traveller-logo-black-small.png)](https://www.indietraveller.co/ "Indie Traveller") Menu - [Destinations](https://www.indietraveller.co/regions/) - [Southeast Asia](https://www.indietraveller.co/regions/southeast-asia/) - [Thailand](https://www.indietraveller.co/regions/thailand/) - [Vietnam](https://www.indietraveller.co/regions/vietnam/) - [Laos](https://www.indietraveller.co/regions/laos/) - [Cambodia](https://www.indietraveller.co/regions/cambodia/) - [Philippines](https://www.indietraveller.co/regions/philippines/) - [Indonesia](https://www.indietraveller.co/regions/indonesia/) - [Malaysia](https://www.indietraveller.co/regions/malaysia/) - [Singapore](https://www.indietraveller.co/regions/singapore/) - [Myanmar](https://www.indietraveller.co/regions/myanmar/) - [Asia (Other)](https://www.indietraveller.co/regions/asia/) - [Nepal](https://www.indietraveller.co/regions/nepal/) - [Georgia](https://www.indietraveller.co/regions/georgia/) - [Armenia](https://www.indietraveller.co/regions/armenia/) - [Türkiye](https://www.indietraveller.co/regions/turkiye/) - [Central America](https://www.indietraveller.co/regions/central-america/) - [Mexico (NA)](https://www.indietraveller.co/regions/mexico/) - [Belize](https://www.indietraveller.co/regions/belize/) - [Guatemala](https://www.indietraveller.co/regions/guatemala/) - [El Salvador](https://www.indietraveller.co/regions/el-salvador/) - [Nicaragua](https://www.indietraveller.co/regions/nicaragua/) - [Costa Rica](https://www.indietraveller.co/regions/costa-rica/) - [Panama](https://www.indietraveller.co/regions/panama/) - [South America](https://www.indietraveller.co/regions/south-america/) - [Colombia](https://www.indietraveller.co/regions/colombia/) - [Ecuador](https://www.indietraveller.co/regions/ecuador/) - [Peru](https://www.indietraveller.co/regions/peru/) - [Bolivia](https://www.indietraveller.co/regions/bolivia/) - [Africa](https://www.indietraveller.co/regions/africa/) - [Morocco](https://www.indietraveller.co/regions/morocco/) - [Cape Verde](https://www.indietraveller.co/regions/cape-verde/) - [South Africa](https://www.indietraveller.co/regions/south-africa/) - [Europe](https://www.indietraveller.co/regions/europe/) - [Portugal](https://www.indietraveller.co/regions/portugal/) - [Spain](https://www.indietraveller.co/regions/spain/) - [Italy](https://www.indietraveller.co/regions/italy/) - [Croatia](https://www.indietraveller.co/regions/croatia/) - [Albania](https://www.indietraveller.co/regions/albania/) - [Bulgaria](https://www.indietraveller.co/regions/bulgaria/) - [Romania](https://www.indietraveller.co/regions/romania/) - [Bosnia](https://www.indietraveller.co/regions/bosnia/) - [Baltic States](https://www.indietraveller.co/regions/baltic-states/) - [Topics](https://www.indietraveller.co/all-posts/) - [Travel Tips](https://www.indietraveller.co/category/travel-tips/) - [Where To Go](https://www.indietraveller.co/category/where-to-go/) - [Trip Preparation](https://www.indietraveller.co/category/before-you-go/) - [Budget Travel](https://www.indietraveller.co/category/budget-travel/) - [Nomad & Remote](https://www.indietraveller.co/category/nomad/) - [Big Trips](https://www.indietraveller.co/category/big-trips/) - [Backpack Reviews](https://www.indietraveller.co/category/gear-reviews/) - [Ecotourism](https://www.indietraveller.co/category/ecotourism/) - [Hidden Gems](https://www.indietraveller.co/category/hidden-gems/) - [About](https://www.indietraveller.co/about/) - [The Book](https://www.noworriestravel.co/) - [Vlog](https://www.youtube.com/c/@indietraveller) # Heymondo Travel Insurance Review (After 4 Years & Making A Claim) - [The different plans](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab1) - [Coverage I look for](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab2) - [My claims process](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab3) - [Understanding your insurance](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab4) - [My thoughts on Heymondo](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab5) - [The different plans](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab1) - [Coverage I look for](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab2) - [My claims process](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab3) - [Understanding your insurance](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab4) - [My thoughts on Heymondo](https://www.indietraveller.co/heymondo-travel-insurance-review/#tab5) ![](https://www.indietraveller.co/wp-content/uploads/2025/01/marek-author-pic.jpg) by [Marek Bron](https://www.indietraveller.co/author/marek/) Founder of Indie Traveller May contain affiliate links. See [disclosure & policies](https://www.indietraveller.co/disclosure/). Heymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them. In this Heymondo review, I will first go through the different Heymondo plans. Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another. I will also discuss Heymondo’s claims procedure. This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process. I’m happy to report that [Heymondo](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) was very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later. Instead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments. Here’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years: ![](https://www.indietraveller.co/wp-content/uploads/2024/07/my-policies-heymondo.jpg) ## Heymondo’s different plans I won’t just repeat every detail of the coverage here since you can find them easily [on the Heymondo website](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first. Heymondo offers three different types of insurance: - Single Trip Insurance They just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical. - **Long-Stay Insurance This includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips. - Annual Multi-Trip Insurance This lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days. These plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check [by requesting quotes on the Heymondo site](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). Your results will depend on a few things, such as your home country and where you intend to travel. Keep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US. ### Single Trip If you just have one specific trip in mind, then [Single Trip Insurance](https://heymondo.com/travel-insurance-international/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan. There are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you. \| \| \| \| \|---\|---\|---\| \| Coverage \| Normal \| Premium** \| \| Emergency Medical Assistance \| \$5,000,000 USD \| \$10,000,000 USD \| \| Baggage \| \$1,700 USD \| \$2,500 USD \| \| Travel Disruption \| \$450 USD \| \$1,500 USD \| \| Trip Cancellation Coverage \| \$3,500 USD \| \$7,000 USD \| \| Other Assistance Coverage \| \$1,250 USD \| \$10,000 USD \| \| Personal Liability \| \$60,000 USD \| \$60,000 USD \| \| Accidental Death or Disability \| \$10,000 USD \| \$60,000 USD \| \| Electronic \| Optional \| Optional \| \| Adventure Sports \| Optional \| Optional \| \| Cruise \| Not covered \| Optional \| \| Rental Car Excess \| Not covered \| \$500 USD \| ### Multi Trip As a frequent traveller, I’m a big fan of the [Annual Multi-Trip Insurance](https://heymondo.com/annual-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me. Last year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value. ### Long Stay If you’re a digital nomad travelling without an end date, then [Long Stay Insurance](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is more tailored to your needs. Note that this is a much beefier insurance than the typical ‘nomad insurance’ from providers such as [SafetyWing](https://www.indietraveller.co/ref/safety-wing-nomad-insurance/ "Safety Wing (Nomad Insurance)"). For instance, you get up to \$2,500,000 USD of emergency medical coverage with Heymondo vs. about \$100,000 with SafetyWing. It is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on. In my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad and a fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage. The initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days. ## What I look for in insurance As a backpacker and adventure traveller, coverage for outdoor activities is always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on. You may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it. ![](https://www.indietraveller.co/wp-content/uploads/2017/06/P1030244-1.jpg) Trekking in Nepal: a trip where I needed the extra coverage My main reason to get insurance is not theft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy. For me, medical and liability coverage are the reasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post [Why should you get travel insurance?](https://www.indietraveller.co/travel-insurance-tips/) ###### Related Post [![](https://www.indietraveller.co/wp-content/uploads/2023/08/travel_insurance_mountain-150x150.jpg)](https://www.indietraveller.co/travel-insurance-tips/) [Why Should You Get Travel Insurance? My Honest Advice](https://www.indietraveller.co/travel-insurance-tips/) [Read More](https://www.indietraveller.co/travel-insurance-tips/) That said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%. Finally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since. Besides their comprehensive policies, I also like that they have an app and a 24/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion. ## My claims process Anyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim. In my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access. This included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff\! ![](https://www.indietraveller.co/wp-content/uploads/2024/07/carjack-2.jpg) ![](https://www.indietraveller.co/wp-content/uploads/2024/07/carjack-3.jpg) I was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned… ### Step 1: Get a police report In cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident. I had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day. (The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.) ![](https://www.indietraveller.co/wp-content/uploads/2024/07/report2.jpg) ### Step 2: Get receipts For theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim. (In the case of a medical issue, your first step will be to use Heymondo’s 24/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.) ### Step 3: File the claim Next, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company. ![](https://www.indietraveller.co/wp-content/uploads/2024/07/support.png) Heymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations. They also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.) They asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details. Overall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred. ## Understanding your insurance Whether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved. Insurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.) Some examples of things to know: - Trip cancellation never covers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip. - Medical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs. - Insurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a \$250 deductible.) - In theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise. These conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation. ## My thoughts on Heymondo In conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of. If you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours. Overall, I’m super happy with my [Heymondo travel insurance](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) since it gives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them. Just be sure to have a look at their [Annual](https://heymondo.com/annual-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), [Single Trip](https://heymondo.com/travel-insurance-international/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), and [Long Stay plans](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) as one may be better for you than the other based on the type of trip(s) you’re planning. [Get a tailored quote at Heymondo](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) *P.S. I’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of [my cautionary tales here](https://www.indietraveller.co/travel-insurance-tips/) if you’re doubting if it’s really that useful\! P.P.S. The links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.* (Re)Published: July 10, 2024 Last edit: June 18, 2025 ## Related Posts [![Beginner’s Guide To Backpacking South America: 10 Top Things To Know](https://www.indietraveller.co/wp-content/uploads/2024/01/rainbow-mountain-peru-300x200.jpg)](https://www.indietraveller.co/backpacking-south-america/) ### [Beginner’s Guide To Backpacking South America: 10 Top Things To Know](https://www.indietraveller.co/backpacking-south-america/) Marek Bron [![Cost of Travel in Central America: How to Budget Your Trip](https://www.indietraveller.co/wp-content/uploads/2017/09/belize_money-300x200.jpg)](https://www.indietraveller.co/central-america-cost-of-travel/) ### [Cost of Travel in Central America: How to Budget Your Trip](https://www.indietraveller.co/central-america-cost-of-travel/) Marek Bron [![How To Hide Your Location (IP Address) When Working Remotely](https://www.indietraveller.co/wp-content/uploads/2021/04/P1280215-300x200.jpg)](https://www.indietraveller.co/best-travel-vpn/) ### [How To Hide Your Location (IP Address) When Working Remotely](https://www.indietraveller.co/best-travel-vpn/) Marek Bron [![How To Get 2 Trips In 1… By Cleverly Using Layovers](https://www.indietraveller.co/wp-content/uploads/2025/02/banner-layovers-3-300x200.jpg)](https://www.indietraveller.co/tips-for-planning-a-layover/) ### [How To Get 2 Trips In 1… By Cleverly Using Layovers](https://www.indietraveller.co/tips-for-planning-a-layover/) Marek Bron ## 8 Comments 1. ![](https://secure.gravatar.com/avatar/7a90e3cadff75997e5daa0bd0ebadb00a77a64f7e566a89d3e4517160928c9ad?s=50&d=mm&r=g) Mariann [October 30, 2025 at 6:13 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130976) Hi Marek, I’m planning on signing up for an 8-day horseback riding trip in Albania via EquusJourneys (and via my Italian citizenship) in September 2026 (6 actual days of riding). The primary purpose of this trip IS horseback riding (helmet and riding gear required, along with trip insurance). I would like to confirm with a “live body” (and in writing afterwards to protect me) at the company to ensure that the Heymondo Premium single-trip policy with the Adventure Sports Add-on Supplement for horseback riding inclusion would definitely cover this trip’s “primary purpose”. I read the company’s 38-page PDF on its terms/conditions, and I’m not entirely certain it does. Thoughts? Reliable contact at the contact to discuss further? Thanks\! [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130976) - ![](https://secure.gravatar.com/avatar/2b2318d42d0ae8c24e744ed30e761e8db13b73c2db12bb47fe6a6153376237d0?s=50&d=mm&r=g) [Marek Bron](https://www.indietraveller.co/) [October 31, 2025 at 9:38 AM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130982) Hi Mariann. It’s difficult for me to answer as this could be a legal technicality. I would get in touch with Heymondo support – whenever I’ve asked for confirmation if something is covered they’ve been able to clarify. The contact details for email/chat/whatsapp are at the bottom of the Heymondo site. Sounds like a wonderful trip\! [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130982) 2. ![](https://secure.gravatar.com/avatar/9401f2155a63b28f313ee3aaea499fd31b5c29237dc4dd86751ddedae1438221?s=50&d=mm&r=g) Andrea [December 11, 2024 at 11:26 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-129040) Thanks for the tips on insurance. I was set to purchase from Heymondo after extensive research and then I noticed that on the quote page, right at the bottom, which I didn’t noticed till I did the last quote before actual purchase, that for the USA the max age is 49 years old! I am just past that, sadly. Very disappointed. [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-129040) - ![](https://secure.gravatar.com/avatar/af86f87895dfc256ac94d6ebd531ff2e181d2d3d538d9bd8f926200e997da1c6?s=50&d=mm&r=g) Warren Wiscombe [August 1, 2025 at 7:25 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130113) It said 79 not 49 in our case. Maybe 49 just applies to USA travel. [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-130113) 3. ![](https://secure.gravatar.com/avatar/9d0f6712c2991ec0b4ba8e8c4d670c057c4c1f4057cf697d1344f2a9d3340d51?s=50&d=mm&r=g) Lyl [December 2, 2024 at 5:19 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-128893) I love how you broke down the pros and cons. Your detailed insights into the claims process and customer support were especially useful, thanks for providing such an honest review\! [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-128893) 4. ![](https://secure.gravatar.com/avatar/0a61243d449bee1560dbee5b1e49c6b79d4cc37e5ff3c830569bb9bbc391ef9e?s=50&d=mm&r=g) Jeremy Morgan [September 16, 2024 at 4:22 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127629) This company was super disappointing for me. Transavia airline moved my arrival airport from Amsterdam to Eindhoven, over 100km away, several weeks before my flight. HeyMondo wouldn’t cover the cost of my new ticket (\<\$500 total for a family of 4) because it wasn't weather or equipment related. This was massively disruptive to my trip, and I spent probably 20 hours working through the claims process with their provider to no avail. I won't be using Heymondo again and despite being a convenient tech-based option, would highly recommend that folks go through a more traditional travel insurance provider. [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127629) - ![](https://secure.gravatar.com/avatar/2b2318d42d0ae8c24e744ed30e761e8db13b73c2db12bb47fe6a6153376237d0?s=50&d=mm&r=g) [Marek](https://www.indietraveller.co/) [September 16, 2024 at 8:27 PM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127634) Sorry to hear that Jeremy and it’s a shame Transavia did that. I don’t want to be the “well, actually” guy but I think this may be an example of not knowing what the insurance will cover. I don’t know about your policy, but my Heymondo policy only covers expenses for 12+ hours of travel delay (in specific cases). Eindhoven is an hour by train from Amsterdam. If in doubt, a quick message to Heymondo would confirm whether you could count on expensing your new plane tickets. When trying to claim for something that’s not covered the situation will be the same regardless of insurer. [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127634) - ![](https://secure.gravatar.com/avatar/5bef56cebd4bd760f2746f4c2b6eafe7d94834ac92d5db1acf27b5cdcf649aa0?s=50&d=mm&r=g) [Karsten Aichholz](https://www.expatden.com/) [September 17, 2024 at 12:06 AM](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127641) Since Transavia is a Dutch airline and the original arrival airport was Amsterdam, EU passenger rights apply. These state that: “The airline must offer you, on a one off basis, a choice between: – the reimbursement of your ticket and, if you have a connecting flight, a return flight to the airport of departure at the earliest opportunity – re-routing to your final destination at the earliest opportunity or, – re-routing at a later date at your convenience under comparable transport conditions, subject to the availability of seats.” The rules also state that “If the airline does not offer you the choice between reimbursement and re-routing but decides unilaterally to reimburse your original ticket, you are entitled to an additional reimbursement of the price difference with the new ticket (under comparable transport conditions).” See: <https://europa.eu/youreurope/citizens/travel/passenger-rights/air/index_en.htm#reimbursement-cancellation-1> One of the major reasons that travel insurance have certain exclusions about reasons for travel delays or cancellations is that often other rules will apply that don’t make it necessary to use the insurance in the first place. If you booked this ticket with a credit card, check if that came with trip delay or cancellation insurance as well. In terms of insurance, a diversion of a flight is considered a cancellation, so you may actually have more rights than you think. [Reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#comment-127641) All comments are moderated before they appear. ### Leave a Comment [Cancel reply](https://www.indietraveller.co/heymondo-travel-insurance-review/#respond) ##### By travellers, for travellers 100% Human-WRITTEN, NO AI Indie Traveller helps you get the most out of your next adventure with honest guides based on real trips and on-the-ground research. [Here's how we work](https://www.indietraveller.co/about/) [Subcribe for tips\!](https://www.indietraveller.co/heymondo-travel-insurance-review/#subscribe) Subscribe\! ## and get... ## 5 emails with our BEST travel tips ## Monthly newsletter ###### 5 emails with our BEST travel tips ###### Monthly newsletter ###### Plan Your Trip [Pre-Travel Checklist](https://www.indietraveller.co/backpacking-checklist/) [Essential Resources](https://www.indietraveller.co/resources/) [Best Travel Insurance](https://www.indietraveller.co/heymondo-travel-insurance-review/) [Find Cheap Flights](https://www.indietraveller.co/how-to-find-a-cheap-flight/) [How To Find Ho(s)tels](https://www.indietraveller.co/finding-budget-accommodation/) [How To Pack](https://www.indietraveller.co/how-to-pack-light/) [Working Remotely](https://www.indietraveller.co/how-to-work-remotely/) [Sustainable Travel](https://www.indietraveller.co/how-to-travel-sustainably/) [All Travel Tips](https://www.indietraveller.co/category/travel-tips/) ###### Destinations [Thailand](https://www.indietraveller.co/regions/thailand/) [Vietnam](https://www.indietraveller.co/regions/vietnam/) [Mexico](https://www.indietraveller.co/regions/mexico/) [Peru](https://www.indietraveller.co/regions/peru/) [Indonesia](https://www.indietraveller.co/regions/indonesia/) [Laos](https://www.indietraveller.co/regions/laos/) [Colombia](https://www.indietraveller.co/regions/colombia/) [Morocco](https://www.indietraveller.co/regions/morocco/) [All Countries](https://www.indietraveller.co/regions/) ###### About [About Us](https://www.indietraveller.co/about/) [Editorial Policies](https://www.indietraveller.co/disclosure/) [Contact](https://www.indietraveller.co/about/#contact) [Write For Us](https://www.indietraveller.co/write-for-me/) [Work With Us](https://www.indietraveller.co/work-with-me/) ###### Social [YouTube](https://www.youtube.com/@indietraveller) [Instagram](https://www.instagram.com/indietravlr/) ###### Get The Ultimate Pre-Travel Resource [Pack, plan & prepare with Marek's 336-page guide\!](https://www.noworriestravel.co/) [Free chapter](https://www.noworriestravel.co/) [![](https://www.indietraveller.co/wp-content/uploads/2025/01/indie-traveller-logo-white-large.png)](https://www.indietraveller.co/) © 2012 - 2026 Indie Traveller · Published by [Brontosaurus OU](https://www.brontosaurus.co/) · [Privacy Policy](https://www.indietraveller.co/privacy-policy/)
Readable Markdown	Heymondo is the travel insurer I’ve been using continuously since 2020. Because I’ve had positive first-hand experiences with them, I’ve been recommending them at Indie Traveller. Wondering if it might also be right for you? Then read on as I share my real experiences with them. In this Heymondo review, I will first go through the different Heymondo plans. Based on your trip length or needs, you can save money or get more flexibility by choosing one package over another. I will also discuss Heymondo’s claims procedure. This is really the litmus test of any travel insurer, but it’s not usually something reviews discuss at all (for understandable reasons… it’s not often you have to make a claim). I’ve had to actually make a large claim with Heymondo, so I can tell you more about this process. I’m happy to report that [Heymondo](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) was very responsive to my queries and honored their obligations fully. However, there are some important things to be aware of about travel insurance, which I’ll explain a bit later. Instead of blindly signing up for just any travel insurance, it’s essential to know what you are actually getting (and what is expected of you in the case of incidents) so you can avoid any possible disappointments. Here’s a screenshot from my Heymondo app just to show that I’ve actually been a customer for many years: ![](https://www.indietraveller.co/wp-content/uploads/2024/07/my-policies-heymondo.jpg) ## Heymondo’s different plans I won’t just repeat every detail of the coverage here since you can find them easily [on the Heymondo website](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). I think it’s more useful to talk about the different plans they offer, since this could be a little confusing at first. Heymondo offers three different types of insurance: - Single Trip Insurance They just call this “Travel Insurance” on their site, but this policy is for just one trip with a specific beginning and end date. The cost is based on the total number of travel days. You can choose from three coverage levels: Normal, Premium, and Medical. - **Long-Stay Insurance This includes 3 months of coverage (renewable). Ideal for digital nomads or for long ongoing trips. - Annual Multi-Trip Insurance This lets you insure all of your trips for a whole year, with a maximum individual trip length of 60 days. These plans differ somewhat in terms of coverage for medical, theft, cancellation, and so on. You can check [by requesting quotes on the Heymondo site](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). Your results will depend on a few things, such as your home country and where you intend to travel. Keep in mind that if your destinations include the USA, your premium will go up a lot. This is normal with any travel insurance due to the high cost of medical treatment there. Always select ‘World except USA’ if you have no plans of travelling in the US. ### Single Trip If you just have one specific trip in mind, then [Single Trip Insurance](https://heymondo.com/travel-insurance-international/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is what you need. I recommend this for shorter trips but also for backpacking trips lasting over 60 days, which wouldn’t be covered under the Annual Multi-Trip plan. There are three levels of coverage: Normal, Medical, and Premium. Heymondo Premium costs only 15-20% more than the Top and Medical policies but the coverage is much more comprehensive, so it’s worth comparing these plans to see which one offers the best value for you. \| \| \| \| \|---\|---\|---\| \| Coverage \| Normal \| Premium** \| \| Emergency Medical Assistance \| \$5,000,000 USD \| \$10,000,000 USD \| \| Baggage \| \$1,700 USD \| \$2,500 USD \| \| Travel Disruption \| \$450 USD \| \$1,500 USD \| \| Trip Cancellation Coverage \| \$3,500 USD \| \$7,000 USD \| \| Other Assistance Coverage \| \$1,250 USD \| \$10,000 USD \| \| Personal Liability \| \$60,000 USD \| \$60,000 USD \| \| Accidental Death or Disability \| \$10,000 USD \| \$60,000 USD \| \| Electronic \| Optional \| Optional \| \| Adventure Sports \| Optional \| Optional \| \| Cruise \| Not covered \| Optional \| \| Rental Car Excess \| Not covered \| \$500 USD \| ### Multi Trip As a frequent traveller, I’m a big fan of the [Annual Multi-Trip Insurance](https://heymondo.com/annual-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL). It’s the plan that I’ve been using for 4 years. I usually do two big trips per year (of about 4-6 weeks each) plus lots of shorter ones, so this plan ends up being a very cost-effective option for me. Last year, I paid about €200 for a whole year’s coverage including an add-on for covering my electronics against theft. Considering how much I travel, this offers incredible value. ### Long Stay If you’re a digital nomad travelling without an end date, then [Long Stay Insurance](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) is more tailored to your needs. Note that this is a much beefier insurance than the typical ‘nomad insurance’ from providers such as [SafetyWing](https://www.indietraveller.co/ref/safety-wing-nomad-insurance/ "Safety Wing (Nomad Insurance)"). For instance, you get up to \$2,500,000 USD of emergency medical coverage with Heymondo vs. about \$100,000 with SafetyWing. It is also actual travel insurance and not only medical insurance, so you’re covered for things like baggage loss, cancellation, or many adventure activities like hiking, balloon riding, kayaking, and so on. In my opinion, Heymondo Long Stay Insurance is ideal if you’re a nomad and a fairly active traveller, whereas Genki or Safetywing may be more suited to a more stationary nomad just needing basic medical coverage. The initial policy period is for 3 months, but after that you can renew in increments of 30, 120, 180 or 275 days. ## What I look for in insurance As a backpacker and adventure traveller, coverage for outdoor activities is always very important to me. Heymondo’s default coverage includes numerous activities such as kayaking, sailing, SUP, offroading, snorkelling, camping, and so on. You may need to get an add-on for more adventurous or extreme activities. Things like canyoning, rafting, caving, or trekking at altitudes over 3,000 meters are only covered if you get this. I’ve had a few situations where I needed the add-on, such as when I went trekking high up in the Himalayas. I like that it’s an option so that you’re not paying for it if you don’t need it. ![](https://www.indietraveller.co/wp-content/uploads/2017/06/P1030244-1.jpg) Trekking in Nepal: a trip where I needed the extra coverage My main reason to get insurance is not theft coverage, even though this is usually the first thing people think about. I think getting some gear stolen is still a recoverable setback — it’s unfortunate but also not the end of the world. However, needing a medical evacuation or hospital treatment could be extremely costly and potentially even lead to personal bankruptcy. For me, medical and liability coverage are the reasons to get travel insurance. All the rest of it is icing on the cake. For more thought on this, read my post [Why should you get travel insurance?](https://www.indietraveller.co/travel-insurance-tips/) That said, theft coverage is always very nice to have. By default, Heymondo will cover all your belongings, though only 50% of the value of the electronic equipment (laptop, tablet, camera, etc.). An optional add-on lets you raise this to 100%. Finally, I look for an insurer I can trust. I initially ended up with Heymondo because my previous insurer kept raising prices before making some really unfair decisions during the COVID-19 pandemic. Meanwhile, Heymondo was one of the few companies that kept insuring its customers despite the global health crisis. This made me think more highly of them and I’ve stuck with them ever since. Besides their comprehensive policies, I also like that they have an app and a 24/7 medical chat function, which can be of enormous help when you’re in a country where people don’t speak your language or when you need a quick second opinion. ## My claims process Anyway, the part you’re probably most curious about is whether Heymondo actually does what they promise! So let me share what happened to me when I had to make a claim. In my 12 years of travel blogging, I’ve only ever had to claim for small things here and there. That is… until I left my rental car parked by a beach during a road trip in Portugal. When I got back a few hours later, I found my car had been broken into and all of my gear (that was hidden in the trunk) had been stolen via the back seat access. This included my precious Macbook Air, two tripods, a DJI wireless microphone system, and more — all in all, over 1200 Euros worth of stuff\! ![](https://www.indietraveller.co/wp-content/uploads/2024/07/carjack-2.jpg) ![](https://www.indietraveller.co/wp-content/uploads/2024/07/carjack-3.jpg) I was shocked. I thought it’d be reasonably safe to hide stuff in the trunk or boot, especially when I hadn’t opened it at any point. What I didn’t yet know is that thieves can use WiFi signal detectors to see if there’s anything worth stealing inside. Lesson learned… ### Step 1: Get a police report In cases of theft, it’s essential to get an official police report. Without this, an insurer will never pay anything out. Of course, reporting a crime is also just a good idea. For insurance purposes, you need to file a police report no later than 48 hours after the incident. I had to visit the local police station and then fill out a few forms. There, I met a campervanning couple who’d parked in the same area and who were now without their laptop and expensive drone. It seems like those thieves had a good day. (The couple had lost almost 4000 Euros of gear but were uninsured… and this happened on their second day in Portugal.) ![](https://www.indietraveller.co/wp-content/uploads/2024/07/report2.jpg) ### Step 2: Get receipts For theft claims, you also need the original receipts of the stolen items. Luckily, most of the items I’d bought online, so I just needed to go into my order history for the receipts. If you buy any of your travel gear in a brick-and-mortar store, be sure to keep the paper receipts in case you ever need them for a claim. (In the case of a medical issue, your first step will be to use Heymondo’s 24/7 assistance platform so they can help you make an appointment at the nearest medical center or hospital. If you do this, then you won’t need to worry about receipts, because the hospital and insurer will sort it out between them. However, you should still keep any receipts if you get medical help without such a referral.) ### Step 3: File the claim Next, I had to contact Heymondo. It’s important to note that while they handle customer support, the actual claims processing is done by a third party. This is pretty standard for travel insurers, as the policies are typically underwritten by a larger company. ![](https://www.indietraveller.co/wp-content/uploads/2024/07/support.png) Heymondo responded quickly to my inquiry and helped me understand what is or isn’t covered under my policy. In my case, I could claim for the items lost and part of the damage to the car, but not for any stolen money. I’d read my policy when I bought it, so this was in line with my expectations. They also confirmed what information would be needed for the claim. In my case, I had to submit it to IRIS Global, but this depends on your home country and which Heymondo plan you have, as they work with more than one underwriter. (Currently they work with AXA, IRIS Global, and Starr depending on where the person is from.) They asked me to allow 20-30 days to process the claim. It took them 18 days to reply to me with confirmation and a request for my bank details. Overall, I was very happy with the claims process. Heymondo Customer Support was very helpful and responsive, and my correspondence with the claims processors was entirely straightforward. I received the money in my bank account about four weeks after the incident occurred. ## Understanding your insurance Whether it’s with Heymondo or any other travel insurance, I do recommend reviewing your policy details so you broadly understand what is and isn’t covered. Insurance is not a free money tree, and specific conditions are often involved. Insurance is a well-regulated industry and insurers have to comply with their contractual obligations. However, I’ve noticed some reviewers misunderstand what they’re actually covered for and then blame the insurance when they deny a claim. (Mind you, I’m all for holding companies accountable! But ‘user error’ is quite common.) Some examples of things to know: - Trip cancellation never covers cancelling a trip just because you changed your mind! It only applies in severe situations, like a death in your family forcing you to abandon your trip. - Medical coverage typically does not apply to preexisting conditions, chronic diseases, routine checkups, etc. It’s for medical emergencies abroad only, not for basic healthcare needs. - Insurance plans often have an ‘excess’ or ‘deductible’, meaning you need to pay a part first before the insurance covers the rest. (Heymondo’s single-trip insurance has zero deductible, but their other plans do have a \$250 deductible.) - In theft cases, depreciation will be calculated based on the year you bought the item(s). In other words, you won’t be paid the new price if your stolen item is already some years old. This is a normal accounting practice, but it could still come as a surprise. These conditions might be a bit annoying, but remember that travel insurance is all about covering the worst-case scenarios, like major medical expenses or forced trip cancellation. ## My thoughts on Heymondo In conclusion, Heymondo is 100% legit and they pay out what is due. Just know that insurance always comes with specific conditions to be aware of. If you are on your trip and are ever unsure if a situation is covered, you can use the app to contact customer support, as they can easily re-confirm this for you. In the three times I’ve done this, Heymondo responded within a few hours. Overall, I’m super happy with my [Heymondo travel insurance](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) since it gives me peace of mind when I’m on the road, knowing that I won’t have to worry about the worst-case situations. Their plans cover all the things I need and I found their claims process to be fair and smooth. So, based on my experiences with Heymondo, I can happily recommend them. Just be sure to have a look at their [Annual](https://heymondo.com/annual-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), [Single Trip](https://heymondo.com/travel-insurance-international/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL), and [Long Stay plans](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) as one may be better for you than the other based on the type of trip(s) you’re planning. [Get a tailored quote at Heymondo](https://heymondo.com/?utm_medium=Affiliate&utm_source=INDIETRAVELLER&cod_descuento=INDIETRAVELLER&ag_campaign=heymondo-travel-insurance-review&agencia=49d4b47df39c752edb6529aaa51055c0281d&redirect=TEMPORAL) *P.S. I’ve always travelled with full travel insurance and wouldn’t ever travel internationally without it. Whether you should get travel insurance is up to you, but check some of [my cautionary tales here](https://www.indietraveller.co/travel-insurance-tips/) if you’re doubting if it’s really that useful\! P.P.S. The links in this post are affiliate links (not sponsored), meaning I can earn a small commission. You’ll also get a 5% discount, which is a referral offer I wanted to pass on to you.*
Shard	133 (laksa)
Root Hash	8503135588379926133
Unparsed URL	co,indietraveller!www,/heymondo-travel-insurance-review/ s443