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1. Shard Calculation

Query:

Response:

Calculated Shard: 109 (from laksa006)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa109.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.weseektravel.com/heymondo-review/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.weseektravel.com/heymondo-review/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.weseektravel.com\/heymondo-review\/","crawl_time":1774411548,"first_indexed_time":1716873106,"http_code":200,"src_unparsed":"com,weseektravel!www,\/heymondo-review\/ s443","src_root_hash":"17904983551295061509","history_drop_reason":null,"meta_title":"Heymondo Review: My Travel Insurance Experience","meta_descriptions":["In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here's my review of making a claim with HeyMondo."],"attrs_boilerpipe_text":"In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo.\nI’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example\nwhen my entire backpack was stolen in Barcelona\n.\nSo, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a\nmessed up bicep for life\n– I was pretty stoked that I had maintained\nmy long term travel insurance\n.\nNote:\nWhile I did have an\noverall\ngood experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly.\nA Long Story Short\nThe Claim Process\nHospital Visits and MRI Scans\nThe Surgery\nVerdict: Would I Recommend HeyMondo?\nA Long Story Short\nSh** happens when you travel.\nUnfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me.\nHere's a quick overview of my experience dealing with HeyMondo for this surgery.\nThe good:\nI needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week.\nI needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately ($500+) with no issues.\nI had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over\n$10,000\nand\nHeyMondo\ncovered the\nmajority of this.\nThe bad:\nUnfortunately, there was a clause in the policy that didn't cover \"surgical implants\"– which meant I was out of pocket around $2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms.\nI was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an \"emergency\". I was not impressed with this.\nI needed to buy a sling and a rather expensive range of motion limiting brace for $350– HeyMondo did not cover this.\nI needed physiotherapy to regain my range of motion after surgery, HeyMondo covered $150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself.\nThere was a bit of back and forth between several different \"agents\" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern.\nOverall, I'm aware that HeyMondo is a relatively\ncheap backpacker travel insurance\noption. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice.\nThe Claim Process\nImmediately after the injury, I contacted HeyMondo immediately via their\napp\n(online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare.\nThe initial call went well and I was feeling a bit more confident that I wasn't out here on my own.\nHowever, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a \"local agent\" to handle my case.\nI've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later.\nHospital Visits and MRI Scans\nEach hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery.\nThe Surgery\nHeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day.\nHowever, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about.\nTo my surprise, HeyMondo approved the payment\nwithin an hour\nand I was set to have surgery the following day. They told me immediately that they would not cover the \"surgical button\", which I'd already discussed with my agents.\nAt this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible.\nGrowing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport.\nStoked with a successful surgery and feeling the Thai painkillers\nVerdict: Would I Recommend HeyMondo?\nAfter having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage (\nmake sure to check if it's a right fit for you\n).\nIn fact, I still use\nHeyMondo's Long stay insurance\nas my main travel coverage now.\nAs mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially $1,000s per month if I was paying for the\npremium\ntravel insurance companies.\nAfter the rather smooth process & happy result, I've partnered with HeyMondo to offer\n5% OFF HeyMondo\ntheir policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is.","attrs_markdown":"[Skip to Content](https:\/\/www.weseektravel.com\/heymondo-review\/#content)\n\nSearch\n\nClose Search ×\n\n[We Seek Travel](https:\/\/www.weseektravel.com\/ \"We Seek Travel\")\n\n- [Blog](https:\/\/www.weseektravel.com\/blog\/)\n  - [Hiking](https:\/\/www.weseektravel.com\/category\/hikes\/)\n  - [Tours](https:\/\/www.weseektravel.com\/category\/tours\/)\n  - [Where to Stay](https:\/\/www.weseektravel.com\/category\/accommodation\/)\n  - [Packing & Gear](https:\/\/www.weseektravel.com\/category\/packing-guides\/)\n- [Destinations](https:\/\/www.weseektravel.com\/adventure-travel-destinations\/)\n  - [Column 1](https:\/\/www.weseektravel.com\/heymondo-review\/)\n    - [Africa](https:\/\/www.weseektravel.com\/heymondo-review\/##)\n      - [Egypt](https:\/\/www.weseektravel.com\/category\/egypt\/)\n      - [Seychelles](https:\/\/www.weseektravel.com\/category\/seychelles\/)\n      - [Tanzania](https:\/\/www.weseektravel.com\/category\/tanzania\/)\n      - [Uganda](https:\/\/www.weseektravel.com\/category\/uganda\/)\n    - [Asia](https:\/\/www.weseektravel.com\/heymondo-review\/##)\n      - [India](https:\/\/www.weseektravel.com\/category\/india\/)\n      - [Indonesia](https:\/\/www.weseektravel.com\/category\/indonesia\/)\n      - [Malaysia](https:\/\/www.weseektravel.com\/category\/malaysia\/)\n      - [Myanmar](https:\/\/www.weseektravel.com\/category\/myanmar\/)\n      - [Nepal](https:\/\/www.weseektravel.com\/category\/nepal\/)\n      - [Pakistan](https:\/\/www.weseektravel.com\/category\/pakistan\/)\n      - [Philippines](https:\/\/www.weseektravel.com\/category\/philippines\/)\n      - [Sri Lanka](https:\/\/www.weseektravel.com\/category\/sri-lanka\/)\n      - [Thailand](https:\/\/www.weseektravel.com\/category\/thailand\/)\n      - [Turkey](https:\/\/www.weseektravel.com\/category\/turkey\/)\n  - [Column 2](https:\/\/www.weseektravel.com\/heymondo-review\/)\n    - [Americas](https:\/\/www.weseektravel.com\/heymondo-review\/##)\n      - [Colombia](https:\/\/www.weseektravel.com\/category\/colombia\/)\n      - [Costa Rica](https:\/\/www.weseektravel.com\/category\/costa-rica\/)\n      - [Mexico](https:\/\/www.weseektravel.com\/category\/mexico\/)\n      - [United States](https:\/\/www.weseektravel.com\/category\/united-states\/)\n    - [Europe](https:\/\/www.weseektravel.com\/heymondo-review\/##)\n      - [Croatia](https:\/\/www.weseektravel.com\/category\/croatia\/)\n      - [Greece](https:\/\/www.weseektravel.com\/category\/greece\/)\n      - [Iceland](https:\/\/www.weseektravel.com\/category\/iceland\/)\n      - [Malta](https:\/\/www.weseektravel.com\/category\/malta\/)\n      - [Montenegro](https:\/\/www.weseektravel.com\/category\/montenegro\/)\n      - [Norway](https:\/\/www.weseektravel.com\/category\/norway\/)\n    - [Oceania](https:\/\/www.weseektravel.com\/heymondo-review\/##)\n      - [Australia](https:\/\/www.weseektravel.com\/category\/australia\/)\n      - [New Zealand](https:\/\/www.weseektravel.com\/category\/new-zealand\/)\n      - [Solomon Islands](https:\/\/www.weseektravel.com\/category\/solomon-islands\/)\n- [About](https:\/\/www.weseektravel.com\/about\/)\n- [Contact](https:\/\/www.weseektravel.com\/contact\/)\n\n![Heymondo Review: My Travel Insurance Experience](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/heymondo-review-1.jpg)\n\n# Heymondo Review: My Travel Insurance Experience\nBy: Author [Olly Gaspar](https:\/\/www.weseektravel.com\/about\/)\n\nPosted on Last updated: March 16, 2025\n\n[Comment](https:\/\/www.weseektravel.com\/heymondo-review\/#mv-trellis-comments)\n\n[![Skip to Content](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2023\/11\/skip-1.svg)](https:\/\/www.weseektravel.com\/heymondo-review\/#content)\n\n[Home](https:\/\/www.weseektravel.com\/) › [Travel Resources](https:\/\/www.weseektravel.com\/category\/resources\/) › Heymondo Review\n\n![Olly Gaspar](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2023\/10\/olly-gaspar1-optim-1-3-copy.jpg)\n\nBy **Olly Gaspar**, full-time traveler for 7 years. I visit every place I write about & share real tips, photos, & advice from my trips.\n\n*In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo.*\n\nI’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example *when my entire backpack was stolen in Barcelona*.\n\nSo, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a **messed up bicep for life**– I was pretty stoked that I had maintained [my long term travel insurance](https:\/\/www.weseektravel.com\/travel-insurance-long-trips\/).\n\n**Note:** While I did have an *overall* good experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly.\n\nTable of Contents\n\n- [A Long Story Short](https:\/\/www.weseektravel.com\/heymondo-review\/#a-long-story-short)\n- [The Claim Process](https:\/\/www.weseektravel.com\/heymondo-review\/#the-claim-process)\n- [Hospital Visits and MRI Scans](https:\/\/www.weseektravel.com\/heymondo-review\/#hospital-visits-and-mri-scans)\n- [The Surgery](https:\/\/www.weseektravel.com\/heymondo-review\/#the-surgery)\n- [Verdict: Would I Recommend HeyMondo?](https:\/\/www.weseektravel.com\/heymondo-review\/#verdict-would-i-recommend-hey-mondo)\n## A Long Story Short\n*Sh\\*\\* happens when you travel.* Unfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me.\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-1024x768.jpg)\n\n![Travel insurance surgery ward](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C\/svg%3E)\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-1024x768.jpg)\n\n*Here's a quick overview of my experience dealing with HeyMondo for this surgery.*\n\n**The good:**\n\n- I needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week.\n- I needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately (\\$500+) with no issues.\n- I had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over **\\$10,000** and [HeyMondo](https:\/\/heymondo.com\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) covered the *majority of this.*\n\n**The bad:**\n\n- Unfortunately, there was a clause in the policy that didn't cover \"surgical implants\"– which meant I was out of pocket around \\$2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms.\n- I was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an \"emergency\". I was not impressed with this.\n- I needed to buy a sling and a rather expensive range of motion limiting brace for \\$350– HeyMondo did not cover this.\n- I needed physiotherapy to regain my range of motion after surgery, HeyMondo covered \\$150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself.\n- There was a bit of back and forth between several different \"agents\" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern.\n\nOverall, I'm aware that HeyMondo is a relatively [cheap backpacker travel insurance](https:\/\/www.weseektravel.com\/best-cheap-backpacking-insurance\/) option. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice.\n\n**Read:** [SafetyWing vs WorldNomads](https:\/\/www.weseektravel.com\/safetywing-vs-world-nomads\/)\n\n## The Claim Process\nImmediately after the injury, I contacted HeyMondo immediately via their **app** (online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare.\n\nThe initial call went well and I was feeling a bit more confident that I wasn't out here on my own.\n\nHowever, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a \"local agent\" to handle my case.\n\nI've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later.\n\n**Read:** [My Heymondo vs SafetyWing Review](https:\/\/www.weseektravel.com\/heymondo-vs-safetywing-review\/)\n\n![Traveler with a broken arm in Thailand](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-3-1024x768.jpg)\n\n![Traveler with a broken arm in Thailand](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C\/svg%3E)\n\n![Traveler with a broken arm in Thailand](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-3-1024x768.jpg)\n## Hospital Visits and MRI Scans\nEach hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery.\n\n## The Surgery\nHeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day.\n\nHowever, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about.\n\nTo my surprise, HeyMondo approved the payment **within an hour** and I was set to have surgery the following day. They told me immediately that they would not cover the \"surgical button\", which I'd already discussed with my agents.\n\nAt this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible.\n\nGrowing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport.\n\n**Going trekking?** Read my guide to [trekking travel insurance](https:\/\/www.weseektravel.com\/best-trekking-travel-insurance\/)\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-2-1024x768.jpg)\n\n![Travel insurance surgery ward](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C\/svg%3E)\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-2-1024x768.jpg)\n\nStoked with a successful surgery and feeling the Thai painkillers\n## Verdict: Would I Recommend HeyMondo?\nAfter having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage (*make sure to check if it's a right fit for you*).\n\nIn fact, I still use [HeyMondo's Long stay insurance](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=LONG-STAY&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB&redirect=LARGA_ESTANCIA) as my main travel coverage now.\n\nAs mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially \\$1,000s per month if I was paying for the *premium* travel insurance companies.\n\nAfter the rather smooth process & happy result, I've partnered with HeyMondo to offer [5% OFF HeyMondo](https:\/\/heymondo.com\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) their policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is.\n\nCategories  [Travel Resources](https:\/\/www.weseektravel.com\/category\/resources\/)\n\n![Olly Gaspar](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='768'%20height='768'%20viewBox='0%200%20768%20768'%3E%3C\/svg%3E)\n\n![Olly Gaspar](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2023\/10\/olly-gaspar1-optim-1-3-copy.jpg)\n\nThanks for Reading\n\nOlly Gaspar is a professional travel writer and adventure photographer, and the original founder of We Seek Travel. He started this blog in 2018 at the beginning of a near-decade of non-stop world travel. Every post is written and photographed from first-hand experience, covering travel itineraries, remote hiking, gear lists, and accommodation guides. His work has been featured in Condé Nast Traveler and the Daily Mail, and he's partnered with 100+ tourism brands including the Seychelles Tourism Board, Visit Malta, and Visit Solomons and TTNQ.\n\nWe only make genuine, worthwhile recommendations based on our experience, expertise, & research. If you buy through our links, we may earn a commission at no extra cost to you, [supporting this website](https:\/\/www.weseektravel.com\/save-money\/#h-this-is-how-to-support-we-seek-travel-amp-save-money) and keeping our guides current. Read [Our Publishing Ethics Statement](https:\/\/www.weseektravel.com\/principles\/).\n\n## Post navigation\n[![](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1400'%20height='875'%20viewBox='0%200%201400%20875'%3E%3C\/svg%3E)![](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/gozo-malta-1.jpg)](https:\/\/www.weseektravel.com\/is-gozo-worth-it\/)\n\n[Is Gozo Worth Visiting? Here’s My Take](https:\/\/www.weseektravel.com\/is-gozo-worth-it\/)\n\n[![](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1400'%20height='875'%20viewBox='0%200%201400%20875'%3E%3C\/svg%3E)![](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/long-term-travel-insurance-1.jpg)](https:\/\/www.weseektravel.com\/travel-insurance-long-trips\/)\n\n[Finding the Best Long-Term Travel Insurance for Big Trips](https:\/\/www.weseektravel.com\/travel-insurance-long-trips\/)\n\n[Click here to cancel reply.](https:\/\/www.weseektravel.com\/heymondo-review\/#respond)\n\n![Olly Gaspar](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2023\/11\/olly-gaspar-1-6.jpg)\n\n![Olly Gaspar](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='768'%20height='768'%20viewBox='0%200%20768%20768'%3E%3C\/svg%3E)\n\n![Olly Gaspar](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2023\/11\/olly-gaspar-1-6.jpg)\n\nAbout We Seek Travel\n\nWe Seek Travel was founded by Olly Gaspar, adventure traveler from Australia. He created this blog to share his first-hand experiences & photography from 7 years of traveling the world full-time. Today, We Seek Travel features over 800+ travel guides written by real travelers who have actually been there. [Read Olly's story.](https:\/\/www.weseektravel.com\/about\/#my-story)\n\n[![Sidebar Image](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/10\/olly-gaspar-travel-1-3.jpg) ![Sidebar Image](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='1000'%20height='1000'%20viewBox='0%200%201000%201000'%3E%3C\/svg%3E) ![Sidebar Image](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/10\/olly-gaspar-travel-1-3.jpg) What's in my Travel Camera Backpack? See all the camera gear I carry around the world.](https:\/\/www.weseektravel.com\/travel-camera-gear\/)\n\nPopular\n\n- [Olly’s Travel Camera Gear](https:\/\/www.weseektravel.com\/travel-camera-gear\/)\n- [How to Start a Travel Blog](https:\/\/www.weseektravel.com\/how-to-start-a-travel-blog\/)\n- [Trekking Travel Insurance](https:\/\/www.weseektravel.com\/best-trekking-travel-insurance\/)\n- [Best Travel Water Filter Bottle](https:\/\/www.weseektravel.com\/best-water-filter-bottle\/)\n\nTopics\n\n- [Tours](https:\/\/www.weseektravel.com\/category\/tours\/)\n- [Hiking Guides](https:\/\/www.weseektravel.com\/category\/hikes\/)\n- [Accommodation Guides](https:\/\/www.weseektravel.com\/category\/accommodation\/)\n- [Travel Gear & Packing](https:\/\/www.weseektravel.com\/category\/packing-guides\/)\n\nMore\n\n- [Olly’s Story](https:\/\/weseektravel.com\/about\/#my-story)\n- [Travel Resources](https:\/\/www.weseektravel.com\/category\/resources\/)\n- [Publishing Principles](https:\/\/www.weseektravel.com\/principles\/)\n\n© 2024 We Seek Travel\n\nⒸ 2025 We Seek Travel All rights reserved\n\n[![we seek travel facebook icon](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='45'%20height='45'%20viewBox='0%200%2045%2045'%3E%3C\/svg%3E)![we seek travel facebook icon](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2022\/12\/facebook-icon.png)](https:\/\/www.facebook.com\/weseektravel\/)\n\n[![we seek travel pinterest icon](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='45'%20height='45'%20viewBox='0%200%2045%2045'%3E%3C\/svg%3E)![we seek travel pinterest icon](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2022\/12\/pinterest-icon.png)](https:\/\/www.pinterest.com\/weseektravel_\/)\n\n[![we seek travel instagram icon](data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20width='45'%20height='45'%20viewBox='0%200%2045%2045'%3E%3C\/svg%3E)![we seek travel instagram icon](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2022\/12\/instagram-icon.png)](https:\/\/www.instagram.com\/ollygaspar\/)\n\n[Privacy & Disclosures](https:\/\/www.weseektravel.com\/disclosures\/) \\| [Terms](https:\/\/www.weseektravel.com\/terms\/) \\| [Sitemap](https:\/\/www.weseektravel.com\/sitemap\/)","attrs_readable_markdown":"*In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo.*\n\nI’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example *when my entire backpack was stolen in Barcelona*.\n\nSo, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a **messed up bicep for life**– I was pretty stoked that I had maintained [my long term travel insurance](https:\/\/www.weseektravel.com\/travel-insurance-long-trips\/).\n\n**Note:** While I did have an *overall* good experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly.\n\n- [A Long Story Short](https:\/\/www.weseektravel.com\/heymondo-review\/#a-long-story-short)\n- [The Claim Process](https:\/\/www.weseektravel.com\/heymondo-review\/#the-claim-process)\n- [Hospital Visits and MRI Scans](https:\/\/www.weseektravel.com\/heymondo-review\/#hospital-visits-and-mri-scans)\n- [The Surgery](https:\/\/www.weseektravel.com\/heymondo-review\/#the-surgery)\n- [Verdict: Would I Recommend HeyMondo?](https:\/\/www.weseektravel.com\/heymondo-review\/#verdict-would-i-recommend-hey-mondo)\n## A Long Story Short\n*Sh\\*\\* happens when you travel.* Unfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me.\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-1024x768.jpg)\n\n*Here's a quick overview of my experience dealing with HeyMondo for this surgery.*\n\n**The good:**\n\n- I needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week.\n- I needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately (\\$500+) with no issues.\n- I had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over **\\$10,000** and [HeyMondo](https:\/\/heymondo.com\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) covered the *majority of this.*\n\n**The bad:**\n\n- Unfortunately, there was a clause in the policy that didn't cover \"surgical implants\"– which meant I was out of pocket around \\$2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms.\n- I was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an \"emergency\". I was not impressed with this.\n- I needed to buy a sling and a rather expensive range of motion limiting brace for \\$350– HeyMondo did not cover this.\n- I needed physiotherapy to regain my range of motion after surgery, HeyMondo covered \\$150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself.\n- There was a bit of back and forth between several different \"agents\" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern.\n\nOverall, I'm aware that HeyMondo is a relatively [cheap backpacker travel insurance](https:\/\/www.weseektravel.com\/best-cheap-backpacking-insurance\/) option. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice.\n\n## The Claim Process\nImmediately after the injury, I contacted HeyMondo immediately via their **app** (online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare.\n\nThe initial call went well and I was feeling a bit more confident that I wasn't out here on my own.\n\nHowever, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a \"local agent\" to handle my case.\n\nI've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later.\n\n![Traveler with a broken arm in Thailand](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-3-1024x768.jpg)\n\n## Hospital Visits and MRI Scans\nEach hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery.\n\n## The Surgery\nHeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day.\n\nHowever, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about.\n\nTo my surprise, HeyMondo approved the payment **within an hour** and I was set to have surgery the following day. They told me immediately that they would not cover the \"surgical button\", which I'd already discussed with my agents.\n\nAt this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible.\n\nGrowing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport.\n\n![Travel insurance surgery ward](https:\/\/www.weseektravel.com\/wp-content\/uploads\/2024\/05\/travel-insurance-1-2-1024x768.jpg)\n\nStoked with a successful surgery and feeling the Thai painkillers\n## Verdict: Would I Recommend HeyMondo?\nAfter having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage (*make sure to check if it's a right fit for you*).\n\nIn fact, I still use [HeyMondo's Long stay insurance](https:\/\/heymondo.com\/long-stay-travel-insurance\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=LONG-STAY&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB&redirect=LARGA_ESTANCIA) as my main travel coverage now.\n\nAs mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially \\$1,000s per month if I was paying for the *premium* travel insurance companies.\n\nAfter the rather smooth process & happy result, I've partnered with HeyMondo to offer [5% OFF HeyMondo](https:\/\/heymondo.com\/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) their policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is.","meta_canonical":null}

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Meta Description	In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here's my review of making a claim with HeyMondo.
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Boilerpipe Text	In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo. I’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example when my entire backpack was stolen in Barcelona . So, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a messed up bicep for life – I was pretty stoked that I had maintained my long term travel insurance . Note: While I did have an overall good experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly. A Long Story Short The Claim Process Hospital Visits and MRI Scans The Surgery Verdict: Would I Recommend HeyMondo? A Long Story Short Sh** happens when you travel. Unfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me. Here's a quick overview of my experience dealing with HeyMondo for this surgery. The good: I needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week. I needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately ($500+) with no issues. I had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over $10,000 and HeyMondo covered the majority of this. The bad: Unfortunately, there was a clause in the policy that didn't cover "surgical implants"– which meant I was out of pocket around $2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms. I was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an "emergency". I was not impressed with this. I needed to buy a sling and a rather expensive range of motion limiting brace for $350– HeyMondo did not cover this. I needed physiotherapy to regain my range of motion after surgery, HeyMondo covered $150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself. There was a bit of back and forth between several different "agents" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern. Overall, I'm aware that HeyMondo is a relatively cheap backpacker travel insurance option. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice. The Claim Process Immediately after the injury, I contacted HeyMondo immediately via their app (online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare. The initial call went well and I was feeling a bit more confident that I wasn't out here on my own. However, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a "local agent" to handle my case. I've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later. Hospital Visits and MRI Scans Each hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery. The Surgery HeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day. However, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about. To my surprise, HeyMondo approved the payment within an hour and I was set to have surgery the following day. They told me immediately that they would not cover the "surgical button", which I'd already discussed with my agents. At this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible. Growing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport. Stoked with a successful surgery and feeling the Thai painkillers Verdict: Would I Recommend HeyMondo? After having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage ( make sure to check if it's a right fit for you ). In fact, I still use HeyMondo's Long stay insurance as my main travel coverage now. As mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially $1,000s per month if I was paying for the premium travel insurance companies. After the rather smooth process & happy result, I've partnered with HeyMondo to offer 5% OFF HeyMondo their policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is.
Markdown	[Skip to Content](https://www.weseektravel.com/heymondo-review/#content) Search Close Search × [We Seek Travel](https://www.weseektravel.com/ "We Seek Travel") - [Blog](https://www.weseektravel.com/blog/) - [Hiking](https://www.weseektravel.com/category/hikes/) - [Tours](https://www.weseektravel.com/category/tours/) - [Where to Stay](https://www.weseektravel.com/category/accommodation/) - [Packing & Gear](https://www.weseektravel.com/category/packing-guides/) - [Destinations](https://www.weseektravel.com/adventure-travel-destinations/) - [Column 1](https://www.weseektravel.com/heymondo-review/) - [Africa](https://www.weseektravel.com/heymondo-review/##) - [Egypt](https://www.weseektravel.com/category/egypt/) - [Seychelles](https://www.weseektravel.com/category/seychelles/) - [Tanzania](https://www.weseektravel.com/category/tanzania/) - [Uganda](https://www.weseektravel.com/category/uganda/) - [Asia](https://www.weseektravel.com/heymondo-review/##) - [India](https://www.weseektravel.com/category/india/) - [Indonesia](https://www.weseektravel.com/category/indonesia/) - [Malaysia](https://www.weseektravel.com/category/malaysia/) - [Myanmar](https://www.weseektravel.com/category/myanmar/) - [Nepal](https://www.weseektravel.com/category/nepal/) - [Pakistan](https://www.weseektravel.com/category/pakistan/) - [Philippines](https://www.weseektravel.com/category/philippines/) - [Sri Lanka](https://www.weseektravel.com/category/sri-lanka/) - [Thailand](https://www.weseektravel.com/category/thailand/) - [Turkey](https://www.weseektravel.com/category/turkey/) - [Column 2](https://www.weseektravel.com/heymondo-review/) - [Americas](https://www.weseektravel.com/heymondo-review/##) - [Colombia](https://www.weseektravel.com/category/colombia/) - [Costa Rica](https://www.weseektravel.com/category/costa-rica/) - [Mexico](https://www.weseektravel.com/category/mexico/) - [United States](https://www.weseektravel.com/category/united-states/) - [Europe](https://www.weseektravel.com/heymondo-review/##) - [Croatia](https://www.weseektravel.com/category/croatia/) - [Greece](https://www.weseektravel.com/category/greece/) - [Iceland](https://www.weseektravel.com/category/iceland/) - [Malta](https://www.weseektravel.com/category/malta/) - [Montenegro](https://www.weseektravel.com/category/montenegro/) - [Norway](https://www.weseektravel.com/category/norway/) - [Oceania](https://www.weseektravel.com/heymondo-review/##) - [Australia](https://www.weseektravel.com/category/australia/) - [New Zealand](https://www.weseektravel.com/category/new-zealand/) - [Solomon Islands](https://www.weseektravel.com/category/solomon-islands/) - [About](https://www.weseektravel.com/about/) - [Contact](https://www.weseektravel.com/contact/) ![Heymondo Review: My Travel Insurance Experience](https://www.weseektravel.com/wp-content/uploads/2024/05/heymondo-review-1.jpg) # Heymondo Review: My Travel Insurance Experience By: Author [Olly Gaspar](https://www.weseektravel.com/about/) Posted on Last updated: March 16, 2025 [Comment](https://www.weseektravel.com/heymondo-review/#mv-trellis-comments) [![Skip to Content](https://www.weseektravel.com/wp-content/uploads/2023/11/skip-1.svg)](https://www.weseektravel.com/heymondo-review/#content) [Home](https://www.weseektravel.com/) › [Travel Resources](https://www.weseektravel.com/category/resources/) › Heymondo Review ![Olly Gaspar](https://www.weseektravel.com/wp-content/uploads/2023/10/olly-gaspar1-optim-1-3-copy.jpg) By Olly Gaspar, full-time traveler for 7 years. I visit every place I write about & share real tips, photos, & advice from my trips. In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo. I’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example when my entire backpack was stolen in Barcelona. So, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a messed up bicep for life– I was pretty stoked that I had maintained [my long term travel insurance](https://www.weseektravel.com/travel-insurance-long-trips/). Note: While I did have an overall good experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly. Table of Contents - [A Long Story Short](https://www.weseektravel.com/heymondo-review/#a-long-story-short) - [The Claim Process](https://www.weseektravel.com/heymondo-review/#the-claim-process) - [Hospital Visits and MRI Scans](https://www.weseektravel.com/heymondo-review/#hospital-visits-and-mri-scans) - [The Surgery](https://www.weseektravel.com/heymondo-review/#the-surgery) - [Verdict: Would I Recommend HeyMondo?](https://www.weseektravel.com/heymondo-review/#verdict-would-i-recommend-hey-mondo) ## A Long Story Short Sh\\* happens when you travel.* Unfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me. ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-1024x768.jpg) ![Travel insurance surgery ward](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C/svg%3E) ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-1024x768.jpg) Here's a quick overview of my experience dealing with HeyMondo for this surgery. The good: - I needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week. - I needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately (\$500+) with no issues. - I had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over \$10,000 and [HeyMondo](https://heymondo.com/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) covered the majority of this. The bad: - Unfortunately, there was a clause in the policy that didn't cover "surgical implants"– which meant I was out of pocket around \$2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms. - I was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an "emergency". I was not impressed with this. - I needed to buy a sling and a rather expensive range of motion limiting brace for \$350– HeyMondo did not cover this. - I needed physiotherapy to regain my range of motion after surgery, HeyMondo covered \$150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself. - There was a bit of back and forth between several different "agents" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern. Overall, I'm aware that HeyMondo is a relatively [cheap backpacker travel insurance](https://www.weseektravel.com/best-cheap-backpacking-insurance/) option. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice. Read: [SafetyWing vs WorldNomads](https://www.weseektravel.com/safetywing-vs-world-nomads/) ## The Claim Process Immediately after the injury, I contacted HeyMondo immediately via their app (online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare. The initial call went well and I was feeling a bit more confident that I wasn't out here on my own. However, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a "local agent" to handle my case. I've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later. Read: [My Heymondo vs SafetyWing Review](https://www.weseektravel.com/heymondo-vs-safetywing-review/) ![Traveler with a broken arm in Thailand](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-3-1024x768.jpg) ![Traveler with a broken arm in Thailand](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C/svg%3E) ![Traveler with a broken arm in Thailand](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-3-1024x768.jpg) ## Hospital Visits and MRI Scans Each hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery. ## The Surgery HeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day. However, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about. To my surprise, HeyMondo approved the payment within an hour and I was set to have surgery the following day. They told me immediately that they would not cover the "surgical button", which I'd already discussed with my agents. At this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible. Growing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport. Going trekking? Read my guide to [trekking travel insurance](https://www.weseektravel.com/best-trekking-travel-insurance/) ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-2-1024x768.jpg) ![Travel insurance surgery ward](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='1024'%20height='768'%20viewBox='0%200%201024%20768'%3E%3C/svg%3E) ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-2-1024x768.jpg) Stoked with a successful surgery and feeling the Thai painkillers ## Verdict: Would I Recommend HeyMondo? After having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage (make sure to check if it's a right fit for you). In fact, I still use [HeyMondo's Long stay insurance](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=LONG-STAY&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB&redirect=LARGA_ESTANCIA) as my main travel coverage now. As mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially \$1,000s per month if I was paying for the premium travel insurance companies. After the rather smooth process & happy result, I've partnered with HeyMondo to offer [5% OFF HeyMondo](https://heymondo.com/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) their policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is. Categories [Travel Resources](https://www.weseektravel.com/category/resources/) ![Olly Gaspar](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='768'%20height='768'%20viewBox='0%200%20768%20768'%3E%3C/svg%3E) ![Olly Gaspar](https://www.weseektravel.com/wp-content/uploads/2023/10/olly-gaspar1-optim-1-3-copy.jpg) Thanks for Reading Olly Gaspar is a professional travel writer and adventure photographer, and the original founder of We Seek Travel. He started this blog in 2018 at the beginning of a near-decade of non-stop world travel. Every post is written and photographed from first-hand experience, covering travel itineraries, remote hiking, gear lists, and accommodation guides. His work has been featured in Condé Nast Traveler and the Daily Mail, and he's partnered with 100+ tourism brands including the Seychelles Tourism Board, Visit Malta, and Visit Solomons and TTNQ. We only make genuine, worthwhile recommendations based on our experience, expertise, & research. If you buy through our links, we may earn a commission at no extra cost to you, [supporting this website](https://www.weseektravel.com/save-money/#h-this-is-how-to-support-we-seek-travel-amp-save-money) and keeping our guides current. Read [Our Publishing Ethics Statement](https://www.weseektravel.com/principles/). ## Post navigation [![](data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='1400'%20height='875'%20viewBox='0%200%201400%20875'%3E%3C/svg%3E)![](https://www.weseektravel.com/wp-content/uploads/2024/05/gozo-malta-1.jpg)](https://www.weseektravel.com/is-gozo-worth-it/) [Is Gozo Worth Visiting? 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Readable Markdown	In 2024, disaster struck and I had to have emergency surgery while traveling in Thailand. Here’s my review of making a claim with HeyMondo. I’ve been on the road now full-time since 2018 and luckily, I’ve only had to make small travel insurance claims, for example when my entire backpack was stolen in Barcelona. So, when I ruptured my distal bicep tendon in Thailand and was told that I needed surgery within 14 days or risk a messed up bicep for life– I was pretty stoked that I had maintained [my long term travel insurance](https://www.weseektravel.com/travel-insurance-long-trips/). Note: While I did have an overall good experience claiming my surgery with HeyMondo, this is an honest review of my experience and there were things I wasn’t happy about that left me out of pocket slightly. - [A Long Story Short](https://www.weseektravel.com/heymondo-review/#a-long-story-short) - [The Claim Process](https://www.weseektravel.com/heymondo-review/#the-claim-process) - [Hospital Visits and MRI Scans](https://www.weseektravel.com/heymondo-review/#hospital-visits-and-mri-scans) - [The Surgery](https://www.weseektravel.com/heymondo-review/#the-surgery) - [Verdict: Would I Recommend HeyMondo?](https://www.weseektravel.com/heymondo-review/#verdict-would-i-recommend-hey-mondo) ## A Long Story Short Sh\\* happens when you travel.* Unfortunately, ripping my bicep off the bone put a halt to my trip plans in Thailand. Luckily, Thailand has one of the best medical systems in the world and is known for offering high-quality healthcare services, and things worked out well for me. ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-1024x768.jpg) Here's a quick overview of my experience dealing with HeyMondo for this surgery. The good: - I needed several hospital visits and doctor's appointments. I was able to pay for small consultations myself to speed up the process and HeyMondo reimbursed me for all of these within a week. - I needed an MRI to confirm the rupture of my distal biceps tendon prior to surgery. HeyMondo organized and paid for this immediately (\$500+) with no issues. - I had surgery to attach my bicep back to my arm within 10 days of the injury, which is considered quite good. The total cost was over \$10,000 and [HeyMondo](https://heymondo.com/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) covered the majority of this. The bad: - Unfortunately, there was a clause in the policy that didn't cover "surgical implants"– which meant I was out of pocket around \$2,000 for the tiny button the surgeon had to use to complete the surgery. I was annoyed about this but it's clear in their terms. - I was also out of pocket for travel costs back and forth from the hospital, which added up quite a bit since I was taking the ferries from Koh Lanta back to Phuket. I tried to claim this with Heymondo but again, it wasn't covered under their policy since it wasn't an "emergency". I was not impressed with this. - I needed to buy a sling and a rather expensive range of motion limiting brace for \$350– HeyMondo did not cover this. - I needed physiotherapy to regain my range of motion after surgery, HeyMondo covered \$150 of this, which was luckily enough for on consultation to set out a plan that I could follow by myself. - There was a bit of back and forth between several different "agents" handling my claim. It got very annoying having to explain my situation over and over again to different agents but in the end, they never tried to get out of paying for the surgery which was always my biggest concern. Overall, I'm aware that HeyMondo is a relatively [cheap backpacker travel insurance](https://www.weseektravel.com/best-cheap-backpacking-insurance/) option. And for the price of their coverage, I was very happy about the overall service and coverage. Of course, I wasn't happy about the clauses that left me out of pocket– but I knew what I was getting into when I chose a cheaper option and was willing to make that sacrifice. ## The Claim Process Immediately after the injury, I contacted HeyMondo immediately via their app (online call). This was a welcome feature for me since trying to claim with international calls is an absolute nightmare. The initial call went well and I was feeling a bit more confident that I wasn't out here on my own. However, I was surprised that I had to line up the hospital consultation myself if I wanted to speed up the process. Otherwise, they told me that it would take some time to organize a "local agent" to handle my case. I've visited Thailand countless times over the years so I decided to organize everything myself to speed up the process, which involved organizing a taxi to the hospital and paying for the consultation up-front, to be reimbursed later. ![Traveler with a broken arm in Thailand](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-3-1024x768.jpg) ## Hospital Visits and MRI Scans Each hospital visit went very smoothly, and I never had to fight for my claim. To be honest, after reading the terms and conditions of HeyMondo's policy, they were pretty clear-cut, and there wasn't much they could do to get out of paying for the surgery. ## The Surgery HeyMondo took charge after the initial consultations and MRI scans and sent me to Bangkok Hospital Phuket, which has a very good reputation internationally. At first, I thought that I was going to be having surgery that very day. However, the hospital asked me to sign some estimates for the pricing, which they would send HeyMondo. They told me that I couldn't have the surgery before we got the preapproval from them. They told me that in some cases, this can take up to 48 hours, which I was not happy about. To my surprise, HeyMondo approved the payment within an hour and I was set to have surgery the following day. They told me immediately that they would not cover the "surgical button", which I'd already discussed with my agents. At this point, this didn't bother me too much, since I knew that I needed surgery as quickly as possible. Growing up in Australia, I'm used to very long waiting lines and rather slow movement on the insurance and surgery front. So, I was stoked that on day 10 I was admitted for surgery. I stayed for two nights and HeyMondo paid for everything besides the brace, button, and transport. ![Travel insurance surgery ward](https://www.weseektravel.com/wp-content/uploads/2024/05/travel-insurance-1-2-1024x768.jpg) Stoked with a successful surgery and feeling the Thai painkillers ## Verdict: Would I Recommend HeyMondo? After having to make a rather large claim and dealing with several hospital visits, scans, surgery, and follow-up medical visits, I do recommend HeyMondo travel insurance if you are looking for a low-cost option with decent coverage (make sure to check if it's a right fit for you). In fact, I still use [HeyMondo's Long stay insurance](https://heymondo.com/long-stay-travel-insurance/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=LONG-STAY&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB&redirect=LARGA_ESTANCIA) as my main travel coverage now. As mentioned above, there were some things that I wasn't able to claim and things that could have been better. However, I find their policies to be well priced for me, saving me potentially \$1,000s per month if I was paying for the premium travel insurance companies. After the rather smooth process & happy result, I've partnered with HeyMondo to offer [5% OFF HeyMondo](https://heymondo.com/?utm_medium=Afiliado&utm_source=WESEEKTRAVEL&utm_campaign=PRINCIPAL&cod_descuento=WESEEKTRAVEL&ag_campaign=GENERAL&agencia=UncWezEZu3WpDBLcXon6jx0UhRDL3z7LagY1kUEB) their policies for We Seek Travel readers. As you can see from this post, this has not influenced my opinion and I will always tell it to you like it is.
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