Heymondo or Chapka: Which is better? Comparison + Discounts 2026

We summarize the fine print and share it Our personal opinion on whether Chapka or Heymondo is better in 2026. Updated in January 2026 ✔

Heymondo or Chapka Which insurance is better? (our opinion)

After years of traveling independently and trying different insurances, we can say that both Heymondo as Chapka They are reliable and competitive insurersBut if you ask us which is better, our answer depends a lot on the type of trip you're going to take.

👉 If you are organizing a Heymondo holidays convince us more. Your policy Tranquility Trip, offers VERY complete coverage at a price that is hard to beat.

👉 For long trips, Work & Holiday or stays of several months abroad, we opted for ChapkaIts range of insurance plans is very well adapted to this traveler profile and covers situations that other insurers don't.

That said, Chapka is also a good choice for holidays. Overall, for At a lower price, you can purchase a policy with good coverage. (not as tall as Heymondo). Below we will go into more detail with different Heymondo or Chapka comparisons this 2026.

Better policies Heymondo or Chapka

So much Heymondo as Chapka They offer various insurance options depending on the type of trip, destination, and duration. Here, we focus only on the most recommended policies for vacations and short breaks of a few weeks. If you prefer a more comprehensive comparison, with prices and coverage from many other insurers, we recommend using our new tool. insurance comparator.

Heymondo Comparison

• Tranquility Trip: The one that offers the best value for money, with €500.000 or 1M (depends on the destination) in medical coverage, repatriation, baggage, delays, and assistance in Spanish. In our opinion. It is currently the best option on the market. for almost any type of trip and traveler.
• Top TripA more comprehensive version, ideal if you want medical coverage of up to 5 million in destinations caros, higher limits on luggage theft or if your trip will include adventure sports.

➤ View Heymondo policies With discount

There are two more policies; Essential Travel and Premium TravelThe first one being very basic, in our opinion we do not recommend itWe also don't recommend the most expensive policy carBecause we don't consider it necessary to have unlimited coverage, although of course it's a personal thing and it also has other advantages such as greater coverage in lost luggage that may suit you.

To When traveling around Europe, there is only Assistance insurance. Which is also interesting: for a lower price, you get health, liability, and repatriation coverage. For getaways in Europe, especially to natural destinations like a route through IcelandFor Norway or Ireland, we consider it essential to travel with insurance.

Chapka Comparison

• CAP Trip Basic: The most economical option with €350.000 in medical expenses, repatriation, and luggage coverage, among many other benefits. Perfect for trips to destinations such as Asia or Europe. at the limit of what we consider to be well covered, lower amounts would be too fair for certain medical problems.
• CAP Trip PlusDesigned for destinations with very good healthcarecarThe US plan includes €2,5 million in medical assistance. It's interesting that it includes... coverage for pre-existing conditions, something that very few insurers cover.

➤ View Chapka policies With discount

▷ Chapka Discount | See all active promotions
▷ Heymondo Discount | See all active promotions

Comparative best travel insurance 2026 depending on destination

As there is no more visual way than seeing both options presented in a table, we leave it below Three types of trips comparing policies from both companies so that we can analyze which is better Chapka or Heymondo.

Chapka or Heymondo: Which one do I choose for Southeast Asia?

Southeast Asia is one of the favorite destinations among independent travelers, and also one where it is It is essential to take out good travel insuranceAlthough medical costs are not as high as in other countries, the price of good private clinics or potential repatriation for more serious cases is high.

For a 15-day trip through countries like Thailand, Vietnam or IndonesiaThese are the most balanced options from each insurance company: Heymondo Tranquility and CAP Trip.

Although Heymondo is something more caro, their medical coverage is much higher, which gives them an advantage if you are looking for the most comprehensive insurance for Asia. On the other hand, if you want to save without giving up good protection, Chapka is a very competitive alternative that meets the essential requirements for safe travel abroad.

• Better health coverage → Heymondo
• Best price → Chapka
• Best value for money → It depends on what you value more: high medical limit or lower rate

Heymondo or Chapka 2026: Which insurance is better for the US?

If you're traveling to the United States, getting good travel insurance is not optional. Healthcare there is among the best. caraces of the world, and a simple consultation can cost you hundreds of dollars. That's why, Medical coverage is the most important factor to considerThe best options are Heymondo's TOP Trip or CAP Trip Plus.

In this case due to the price difference and the coverage they offer we would opt for Chapka If we had to choose between Heymondo or Chapka which is better for the United States.

Is Chapka or Heymondo better for Europe?

Although traveling through Europe makes you feel more protected by being close to home and having a European health insurance card (you must apply for it in advance). good insurance is still recommended. Also, keep in mind that in many countries such as Iceland public health care is not free.

We compare the two basic options, but keep in mind that if your trip is for hiking Our recommendation would be CAP Trip Plus because it includes up to 10.000 euros in rescue and search expenses.

We opted for Chapka if you have preexisting diseases, since with Heymondo you wouldn't be covered.

How safe is it? cheaper: Heymondo or Chapka?

One of the most frequently asked questions when purchasing insurance is: “Which is cheaper, Heymondo or Chapka?” And as often happens on trips... reports.

Ideally, you should compare options for your specific situation; sometimes one insurance policy is the best. carFor a 7-day trip, it can become the cheapest option if you travel for 15 days or more. That's why the best thing to do is Compare exact prices based on your destination and duration.

You can take advantage of the opportunity to purchase your policies in the promotional periods Heymondo launches promotions several times a year where you can get up to one 30% if you are family or one group and 15% for the rest.

In the case of Chapka you can find discount on CAP Trip and Cap Trip Plus for a few weeks pre-summer, the discount goes from being a 7% a 15%.

Which one has best customer service?

Customer service is always a topic of conversation when it comes to insurance companies, whether it's travel or any other area. Is Chapka or Heymondo better? Well, the truth is that each experience is different; you'll find both negative and positive opinions about both insurers.

Our conclusions after reading opinions about Heymondo versus Chapka and personal experiences that we have had or have been told is that both can become very slow in refunds, but they are quick in immediate resolutions such as hospital assignment or transfers, which is the most important thing.

Heymondo's Opinions

Currently, in 2025 Heymondo has a 4,5 out of 5 with 11000 opinions in Trustpilotwhere only 5% of customers have given them 1 star. We have an article talking in detail about Heymondo's opinions both more personal experience and the verified opinions that you can find on different portals.

The main criticisms he has are about the timeouts both for reimbursements and to get an appointment at a nearby medical center.

Chapka Reviews

In the case of Chapka we also find both good and bad opinions, the latter being mostly related to waiting times for refunds. Being a lesser-known insurance company in the Spanish market, there aren't as many verified reviews as there are for Heymondo. In the case of Chapka has a rating of 4,5 out of 5 en Trustpilot with 3000 reviews.

You can read more in the article Chapka reviews where you also have our personal experience using the policy for a return with hospitalization of a family member.

You can also read our comparison of Heymondo vs Iati, another market-leading company.

FAQ Heymondo or Chapka

I hope this 2026 comparison About Heymondo or Chapka: Which is better? It will help you make a good decision when choosing your insurance.

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