US | Iati Basic | Iati Standar | Iati Backpacker | Iati Star (recommended) | Heymondo Top | Heymondo Premium (recommended for curises) | Heymondo Medical |
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Blog discounts | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | |||
Price (2 weeks in Japan) | €49 | €58 | €82 Max. age 70 years old. | €97 | $70 Max. age 68 years old. | $89 Max. age 68 years old. | $31 Max. age 68 years old. |
Medical assistance | €50,000 ($51,000) | €300,000 ($307,000) | €500,000 ($510,000) | €1,000,000 ($1,024,000) Can be extended up to €4,800,000 | $100,000 | $200,000 | $100,000 |
Dental expenses | €100 | €350 | €350 | €500 | $500 | $750 | $500 |
Telemedicina | Included | Included | Included | Included | Included | Included | Included |
El seguro paga antes | Si | Si | Si | Si | Included | Included | Included |
Assistance 24/7 in english | Si | Si | Si | Si | Si | Si | Si |
Personal injury in motor vehicle accidents | Included | Included | Included | Included | Included | Included | Included |
Accomodation/Transport of a relative in the event of hospitalization | Travel costs: included Accomodation: €420 | Travel costs: included Accomodation: €750 | Travel costs: included Accomodation: €600 | Travel costs: included Accomodation: €1,400 | |||
Repatriation | Included | Included | Included | Included | $250,000 | $500,000 | $250,000 |
Theft, delay and damage to luggage | up to €500 | up to €1,000 | up to €1,500 | up to €2,500 | up to $1,500 | up to $3,000 | – |
Refunds for transportation delays | – | up to €180 | up to €270 | up to €350 | up to $500 | up to $3,000 | up to $500 |
Cancellation | – | €1,500 (Optional) | €2,000 (Optional) | €5,000 (Optional) | $2,500 (included) | $10,000 (included) | – |
Sports | – | – | Included | Included | Included | Included | Included |
Search and rescue | – | – | €15,000 | – | $5,000 | $10,000 | $5,000 |
Reimbursement for missed holidays | – | – | – | €2,000 | $2,500 | $10,000 | – |
Cruise travel *Deberás pagar los gastos médicos que necesitaras a bordo y, luego, los reembolsan | – | – | – | opcional s’ha descollir al calcular | Included | Included | Included |
Extended stay due to natural disasters | – | – | – | 1000€ | – | – | – |
Residents of any country (except the US) | Iati Basic | Iati Standar | Iati Backpacker | Iati Star (recommended) | Heymondo Top | Heymondo Premium (recommended for curises) | Heymondo Medical |
---|---|---|---|---|---|---|---|
Blog discounts | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here | Claim your 5% discount here |
Price (2 weeks in Japan) | €49 | €58 | €82 | €97 | 46€ Max. age 69 years old. | 52€ Max. age 69 years old. | 42€ Max. age 69 years old. |
Medical assistance | €50,000 ($51,000) | €300,000 ($307,000) | €500,000 ($510,000) | €1,000,000 ($1,024,000) Can be extended up to €4,800,000 | 5.000.000€ | 10.000.000€ | 10.000.000€ |
Dental expenses | €100 | €350 | €350 | €500 | 300 € | 500 € | 500 € |
Telemedicine services | Included | Included | Included | Included | Included | Included | Included |
No upfront payment for medical costs (more info) | Si | Si | Si | Si | Included | Included | Included |
Assistance 24/7 in english | Si | Si | Si | Si | Si | Si | Si |
Personal injury in motor vehicle accidents | Included | Included | Included | Included | Included | Included | Included |
Accomodation/Transport of a relative in the event of hospitalization | Travel costs: included Accomodation: €420 | Travel costs: included Accomodation: €750 | Travel costs: included Accomodation: €600 | Travel costs: included Accomodation: €1,400 | |||
Repatriation | 100% | 100% | 100% | 100% | 500.000 € | 500.000 € | 500.000 € |
Theft, delay and damage to luggage | up to €500 | up to €1,000 | up to €1,500 | up to €2,500 | up to 1.700 € | up to 2.500 € | – |
Refunds for transportation delays | – | up to €180 | up to €270 | up to €350 | up to 450 € | up to 1.500€ | – |
Cancellation | – | €1,500 (Optional) | €2,000 (Optional) | €5,000 (Optional) | 3.500 €(included) | 7.000 € (included) | – |
Sports | – | – | Included | Included | Included | Included | Included |
Search and rescue | – | – | €15,000 | – | – | 10.000 € | – |
Reimbursement for missed holidays | – | – | – | €2,000 | 1.000 € | 2.000 € | – |
Cruise travel *Deberás pagar los gastos médicos que necesitaras a bordo y, luego, los reembolsan | – | – | – | opcional s’ha descollir al calcular | – | Optional | – |
Extended stay due to natural disasters | – | – | – | 1.000€ | 1.250 € | 1.250 € | – |
Remember that coverage and benefits may vary by policy, offering different options to match your needs. To get the most out of your travel insurance, check the charts above and the full plan details on the company’s website.
No upfront payment for medical costs
If something happens to you, simply contact the insurance company, and based on your location, they’ll direct you to the nearest partnered medical center. This ensures that all medical costs are covered, so you won’t have to pay anything upfront—everything is handled directly between the medical provider and your travel insurance.
This is a major advantage, especially in countries where healthcare is expensive, as it relieves you of any financial burden.
- IATI Travel Insurance eliminates the need for upfront payments or deductibles. Just contact customer service, and they’ll handle everything from the start, so you can travel worry-free without paying in advance.
- Heymondo (USA and NON-USa): Once you contact the 24-hour Assistance hotline and your visit is arranged with an affiliated medical center, you won’t have to pay any hospital or outpatient expenses—your insurance will take care of everything directly. If you prefer, you can visit a medical center on your own. In that case, be sure to request the medical report for the treatment received, the invoice for medical services, prescriptions for any medications, and the receipt for medication purchases to facilitate reimbursement.
Telemedicine services
Many travel insurance providers offer telemedicine services either through a mobile app or by phone call, giving travelers 24/7 access to medical professionals from anywhere in the world.
I highly recommend choosing a travel insurance plan with telemedicine services available through an app. This allows you to access virtual consultations or chat with a doctor anytime, ensuring quick medical advice for yourself, your family, and your friends wherever you are.
These apps also allow you to easily access your policy details and important documents at any time. And you can request assistance with just a tap, ensuring fast and hassle-free support whenever you need it.
- IATI offers a comprehensive telemedicine service through their dedicated app, available to all policyholders. Starting 72 hours before your trip, you can access 24/7 medical consultations via chat, ensuring prompt assistance wherever you are. Thp also allows you to view all your policies and documents anytime, manage claims efficiently, and request assistance with a single click.
- HEYMONDO offers a convenient telemedicine service through their app, available to all policyholders. You can access 24/7 medical chat to resolve health queries instantly and make free emergency calls via the app. The platform also allows easy claims reporting for incidents like delays or theft, with the option to attach photos. Plus, you can always access your insurance details, including emergency contacts and coverage information, right at your fingertips.
Personal injury in motor vehicle accidents
The insurance covers medical and hospital expenses in the event of a motor vehicle accident, including emergency treatment, hospitalization, and any necessary medical procedures required for your recovery.
However, this coverage should not be confused with auto or motorcycle insurance, which covers damage to the vehicle or third parties in the event of an accident.
- IATI covers medical and hospital costs in the event of a motor vehicle (public or private) accident.
- Heymondo US and NON-US: Medical expenses resulting from a traffic accident are covered, whether you were in a public vehicle (bus, taxi, etc.) or a private one (rental car or motorcycle).
Accomodation/Transport of a relative in the event of hospitalization
Travel insurance generally covers the costs of a family member’s travel and accommodation if you, the insured, are hospitalized abroad. It ensures that a relative can be with you during your recovery without financial burden.
- IATI: If you are in hospital, Iati will cover the travel costs for a family member to accompany you, as well as the cost of the accommodation up to a specified limit, depending on your policy. They will also cover the travel costs in the event of death.
Repatriation
Repatriation in travel insurance may cover the cost of transporting you back to your home country in case of a serious illness, injury, or death while abroad. It provides peace of mind in emergencies and ensures you can return home without financial burden.
- IATI covers 100% of emergency transport costs if you’re seriously ill or injured or in case of death, ensuring you’re taken to the nearest appropriate medical facility or even back home if necessary. In case of hospitalization or death of a close family member (up to first degree), they will also cover the cost of early return for you and your travel companion.
- Heymondo USA: provides coverage for medically necessary transportation to the nearest appropriate medical facility in case of sickness or injury during your trip. Additionally, they offer repatriation of remains, and reimbursement of the expenses to return your body to your place of residence in the unfortunate event of death while traveling.
- Heymondo NON-USA: Travel insurance covers the transportation of the insured to the nearest hospital or home in case of illness or injury. It also includes repatriating the insured companions to their residence or to the place where the insured is hospitalized. Additionally, in the event of death, the insurance will cover the transportation of the insured person’s remains and their insured companions to their home country.
Theft, delay and damage to luggage
Travel insurance can cover theft, damage, or delays to your luggage during your trip, helping with compensation. If your luggage is delayed, you may be reimbursed for essential items like toiletries or clothes.
Coverage details vary by policy, so always check your specifics and be sure to keep receipts and documentation for your claims.
- IATI covers theft of luggage using violence or intimidation, providing the corresponding police report, as well as any damage or loss of luggage on public transport, providing the corresponding complaint lodged to the transport company. If your luggage is delayed, you can be reimbursed for essential items purchased, provided you keep the receipts.
- Heymondo USA: Provides reimbursement for covered expenses if your baggage or personal effects are lost, stolen or damaged while on your covered trip. If checked baggage is delayed, reimbursement is available for essential personal items.
- Heymondo NON-USA: Coverage includes loss or damage to luggage or personal belongings due to theft, the total or partial loss by the carrier, or damages as a result of fire or aggression during the journey. If checked baggage is delayed or misrouted, reimbursement is available for essential personal items.
Refunds for transportation delays
If your departure is delayed or miss a connecting flight, you may be eligible for compensation to help with extra costs—just keep your receipts!
You could get reimbursed for unused, prepaid expenses and necessary costs like meals, transportation and accommodation if a covered delay causes you to miss part of your trip.
- IATI: Depending on the policy, IATI may cover transportation delays, including missed connections, delayed departures, or changes to your booked transport- and reimburse expenses incurred due to these delays.
- Heymondo US: Reimbursement for the unused, prepaid, non-refundable portion of your trip cost as well as additional expenses such as meals and accommodations, if you are delayed or you miss a connecting flight during your trip due to a cover reason.
- Heymondo NON-US: If your public transport is delayed, you may be reimbursed for accommodation, meals, and refreshments. Reimbursement of the basic expenses required (including a ticket for an alternative flight if needed), if you miss a connecting flight already confirmed at the transfer point due to the late arrival of the incoming flight.
Sports
This section might seem less important at first, as many people assume they won’t be engaging in sports during their vacation, but that’s far from the reality.
When traveling abroad, we often sign up for tours that include activities such as snorkeling, kayaking, cycling, horseback riding, or sledding. You might also spend your afternoon playing golf, hiking, or trying new adrenaline-pumping experiences like zip-lining. On the beach, activities like parasailing, surfing lessons, and jet skiing are also common options.
Insurance that covers medical attention in case of an accident while practicing sports should provide a detailed list of the activities it includes. Keep in mind that, within the same insurance provider, cheaper policies might cover fewer activities, while more expensive options tend to be more comprehensive.
If you plan on participating in higher-risk or extreme sports, it’s important to carefully check the specifics of the coverage you choose. Some policies may cover activities like diving but with a depth limit (e.g., 20 meters), or trekking but only up to certain altitudes (e.g., 3,000 meters). In these cases, it may be worth investing in a more specialized and comprehensive sports insurance policy.
- Both IATI Star and IATI Backpacker policies include sports coverage. With IATI Star, you can also expand the range of sports covered if needed. Meanwhile, IATI Backpacker already includes this extra coverage for sports as part of the plan.
- Heymondo travel insurance plans already cover a wide range of activities, and they also offer the option to expand coverage to include even more sports if needed.
Search and rescue
Search and rescue coverage may cover the costs of search and rescue operations if you’re lost or in a risky situation while traveling. This coverage can include expenses for emergency services or other specialized rescue operations. This type of coverage typically has a limit, so it’s important to review the details of your policy.
- IATI: We cover the costs of search and rescue, in extreme and risky situations, causing search, rescue, transport or repatriation expenses, by civil or military rescue means, or by rescue organisations.
- Heymondo USA: Covers the cost for one organized search and rescue if you should become lost, disoriented, or are reported missing while on your covered trip during a recreational activity that is commensurate with your abilities and expertise.
- Heymondo NON-USA: Expenses incurred due to search and rescue of the insured person if they are lost during the trip.
Reimbursement for missed holidays
Reimbursement for missed holidays refers to compensation for prepaid, non-refundable trip costs if an unforeseen event forces you to cut your vacation short or prevents you from enjoying it as planned. This coverage may apply if you have to cancel or interrupt your trip due to illness, injury, family emergencies, or other covered reasons.
- IATI: If you are forced to conclude your trip once started, and return home prematurely for any of the causes of repatriation or premature return covered in the policy, Iati will cover any compensation up to the maximum limit indicated.
- Heymondo USA reimburses you for the unused, prepaid, non-refundable portion of your trip costs and for the additional transportation costs to return home due to a covered reason.
- Heymondo NON-USA: If you must interrupt your trip due to the hospitalization or death of a family member in your country of residence, the additional return expenses will be covered. Coverage is also for the cost of resuming your trip if you are repatriated to your home country due to illness or accident.
Cruise travel
Cruise travel insurance has you covered for medical expenses onboard, where treatment requires upfront payment. But no worries—your insurer will reimburse you afterward!
Once you’re back on the mainland, there’s no need to pay out of pocket. Your insurance provider will take care of everything directly—just remember to contact them as soon as possible to coordinate your care.
- Iati: recuerda marcar tipo de viaje: crucero en la calculador formulario.
- Heymondo (US and NON-US): If the ship has onboard medical services and you have cruise coverage, any medical care received onboard is also covered, but on a reimbursement basis. For U.S. customers, travel insurance plans available on the website include cruise coverage by default. For customers from other countries, this coverage is available as an optional add-on in the Heymondo Premium plan.
Extended stay due to natural disasters
Extended stay due to natural disasters refers to coverage for additional accommodation and related expenses if you are forced to stay longer at your destination due to events like hurricanes, earthquakes, floods, or tsunamis. This coverage helps travelers manage unexpected disruptions without bearing the full financial burden.
- IATI: In the event of fire, lightning strike, explosion, earthquake, avalanche, storm, tempest, tsunami, hurricane, flood, or medical epidemic, we will cover accommodation costs up to the maximum specified in the policy.
- Heymondo NON-USA: Additional accommodation and transportation costs incurred during the insured trip due to natural disaster (flood, earthquake, tsunami, landslide, avalanche, hurricane, storm, tornado, fire or volcanic activity caused by nature).
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Trip Cancellation Coverage
Plans change, but with trip cancellation coverage, you won’t have to worry about losing money on non-refundable bookings. If you need to cancel your trip for a covered reason—such as illness, injury, or certain unforeseen events—your insurance will reimburse you for prepaid expenses like flights, hotels, and excursions.
To qualify, most policies require that you purchase coverage shortly after booking your trip or making the first reservation, such as buying your plane ticket.
- IATI will reimburse any costs you incur when canceling your trip, which may not be refundable by the travel provider (such as flights, hotels, etc.), as long as you cancel before your trip begins and for a covered reason. To qualify, you must purchase this insurance policy at the time of booking or within 7 days of making the trip reservation.
- Heymondo (US and NON-US): Trip cancellation coverage is included at no additional cost in the Heymondo Top and Heymondo Premium travel insurance plans. It reimburses forfeited, non-refundable, and unused payments or deposits, if you need to cancel your trip for a covered reason. This coverage is only available if the trip reservation is made within 7 days or less of purchasing the policy.