Heymondo Travel Insurance Review: Is It Good for International Travelers?
I’ll never forget my solo trip to Bali. Not because of the sights or the Balinese cuisine. It’s the serious GI bug I contracted and the huge hospital bill it left me with. Surprise, surprise – I had no travel insurance. Never. Again.
As frequent travelers and digital nomads, we live to discover new places and make new memories. But there’s no denying that things could go wrong in a matter of minutes. Travel insurance is a must.
To find the right travel insurance, learning about your options is crucial. Heymondo travel insurance is touted as the “better” choice in customizable insurance plans for demanding travelers on a budget. We’ll just see about that! In this Heymondo travel insurance review, we’ll put them under the microscope.
What We Like About Heymondo Travel Insurance
There are many things to love about the Heymondo travel insurance. Its wide coverage variety, user-friendly website, and easy-to-reach customer support and medical professionals are just a few. Keep reading while we toot Heymondo’s horn for a little bit.
Comprehensive Coverage Options
When shopping for travel insurance, you never want to buy coverage you don’t need. At the same time, it’s essential to have enough coverage to help you feel at ease on your trips.
To start, Heymondo offers two travel insurance types: single-trip, annual multi-trip, and long stay:
Single-Trip Insurance
Heymondo’s Single-trip insurance is best for infrequent travelers who need one-and-done coverage. You get coverage for emergency medical, baggage, trip delays, trip cancellations, trip interruptions, and more. Adventure sports and cruise travel are also included with this insurance plan type.
Annual Multi-Trip Insurance
The Annual multi-trip insurance is ideal for frequent travelers (like you) who plan on taking multiple trips in a single year. It covers every trip you plan on taking over the next 12 months. Each trip must last no more than 36 days.
Long-Stay Insurance
Going on a trip expected to last more than 90 days? Long-stay insurance is the plan to choose. After the initial 90 days, you can renew it indefinitely.
There are three tiers of coverage for each main coverage type, including:
- Heymondo Medical - Includes medical coverage, trip delay coverage, search and rescue, natural disaster evacuation, and accidental death and dismemberment.
- Heymondo Top - The next tier up, the Top plan includes everything in the Medical plan, along with trip cancellations and interruptions.
- Heymondo Premium - The best and most expensive tier is Premium. It has all the benefits of the other two plans but with much more coverage (higher plan coverage limits/higher potential payouts).
Affordable Price for Value
In case you were wondering, Heymondo isn’t the least expensive travel insurance provider out there. And that’s not necessarily a bad thing, considering that their plans offer a ton of value.
Imagine you’re a 25-year-old planning to travel to Japan for 30 days. Here’s how you’d fill out the quote form on Heymondo’s website:
After clicking “Get a quote”, you’ll see the following coverage options (below). Your coverage options for this month-long trip range from $74.70 to $150.78, and these are the benefits you get:
First off, these insurance options are affordable on just about any budget. And they offer a really good coverage mix with extras that typically aren’t included for free, like adventure sports and specialty items (where you’re reimbursed for lost, stolen, or damaged belongings like cameras and camcorders).
Your age also doesn’t increase the price of your policy. This is rare in the insurance industry.
24/7 Medical Chat & Assistance
Your policy is pointless if you can’t reach your insurer. Heymondo insurance is different from other travel insurance companies - they don’t duck and dodge their customers. Their Clements Heymondo app enables you to quickly contact them for the following:
- Medical questions
- Free emergency assistance
- Incident management
And more!
Having all these functions at your fingertips removes the wall between you and the insurance company, making claims management easier and more personable. It also makes it easier to locate and handle your plan documents and any other pertinent contact numbers when you need them.
When you’re in a bind, it’s always good to have access to professional assistance, whether it be from medical professionals or insurance representatives. And you get just that with the app.
Transparent Pricing
Shady insurance companies will try to get over on customers by making their policy prices vague. They’ll also use a lot of small print to avoid legal problems while misleading buyers.
You get none of that with Heymondo. Seconds after generating the quote above, the plans and prices popped up front and center. There was no room for confusion about the pricing.
Some Things to Keep in Mind about Heymondo Travel Insurance
You might be thinking that Heymondo is a great travel insurance company. And it is in many ways. But here’s the reality; no insurance company gets it all right. Here are some caveats to remember as you decide whether Heymondo travel insurance is for you.
Age Limits
Travel insurance companies often use multiple tactics to cover themselves and reduce their financial risk. One of the ways Heymondo does this is through age limits - rather restrictive ones. The Heymondo age limit for trips 29 days or less is 69. And the age limit for trips 30 days or longer is 49. If you fall outside of these age limits for longer trips, you won’t be able to buy a Heymondo plan. You’d have to explore alternative insurance options.
Limitations for Pre-Existing Conditions
When it comes to travel insurance, pre-existing conditions are a hot topic. In case you aren’t aware, pre-existing conditions are health issues existing before the effective date of your travel health insurance plan. Some companies cover these conditions (at least partly), while others do not. Heymondo is on the “do not” side. Here it is stated in plain language in their sample premium policy:
So, if a pre-existing condition results in medical bills, trip delays, a trip cancellation, etc., Heymondo won’t pay up. Just know that this is relatively common with travel insurance.
Other Limitations
Heymondo also won’t cover losses related to:
- Criminal conduct or intoxication
- Dental treatments unless due to accidental injury or severe pain
- Mental or emotional disorders
- Military duty
- Cosmetic surgery
- War
- Unnecessary medical treatments
- And more (there’s not enough room to list everything here)
72 Hour Wait for Policies
If you’re ever in a situation where you forgot to buy travel insurance or decided to buy it after starting your trip, know that Heymondo has a 72-hour grace period. So, your plan benefits don’t apply until 72 hours after you purchase the policy. A lot can go wrong in those 72 hours, and customers have found that out the hard way. Here’s a snippet of a review from someone in this situation:
From the customer:
From Heymondo:
So, if at all possible, I urge you to buy your policy in advance of your trip (best right after putting your first trip deposit down). Always read and understand your plan documents beforehand.
Making a Claim with Heymondo Travel Insurance
Heymondo’s claim process is relatively simple. In general, you’ll submit your claim information, and any claims payments will be made to you or the provider (doctor, hospital, transportation provider, etc.).
You can submit your claim by phone at 866-466-7891, by email at heymondo@insureresponse.com, or through the Heymondo app on Google Play or the App Store. During the process, you will be asked to provide documentation to prove your claim. Your claim will be denied or remain in limbo if you ignore or fail to satisfy this request.
Are There Any Alternatives to Heymondo?
If you were already wondering about Heymondo alternatives, you’re on the right track. It’s rarely smart to make a purchase decision without considering the alternatives. There are several Heymondo alternatives you should know about - let’s explore them below:
SafetyWing
SafetyWing nomad insurance is one of the most popular insurance options for digital nomads and frequent travelers alike. And if you’ve done any amount of research, you’ve probably heard of them. The company offers comprehensive travel medical insurance coverage for $56.28/month, and you can cancel your plan at any time. Covered benefits include emergency medical and dental treatment, emergency transportation, lost checked luggage, trip interruption, and more.
Compared to Heymondo travel insurance, Safety Wing is more cost-effective and still covers all the basic unexpected events and scenarios (often at higher benefit limits). Though, you may be left wanting when it comes to adventure coverage and plan options overall.
Genki
Another super affordable alternative to Heymondo insurance is Genki. For as little as $50 per month, you get a plan that covers inpatient and outpatient care, medications as needed, COVID treatment, repatriation coverage, and much more. They offer two different plan tiers.
All in all, if you’re looking for a plan with both travel and medical coverage, Genki won’t be as good a choice as Heymondo. The lack of travel-related benefits leaves you open to financial losses. But if you need an affordable travel insurance plan and don’t mind the risk of travel-related losses, Genki is a solid choice!
World Nomads
You’ll find World Nomads on countless “best travel insurance” lists because of how inclusive their insurance plans are. From medical to dental to trip cancellations and interruptions and baggage issues to over 200 adventure sports and activities, you will be very much covered. But don’t expect to pay pennies for one of their plans. Like Heymondo, the prices are on the premium side. For a 30-year American traveling to Japan for 30 days, their base Standard plan is $127.64 and $225.91 for their more expensive Explorer plan.
Heymondo and World Nomads are similar in many ways, namely in their range of plan offerings and pricing. But what separates the two is World Nomad’s more inclusive coverage mix.
The Bottom Line
Still wondering whether Heymondo travel insurance is any good? The answer is “Yes.”
Why?
Because of the sheer amount of coverage you get for the money. With a Heymondo policy, you can travel without any worries, knowing that you’ve got a heavy-duty plan behind you.
In addition, they are very easy to reach, whether by phone, email, or their 24/7 app. Plus, getting a 4.3 out of 5 star review on Trustpilot isn’t easy. The company is definitely legit.
Just remember the age limits for select policy lengths and read any policy language very closely. If you want to explore Heymondo further, go for it! And if you decide to go with them, snag our 5% off Heymondo discount code for a little extra savings.
Happy travels!
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