Heymondo Travel Insurance Review | 2 food travelers

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After buying travel insurance for six years, we’re sharing details about our travel insurance company of choice. Read on to find out what our Heimondo travel insurance policy covers and to get a 5% discount on your new policy.

Graz selfie

We do not travel without travel insurance. It’s that important!

We’ve met many travelers who weren’t so lucky, even though we didn’t have to file a claim. Some were injured by motorbikes and others contracted dengue fever. Recently, we have heard stories of people contracting Covid while traveling abroad. Those unfortunate enough to not have travel insurance had unexpected expenses.

We don’t want to be those people!

Naples Selfie 2017
When we travel, we like to be prepared. Our preparations include packing rain gear and purchasing travel insurance.

Buying travel insurance gives us the freedom to travel without worrying about getting sick or injured while traveling. However, until recently, we weren’t sure which travel insurance would be best for our situation.

Haimondo is the travel insurance company we currently use and love.Yes, it is possible to love a travel insurance company.!

I don’t want to read why we love Haymondo? There is a 5% discount that you can take advantage of immediately. Otherwise, continue reading.

Why do we love Haymondo?

Pena Palace Selfie in Sintra
Heimondo’s service makes us feel like royalty.

Having an annual Heimondo travel insurance policy means we don’t have to think about travel insurance every time we book a trip. Instead, we can focus on flights, hotels and restaurants. It’s nothing less than a game changer.

Haimondo Company meets our needs. The coverage is comprehensive. The website is easy to use. Our annual policy rates are competitive. In addition, we have a team of experts to help us if bad things happen.

An interesting fact
We have purchased travel insurance since 2016 and have never had to file a claim.

Types of Heymondo policies

Portugal residence card Selfie
Having travel insurance was essential to our successful visa application process when we moved to Portugal.

We understand that purchasing an annual policy is not for everyone. Some people don’t travel as much as we do. Others want a policy to meet visa requirements, as we did when we applied for a D7 visa to move to Lisbon in 2018.

Heimondo has customizable policies for these types of travelers as well. Actually, there are three different Heimondo policy options:

1. Single trip travel insurance

This type of policy is suitable for one-time trips. Depending on your needs, this policy option may include:

  • Medical expenses up to 10 million dollars
  • Repatriation and early return up to $500,000
  • Baggage theft and damage up to $2,500
  • Trip cancellation up to $7,000 USD
  • Covid 19 coverage

There are three types of single trip travel insurance policy plans – basic, advanced and premium. Different plans have different covers and limits that you can choose from during the application process.

Pricing varies by applicant and assumes underwriting conditions such as location (home and destination), length of trip and age under 70.

Apply now for a discounted single trip travel insurance policy.

2. Annual multi-trip travel insurance

This type of policy makes sense for frequent travelers. Valid for one year, voids single trip policies and may include:

  • Medical expenses up to 10 million dollars
  • Repatriation and early return up to $500,000
  • Baggage theft and damage up to $2,500
  • Trip cancellation up to $7,000 USD
  • Covid 19 coverage

You will note that the limit for this plan is the same as for a single travel policy. However, this type of annual policy covers an unlimited number of trips every 60 days or less. It’s a great option for frequent travelers who travel at least a few times a year. However, no trip can exceed 60 days.

Our premium for an annual multi-trip policy is 338€ based on our demographics. However, your premium may be lower or higher depending on your details.

Apply for a discounted annual multi-trip travel insurance policy.

3. Long stay travel insurance

This type of policy is appropriate for digital nomads and other travelers who plan to stay at a destination for more than 60 days. It is also a good option for students who want to study abroad.

  • Medical expenses up to 2.5 million dollars
  • Repatriation and early return up to $500,000
  • Baggage theft and damage up to $1,200
  • Covid 19 coverage

We bought a long term policy for our move to Lisbon which suited our needs at the time. Now that we live in Portugal, we buy an annual multi-trip policy instead.

Apply for a discount long term travel insurance policy.

What does Heimondo travel insurance cover?

Meteora Tour Selfie
Being covered makes us happy.

While it’s great that Heimondo has a user-friendly website and offers affordable pricing, the policy has the coverage that frequent travelers like us need. These are the main ones:

  • Emergency medical expenses abroad
  • Emergency dental expenses abroad
  • Sports activities include biking, kayaking, organized hot-air balloon rides, general hiking, camping, snowmobiles, helicopter rides, Segways, and zip lines.
  • The Covid-19 cover includes medical expenses, trip cancellation, additional accommodation expenses, medically ordered PCR test during the trip, medical transportation and repatriation.
  • Costs of extended accommodation due to illness or medical quarantine
  • Outpatient physiotherapy
  • Travel and accommodation expenses for family members
  • Medical transportation and repatriation
  • Loss or damage to baggage or personal effects
  • Delay in delivery of checked baggage
  • Replacement of passport due to loss or theft
  • Trip cancellation and termination
  • Travel disruption due to public transport delays or connecting flights
  • Special assistance for search and rescue and natural disasters
  • Personal liability
  • Sudden death or injury
  • Excess rental car coverage

Pro tip
Consult the Heimondo website and read your policy for full coverage descriptions and limitations.

Uncovered

A selfie at the Lenfant Jesus Vineyard in Burgundy, France
We do not know when disaster will come. Fortunately, most of our accidents involve things like bad hair days.

Here are the things that Hemondo travel insurance does not cover:

  • Non-emergency medical expenses abroad
  • Non-emergency dental expenses abroad
  • Adventure activities include white-water rafting, SCUBA diving, horseback riding, bike tours, mountain biking, bungee jumping and climbing**
  • ship **
  • Pre-travel Covid-19 tests
  • Electronic devices including laptops, tablets and cameras (limited coverage) **
  • Zones of armed conflict

** Additional coverage (ie drivers) can be purchased if you plan to do adventure activities or cruise. You can also add limited electronic equipment coverage.

Pro tip
Check the Heymondo website and your specific policy for full details of what is not covered.

How much does a Heimondo policy cost?

Thai coffee selfie
We always know what things cost and hate nasty surprises.

Heimondo premium varies depending on age, country of origin, destination(s), coverage required, limit selected, policy term, etc. You will need to complete an online travel insurance application to see your premium based on your circumstances.

Our policy is affordable – 338€ for couples in their 50s in Portugal and frequent travelers. Depending on your age and condition, your premium may be lower or higher.

Reminder
You should be Under 70 years To successfully apply for a Heimondo travel insurance policy.

Heymondo travel insurance discount

Aperol Spritz on a barge cruise on European waterways
Cheers to discounts!

Does a Heimondo travel insurance policy work for you? We say go and apply.

All you have to do is apply to find out if Heimondo is right for you in terms of price and coverage. Plus, you’ll get a 5% discount if you sign up for a guide now.

Apply for a discounted Heimondo travel insurance policy.

Additional benefits

Windy Costa Smeralda cruise ship selfie
We never know what we will find at the end of our journey.

But wait – there’s more!

In addition to its user-friendly website and premium policies, Haymondo also has an app that separates its travel insurance package. This application offers the following benefits:

  • 24/7 doctor chat
  • Free calls for medical assistance
  • Claim submission and management system
  • Easy access to account and policy consultation

Apply for a discounted Heimondo travel insurance policy.

About the authors

About the authors

Daryl and Mindy Hirsch

Darryl and Mindy Hirsch, winners of Saveur Magazine’s Best Travel Blog, share their culinary travel experiences and recipes on the 2foodtrippers website and YouTube. The married food and travel content creators live in Lisbon, Portugal.

Disclosure

Affiliate fee
Although we are not travel insurance experts or agents, we will receive a small fee if you purchase a Heimondo travel insurance policy after reading this review.

Text updates
We update our articles regularly. Some updates are major, while others are minor link changes and spelling corrections. Let us know if you see something in this article that needs to be updated.

Original publication date: September 23, 2022

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