Chapka Cap Adventure Review : Insurance for the Intrepid Traveller

Chapka Cap Adventure is Chapka’s insurance policy designed for the intrepid traveller. With its broad coverage, you can embrace your adventure without fear.
Travel Insurance Comparison

If you’re an extreme sports or adventure sports enthusiast, finding the right travel insurance policy can sometimes be a little daunting.

That’s because when it comes to trips involving heightened risk, many insurance companies are limited in their options.

Chapka Insurance does not fall into this category, however. In fact, Chapka Cap Adventure is a travel insurance policy specifically designed for the most adventurous of travellers.

So let’s take a look at what kind of travellers can benefit from it, its coverage, and what its pros and cons are.

Before we get stuck into the details, here’s a quick summary:

  • Cap Adventure stands out for its broad high-risk sports coverage, extensive medical coverage, and all-inclusive repatriation assistance.
  • Cap Adventure is ideal for sportspeople, long-term travellers, backpacking trips, and adventurers.
  • Cap Adventure has a great discount of 15% off for families of 3 or more.

Here is a list of the best insurance policies for long-term and adventure travel in April 2024:

What type of traveller is Chapka Cap Adventure for?

The first thing to look at is the type of traveller that this policy is designed for.

  • For trips of 3–24 months.
  • For touristic travel only, not suitable for those carrying out professional activities abroad.
  • For people under 79 years old.
  • Chapka’s policies are only available to residents of the European Economic Area, including non-European French Territories.

With broad coverage for high-risk sports, Cap Adventure is ideal for adventurous travellers and amateur sportspeople.

Opinions on Chapka Cap Adventure

To give you an idea of what real-life users have said about the policy, I’ve summarised the most common online opinions on Cap Adventure.

I hope that this insight into the positive and negative aspects of the plan will give you a better idea of whether this policy is right for you.

So, what are its most common reviews?

✅ Positive Chapka Cap Adventure reviews

  • Great coverage for medical expenses.
  • Can contract if you’ve already left your home country.
  • Global coverage.
  • Online claims service simplifies the policy.
  • 24/7 medical teleconsultation.
  • Straightforward website and easy to contract.

❌ Negative Chapka Cap Adventure reviews

  • Not available for residents of the US, UK, Canada, or Australia.
  • Drawn-out claims process.
  • Chapka website isn’t very mobile friendly.
chapka travel insurance

Advantages of Chapka Cap Adventure

To better shed light on what Cap Adventure has to offer, I’ve summarised their stand-out benefits below.

🏄‍♂️ Broad High-Risk Sports Coverage

When heading out on an adventure trip, it’s extremely important to ensure that your policy covers the activities you want to take part in.

As you may expect, Chapka Cap Adventure has been designed specifically for those looking to take part in high-risk sports activities, and therefore covers most activities you can think of.

For this reason, it’s easier to comment on the activities that are not covered by the policy. They are as follows:

  • Motorsports
  • Air sports
  • Ski jumping
  • Mountain climbing
  • Rock climbing
  • Caving
  • Base jumping
  • Speed riding
  • Motocross
  • Skateboarding
  • Extreme skying
  • Martial arts

It’s also important to note that Cap Adventure does not cover sports carried out in a professional capacity. And as a final note, this policy does not cover any form of world record attempts!

🚑 Broad Medical Coverage

Cap Adventure ensures extensive medical coverage, encompassing expenses related to hospitalisation and medical emergencies. In fact, Chapka stands out for providing some of the highest medical cover on the market.

This comprehensive coverage guarantees your protection in case of unforeseen circumstances, especially when travelling to destinations with high medical costs.

This policy even covers medical expenses in your home country during short-term return trips, and cancellations as a result of Covid-19.

Moreover, the inclusion of Chapka’s 24/7 medical teleconsultation service enhances your peace of mind. This service enables you to connect with trained professionals, allowing you to seek guidance and answers regarding your health concerns while abroad.

✈️ Repatriation Assistance 24/7

If, on your adventures, you’re involved in an accident or fall seriously ill, Cap Adventure has an all-inclusive repatriation assistance framework.

If you’re hospitalised, call Chapka’s assistance team straight away. Upon a successful claim, which you can make online, Chapka will cover your repatriation at 100% of the costs. This way, you can direct all your focus on your recovery.

As an extra note for the intrepid traveller, Cap Adventure includes comprehensive sea and mountain search and rescue coverage.

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Disadvantages of Chapka Cap Adventure

For a thorough understanding of the Cap Adventure plan, it’s also essential to consider some of its limitations, ensuring you can make an informed decision.

🌎 Designed for tourism purposes only

It’s important to note that Cap Adventure is specifically tailored for tourists. In other words, if you’re travelling for work-related reasons, or you’re practising sports professionally, this policy will not cover you.

However, if you find yourself ineligible for this plan, there’s no need to worry.

Chapka distinguishes itself by offering travel insurance options catering to various types of travellers, including expats, working holiday goers, students, and even those in need of annual business trip insurance. For further details, visit Chapka’s official website.

🇪🇺 EU residents only

This policy is exclusively offered to residents of the European Union and the overseas territories of France. Unfortunately, individuals from the U.S., Canada, Australia, the UK, and other non-EU countries are not eligible for Chapka’s insurance coverage.

If you are a non-EU resident, I would strongly advise having a look at Heymondo Long Stay as a suitable alternative.

💻 Lack of electronic equipment coverage

One considerable limitation of Cap Adventure is its lack of comprehensive coverage for electronic equipment.

While the policy provides substantial coverage for luggage, those travelling with extra valuable electronic devices, such as cameras, laptops, or tablets, may find it beneficial to invest in additional gadget add-on.

For travellers with expensive equipment seeking enhanced coverage, I recommend Heymondo as their policies include a dedicated gadget add-on, particularly advantageous for digital nomads and those sportspeople who want to film their adventures.

Chapka Cap Adventure Review : Insurance for the Intrepid Traveller 1

Comparing Chapka Cap Adventure with other insurers

It’s always important to compare the best travel insurance policies in order to find the policy that best fits the trip you’re taking and your traveller profile.

This is an important practice because it allows you to get the right amount of coverage, without overpaying for coverage that you will never need.

Here at Planet Nomad, we’ve made it a little easier for you. In the table below, you’ll find a summary of the main benefits of the top long-term and adventure insurance providers.

iati seguros logo
heymondo logo
chapka assurance
logo safetywing
acs assurance voyage
IATI Insurance
Long Stay Premium
Cap Adventure
Price for 3 months
Discount valid until 21/04/2024
– 5%
– 5%
– 15% for families
– 10% for families
Activate Discount
Activate Discount
Activate Discount
Get a Free Quote
Activate Discount
Legal assistance
Medical expenses
500.000 €
Actual costs
Actual costs
Theft or loss of luggage
Actual costs
Actual costs
Actual costs
Actual costs
Sports activities
Phone theft
Camera or drone theft
Recommended for
All types of stays
All types of stays
All types of stays
Digital nomad
All types of stays
IATI travel insurance
HeyMondo insurance
Chapka insurance
SafetyWing insurance
ACS insurance
Discount >
Promo Code IATI
Promo Code HeyMondo
Promo Code Chapka

Is there a Chapka Cap Adventure discount?

There is currently no general discount for Cap Adventure. However, if you’re travelling as a family of 3 or more, you’re in luck!

If you’re going on a family trip, use the link below to take advantage of this incredible Chapka promo code.

Get a 15% discount on Chapka Cap Adventure for families in April 2024:
Click here to Activate Promo Code

  1. You will be redirected to the official Chapka website.
  2. Fill in the form and choose the “Family” package.
  3. You will then receive your 15% discount!

*Offer available to families of 3 or more. There is currently no general discount on Cap Adventure.

For more information, visit Chapka’s official website.

Chapka home page

How to take out Chapka Cap Adventure

One of the things I like about the Chapka Insurance website is that it is straightforward and intuitive.

If you’re ready to contract Cap Adventure, simply follow the step-by-step guide I’ve prepared for you below:

  1. Click on this link to be redirected to the Cap Adventure page on Chapka’s official website.
  2. Click on “Get my quote” to begin the process.
  3. Fill in your trip details. This includes the start date, the number of travellers to be insured, your destination, and your country of residence.
  4. Fill in travellers’ details.
  5. Read the insurance conditions carefully, and that’s it. You’re now insured with Chapka!

Remember to always read the terms and conditions of your policy carefully.

If you have pre-existing medical conditions, it’s important to declare and describe these in as much detail as possible during the contracting process. If you do not, it could cause you trouble if you have to make a claim.

Is Chapka Cap Adventure worth it?

So, is Cap Adventure worth it? Well, for adventurous travellers and amateur sportspeople, I would say that the answer is a resounding yes!

If you’re headed to a destination that offers a lot of adventure activities, Cap Adventure is a great option, as you don’t want to miss out on any of the fun because you’re uninsured. If you’re still curious, consider checking out our Chapka Insurance Review.

Chapka’s medical coverage is among the highest on the market, and with its 24/7 teleconsultation service and repatriation assistance, you can rest assured that you will travel with peace of mind every step of the way.

If, for example, your specific situation precludes you from taking out one of Chapka’s policies, I highly recommend checking out our travel insurance comparison article.

And with that, I wish you safe travels!

Michaël Louis

Michaël Louis

I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: digital nomadism and online entrepreneurship.

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