Chapka insurance reviews and discount code -5%

In this Chapka insurance review, we will see if Chapka Direct offers good coverage in case of a claim. Also take advantage of the official Chapka promo code valid at this time:

In July 2022, get -5% discount on your Chapka travel insurance.
Click here: Activate Promo Code

The discount is automatically applied to your quote cap assistance, cap working holiday or cap student.

If you are traveling to any of these countries, you must present a certificate of travel insurance that covers covid-19 or repatriation: Algeria, Australia, Bahamas, Canada, Chile, China, Costa Rica, Cuba, Ecuador, Egypt, Jamaica, Japan, Jordan, Kenya, Lebanon, Nepal, Paraguay, Russia, Seychelles, Thailand, Ukraine, United Arab Emirates, United States.

Website :

Chapka insurance : my feedback

I have been covered by Chapka Direct insurance since 2017. In my opinion, Chapka has a good reputation based on traveler reviews.

5 important guarantees are offered by Chapka insurance:

  • 🚑 Coverage of medical expenses
  • 🎒 Baggage compensation in case of loss or theft
  • ✈️ Repatriation in case of accident, illness or death
  • 💰Refund of travel cancellation fees
  • 👍 Liability coverage abroad

During my little survey of 16 insurers (before subscribing to Chapka), Chapka’s guarantees appeared to be the most complete.

How does Chapka travel insurance work?

Chapka insurance offers different travel insurance packages adapted to all traveler profiles:

For nearly 20 years, Chapka Direct has proven itself to be a reliable and experienced provider of multi-risk coverage abroad. The insurer participates in the Verified User Review program.

3000 customers gave their opinion and the result is flattering: Chapka Direct obtains a score of 9.3/10.

As a reader, you benefit from discounts with our Chapka Promo Code

Now let’s take a closer look at what its main competitors are offering:

My opinion on the Chapka insurance guarantees

Chapka Direct is not the cheapest coverage. But it does offer excellent coverage and a range of services only available through Chapka:

  • Coverage of all medical expenses upon return to the country of residence,
  • Coverage of sports activities and scuba diving,
  • Sending a round-trip airplane ticket in case of serious illness of a loved one,
  • Full Covid-19 cancellation coverage

In my opinion, Chapka offers the right coverage for most sports.

We note that ACS offers the lowest rate. However, ACS’ coverage and service levels are lower than those offered by Chapka.

On closer inspection, the ACS formula does not include :

  • no medical teleconsultation service
  • no protection for sports or water activities.
  • lower death benefit,
  • more limited ceilings in case of accidents.

ACS Ami may be an option if your budget is very limited, and you do not engage in any activities during your stay.

Taking out Chapka travel insurance is therefore a guarantee that you will be well taken care of in case of a problem during a sporting activity.

Personally, I prefer to pay a few extra euros to be covered for risky sports or activities.

Chapka travel insurance covers Covid-19

The vast majority of insurers today offer coverage that takes care of Covid-19.

However, you will not be reimbursed if you travel despite the instructions of an event known by the WHO or the Ministry of your country of residence.

With the Cap Adventure formula, Chapka reimburses health expenses and guarantees repatriation of travelers if they fall ill with Covid-19.

Chapka covers you in all the following cases:

  • Extension of stay in case of quarantine in the country of destination.
  • Medical expenses (including PCR tests) if contracting Covid-19 at destination and medical repatriation
  • No return possible in case of lack of transport to destination due to a confinement declared by the local authorities,
  • Cancellation in case of Covid-19 before departure,
  • Cancellation in case of medical quarantine (positive test) before departure,
  • Cancellation if you are denied boarding due to a health inspection (ex. temperature check)

Chapka medical teleconsultation 7 days a week

Teleconsultation is available on the Doctor Please! This service is accessible to people who have a Cap Adventure contract.

Teleconsultation can be done 7 days a week, 24 hours a day from anywhere in the world.

chapka insurance teleconsultation
New medical teleconsultation service Chapka is available on mobile devices.

Chapka travel insurance reviews

As evidenced by the 11,311 customers who have left Chapka reviews since 2017, we can see that Chapka has a good reputation.

Favorable opinions focus on good guarantees and the attention offered to customers (source: Avis vérifiés) :

chapka insurance review
Result obtained by Chapka on the Avis Vérifiés website.

Chapka Cap Assistance reviews

by Bruno2B

I discovered Chapka insurance by chance, but I want to share my satisfaction with you. I was reimbursed for the theft of my bag in Peru. Fast reimbursement You have to provide all the invoices and sometimes they are missing

of Gite28

I am super happy, I was reimbursed super fast I share, because it’s rare that it works so well insurance responds quickly by mail and available by phone and adviser super nice nothing to say for this time.

Chapka Cap Adventure reviews

by Javier

We are on a world tour with my family and our daughter had an ear infection in Peru. We called ahead to make sure it was working and we got a full refund.

We got a quick response

As a family, it’s a budget, but it works

by Phil Alex

We traveled for almost a year around the world, so we needed long-term travel insurance that would cover the risks when we got sick or had an accident, i.e. doctor/hospital bills.

Our 6 year old got sick twice (hopefully nothing serious) and we had to go to the private clinic in Bali and Singapore. I had to fill out a form and send scans of the doctor/hospital report, bill, etc.

It took a few weeks to submit the paperwork requested by Chapka staff, but in the end we received full payment of all bills. Based on this, our experience with this insurer was good, and thus my 5 star rating of the personal experience I had with Chapka.

Chapka Cap Working Holiday reviews

by MariaM

I took the CAP WORKING HOLIDAY insurance for my WHP in Australia, I had a visit to the doctor with exams, I paid 250 euros and everything was reimbursed in 10 days.

The customer service responds quickly and everything is quite simple

nothing to report for the moment

by Froufrou28

I am in Canada with the cap working holiday insurance for two years, I had to go to the emergency room and everything went well. When I arrived, I gave my insurance information and called the assistance center

Responsive and professional support team

For the moment everything is fine

How do I buy Chapka travel insurance?

Go to the official Chapka website:

The online subscription is easy to do via the Chapka insurance website and the medical certificate is not necessary.

As soon as the registration is completed, you will instantly receive your insurance contract by email.

Chapka Cap assistance discount

In July 2022, with our Chapka promo code you get :

  • – 5% if you travel alone or with a partner
  • – 15% if you travel with more than 3 people

To take advantage of it, click here first: Activate Promo Code

  1. You arrive at the Chapka website.
  2. Then click on “Get my quote”.
  3. Fill in the form and click on “Calculate the quote”

The Chapka promo code discount is applied directly to your quote and you get this message : “Your discount has been applied”.

Chapka Cap adventure discount

After checking with the Chapka teams in July 2022, it was confirmed that there is no Cap adventure discount code, nor any particular discount for the Cap adventure package.

Whether on this site or elsewhere, you will not find a Chapka adventure discount code. Nevertheless, the Cap adventure plan is currently offered at reasonable price for strong guarantees and coverage.

To see the July 2022 promotional offers, visit the official website:

chapka travel insurance
Chapka insurance covers most sports and nautical activities - Nova Friburgo, Brazil

When should I apply for Chapka travel insurance?

Some credit cards such as Visa Premier or Mastercard Gold offer travel insurance. However, these cards do not cover all situations in the event of a claim.

In most cases, medical visits are not covered, and your luggage is not covered by your credit card travel insurance. You will have to pay a deductible!

Finally, reimbursement is often complicated and slow.

Good to know: your mutual insurance does not cover most medical expenses incurred abroad. If they are covered, they will only be reimbursed by your mutual insurance company on the basis of prices charged in France. You can apply for your European Health Insurance Card to be covered in case of illness or hospitalization in Europe.

Risky countries where travel insurance is required

If you are traveling outside of Europe, it is recommended that you take out travel insurance, as you will not be covered in case of a problem.

In addition, some countries require the insurance certificate that covers in case of Covid-19 or repatriation: Algeria, Australia, Bahamas, Canada, Chile, China, Costa Rica, Cuba, Ecuador, Egypt, Jamaica, Japan, Jordan, Kenya, Lebanon, Nepal, Paraguay, Russia, Seychelles, Thailand, Ukraine, United Arab Emirates, United States.

In some countries such as the United States and Canada, getting medical care is expensive, not to say unaffordable! In these cases, taking out Cap Assistance insurance is recommended if you don’t want any unpleasant surprises!

Hospitalization rates can be exorbitant and without travel insurance, it will be impossible to get reimbursed for the actual costs incurred in the country where you had the accident. The reimbursed expenses will consider the rates charged in France if you have coverage that takes these claims into account.

Travel to the USA with Chapka insurance

Chapka insurance offers a pricing system that is well suited for a stay in the United States.

Indeed, when you subscribe, you can choose to subscribe for a trip all over the world, including Canada and the USA. You only have to indicate the date of your arrival and the date of departure.

This way, you only have to pay the extra cost for the exact length of your stay in the U.S. or Canada. It’s a great way to save on your insurance.

Who is Chapka Direct?

For nearly 20 years, Chapka Direct has demonstrated its reliability and experience in providing multi-risk coverage abroad.

Chapka is now the main leader in the travel insurance market and enjoys a good reputation among travelers with an overall rating of 9.5 /10.

In my opinion, Chapka Insurance has found its balance by offering travel insurance packages adapted to travelers’ profiles.

How to get reimbursed by Chapka?

If you go abroad without travel insurance, you will have to pay out of your own pocket for treatment in case of a problem. When you know that a simple appendicitis operation costs €44,060 in the United States and a flu costs €24,120 in Canada, you can quickly understand the importance of being well insured when traveling!

Of course, you would rather not have to use your travel insurance. Sometimes it’s helpful to know what to do if a claim to avoid making the situation worse.

My opinion on the refund process

It’s simple. Simply print out the online form on the Chapka website. Then, go to the doctor or the hospital and present it to be fully covered.

All insurers require this document signed by doctors to trigger reimbursement of expenses. If you cannot print documents on the spot, keep the supporting documents: medical report, attestation, detailed invoice, etc.).

Then return all documents to Chapka and the fee will be refunded.

Here are some common situations:

  • Hospitalization for 24 hours: You will have to advance the expenses incurred and keep all the receipts for medical and hospital expenses. As well as the invoices for medication in order to send them later to the insurer for reimbursement.
  • Hospitalization of more than 24 hours: You will have to contact the insurer so that it can contact the hospital where you are being treated at the end of the world. In this way, there is no advance payment to be made for medical expenses.
  • Luggage theft: You must contact the insurer within 5 days. The delay may vary depending on the loss suffered.

You will obtain these documents to prove your travel insurance contract:

Chapka insurance review
You will receive a certificate in your own language and another one translated. You will have to present it to the competent authorities in case of a claim.
Chapka travel insurance contract
This certificate must be presented to the competent authorities in the event of a claim.
Chapka insurance contract
The dates of the stay must be indicated on the travel insurance certificate.

My repatriation with Chapka insurance

I never thought I would live this experience one day. However, I experienced an emergency repatriation from Vietnam following an eye infection. Obviously, when a problem occurs, we don’t necessarily know how to react! However, the principle is simple…

All you have to do is prove to Chapka Direct that you had an accident, the nature of the accident and the amount of the expenses related to the accident.

The same is true for car accidents or thefts: the police report will be requested by any insurer.

In the rush, people sometimes forget to ask for these essential documents to get reimbursed in case of a glitch. On some travel discussion forums, some travelers complain that they couldn’t justify expenses without these receipts. So be aware because this is a precept shared by all insurers.

Good to know: Generally, your mutual insurance company abroad does not cover most medical expenses incurred abroad. If they are covered, they will only be reimbursed by your mutual insurance company based on the prices charged in your country.

You can apply for your European Health Insurance Card to be covered in case of illness or hospitalization in Europe.

If you are in Europe, the process is a little different. You must first send your receipts to the Social Security, then to your mutual insurance company. Chapka will reimburse you the difference.

It remains for me to wish you an exceptional journey!

In July 2022, get -5% discount on your Chapka travel insurance.
Click here: Activate Promo Code

The discount is automatically applied to your quote cap assistance, cap working holiday or cap student.

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: that of digital nomadism and online entrepreneurship. If you liked this article, please share it or leave your comment, I'll answer it.

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