Chapka Insurance Review and 5% Discount Code

In this Chapka insurance review, we will see if Chapka offers good coverage. Also, you can take advantage of the Chapka promo code valid now:

In November 2022, get a 5% discount on your Chapka travel insurance
Click here: Activate Promo Code

The discount will be automatically applied to Cap Assistance, Working Holiday, or Student policies.

chapka assurance

If you are travelling 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, and the United States.

Website : https://www.chapkadirect.com

Chapka insurance : my feedback

I have been covered by Chapka Direct insurance since 2017. In my opinion, Chapka is a great option for travellers, and has a good reputation based on its reviews.

Chapka insurance offers 5 important guarantees:

  • 🚑 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 survey of 16 insurers (before subscribing to Chapka), Chapka’s guarantees seemed to be the most complete.

How does Chapka travel insurance work?

Chapka insurance offers different travel insurance packages adapted to all sorts of traveller profiles:

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

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

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

Now let’s take a closer look at what its main competitors have to offer:

My opinion on the Chapka insurance guarantees

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

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

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

It’s worth noting that ACS offers the lowest rate. However, ACS’ coverage and service levels are lower than those offered by Chapka.

Upon closer investigation, the ACS formula does have some disadvantages:

  • 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 if you don’t engage in any activities during your stay.

With this in mind, taking out Chapka travel insurance is a guarantee that you will be well taken care of in case of any problems resulting from sports activities.

Personally, I prefer to pay a few extra pounds 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 against official recommendations regarding an event known by the WHO or by the Ministry of your country of residence.

With the Cap Adventure formula, Chapka reimburses health expenses and guarantees the repatriation of travellers 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 you contract Covid-19 at your destination, and medical repatriation;
  • If no return is possible in case of lack of transport to your destination due to a restriction 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 (e.g. temperature check).

Chapka medical teleconsultation 7 days a week

Teleconsultation is available on the Doctor Please! App. This service is available to anyone who has 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 reviews for Chapka since 2017, it is clear that Chapka has a good reputation.

Most of the favourable opinions focus on quality guarantees and the attention given 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.”

Regarding fast reimbursement: “You have to provide all the invoices, and sometimes they are missing.”

by Gite28

“I am super happy, I was reimbursed very fast, I’m sharing because it’s rare that insurance works so well, responds quickly by mail, are available by phone, and have nice advisers.”

Chapka Cap Adventure reviews

by Javier

“We are on a world tour with the family, and our daughter had an ear infection in Peru. We called ahead to make sure our insurance was working, and we were completely reimbursed.”

“We got a quick response.”

“As a family, it’s a budget option, but it works.”

by Phil Alex

“We travelled 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 (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, hence my 5-star rating of the personal experience I had with Chapka.”

Chapka Cap Working Holiday reviews

by MariaM

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

“The customer service responds quickly and everything is quite simple.”

by Froufrou28

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

“Responsive and professional support team,”

How do I buy Chapka travel insurance?

Go to the official Chapka website: https://www.chapkadirect.com

The online subscription is easy to sign up for via the Chapka insurance website, and your medical certificate is not necessary.

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

Chapka Cap assistance discount

In November 2022, get a 5% discount on Chapka travel insurance
Click here: Activate Promo Code

  1. You will be redirected to the official Chapka website.
  2. Fill in the form. Do not fill in the promo code, as it will be applied automatically.
  3. Click on “Get a quote”.
  4. The discount will be applied, and you will see this message: “Your discount has been applied”.

Chapka Cap adventure discount

After checking with the Chapka teams in November 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 its strong guarantees and coverage.

To see the November 2022 promotional offers, visit the official website: https://www.chapkadirect.com/cap-adventure

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 based on prices charged in your country. You can apply for European Health Insurance Card to be covered in case of illness or hospitalisation in Europe.

Risky countries where travel insurance is required

If you are travelling 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, and the United States.

In some countries, such as the United States and Canada, getting medical care is expensive, unaffordable even! This is why we recommend taking out Cap Assistance insurance if you don’t want any unpleasant surprises!

Hospitalisation 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 take into account the rates charged in your country of residence 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 trips to the United States.

In fact, when you subscribe, you can also opt to add trips to Canada to your coverage. Just remember to indicate the date of your arrival and the date of departure to/from the US or Canada.

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 a leader in the travel insurance market and enjoys a good reputation among travellers, with an overall rating of 9.5 /10.

In my opinion, Chapka Insurance has found a great balance by offering comprehensive travel insurance packages adapted to travellers’ profiles.

How to get reimbursed by Chapka?

If you travel abroad without travel insurance, and you run into trouble, you will have to pay out of your own pocket. When you know that a simple appendicitis operation costs €44,060 in the United States, and flu treatment costs €24,120 in Canada, you quickly understand the importance of being well insured while travelling!

Of course, you’d rather not have to use your travel insurance, but it’s helpful to know what to do in case of a claim to avoid making the situation worse.

My opinion on the refund process

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

All insurers require this document, signed by doctors, to trigger the 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:

  • Hospitalisation 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 to the insurer later for reimbursement.
  • Hospitalisation of more than 24 hours: You will have to contact the insurer so that they can contact the hospital where you are being treated. In this way, no advance payment needs 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 go through something like what I experienced in Vietnam. I had to have an emergency repatriation following an eye infection. Quite often, 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 all the rush, people sometimes forget to ask for these essential documents to get reimbursed. On some travel discussion forums, some travellers complain that they couldn’t justify expenses without these receipts. So beware, as this is a precept adopted 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 hospitalisation in Europe.

If you are not in Europe, the process is a little different. You must first send your receipts to Social Security, then to your mutual insurance company. Chapka will reimburse the difference.

I wish you a safe and exciting journey!

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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