Chapka Insurance Review 2024: Coverage, Benefits, and User Experiences

Personally, I don’t think there are enough online reviews of Chapka out there to make a decision merely on this basis.

So, to give you further insight, I’ll be sharing my own experiences with Chapka, as well as some information about their policies and their benefits.

Which is the best Chapka policy for me?

When selecting an insurance policy, it’s vital that you consider all the possible risks related to the trip you’re taking, so you can prevent being uninsured for a potential incident while abroad.

Aside from possible risks, you should also carefully consider what your personal needs are as travellers, so you can ensure you get the right level of coverage based on those needs.

Having a good idea of which traveller profile you fit into is crucial when taking out insurance. So, let’s take a look at the best Chapka policies for the different traveller profiles in April 2024:

All discounts will be applied automatically when you use our links.

How does Chapka Insurance work?

It’s simple. If you take out a policy with Chapka, you can make a claim on this insurance if something goes wrong while abroad, and receive reimbursement for the costs. A real life-saver!

To recover the costs of medical treatment abroad, for example, simply print out the online form on the Chapka website. Then, go to the hospital and present it to them, and they will provide you with all the supporting documents you’ll need to make a claim with Chapka.

All insurers require this document signed by doctors to trigger reimbursement of expenses. If you can’t print documents on the spot, keep the supporting documents: medical reports, declaration, detailed invoices, etc.).

Also, it’s incredibly important to declare any pre-existing conditions when contracting. If you follow all these steps, you are likely to have a successful claim with Chapka.

What are the benefits of Chapka Insurance?

Chapka Direct is perhaps not the cheapest insurance company on the market. But it does offer excellent coverage, and a range of useful services that aren’t covered by many other insurers.

For example, there are few insurers with as many different policies as Chapka. This means that each policy is perfectly suited to its target audience, meaning you’re getting the best coverage.

Another stand-out feature of Chapka is their medical coverage. Depending on the plan you choose, you can even get unlimited medical expenses covered for, making it perfect for the adventure sportspeople.

With Chapka Cap Adventure, you can also make use of a 24/7 medical teleconsultation service.

Chapka Insurance coverage

In this section, I’ve summarised the most useful benefits that Chapka has to offer:

• 🚑 Extensive medical coverage, and in some cases, medical coverage during trips home to your country of residence.
• 🧳 Baggage compensation in the event of lost or stolen belongings.
• ✈️ Repatriation and early return.
• 🦠 Covid-19 coverage, with a wide range of cancellation causes.
• 🏄‍♂️ Broad coverage for sports and adventure activities.
• ⛑ Search and rescue expenses.

Personally, I prefer to pay a few extra euros to be covered for risky sports or activities, or for high medical expenses, as most countries have exorbitantly high medical costs for foreigners.

I personally find Chapka to be a fantastic insurer. However, you should know that Chapka’s policies are only available to residents of the European Union and French Territories, but keep reading! You’ll find information about other great insurers below.