Here we're going to talk about the travel insurance that is considered the most popular among French-speaking backpackers and long term travelers: Chapka Insurance. If you plan to go on a long journey or a round the world trip, chances are you have already heard about Chapka's Cap Adventure coverage (Even if their marketing has focused mainly on french speaking countries until recently).
So on this page we are going to review together the different coverages offered by Chapka insurance (with a focus on the Cap Adventure) and we are going to give you our opinion about the level of the guarantees they offer.
Does Chapka Insurance deserve the praise they get on the internet?
This is what we will see together in the following lines:
This page about Chapka insurance is a complement to our guide and comparison of the best long term travel insurance. We hope that our Chapka insurance review will help you choose the best travel insurance for your project.
Chapka Insurance: Who are they?
Chapka Insurance, as well as TrueTraveller, AVI International, SafetyWing and ACS Insurance is an insurance broker (who also offer international coverage) specialized in travel insurance. They are based in Paris and the company already exists since 2002! Since 2019 they have joined the Aon Group, an International company and one of the world's leading insurance brokers.
Chapka has from the beginning stood out from its competitors by offering customized coverages for each type of trip. They are also among the first to have gone 100% digital by offering an easy subscription on their website and a very well designed platform for their customers (containing contracts, important information, to make online claims etc. …)
Of course, you have the possibility to contact them directly by phone 7/7/24 in case of problems, but for backpackers / travelers, the 100% online aspect is now the norm! In fact, it is still one of the only insurances to offer remote consultation, a convenient service that allows you to have direct access to the advice of a doctor in your mother tongue anywhere in the world!
Chapka Cap Adventure : the long term travel insurance for backpackers
CAP Adventure is Chapka's coverage specially designed for backpackers and long term travelers. To subscribe, you must plan to travel for more than 3 months, up to 24 months and for a 100% touristic purpose (meaning that you don't plan to work along the way… they have other coverages for people going on a WHV). In other words, the travel insurance for backpackers and long term travellers at its best!
In our opinion, the big plus of Chapka's Cap Adventure coverage is the excellent overall level of guarantees. It covers you for all the most important points and much more:
- Medical expenses up to 200'000€ (1'000'000€ USA / Canada)
- Repatriation (100% of actual costs)
- Personal liability (4'500'000€ for bodily injury and 450'000€ for material damage)
- Medical expenses in your home country in case of repatriation (up to 15'000€)
- Teleconsultation
- Luggage and valuables (max 2'000€ and max 1'000€ per object)
- early return in case of hospitalization or death of a family member
- refund of unused months in case of early return
- …
In short, a very comprehensive and versatile coverage, perfect to cover your adventures around the world!
Prices start at 53€ per month. Prices depend on the length of the trip (cheaper the longer the trip) but also on the countries you plan to visit (basically if you don't go to the USA or Canada you will pay less…) 🙂
Good to know: Chapka also offers great rates for couples (-5%) as well as families (-15%).
See details about the CAP Adventure coverage
If you want to compare the price and guarantees offered by Chapka's Cap Adventure coverage with other similar insurance plans for long term and/or round the world trips, we recommend you to take a look at our interactive travel insurance comparison table. You will be able to see at a glance what distinguishes Chapka from other insurance plans and make an informed choice.
Other travel insurance coverages offered by Chapka
Chapka insurance does not only offer insurance for round the world and long term trips. They have a wide range of coverages from simple travel insurance for people going on short vacations, to multi-trip insurance for 1 year, as well as a variety of offers for people going on WHV or expatriation.
Here is an overview of some of the insurance products offered by Chapka that we find particularly useful:
Cap assistance 24/7
This is a bit like CAP Adventure but for shorter stays of less than 3 months! In brief it's the insurance for travelers who would leave for a shorter period to go backpacking in South East Asia for example (or other regions eh… or just on vacation for a few weeks) 😉 .
Cap Assistance 24/7 prices begin at 22€ for a one-week stay in Europe and go up to 222€ for a 3-month stay worldwide (prices vary depending on the length of the contract but also on the region visited).
In terms of coverage, Cap Assistance 24/24 offers very extensive coverage: Luggage, repatriation, medical expenses, teleconsultation, personal liability, early return, etc…
Cap Multi Travel
This coverage is very useful for people who travel several times a year. Just like the 24/7 Assistance, it covers everything related to repatriation, medical expenses, luggage, personal liability, and even coverage for plane or luggage delays. Little extra: There are special rates for couples or families. Condition ? None of the stays can exceed the 90 days maximum duration.
So do your math with the Cap Assistance 24/7, but if you have several trips planned in the same year, the Cap Multi Travel is certainly the cheapest option.
Cap Working Holiday
The insurance for people going on a WHV (work holiday visa) for example in Australia or Canada. Cap Working Holiday offers a really extensive coverage that includes all risks (medical expenses, repatriation, liability, luggage, etc…) during your working hours but also during your travels in the country of your WHV as well as 90 days worldwide and 30 days in your home country (if you come back for the holidays for example).
To subscribe to this insurance, you must hold an official work holiday visa issued by your destination country.
By the way, for those who are still hesitating to go on a WHV, you can watch the excellent movie made by our friends from Coflocs for Chapka about this way of travelling that combines vacations and work (it's in french but you can turn on the subtitles):
They offer also other coverages, but these are the ones that seem the most relevant for this page… To check out all their offers, just go to their website.
Chapka insurance makes you travel before you go
Insurance is an important topic, but it's not really the funniest part of the preparations... But Chapka also has the ability to create great content on their different platforms to make you travel before while you're preparing your trip.
The backpacker generation movie
If you are still not sure if you want to go on a round-the-world trip, the backpacker generation movie made by our friends the Coflocs and supported by Chapka should finish to convince you. This 50 minutes documentary is simply wonderful and reminded us all those beautiful emotions we felt during our journey around the world. In short, a must-see movie (plus it's free 😉 )
The Vanlife generation movie
Since then, the Coflocs have done it again and made a new documentary for Chapka insurance about Van Life. Honestly, it's a great piece of content and we think it's amazing that an insurance company like Chapka supports this kind of stuff!
Our final Chapka travel insurance review
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Useful Links
- Their very complete FAQ
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I planned to travel around the world for 1 year approx and before I left the country decided to do research about travel assurance and decided by Chapka which is part of the AON group and uses AXA as partner.
My residency is in Spain and I have subscribed the option “Chapka Trotamundos” for 1 year.
I used it for the first time in 5 months traveling once I damaged my wrist and decided to post my experience once it couldn’t be better.
Is it true that to open the incident you need to call, and this option could be expensive if you are offbroad, but I sent an email and they answered with two options to open the incident by phone: use a familiar or friend to do the call on your behalf or do a Skipe call.
I decided to use Skipe to report the incident and get assistance and in less than 1h have the email with all the guidelines to go to the hospital more close to my accomodation.
They have a correspondent partner in each country that helps with all the process and do the follow up after leaving the hospital till guarantee that the incident is fixed.
I went to a private hospital, did all the exams, got treatment, received medicines from the pharmacy and haven’t paid anything, all goes to the assurance warranty.
I totally recommend AXA/AON/Chapka travel assurance.
Thanks for your feedback Maria… Usually people complain a lot about travel insurances. So good to read a positive feedback for once 😉
Hello guys i would like to ask you, i am already in a trip in cambodia and i would like to know if i can take a 3 month insurance. I read about the 12 days gap after you pay for the insurance, but i would like to know if is there something else i would keep in mind. Thanks for your time best regards