Visas · head to headChapka Assurances vs ACS
Chapka Assurances vs ACS
Compared on eligibility rather than price: who each will actually accept. French long-stay specialist. Three to 24 months, and it sells after you have gone. French broker with an under-40 long-stay plan and an eight-day mid-trip window.
The rules side by side
| Rule | Chapka AssurancesCap Aventure / Cap Schengen | ACSGlobe Partner / Globe Traveller / Europax |
|---|---|---|
| Who can buy it | Set list of countriesCap Aventure covers residents of the EEA, Switzerland, Andorra, Monaco and the French overseas territories. Cap Schengen, by contrast, is open to any residence worldwide. | Any residenceEffectively global: the products cover travel outside your usual country of residence and residence itself is not restricted. |
| Buy after you have left home | YesCap Aventure can be taken out after departure with a 12-day waiting period. No wait if bought before you leave. | YesGlobe Partner and Globe Traveller can be bought after departure with an eight-day waiting period on all benefits. Europax cannot if you are already inside the Schengen area. |
| Maximum age | 79Cap Aventure is for under-79s; Cap Schengen has no hard cap and prices an 81-plus tier. | 65Globe Partner is under 40, Globe Traveller under 66, and the Europax Schengen plan under 70. |
| One-way or open-ended trips | With conditionsLong-stay products of three to 24 months work for open-ended travel, though it is not stated explicitly. | With conditionsDuration-based products with no return-ticket requirement stated. |
| Longest trip | 24 monthsCap Aventure runs three to 24 months. The short-stay and Schengen products cap at 90 days. | 12 monthsTwelve months on Globe Partner and Globe Traveller; Europax is 90 days or 90-in-180. |
| Pre-existing conditions | NoPre-existing conditions excluded across the range, with no screening or surcharge route. | NoNo screening flow; pre-existing conditions effectively excluded. |
| Cover in the USA | YesCap Aventure offers €1,000,000 medical including the USA and Canada, versus €200,000 excluding. | With conditionsGlobe Partner covers the USA in its worldwide zones. Globe Traveller requires the €500,000 cover level for North America. |
| Schengen visa certificate | YesCap Schengen: €30,000 medical, instant certificate approved by Schengen consulates, refundable if the visa is refused, from about €18. | YesEuropax meets the €30,000 requirement with a certificate issued online within minutes. |
| Winter sports | YesSkiing included in Cap Aventure. | With conditionsRisky sports are a paid add-on on Globe Traveller. |
| Scuba diving | YesDiving included in Cap Aventure. | With conditionsVia the risky sports add-on. |
| High-altitude trekking | YesTrekking included with no altitude limit stated. | With conditionsVia the risky sports add-on. |
| Scooters and motorbikes | Not verifiedScooter rules not published clearly. | Not verifiedNot verified. |
| Working abroad | NoCap Aventure is tourist-purpose only and work-visa holders are ineligible. Chapka sells separate products for working holidays and volunteering. | With conditionsStudents and interns are covered by Globe Partner, with a separate Globe PVT product for working-holiday visas. |
| Trip cancellation | NoNot included in Cap Aventure; sold as a separate Cap Cancellation product. | With conditionsAn optional add-on on Globe Traveller, and only for departures from mainland France, bought the same day as the trip booking. |
| Families | YesCouple discount 5%, family discount 10% on Cap Aventure. | With conditionsPer-person pricing with family and group quotes available. |
| No fixed country of residence | NoCap Aventure requires EEA-area residence. | With conditionsResidence is declared rather than gated, but the products assume you have one. |
Both columns are generated from the same rule database the checker uses. Sources: Chapka Assurances and ACS, checked 2026-08-03.
Who each one suits
- Chapka Assurances makes sense when you have already left home, or you are comfortably under 79.
- ACS makes sense when you have already left home, or you are comfortably under 65.
Both columns come from the same rule database the checker uses. Sources: Chapka Assurances and ACS, checked 2026-08-03.