Chapka Assurances eligibility rules
French long-stay specialist. Three to 24 months, and it sells after you have gone. Every row below is taken from Chapka Assurances's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | Cap Aventure covers residents of the EEA, Switzerland, Andorra, Monaco and the French overseas territories. Cap Schengen, by contrast, is open to any residence worldwide. | verified |
| No fixed country of residence | No | Cap Aventure requires EEA-area residence. | partly |
| Buying after you have left home | Yes | Cap Aventure can be taken out after departure with a 12-day waiting period. No wait if bought before you leave. | partly |
| Maximum age | 79 | Cap Aventure is for under-79s; Cap Schengen has no hard cap and prices an 81-plus tier. | verified |
| One-way and open-ended trips | With conditions | Long-stay products of three to 24 months work for open-ended travel, though it is not stated explicitly. | low |
| Longest trip | 24 months | Cap Aventure runs three to 24 months. The short-stay and Schengen products cap at 90 days. | verified |
| Pre-existing conditions | No | Pre-existing conditions excluded across the range, with no screening or surcharge route. | verified |
| Cover in the USA | Yes | Cap Aventure offers €1,000,000 medical including the USA and Canada, versus €200,000 excluding. | verified |
| Schengen visa certificate | Yes | Cap Schengen: €30,000 medical, instant certificate approved by Schengen consulates, refundable if the visa is refused, from about €18. | verified |
| Winter sports | Yes | Skiing included in Cap Aventure. | verified |
| Scuba diving | Yes | Diving included in Cap Aventure. | verified |
| High-altitude trekking | Yes | Trekking included with no altitude limit stated. | verified |
| Scooters and motorbikes | Not verified | Scooter rules not published clearly. | low |
| Working abroad | No | Cap Aventure is tourist-purpose only and work-visa holders are ineligible. Chapka sells separate products for working holidays and volunteering. | verified |
| Trip cancellation | No | Not included in Cap Aventure; sold as a separate Cap Cancellation product. | verified |
| Families | Yes | Couple discount 5%, family discount 10% on Cap Aventure. | partly |
Who underwrites it
Varies by product: AXA Assistance, Europ Assistance, AIG, VYV IA. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Chapka Assurances. That is disclosed on every link, and it never changes where they appear or in what order. 10% of premium including tax, 90-day tracking. EU rules mean affiliates may signpost but not describe cover.
Sources: chapkadirect.co.uk, chapka.eu. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.