Visas · insurer fileHeymondo
Heymondo eligibility rules
App-first cover with a 24/7 medical chat. Every row below is taken from Heymondo'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 | Most countries | Marketed worldwide via localized storefronts; US residents face extra restrictions. | partly |
| No fixed country of residence | No | Quote keyed to country of residence. | partly |
| Buying after you have left home | With conditions | “Already abroad” option with 72-hour wait, but NOT available to US residents. | partly |
| Maximum age | 69 | Up to 69 for trips under 30 days, but only 49 for trips of 30+ days (Long Stay). | partly |
| One-way and open-ended trips | With conditions | Long Stay renews in 90-day blocks up to 12 months; not sold one-way to US residents. | partly |
| Longest trip | 12 months, renewable | Single trip ~90 days; Long Stay renewable to 12 months. | verified |
| Pre-existing conditions | No | Excluded; emergency treatment of unforeseen episodes may apply in some wordings. | partly |
| Cover in the USA | Yes | US available as destination (higher pricing tier). | verified |
| Schengen visa certificate | With conditions | Marketed as Schengen-suitable with certificates; letter mechanics unverified. | low |
| Winter sports | With conditions | Adventure/extreme sports add-on in quote flow. | partly |
| Scuba diving | With conditions | Via adventure add-on. | partly |
| High-altitude trekking | With conditions | Via adventure add-on. | partly |
| Scooters and motorbikes | With conditions | Reported covered with local licence + helmet; engine-size rules unverified. | low |
| Working abroad | Not verified | Not verified. | low |
| Trip cancellation | Yes | Included or add-on depending on plan. | verified |
| Families | Yes | Group/family discounts on multi-traveller quotes. | partly |
Who underwrites it
Varies by market (AXA and others). 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 Heymondo. That is disclosed on every link, and it never changes where they appear or in what order. ~12% per sale reported; 30-day last-click cookie (confirmed).
Sources: heymondo.com, heymondo.com. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.