Heymondo review: who it’s really for.
Heymondo is a Spanish broker that sells travel insurance with a handy app. It has single trip, annual and Long Stay plans. The limits are high, but the age caps are low.
Ankyro may earn a commission if you buy from Heymondo. It never changes the verdict.
Heymondo is a solid pick for travellers under 50 who want high medical limits and a good app. Long Stay works for a few months abroad, with or without the US. It is not for anyone over 49 on a long trip, anyone with a health condition, or anyone who needs real health insurance to live abroad.
- Good for
Travellers under 50 on trips of a few weeks to a few months, who want high limits and an easy app.
- Not for
Anyone 50 or older on a long trip, people with a health condition, and expats who need full health insurance.
The facts
Heymondo, from its own fine print.
Checked against Heymondo’s own documents on 23 October 2026. Prices and terms change, so check the latest wording before you buy.
- Price: USD 162 for 90 days
Long Stay costs USD 162 for the first 90 days without the US, about USD 54 a month. With the US it is USD 296. Each extra 30 days costs USD 54, or USD 87 with the US. The price is the same for every age up to 49.
Source: heymondo.com - Age limits: 49 for long trips
Single trip plans take you up to 69 for trips of up to 29 days, but only up to 49 for trips of 30 days or more. Annual and Long Stay plans stop at 49.
Source: heymondo.com - Maximum cover: up to USD 10 million
Single trip and annual plans cover medical and dental emergencies up to USD 10,000,000. Long Stay covers up to USD 2,500,000.
Source: heymondo.com - Excess: USD 250 on Long Stay and annual
Long Stay and annual plans have a USD 250 excess on medical costs only. The single trip page says its plans have no deductible.
Source: heymondo.com - US cover: on the dearer Long Stay plan
Long Stay comes in 2 versions: worldwide except the USA, or worldwide including the USA for a higher price.
Source: heymondo.com - Pre-existing conditions: not covered
Heymondo says its policies do not cover routine check-ups or pre-existing medical conditions.
Source: heymondo.com - Claims: in the app
You open a claim in the Heymondo app and attach your documents. The app also has a 24/7 medical chat. In an emergency, you call the assistance number on your policy.
Source: heymondo.com - Who insures it
Heymondo is a trading name of Smart Insurance Correduría de Seguros, a Spanish broker registered with the DGSFP. Its website does not name the insurer. Check your policy documents for it.
Source: heymondo.com
Good and bad
What we like, and what we don’t.
- The good
- High medical limits: up to USD 10 million on single trip and annual plans.
- Long Stay prices are public and simple, with a clear choice to add the US or not.
- The app lets you open claims and chat with a doctor 24/7.
- Single trip plans take travellers up to 69 for short trips.
- The bad
- The age cap is 49 for any trip of 30 days or more, and for annual and Long Stay plans.
- Pre-existing conditions are not covered.
- The website does not name the insurer that pays your claims.
- It is travel insurance. It does not replace health insurance for living abroad.
Questions
People also ask.
Is Heymondo worth it?+
For travellers under 50, yes, it is a fair option. The limits are high and the app is easy. Check the USD 250 excess on Long Stay and annual plans, and the age caps, before you buy.
Does Heymondo cover pre-existing conditions?+
No. Heymondo says its policies do not cover pre-existing medical conditions or routine check-ups.
What is the age limit for Heymondo?+
Up to 69 for single trips of up to 29 days. Up to 49 for trips of 30 days or more, and for annual and Long Stay plans.
Does Heymondo cover the USA?+
Long Stay has a version that includes the USA, for a higher price. The other version covers the world except the USA.
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