Heymondo Seguros de Viagem Reviews 

Easy to use app. Good pricing with basic coverage and an option to focus on just medical coverage.

The team was really fast and efficient answering my request

Given that everything went fine, and that I did not need to activate the insurance, I cannot talk about their response. Nevertheless, given the conditions, it seems to have been a good deal.

I had a very positive experience with Heymondo. The policy offers a great set of features and the whole purchase process was quick, simple, and straightforward.
Fortunately, I didn't need to make a claim, so I can't comment on how the insurance performs in that situation. However, based on my experience so far, I would definitely consider using Heymondo again for future trips.

Foi tudo Óptimo!

Had a small issue and support where very friendly and managed to sort it out in record time.

Beautiful and easy to understand website, I would just recommend to improve the app login screen since not everyone uses a Passport as their credential.

Another insurance company that fails you when you actually need them.

After I missed my flight due to a technical malfunction with the original aircraft, I contacted their assistance line. I followed their advice and purchased a different plane ticket, believing I would be reimbursed. Only afterwards did they inform me they would not cover the cost.

This was the first time I ever bought travel insurance, and the first time I actually needed to use it. Based on this experience, I will never purchase insurance from this company again.

The most frustrating part is that a technical malfunction of an aircraft is explicitly covered under the policy I purchased, yet they still refused to pay. Even worse, they relied on a justification that does not exist anywhere in our contract simply to deny my claim.

Now they’ve only created more work for themselves because I intend to challenge this decision. I’m confident I’ll win.

I strongly recommend choosing a different insurance company.

UPDATE following Heymondo’s response below, which contains inaccurate information:
Hi Diana,
Thank you for your response, but I need to correct a factual inaccuracy that undermines your entire argument.
Your response implies that I purchased the alternative flight preventively, without having boarded the original flight. This is not accurate.
I boarded flight MU213. I remained on board for approximately two hours while the crew informed passengers that the aircraft was undergoing troubleshooting and being diagnosed for a technical fault. I was then instructed to disembark due to the malfunction, and the airline proceeded to replace the aircraft.
After disembarking, I was still in Shanghai with no access to the internet — in China, the vast majority of Western apps do not work due to government restrictions — and had no way to act. It was only after landing in London that I called your assistance line to ask what I should do. During that call, I was presented with two options, both described as covered by my policy, and was told the choice was mine. Only after that conversation — and with my connection to Lisbon already definitively lost — did I purchase the alternative flight and book the hotel.
There was no preventive decision on my part. I followed the instructions given by your own assistance line.
I would also like to highlight something that future customers should be aware of: this policy explicitly covers alternative transport due to technical failure of the aircraft. That is precisely what happened here — a malfunction detected after boarding, requiring diagnosis on board and replacement of the aircraft. Yet Heymondo is refusing to pay, reframing an aircraft malfunction as an operational delay in order to avoid coverage. The clause they rely on to refuse payment is in fact the one that should cover exactly this situation.
This matter is currently under review by the ASF — the Portuguese Insurance and Pension Funds Supervisory Authority.

Easy to subscribe, didn't have need to use the insurance

Highly recommended. Used two times already, and the team was supportive throughout the entire process. Good value for money, too.

Very easy and fast process! Hope everything runs well on my trip if I need any assistance. Thanks!

I had to cancel my trip I they refund everything

Bad user experience! They refer me to the app after bring a police and I need to fill out password I never created before

Not sure about the insurance yet. But they refuse to pass a regular fiscal invoice, as they are based in Ireland (which is no valid excuse).

Overall horrible customer experience. Support is inexistent, don’t waste your money.

Easy and good

We purchased a “Top” travel insurance policy expecting protection in case of real travel disruptions. Unfortunately, our experience with Heymondo / IMA Ibérica has been extremely disappointing and feels deliberately evasive.

Our journey was severely disrupted by a chain of events completely outside our control:

Our ferry from Coron to El Nido was cancelled without prior notice, with all sea routes suspended for days.

As a mitigation measure, we purchased an alternative flight.

That flight was then cancelled as well due to weather conditions.

As a direct result, we were objectively unable to reach El Nido on time and lost prepaid hotels and tours.

Despite this very clear causal chain, the insurer chose to fragment the events and interpret the policy in the narrowest possible way.

They:

Ignored the clear link between the cancelled ferry, cancelled flight, and the loss of hotels and tours.

Used highly literal and restrictive interpretations of the policy to deny coverage.

Argued that losses at the destination “do not apply” simply because the delay happened elsewhere.

Rejected the application of “trip interruption” and “loss of services” despite these being explicitly mentioned in the policy wording.

In short, the insurance covered only the cheapest and least relevant part of the claim, while evading responsibility for the real financial losses.

This experience has seriously undermined our trust. If you are looking for an insurer that stands by you in complex but genuine travel disruptions, this is not it. The policy looks comprehensive on paper, but when you actually need it, the interpretation becomes extremely restrictive. Adding a delayed response to our problems.

We will be escalating this matter to the insurance regulator and sharing this experience publicly to ensure other travelers are aware.

⭐️ 1/5 - Disappointing and Unreliable Travel Insurance (Heymondo)
⚠️ BEWARE OF AGENT PROMISES! ⚠️ What Heymondo agents assure you before purchase WILL NOT be true when you need to file a claim. This insurance is characterized by non-existent communication and using technicalities to deny coverage.
❌ Medical Emergency Service (Non-Existent 24/7 Support)
Around the third week of my trip, I fell ill. Despite their advertised 24/7 medical attention, their support channels are useless in a real crisis.
• Communication Failure: I lost my voice, and they have no alternative channels like WhatsApp or video calls with a doctor—making communication impossible. Their emergency line is strictly for medical emergencies and they will hang up if you try to address anything else.
• Delayed and Useless Response: After finally getting an email, their only solution was to recommend two distant clinics three hours away by car, completely ignoring my location and immediate need. They never offer virtual doctor consultation.
• Claim Denial: Since I had to resolve the issue myself by going to a local pharmacy, they later stated they would not cover the costs because their 'solution' was for me to travel to those distant centers. They barely respond to emails, often taking until the next day.
❌ Baggage and Assistance (Total Lack of Support)
At the end of my trip, one of my bags was lost during a connecting flight. I tried to contact Heymondo immediately, explaining I had no way to get home without necessary items.
• Zero Assistance: I used the emergency number (they hung up), the email, and the app—none of which provided an answer. I was left completely unsupported.
• Contradiction and Denial: I was explicitly assured by an agent before buying the policy that coverage extended to the final day, but when I finally got a response the next day, they refused the promised economic compensation. Their justification was that I had already arrived at my country of residence, even though I had nowhere to go without my belongings.
• They simply refused to acknowledge the situation or offer any support for the inconvenience, providing a form that resulted in the exact same denial—no compensation because I had already arrived home.
Summary: Heymondo advertises itself as a modern, reliable insurer, but in a real crisis, their channels fail, their staff is inflexible, and they use technicalities to deny claims. I cannot recommend this insurance.