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Chapka Seguros review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Chapka Seguros is a French travel insurance broker built for expats, and it is a sensible pick for a single trip with heavy medical costs. Premiums start at €5.70, the Cap Trip Plus plan pays medical expenses and hospitalisation to a high limit, and the range stops at travel cover only.

Key facts

Best for
Expats and other travellers buying one policy for a single trip.
Premium from
€5.70↗
Insurance types
Travel↗
Provider type
Broker↗
Excess from
€0↗
Cover limit
Up to EUR 5,000,000 medical expenses and hospitalisation (Cap Trip Plus)↗
Claims channels
Phone, Email, Mobile-app, Online-claim-form↗
Age range
18+ to purchase, no upper age limit↗
Legal entity
Aon France (SAS), trading as Chapka Assurances↗
Headquarters
France↗
Founded
2002↗
Support channels
Email, Phone, Help-centre↗
Audience
Expats
Official website
chapkadirect.es

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Aimed squarely at expats, the audience the product is written for.
  • Claims can be started through phone, email and mobile app, including the app and an online form.
  • Support for questions before buying runs on email, phone and help centre.

Cons

  • Cover is limited to travel insurance, so home, car or life policies need a different provider.
  • Support runs on email, phone and help centre only, with no live chat among those channels.
  • The policy is written in the name of Aon France (SAS), trading as Chapka Assurances, which puts a broker between the traveller and the insurer.
Chapka Seguros

Ready to try Chapka Seguros?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Expats and anyone living outside their home country, the stated audience being expats.
  • Travellers buying a single trip policy who want to claim by phone, email and mobile app.
  • Older travellers, since purchase is open to 18+ to purchase, no upper age limit.

Who should look elsewhere

  • bunq, for a bank account that opens at €0 rather than travel cover.
  • bunq Spain, whose own entry figure is €0, if the need is everyday banking rather than a trip.

Deposit protection

Chapka Seguros is a broker, not a direct insurer, so the policy itself sits with an insurer that the broker chooses. The intermediary side is listed with ORIAS, the French register of insurance and reinsurance intermediaries, under 07001560. Buyers are contracting through a registered intermediary, so the registration number is the place to check for accountability on the sale.

How Chapka Seguros compares

Where Chapka Seguros is available

Available
France, Spain
Licence in France
ORIAS (Registre des Intermédiaires d'Assurance et de Réassurance) (07001560), checked September 26, 2026
Licence in France
ACPR (Autorité de Contrôle Prudentiel et de Résolution), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Chapka policy cost?+

Premiums start at €5.70 for the entry policy, and the Cap Trip Plus plan carries an excess of €0. Chapka sells a trip policy through a broker rather than a savings account with monthly fees, so the premium is the figure to compare against other travel quotes.

Who is Chapka built for?+

The stated audience is expats, and the cover is written for people who travel away from the country they live in. Purchase is open to 18+ to purchase, no upper age limit, so older travellers are not turned away. A holiday trip or a move abroad both fit what the product was built for.

What does the policy actually cover?+

Cover is travel insurance and nothing wider, so this is a travel policy rather than home, car or life cover. On the Cap Trip Plus plan the policy pays medical expenses and hospitalisation to a high limit, which is the part that carries the largest bills for a traveller abroad.

Is Chapka a regulated broker?+

Chapka is a broker rather than the insurer, and its intermediary registration appears with ORIAS, the French register of insurance and reinsurance intermediaries, under 07001560. The cover is written in the name of Aon France (SAS), trading as Chapka Assurances, so the insurer on the certificate carries the risk.

How do you make a claim?+

Claims can be opened by phone, email and mobile app, which adds the mobile app and an online claim form to the phone line and email. The app matters on a trip, where a hospital discharge can arrive in a language the traveller does not read and a claim has to be filed quickly.

How do you get help before buying?+

Support for questions before a policy is bought runs on email, phone and help centre, which keeps the help centre, phone and email in one place. It is separate from the claims side, which reaches further with the app and the online claim form.

Where is Chapka based?+

Chapka is based in France and has traded since 2002, which is worth knowing when a claim is handled across borders. The policy is issued by a French entity, so the terms that apply are the ones written into the certificate for the trip.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly payments.

Chapka Seguros

Chapka Seguros

Expats and other travellers buying one policy for a single trip.

9.1/10See alternatives