Chapka Assurances Reviews 

For a year I used an Working Holiday insurance with Chapka. Never got sick, never went to the doctor. Suddenly, a red rash starts spreading on my foot. It drives me nuts! It hurts, burns, etc. I make a doctors appointment (which costs me over €300), the doctor fills in the Chapka fill out form, I pay, get the receipt, etc.
To make a long story short, after months, I am still writing emails every day to ask my money back. The state they send me the money to my Mastercard, but I never paid my Chapka insurance with a Mastercard.
This is pure fraud!

WORST INSURANCE EVER
Been with them for more than a year and never have claimed. For once that I go to the doctor they cant refund a simple doctor appoitment!!!!!!!

Fast answer and attention but I hope you know what’s your issue before going to the doctor, because if they don’t, and they need to do some tests/visits to you before, you won’t see this money back until they can tell you what’s wrong. So I hope you have a good budget and the doctors can tell it to you at the first visit, otherwise I wouldn’t even try it. I spent 300$ on tests+visits (only the 1st visit) and they couldn’t tell me what was wrong, but as you can understand, I don’t have an infinite budget to keep going there until they figure it out so I’ve lost these 300 bucks.
So, if you feel unwell but the doctors can’t find the illness, this company won’t pay any cost.

We travelled for almost 1 year around the world, so we needed a long term travel insurance that covers risks when we should get ill or have an accident i.e. doctor / hospital bills. our 6 year old got sick twice (hopefully nothing serious) and we needed to visit the private clinic in Bali and in Singapore. I had to fill in a form and send scans of the doctor / hospital report, invoice etc. It took a couple of weeks to hand in the docs asked by Chapka staff, but at the end we received full payment of all bills. Based on this, our experience with this agent was good and thus my 5-star rating of the personal experience I made with Chapka.

After been with them for almost 2 years I had a dental problem and they told me to go to the dentist and fix it pay first and then they refund, I spend 300€ fixing my teeth iand at the moment of the refund they ask you for a lot of paperwork + questioning why and how constantly trying to see any flaw in my story... They did not pay me back at the moment and it looks like they will not pay me back never...it's sad because I never never contact them before and my problem it's 100% legit but they do not care about your health they care about money.... Also the process to do the claims does not work(website) and they are very bad organised I have been by 3 different people working in my case talking to me in 3 different languages :Spanish, French and English...It's a mess... Really I am not going to contract this insurance anymore...

It's funny to see all the good reviews from travel blogs promoting this company...TRAP

Absolutely NOT recommend Chapka insurance. Travelling since 2016 has been the worst service I got.
Guys, you can find much better insurances with a fantastic customer assistance, even better price.

Worst customer service I’ve never seen( from the manager which is even worse).
Literally the lady screamed on me, and told me« close it please ». Took me 1month to have a random refund for a cream that I sent 3 TIMESSS the photos of the prescription and they couldn’t find it and reply me ( you don’t have any prescription sorry...)
I’d never recommend this company at anyone

Worst insurance company ever. I got injured, they told me I would be reimbursed on the phone, and now they refuse to reimburse me because they say I should keep travelling! Of course if I was not injured I would have kept travelling!!! I cancelled my surf trip with a broken shoulder I'm not gonna go there and watch people surf.

To be clear I'm not asking them to pay for the cancellation fees of the surf trip, I'm asking them to pay for the doctors I've seen for my broken shoulder. Shoulder that I broke ON A TRIP ABROAD, while I was insured on their contract.

Hassle for nothing
if there was a zero, I would give them a zero.
It's all a very unnecessary hassle. For nothing. They are not reliable and they refuse to pay. I have been waiting since November last year.
I had to go to a hospital in Colombia, i did everything they asked me: call them beforehand to get a case number, got confirmation documents from my home insurance provider, then provided all documents via email and also send them by post - and still nothing. I have not heard from them and when I call i am rudely transferred around.
Also, it is not sufficient to send scans, for some reason, they need papers, even if the documents are not originals but copies.
It's just...bad and annoying.
Go with a different insurance, avoid Europ Assistance or Chapka.