OUR OPINION CHAPKA ASSURANCES – “CAP WORKING HOLIDAY”
Before any departure abroad, whether in Australia, New Zealand, or other countries participating in the PVT program, the question of the choice of health insurance arises. Indeed, there are many offers and it is not always easy to know which one to choose. In this article, we will give you our opinion on Chapka Assurances, and more specifically on their special PVT insurance «Cap Working Holiday». Here are the main reasons why this insurance is popular with future backpackers who leave to do their PVT in Australia (or elsewhere).
Criteria for choosing your health insurance
When choosing your health insurance, the most important thing is to look at the different coverages offered by the contract. But other criteria must be taken into account: above and beyond the price – a necessarily crucial element, it is also important to ensure the quality of the service, the availability of its representatives, and the timeliness of claims. In our opinion,
Chapka takes all these parameters into account.
Who is Chapka Insurance?
Chapka Assurances is an insurance brokerage company that has specialized in travel insurance of all kinds for over 20 years. Since 2019, he has been part of the AON France Group, the world leader in business risk management and social insurance services.
From this expertise are born different offers adapted to the needs of all travelers. Chapka Assurances has developed several products according to the needs of travelers: Cap Student for students, Cap Aventure for world tours, or Cap Au Pair, for an Au Pair, stay in a family.
In this spirit, Chapka Assurances has also created the CAP Working Holiday insurance, specially formulated for Working Holiday Visa makers or Pvtistes in Australia, or other countries offering this type of visa. Thanks to our partnership with them, we can offer you a 5% discount on CAP Working Holiday insurance!
Our opinion Chapka, results of the reviews of Backpackers
Chapka: rave reviews
The reputation of the «Cap Working Holiday» formula was built on the returns of Backpackers who chose Chapka Assurances to carry out their PVT in Australia. Our opinion Chapka is therefore based on these certified and verified reviews, quality guarantees!
As you can see on the various Forums or Facebook groups, this insurance is one of the most popular among travelers. The majority of members are very satisfied with the quality of the services (coverage, speed of refunds, customer service).
The “Verified Reviews” site for Chapka Insurance reported 1,396 reviews for an overall rating of 9.4/10 – 95.8% satisfied, 2.1% neutral, and 2.1% negative.
What insurance did you take to go to Australia?
There are of course other insurances for the PVT. The covers may be generally similar (be careful, some include more or fewer services), but in our opinion, Chapka remains one of the most competitive.
In any case, if you have specific needs in terms of health, coverage, and treatment, it is important to take a good look at whether the contract is adapted to your personal situation.
What is Cap Working Holiday insurance coverage?
Medical & hospitalization expenses: our review Chapka, she’s on top!
You benefit from unlimited medical and hospital expenses, reimbursed at the 1st euro and without a deductible for unexpected diseases and accidents;
Emergency dental expenses (dressings, extraction, etc.) are also covered up to a maximum of €500 per year
For hospitalization of more than 24 hours, you will need to contact the Chapka Insurance support desk (reachable 24/24 +33(0)1 41 85 93 16). They will contact the hospital so that you do not have to advance expenses.
Caution: Even if our opinion Chapka is rather flattering on this point, there are exclusions for all insurance contracts (pre-existing diseases, comfort medicine, or preventive). We, therefore, advise you to read the general conditions of the Cap Working Holiday contract before any subscription.
Chapka Assurances Assistance Guarantees
- Repatriation assistance 24/24 and 7/7: transport to your home in Real Costs;
- Early return in case of hospitalization/death of a family member: Ticket AR;
- The presence of a loved one in case of hospitalization: AR ticket and accommodation;
- Legal assistance €3,000 and criminal bail advance: €7,500;
- Assistance in the event of theft, loss, or destruction of identity documents or means of payment
Insurance guarantees under Cap Working Holiday
- Baggage insurance: refund in case of theft with burglary or assault up to €2,000 including during transport and the entire duration of your stay (conditional);
- Civil liability for personal injury abroad (max €4,000,000). Please note that this warranty is essential, but does not cover the driving of motor vehicles. So if you rent a vehicle, you have to insure yourself locally.
- Rental Civil Liability: 100,000 €.
The practice of activities and sports
You are also covered in many risky activities and sports, a positive point in our Chapka review. For example, you will be covered for hiking, horseback riding, diving up to 40 meters, mountain biking, surfing, and even kite surfing. Excluded are aerial or mechanical sports, ski jumping, mountaineering, rock climbing, caving, base jump, speed riding, motocross, skateboarding, extreme skiing, or martial arts.
What are the rates at Chapka Insurance?
It is possible to take out Cap Working Holiday insurance for a period of 3 to 12 months, but rates are degressive. The contract is renewable online, quickly and easily if you stay longer.
Thanks to our partnership with Chapka Assurances, you get a 5% discount on this formula. For example, when a 12-month subscription normally costs you €432, or €36 per month: with our offer, the cost is reduced to €410.40, or €34.20 per month.
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