Chapka Seguros review

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

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Our verdict

Chapka Seguros is a broker selling travel cover aimed at expats, and its entry premium of €5.70 sits below what most of the market charges. It suits adults and expats who want a trip policy with a generous medical limit and claims you can start online.

Key facts

Best for
Expats buying a trip policy with a low entry premium and no excess.
Premium from
€5.70 (Source, checked September 26, 2026)
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
Up to EUR 5,000,000 medical expenses and hospitalisation (Cap Trip Plus) (Source, checked September 26, 2026)
Claims channels
Phone, Email, Mobile-app, Online-claim-form (Source, checked September 26, 2026)
Age range
18+ to purchase, no upper age limit (Source, checked September 26, 2026)
Legal entity
Aon France (SAS), trading as Chapka Assurances (Source, checked September 26, 2026)
Headquarters
France (Source, checked September 26, 2026)
Founded
2002 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Expats
Official website
chapkadirect.es

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • Cap Trip Plus is the plan that holds the medical expenses and hospitalisation ceiling.
  • Claims run on phone, email and mobile app, so a claim can start in the app or on the online form.
  • Purchase stays open at any adult age, since 18+ to purchase, no upper age limit has no upper limit.

Cons

  • Cover sits in a single line, travel, so there is nothing outside trips to add to it.
  • Support runs on email, phone and help centre only, with no live chat or branch listed.
  • The entry premium of €5.70 buys the basic trip cover, since the medical ceiling sits on Cap Trip Plus.
Chapka Seguros

Ready to try Chapka Seguros?

Scored 9.1 / 10 by AssureCue.

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Who it suits

  • Expats heading abroad, since expats is the audience it serves.
  • Travellers of any adult age, because 18+ to purchase, no upper age limit sets no upper limit.
  • People who prefer starting claims themselves, since phone, email and mobile app includes an app and an online form.

Who should look elsewhere

  • Anyone wanting home, auto or pet cover in the same place: Good Sam Insurance Agency lists auto, home and renters.
  • Price-first shoppers who will pay nothing upfront: bonus.ch quotes premiums of CHF 0.
  • Buyers used to another currency: Euroasia Insurance quotes premiums of UZS 60,000 in tenge.

Safety and regulation

Chapka Seguros sits in the market as a broker, so the policy is placed through an intermediary rather than written by the brand itself. That intermediary is listed on the French register of insurance and reinsurance intermediaries, 07001560, which is the line to check before you pay. Broker status also means the cover comes from an insurer's policy behind that intermediary.

Who runs it

Chapka Seguros is the trading name of Aon France (SAS), trading as Chapka Assurances, a French company trading since 2002 and listed under FR. Support runs on email, phone and help centre, which covers email, phone and a help centre. The intermediary register entry, 07001560, attaches to that same company, so the name on your documents and the register line up.

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 cover cost from Chapka Seguros?+

Entry premiums are €5.70, below the site median of €8.37 and close to the lower quartile of €2.92. The excess starts at €0, and the Cap Trip Plus plan holds the medical expenses and hospitalisation ceiling.

How does that entry price compare with other travel brands?+

Entry premiums of €5.70 also sit below the travel ranking median of €7.93. Entry prices across the site start at €0, so a low headline is normal here and the medical ceiling matters more than the starting figure.

Is Chapka Seguros properly regulated?+

Chapka Seguros works as a broker, so the policy is placed through an intermediary rather than written by the brand itself. That intermediary is listed on the French register of insurance and reinsurance intermediaries under 07001560, which is the entry to check before you pay.

How do I make a claim after a trip?+

Claims run on phone, email and mobile app, so a claim can start in the mobile app, on an online claim form, by email or by phone. Pick whichever suits you at the time, and the Cap Trip Plus plan sets how far medical expenses and hospitalisation are covered.

Who can buy this cover?+

expats sit at the centre of who it sells to, and 18+ to purchase, no upper age limit means there is no upper age limit once you are an adult. It suits people planning a trip abroad who want one policy, one intermediary and one claim form.

What does the policy actually cover?+

The range is travel cover, so trips are the only line. The Cap Trip Plus plan carries the medical expenses and hospitalisation ceiling, and the excess starts at €0, which keeps small medical bills from coming out of your pocket.

How do I get help before I buy?+

Support runs on email, phone and help centre, so you can email, call or use the help centre. There is no live chat listed, which suits people who would rather read an answer in their own time or pick up the phone and speak to someone.

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 buying a trip policy with a low entry premium and no excess.

9.1/10See alternatives

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