A newcomer to the competitive world of travel insurance, Yupwego is starting to make a name for itself. Its promise? A customized policy, designed by travelers for travelers, with top-notch customer service. But what’s the reality? Here’s our review of Yupwego, breaking down the pros and cons of their policies for your next trip.
Is Yupwego the right insurance for you?
In our opinion, Yupwego is an excellent insurance option for short-term stays (< 3 months)! It offers unbeatable rates, whether you’re traveling alone, as a couple, or with your family. We’d particularly recommend it in these two situations.
You’re going on a 15-day trip anywhere in the world (Canada and the United States included)
A major plus: the rate for a 15-day trip is the same regardless of your age, whether you’re 19 or 78! (Note that the maximum age limit for coverage with Yupwego is 85.) Also, the prices for short trips between 2 weeks and 1 month are very competitive while still providing you with the essentials: a high medical expense limit, 100% coverage of repatriation and hospitalization costs, and rock-solid liability coverage.
You’re traveling for 1 to 3 months around the world (Canada and the US included), and you’re under 31
For slightly longer trips (< 3 months), the base rate remains very attractive for the following coverage: high medical expense limits (+ €300 for emergency dental care), telemedicine available at any time, 100% coverage for repatriation and hospitalization costs ,baggage coverage for theft, loss, or delayed delivery, and high liability coverage.
You may already know this, but your credit card provides travel coverage! That said, it’s rarely sufficient on its own. We cover everything you need to know in our dedicated guide to Visa and Mastercard travel insurance.
Yupwego: who are they?
Yupwego is a French company founded in 2018 by travelers for travelers. This insurance broker works in partnership with six leading insurers (AXA, MGEN, Groupama, etc.).
Their goal is to offer you insurance that’s perfectly tailored to your needs, whether you’re taking a short trip, a long-term trip, or a round-the-world trip, or even a Working Holiday Visa (WHV). The company also places a strong emphasis on providing friendly, responsive customer service available in both French and English. Plus, it’s one of the only insurance companies that covers travelers over 65!
Getting a quote takes just two minutes on their website: simply enter the type of trip you’re planning, the countries you’ll be visiting, the total duration of the trip, and your age. Yupwego then suggests the most relevant insurance policies from its partners.
In short, Yupwego aims to modernize travel insurance through a user-friendly website, a simple sign-up process that takes just a few clicks, and attentive human support throughout the entire process.
What plans does Yupwego offer?
Yupwego’s partner plans vary based on your age, destination, and the nature and duration of your trip. Generally speaking, you’ll find the Ready To Go World Zen and Ready To Go International plans for short stays, Ready To Go Adventure and Ready To Go 365 for long-term trips, and Ready To Go EduTravel for Working Holiday Visas.
Tip: Yupwego is offering a 5% discount to Novo-monde readers ;).
Plans for short stays (15 days, 1 month)
Yupwego has solid options for short trips lasting less than one month.
Estimated prices for short stays
| Profile | 15 days | 1 month |
|---|---|---|
| Europe 🇪🇺 | ||
| Solo traveler under 61 | €26.70 | €43.68 |
| Solo traveler 61–85 | €26.70 | €64.20 |
| Couple under 31 | €42.27 | €59 |
| Couple aged 31–60 | From €85 | €59 |
| Couple over 60 | €42.27 | €128 |
| Family of 4 | From €85 | €180.68 |
| Worldwide (excluding Canada & USA) 🌎 | ||
| Solo traveler under 31 | €21.14 | €43.68 |
| Solo traveler 31–60 | From €42.27 | €55.68 |
| Solo traveler, ages 61–85 | From €26.70 | €90.34 |
| Couple under 31 | €42.27 | €87.36 |
| Couple aged 31–60 | €100 | €128.41 |
| Couple over 61 | €53.41 | €128.41 |
| Family of 4 | From €85 | From €174.73 |
| Canada & USA 🇨🇦🇺🇸 | ||
| Solo traveler under 31 | €21.14 | €43.68 |
| Solo traveler 31–60 | €42.61 | €79 |
| Solo traveler over 61 | €42.61 | €90.34 |
| Couple under 31 | €42.27 | €87.36 |
| Couple over 31 | €85 | €180.68 |
| Family of 4 | From €85 | €174.73 |
Note: Estimated rates for departures from mainland France.
Guarantees for short stays
| Warranty | For two weeks | For 1 month |
|---|---|---|
| Medical expenses (annual limit) | €300,000 or €500,000 (€30 deductible) | between €80,000 and €500,000 (€30 deductible) |
| Medical repatriation | 100% of actual expenses | 100% of actual expenses |
| Emergency dental costs | €300 | €300 |
| Telemedicine | ✅ Unlimited | ✅ Unlimited |
| Permanent disability benefit | ❌ Not included | €40,000 |
| Presence of a family member (hospital stay > 7 days) | Round-trip ticket + €80 per night (up to 10 nights) | Round-trip ticket + €200 per night (up to 10 nights) |
| Personal liability insurance | €4,500,000 (body damage) / €46,000 or €450,000 (property damage) (deductible: €75) | €4,500,000 (body damage) / €46,000 or €450,000 (property damage) (deductible: €150) |
| Rental civil liability | ❌ Not included | €10,000 |
| Baggage | ✅ €1,500 (€25 deductible) | ✅ €2,000 (€25 deductible) |
| Search and rescue costs | €10,000 | €5,000 |
| Legal assistance | €8,000 + €30,000 advance on the criminal bond | €3,000 + €7,500 advance on the criminal bond |
| Extreme sports | ❌ Not included | ❌ Not included |
⭐️ Our review for short stays
Honestly, for the price, you still get excellent coverage. If you’re on a budget and want to travel with peace of mind, the short-stay plans (Ready To Go International and Ready To Go World Zen) are definitely the way to go.
Plans for long-stays and RTW trips
Are you going away for an extended period? Let’s see what kind of coverage Yupwego offers.
Estimated prices for long-term stays and RTW trips
| Profile | Worldwide 🌎 (per month) |
|---|---|
| Solo traveler | €84.50 |
| Couple | €169 |
Coverage for long stays and trips around the world
| Warranty | Details |
|---|---|
| Medical expenses (annual limit) | €200,000 to €500,000 (€30 deductible) |
| Medical repatriation | 100% of actual expenses |
| Emergency dental costs | €153 |
| Teleconsultation | ✅ Unlimited |
| Presence of a family member (hospital stay of 7 days or more) | Round-trip ticket + €80 per night (up to 10 nights) |
| Search and rescue costs | €5,000 |
| Early return | Round-trip ticket |
| Liability Insurance | €4,500,000 (body damage) / €450,000 (property damage) (deductible: €150) |
| Legal assistance | €3,049 + €15,245 security deposit |
| Baggage | ❌ Not included; optional |
| Electronic equipment | ❌ Not covered |
| High-risk sports | ❌ Not included |
| Sign up after departure | ✅ Possible, 15-day waiting period |
⭐️ Our review for long stays and round-the-world trips
The Ready To Go Adventure, Ready To Go Adventure Max, and Ready To Go 365 plans seem well-suited for extended travel. Yupwego is one of the few insurers to offer flat-rate pricing regardless of age or destination. That said, we feel the coverage falls a little short in some areas. For example, the medical expense limit is a bit low for certain destinations, and luggage isn’t covered (and the add-on is expensive). In short, you can find better coverage with competitors like True Traveller or Chapka for those over 40.
Packages for Working Holiday Visas
Yupwego also has a dedicated plan for future Working Holiday Visa holders. But is it really worth it?
Estimated costs for WHV
| Profile | Worldwide 🌎 (per month) |
|---|---|
| Solo traveler | €37.70 |
| Couple | €75.40 |
Guarantees for WHV
| Warranty | Details |
|---|---|
| Medical expenses (annual limit) | €200,000 to €500,000, no deductible |
| Medical repatriation | 100% of actual expenses |
| Emergency dental costs | €300 |
| Maternity costs | ❌ Not included (except for €7,500 in Argentina and Brazil) |
| Telemedicine | ✅ Unlimited |
| Presence of a family member (hospital stay of 7 days or more) | Round-trip ticket + €100 per night (up to 10 nights) |
| Medical expenses in home country | ✅ €20,000 (€35 deductible) for 30 consecutive days |
| Search and rescue costs | €5,000 |
| Early return | Round-trip ticket |
| Liability insurance | €4,500,000 (body damage) / €450,000 (property damage) (deductible: €150) |
| Legal assistance | €8,000 + €30,000 security deposit |
| Baggage | ✅ €2,000 (€25 deductible) |
| Electronic equipment | €250 (€25 deductible) |
| Extreme sports | ❌ Not included |
⭐️ Our review of the Working Holiday Visa plan
The Ready To Go EduTravel plan covers you in all countries that have signed a Working Holiday agreement. Unlike other policies, there is no deductible for medical expenses. However, it doesn’t offer the best value for money… Yupwego’s WHV plan is among the priciest on the market, yet its coverage falls short of what competitors provide. We would tend to recommend ACS or AVI instead.
Our review of Yupwego complements our dedicated guides. In it, we compare the best travel health insurance plans on the market to help you make the right choice.
What are the key exclusions to consider?
Like its competitors, Yupwego’s insurance policies contain numerous exclusions. To avoid unpleasant surprises in the event of a problem, you should be aware of the situations in which you won’t be covered before signing up for any plan! Here are Yupwego’s exclusions:
- pre-existing conditions: any medical conditions present before the trip;
- costs related to eyeglasses and contact lenses;
- pregnancy (except for WHV holders in Argentina and Brazil);
- extreme sports (mountaineering, rock climbing, paragliding, skydiving, bungee jumping, horseback riding, scuba diving, combat sports, etc.);
- Damage to rental vehicles: to be covered, you must purchase supplemental auto insurance. This is often included with your credit card or can be purchased directly from the rental agency.
What do travelers say?
Yupwego is very popular with travelers, particularly for its competitive pricing, easy sign-up process, human touch, and responsiveness when something goes wrong. On Trustpilot, they hold a 4.5/ rating from over 300 reviews, and 4.1/5 on Google Maps based on 48 reviews. In short, it’s solid overall!
One common complaint is the time it takes to receive a refund… This can vary depending on the partner, ranging from a few weeks to several months.
Yupwego: FAQ
How do I sign up for Yupwego?
With Yupwego, signing up takes just a few minutes. Visit the company’s website, select your trip type, home country, destinations, departure and return dates, number of travelers, and their ages. Yupwego will then recommend the plan that best fits your situation, along with the full terms and conditions. At this point, you can customize your policy by adding options such as trip cancellation insurance or higher medical coverage limits. Then, just fill in your personal information (name, address, date of birth, etc.) to reach the summary and payment page.
Don’t forget that you get a 5% discount when you use our links ;).
Is there a waiting period?
Most Yupwego plans have no waiting period; coverage kicks in on the start date you select, once payment is confirmed. A few specific plans do have a 15-day waiting period, so always check the fine print.
For cancellation insurance in particular, this is often an optional feature, and you must purchase it no later than 48 hours (business days) after purchasing your first travel-related services (flights, accommodation bookings, etc.). Otherwise, the cancellation coverage will not be valid.
Is there a promo code?
There are no promo codes for Yupwego. However, if you click through the links in this article, you’ll get a 5% discount ;).
Yupwego or Chapka?
Chapka is another popular travel insurance provider that also offers competitive rates. So, should you pick Yupwego or Chapka? It really depends on the type of trip you’re taking and the coverage that matters most to you.
For short stays under 3 months
To be honest, Yupwego is cheaper than Chapka… But with Chapka, unlike Yupwego, there’s no deductible for short trips. Plus, the luggage coverage is better; you’re covered for home-related expenses following repatriation, rental liability, and permanent disability benefits.
Also, depending on your destination, the maximum coverage for medical expenses varies with Chapka.
- Heading to Europe? Chapka provides coverage of up to €100,000 in medical expenses, starting at €51 per person for a two-week trip (or €97 for a one-month trip).
- Traveling anywhere in the world (except Canada and the United States): €500,000 in medical coverage, starting at €64 per person for 2 weeks (starting at €130 for 1 month).
- If you’re traveling to Canada or the United States: $1 million in medical coverage, starting at €75 for 15 days (starting at €157 for 1 month).
⭐️ Our review: Yupwego is significantly cheaper than Chapka and offers solid coverage, especially for worldwide trips. If you’re traveling to Europe, we recommend getting coverage from Yupwego. Heading somewhere else? In that case, Chapka is perfect for you if you want the absolute best coverage. If you just want basic coverage with good limits at a low price, go with Yupwego ;).
For long-term stays and round-the-world trips (> 3 months)
In our opinion, Chapka has the edge over Yupwego when it comes to long trips.
| Pros ✅ | Cons ❌ |
| Lower price for people under 50 | More limited personal liability coverage for USA and Canada trips (€1.5 million) |
| No deductible for medical expenses (except in the US and Canada) | Lower medical expense limits for Argentina, Australia, New Zealand, China, South Korea, Japan, Hong Kong, Singapore, and Taiwan |
| Higher medical expense limit for the US and Canada (€1M) | |
| Permanent disability benefit (up to €50,000) | |
| Baggage coverage (€2,000, €1,000 for valuables) | |
| Coverage up to 24 months |
⭐️ Our review: First of all, if you’re under 50, Chapka’s rates (between €64 and €70 per month) are still more competitive than Yupwego’s, where the rate is fixed at €84 per month regardless of your age. Between 50 and 70, Chapka is slightly more expensive than Yupwego (especially for those over 60). Also, as you can see in the table, Chapka’s medical coverage varies depending on the destination. Overall, we would recommend Chapka over Yupwego, especially for the United States and Canada, as well as for classic round-the-world destinations like Southeast Asia and South America.
For Working Holiday Visa holders
The price is the same (give or take 2 euros!) for the two companies for a one-year WHV abroad. The only difference is that Chapka has no deductible. In addition, pregnancy is covered (except in Canada), dental and vision care are better covered, and rental liability is included.
⭐️ Our take: Chapka offers a few extra benefits when it comes to health insurance, even though the price is the same… In short, it’s no surprise that we recommend Chapka Cap Working Holiday plan over Yupwego for a WHV!
For digital nomads
There’s no question about it! Unfortunately, Yupwego doesn’t have much to offer digital nomads. We recommend the Chapka Cap Tempo Expat plan, which is well-suited for nomadic workers.
Conclusion: Is Yupwego the best travel insurance?
Yupwego is definitely the best travel insurance if you’re going abroad for two weeks or if you’re under 31. The coverage is really solid at competitive prices. In other cases, our opinion is a bit more nuanced.
If you’re planning a trip around the world, we recommend True Traveller. The prices are lower for higher coverage limits.
Are you planning a Working Holiday? If so, the perfect plan for you is Chapka’s Cap Working Holiday, mentioned above. If you’re heading to Canada, ACS’s Globe PVT plan offers even more comprehensive coverage!
If the digital nomad lifestyle appeals to you, then True Traveller, ACS, or Heymondo are the right choices for you.
We hope our review of Yupwego will help you choose the best plan for your needs!
Do you have any feedback? Leave us a comment, we’ll be happy to respond :).
This article contains affiliate links to partner sites. When you use our links to book accommodation, a car, or an activity, you don’t pay anything extra, but we get a small commission. This helps us to offer you free, independent, and ad-free content. Thank you for your support!
Pin this post
