01 · Visa and Mastercard
Classic
Visa Classic, Visa Electron, Mastercard Standard
- Medical expenses abroad
- €11,000
- Trip cancellation
- Not covered
- Baggage
- Not covered
- Liability abroad
- Not covered
Medical threshold met forNone of the 69 destinations
Travel insurance · Weekly comparison
Every bank card includes travel insurance, but ceilings range from €11,000 to over a million depending on the tier. Pick your card and your destination: in a minute you will know what is covered, what is missing, and whether a top-up is worth it.
Three picks, no personal data: your bank, your card and your destination.
Country of residence
Coverage depends on the country where the card was issued.
Result
Your statement will appear here
Medical, cancellation, baggage and liability ceilings, side by side with the amounts recommended for the destination.
Visamundi is a private travel-formalities agency, unaffiliated with any government or insurer. Coverage data comes from HelloSafe, our comparison partner, for a generic card tier profile: your bank's exact contract may differ, always check your policy. Links to HelloSafe are partner links.
Card tiers
Ceilings depend on the tier, not on the bank nor the destination. Visa and Mastercard align theirs. Figures for a card issued in France.
01 · Visa and Mastercard
Visa Classic, Visa Electron, Mastercard Standard
Medical threshold met forNone of the 69 destinations
02 · Visa and Mastercard
Visa Premier, Gold Mastercard, Visa Signature
Medical threshold met for67 destinations out of 69
03 · Visa and Mastercard
Visa Infinite, Visa Platinum, Mastercard Platinum
Medical threshold met for67 destinations out of 69
04 · Visa and Mastercard
Mastercard World Elite, Visa Infinite Privilege
Medical threshold met for67 destinations out of 69
Destination by destination
Ceilings do not change with the destination, but the required level does. Here is what it means for the fifteen most requested destinations, grouped by conclusion.
Albania
Angola
Armenia
Azerbaijan
Benin
Brazil
Cambodia
Cameroon
Cape Verde
Chad
China
Djibouti
Dominican Republic
Egypt
Equatorial Guinea
Ethiopia
Ghana
Grenada
Guinea
India
Indonesia
Ivory Coast
Jordan
Kenya
Kyrgyzstan
Laos
Libya
Madagascar
Malawi
Malaysia
Mauritania
Mongolia
Morocco
Mozambique
Myanmar
Namibia
Nepal
Nigeria
Papua New Guinea
Philippines
Russia
Rwanda
Seychelles
Sierra Leone
Sint Maarten
South Korea
Sri Lanka
Tanzania
Thailand
Togo
Trinidad and Tobago
Uganda
Uzbekistan
Vietnam
ZambiaEuropean health insurance card accepted
Four dots per group, one tier each, from Classic to World Elite. Generic HelloSafe profiles, card issued in France; residents of the United States and Canada should use the checker above.
Understand
Insurance tied to payment
Card guarantees only apply if the trip was paid with the card, in full for cancellation. A ticket paid with another card or in cash is not covered.
Four guarantees to look at
Medical expenses and hospitalisation, cancellation, baggage, liability. Ceilings differ a hundredfold between a classic and a premium card. The medical ceiling is what decides.
When the card is not enough
Destinations with expensive healthcare (North America, Asia, Oceania), stays over 90 days, risky sports, travellers over 65 or with a known condition: in those cases the card is a base, not full protection.
A visa may require it
Some destinations require travel insurance with a minimum ceiling to issue the visa or at arrival. Your card's check does not replace that certificate: see the destination page.
Method
Ceilings come from HelloSafe, an insurance comparison service that maintains bank card conditions by issuing country. We reproduce them unchanged.
The comparison uses the generic profile of each tier (Visa Classic, Gold, Infinite, World Elite and their Mastercard equivalents), not a specific bank's contract. The wizard maps your card to its tier.
Insufficient if the medical ceiling is under €150,000 (€300,000 for North America, €30,000 within Europe where the European health card applies). Partial if medical care passes but cancellation or baggage is missing, or if the ceiling stays below HelloSafe's target for the cost of care at the destination (from €30,000 in Europe to €500,000 in the United States). Sufficient otherwise.
Thresholds: EU · world · USA/Canada
Data is refreshed weekly. The date shown is that of the oldest row in the table: an empty cell beats a stale figure.
Yes, all Visa and Mastercard cards include travel assistance and insurance, provided the trip was paid with the card. Ceilings range from a few thousand euros for a classic card to a million for some premium cards.
Assistance (repatriation, emergency medical costs) is included on almost every card and applies even if the trip was not paid with it. Insurance (cancellation, baggage, interruption) is only triggered by paying with the card, usually in full.
Most often 90 consecutive days abroad. For a longer stay, dedicated insurance is needed from day one, not only beyond the 90 days.
For some destinations, yes: a certificate with a minimum medical ceiling is required with the visa application or at the border. Your card's check is not such a certificate. See the destination page on Visamundi.
No: they are the ceilings of the tier's generic profile, provided by HelloSafe. They give the order of magnitude. Your insurance policy prevails, and some online banks offer higher ceilings than their tier's average.
No. Visamundi is a private travel-formalities agency. Links to HelloSafe are partner links: if you buy insurance through their comparison, Visamundi may earn a commission, at no extra cost to you.
