100% service.
0% friction.
Travel medical assistance for your whole trip. Doctors and case managers 24/7, in Spanish and English.
- Doctor by video, WhatsApp, phone or text. Unlimited, free.
- Most claims paid in minutes. One photo. No forms.
- Flight-delay benefits with Blink Parametric. Check your plan terms.
- Doctor by video, WhatsApp, phone or text. Unlimited, free.
- Most claims paid in minutes. One photo. No forms.
- Flight-delay benefits with Blink Parametric. Check your plan terms.
Photo: Florence, Italy.
- Operated by MDabroad, since 2000
- 85,000+ providers in 150+ countries
- People 24/7: case managers, nurses, doctors
- Medical benefits insured by the insurer named in your voucher
- In the US: Aetna's network
Your whole trip in your pocket. A person on WhatsApp when you would rather talk.
A doctor in one tap. Any hour, free.
Video, WhatsApp, phone or text, unlimited on every plan, and nothing comes off your medical limit. Your voucher, your letters and nearby clinics on the same screen.
A photo of the receipt is the claim.
Send receipts on WhatsApp or here for review under your plan terms.
The hospital bills us. You pay nothing at the desk.
Message us before you go in: the clinic gets your Verification of Benefits and bills us. You see your limit, per traveler, always.
Real screens from the Pulsar app (My trip), with sample data. Telemedicine is for non-emergencies; prescriptions follow local law. In a hospital, contact us first, or within 24 hours if you cannot.
How to request reimbursement
Send your documents through the channels on your voucher. We review the claim under your plan terms.
Check your voucher for the flight delay benefits that apply to your trip.
The terms, eligibility and payout method depend on the product and issued voucher.
Every Pulsar plan has the same benefits. Only the medical limit changes.
Example: 10 days, one traveler aged 35.
On every plan
- Medical and hospital care for a sudden illness or accident, up to your limit
- Heart attack and stroke covered even with a history
- Doctor by video, WhatsApp, phone or text, unlimited and free
- People 24/7: case managers, nurses and doctors
- The hospital bills us at network hospitals and clinics
- Flight delay benefits according to the product and terms on your voucher
- Medical transfers and repatriation when our doctors decide it is needed
- Dental emergencies up to USD 2,500
- Baggage, lost passport, legal help after a traffic accident
See what happens when you need help, step by step, with the clause that decides it.
A big medical limit tells you little about the night you need it. Where our contract is stricter than you would like, we say so here, before you pay.
Every name behind your Pulsar voucher, and who you call if something goes wrong.
Read both contracts side by side, with the date we read them. Where theirs is better for you, we say so.
Pulsar vs Assist Card Clause by clause Pulsar vs Universal Assistance Clause by clause Pulsar vs ProtegeTuViaje Their promises and their contract Pulsar vs PAX Assistance Where theirs is better, too All comparisons, and how to report an errorWhere are you going? Pulsar starts at USD 2.60 a day.
Know how to reach us and make a claim.
- Contact us during your trip using the channels on your voucher.
- Before a planned visit, ask for a Verification of Benefits.
- For reimbursement, submit the documents required by your plan terms.
Your voucher and plan documents set the applicable benefits, timelines and conditions.
We are new. Our first reviews come from travelers like you.
No invented quotes, no borrowed ratings. After your trip we ask what you thought, good or bad, and publish it with the date and the platform. How reviews work.
Straight answers before you fly, checked by our doctors.
What people ask before they buy Pulsar.
Is Pulsar travel insurance?
Pulsar is travel medical assistance: a 24/7 service that arranges and pays for your care abroad. Its medical benefits are insured by the insurer named in your voucher email, and the assistance is operated by MDabroad. It does not replace your health plan at home (clause 1 b).
Do I pay anything at the hospital?
Not for covered care at a network hospital or clinic, once you have contacted us. We send you a Verification of Benefits and the clinic bills us. If you cannot contact us first, do it within 24 hours (clause 6 a).
How fast are claims paid?
Send photos of the receipts and the medical report to our WhatsApp. There is no form. Once your documents are complete, we approve and pay most claims in minutes, and never take more than 5 days. Send documents within 60 days of your voucher's end (clause 7 e).
">What flight delay benefits apply to my trip?
Check your voucher for the terms, eligibility and payout method that apply to your product.
Are pre-existing conditions covered?
An acute heart attack or stroke is covered on every plan, whatever your history (clause 42 iii). Other conditions that began before the trip are not, unless you add the pre-existing extra: USD 15,000 or 20,000 for acute episodes (clause 8 k).
What changes after 65?
From 65 your medical limit is 75 percent of the plan's, and the daily price is higher. You can buy Pulsar up to age 85. We show both before you pay.
Can I buy once I have left home?
No. Pulsar has to be bought before your trip starts (clause 3 c). If you already hold a voucher and want to stay longer, ask us before it ends: we can issue up to 30 more days, and treatment of anything that began under the first voucher does not continue (clause 43).
Can I cancel and get my money back?
Yes. Within 10 days of buying, if your trip has not started and you have not used any service, you get everything back (clause 4 c). After that, and until 3 business days before your cover starts, you get 80% back, or you move your dates with no change fee. Later than that, or once the trip has started, it cannot be cancelled or moved.
Your price in ten seconds. A person in sixty.
No email to see a price. Nothing added at checkout. Cancel within 10 days for a full refund before your trip.
Choose your medical limit. Everything else is the same on every plan.
Included in every plan
Whichever limit you choose. Amounts are per traveler.
- Medical and hospital care for a sudden illness or accident, up to your limit
- Heart attack and stroke covered even with a history
- Doctor by video, WhatsApp, phone or text, unlimited and free
- People 24/7: case managers, nurses and doctors
- The hospital bills us in the network
- Flight-delay benefits with Blink Parametric. Eligibility, advance flight registration and benefit conditions depend on your plan.
- Medical transfers and repatriation
- Dental emergencies up to USD 2,500
- Baggage, lost passport and legal help after a traffic accident
Optional extras
For listed causes such as your hospitalization or a death in the family. Price per traveler. Not available over 70.
Acute episodes of listed chronic conditions such as hypertension, diabetes and asthma. Price per traveler.
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Pulsar vs PAX Assistance.
The questions that matter when something goes wrong, answered from both contracts. Where theirs is better, we say so.
Report within 48 hours of the emergency; missing it can void the claim.
24 hours after it happens.
Reimbursement papers due within 60 days after the plan ends.
60 days after your trip ends.
Up to 5 days to ask for missing papers, 15 business days to decide, 15 business days to pay.
Check the issued Pulsar plan terms for claim timing.
Renewal needs their approval; if you used medical services they may refuse it.
Yes. Up to 30 more days, if we approve it.
Hospital costs continue up to 8 days after the plan ends, within the limit.
Hospital care continues until you are discharged.
Excluded except where the plan states a limit; acute episodes only, 12 months stable.
No, except heart attack and stroke. With the extra: up to USD 20,000.
Can be bought while abroad with a 3 day waiting period; new accidents covered at once.
No.
Other insurance or assistance must pay first; no clause voids service for claiming elsewhere.
No.
Not responsible for the professionals it designates.
No.
Prior approval needed for any action or expense; if contact was impossible, notify within 48 hours.
Yes, except in an emergency.
Full cancellation within 10 calendar days of online purchase; no cancellation once coverage starts.
Everything within 10 days of buying. After that, 80% back or free new dates until 3 business days before cover starts.
Source: Condiciones Generales PAX Assistance, July 2026 edition (PDF dated Jul 16, 2026), 39 pages, their document, read on Sep 30, 2026. Pulsar: general conditions, revision September 2025. Conditions vary by plan, country and edition; the one with your voucher counts. We compare contracts, not how either company treats customers. Pulsar is not affiliated with PAX Assistance. Found an error? Tell us on WhatsApp +1 (786) 414-1901.
What PAX Assistance promises on its site, and what its contract says.
| On their site | In their conditions |
|---|---|
| PAX CASH, the end of reimbursements: funds arrive instantly in your digital wallet source | Obligaciones del beneficiario 6 and Medicamentos Recetados (p. 7, 11): PAX Cash is used only when operationally possible and at PAX's sole discretion; receipts still required; the reimbursement process (60 day filing, 15 plus 15 business days) remains. |
| Cashless model: PAX pays clinics directly; you do not advance money or collect receipts source | Obligaciones del beneficiario 7 (p. 7) requires original receipts and medical information; no clause commits to direct payment in every case. |
| All PAX plans include assistance for pre-existing conditions, within the limit on your PAX ID source | Exclusiones 1 (p. 29) excludes pre-existing conditions; p. 10 covers them only where expressly indicated, acute episodes only, 12 months stable; the upgrade is not valid if bought while traveling. |
| No fine print, no surprises: what you buy is exactly what you get source | The general conditions run 39 pages and list 32 general exclusions (Exclusiones aplicables a todos los servicios y beneficios, p. 29 to 30). |
| The only travel assistance in the world with 24/7 emotional support in every plan source | Asistencia Psicológica (p. 12): 24 hour phone support after repatriation, death of a relative or natural catastrophe; not a substitute for a psychologist. Exclusión 9 excludes mental disorders. |
| Medical repatriation included with no sub-limit in the base plan source | Repatriación Sanitaria (p. 16) states no amount; Moneda de alcances y servicios (p. 9) says maximum limits are those shown on the voucher. |
| You can cancel free of charge before coverage starts source | Written terms give a 10 calendar day withdrawal right from purchase (Términos y Condiciones, Derecho de arrepentimiento); CG p. 3 bars cancellation after start. The FAQ is more generous than the written terms. |
| Can buy while already traveling, with a 72 hour waiting period source | Vigencia y validez, Carencia (p. 5): 3 day waiting period, accidents after purchase covered immediately. Consistent. |
| Travel assistance in 190 countries source | Validez geográfica (p. 6): worldwide except country of residence and of issue; Exclusión 30 excludes countries at war. The FAQ elsewhere says PAX operates in more than 110 countries. |
| Best rated in the market: 4.8 on Google, no other player reaches that score with that volume source | Not addressed in their conditions. |
| Up to 55% off and 12 interest-free installments source | Not addressed in their conditions. |
Ratings as shown on each platform, and what unhappy reviewers write about most.
Most frequent complaints in the reviews we read:
- Payments to hospitals or medical invoices pending for months
- Slow emergency response or poor coordination between facilities
- Coverage denied or support withdrawn during a case
Pulsar is new and has no public rating yet. After each trip we ask every traveler, and we publish what they say, good or bad. How our reviews work
Also worth knowing
- Trustpilot distribution: 85% five stars, 9% one star; profile claimed April 2022; Trustpilot's AI summary mentions praise for responsiveness but also inconsistent response times, denied claims and unsuitable facility referrals (es.trustpilot.com/review/paxassistance.com, seen 2026-09-30).
- The 4.8 Google rating claimed on the site could not be verified from a fetchable Google page; treat as the brand's own claim.
- Three versions of the general conditions are linked on the site: the footer links the July 2026 PDF, the checkout step links the September 2024 PDF, and a promotion in the Aviso Legal references the December 2025 PDF (paxassistance.com/ar page source; Aviso_Legal_Pax_Assistance.pdf).
- Disputes go exclusively to the courts of Doral, Florida (CG, Convenio de Competencia, p. 30), although the seller is an Argentine company.
- Written complaints about services must be made within 30 days after the plan ends (CG, Caducidad, p. 32), shorter than the 60 day window for reimbursement papers.
- The CG says the product is not insurance, even if offered through an insurer (Introducción, p. 3).
Want the long version? Pulsar or PAX Assistance: the full comparison, question by question, with every source
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