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.
Your voucher is recorded.
Your voucher details are below. Save our WhatsApp number: it is the fastest way to reach us.
We are checking your payment and voucher.
Please do not pay again. Keep this page open and check again shortly.
Pulsar vs ProtegeTuViaje.
The questions that matter when something goes wrong, answered from both contracts. Where theirs is better, we say so.
Report within 24 hours of the event, or lose the right to claim; life-threatening cases as soon as possible.
24 hours after it happens.
Emergency care without prior contact is paid only up to what their preferred network would have cost.
We may refuse, or pay what our network would have cost.
Reimbursement papers due within 30 calendar days of discharge or of the event.
60 days after your trip ends.
Up to 5 days to ask for missing papers, 5 business days to decide, 10 business days to pay.
Check the issued Pulsar plan terms for claim timing.
Renewal is at their discretion and not allowed if you used any service; 365 days maximum.
Yes. Up to 30 more days, if we approve it.
Hospital costs continue up to 8 days after the voucher ends, within the limit.
Hospital care continues until you are discharged.
Excluded unless the plan or an upgrade includes it; acute episodes only, never above USD 30,000.
No, except heart attack and stroke. With the extra: up to USD 20,000.
Can be bought while abroad; a waiting period applies and proof of travel may be requested.
No.
No service or refund if you requested help for the same problem from any other company.
No.
Not responsible for the doctors and providers it designates.
No.
Prior approval needed for any expense, except immediate life-threatening situations.
Yes, except in an emergency.
Before start, depends on the flexibility option bought; 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, web page, last updated Aug 18, 2026, sections I to XVII, 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 ProtegeTuViaje. Found an error? Tell us on WhatsApp +1 (786) 414-1901.
What ProtegeTuViaje promises on its site, and what its contract says.
| On their site | In their conditions |
|---|---|
| Reimbursements in record time source | VII.3: traveler must file within 30 calendar days; up to 5 days to request missing papers, 5 business days to decide, 10 business days to pay. No faster commitment is stated. |
| FelizDemora: we cover delayed flights without you sending documents; automatic compensation, no claims source | IX, FelizDemora: flights must be registered at least 24 hours before departure; pays after 6 hours of delay; fixed USD 100 to 200 by plan; excluded for force majeure, pandemics, airspace closures, government restrictions, cyberattacks. |
| Get immediate compensation for cancellation, flight delay or baggage loss source | IX, Pago complementario por extravío de equipaje: paid only after the airline has compensated the traveler, as a top-up, and only in the country of purchase. |
| No deductible: all plans are free of deductible, franchise or extra payments source | IX, Medicamentos recetados: medical or pharmacy expenses totaling under USD 9 are not covered; only the generic drug is paid unless the doctor justifies the brand. |
| The most reliable and complete international travel insurance source | I, Naturaleza del producto: the service is not an insurance contract or policy and PROTEGE TU VIAJE S.A does not act as an insurer; obligation is of means, not result. |
| Backed by the best solvency and strength source | I and XVI: provider is PROTEGE TU VIAJE S.A., a Panama company, not an insurer; XII allows it to assign service delivery to third parties without notice. |
| Cover for pre-existing conditions or conditions that began during the trip, depending on plan source | XI.1 excludes pre-existing and chronic conditions; X covers acute episodes only where plan or upgrade includes it, max USD 30,000, stable 12 months, age up to 74. |
| 24/7 assistance, any day, any time source | V lists the central's phone numbers but does not state its hours; IX states the concierge service runs 24 hours, 365 days. |
| The only requirement is to contact the emergency central immediately source | VI and VII.3 add further conditions: prior authorization, 24 hour notice, original receipts, full medical history and 30 day filing, each with loss of rights if missed. |
| Full refund of the purchase within 10 business days if paid by card or transfer source | III: pre-start cancellations follow the flexibility option bought; fixed rate includes no voluntary cancellation beyond non-waivable legal rights; none after start. |
| Up to 60% discount; extra 10% via WhatsApp; 10% OFF exit offer source | Not addressed in their conditions. |
| We make sure the price you get is the best price for your trip's peace of mind source | Not addressed in their conditions. |
| Care worldwide, service in 208 countries source | IV excludes the country of residence and of issue; XI.30 excludes countries at war, naming Afghanistan, Iraq, Sudan, Somalia and North Korea. |
| 4.8 on Trustpilot, 9,500+ reviews 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:
- Reimbursement requests slow or unanswered for months
- Flight delay (FelizDemora) compensation denied or given conflicting answers
- Medical or baggage claims not covered as the buyer expected
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
- Distribution on Trustpilot: 90% five stars, 4% one star; profile claimed July 2019 with paid subscription; replies to 94% of negative reviews (es.trustpilot.com/review/protegetuviaje.com, seen 2026-09-30).
- Trustpilot's own AI summary of 3,034 recent reviews praises staff and prices but notes serious problems with lack of response to claims and reimbursements (es.trustpilot.com/review/protegetuviaje.com?page=5).
- No third-party assistance operator is named anywhere in the conditions or site; the conditions name PROTEGE TU VIAJE S.A. as the operator of the central and a designated telemedicine service, and section XII lets it assign delivery to third parties without notice.
- Governing forum is the courts of Panama, legal domicile of PROTEGE TU VIAJE S.A. (XI, Convenio de Competencia); the site footer says the company is headquartered in Santiago de Chile.
- If the medical team recommends repatriation, the traveler has 24 hours to accept; refusal or silence suspends all benefits for the case (IX, repatriación conditions a to e).
- The general sports exclusion (XI.7) lists common activities such as basketball, volleyball, cycling, athletics and skiing, while IX separately offers an amateur sports benefit; buyers who play sports should read both.
Want the long version? Pulsar or ProtegeTuViaje: the full comparison, question by question, with every source
Your price in ten seconds.
No email to see a price. Nothing added at checkout.