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 Universal Assistance.
The questions that matter when something goes wrong, answered from both contracts. Where theirs is better, we say so.
Call before any expense; if impossible, contact them within 24 hours of the event.
24 hours after it happens.
Without prior approval they may deny the claim or pay up to what their network would have cost.
We may refuse, or pay what our network would have cost.
60 calendar days after the service or trip ends, whichever comes first.
60 days after your trip ends.
They aim to resolve within 45 days of receiving complete documents.
Check the issued Pulsar plan terms for claim timing.
New voucher possible if requested before expiry, up to 30 days, at their discretion; not for earlier problems.
Yes. Up to 30 more days, if we approve it.
A covered hospital stay continues after the voucher ends until discharge or the limit is used.
Hospital care continues until you are discharged.
Excluded except acute heart attack and stroke; some vouchers add a pre-existing amount shown on the voucher.
No, except heart attack and stroke. With the extra: up to USD 20,000.
Must be bought before the trip starts, except receptive products bought on arrival.
No.
No service or reimbursement if you also claimed the same problem with another company.
No.
Doctors and providers they designate are treated as your agents, with no recourse against them.
No.
All services must be requested by phone and approved in advance.
Yes, except in an emergency.
Cancellation within 10 calendar days of issue if cover has not started; no later option stated.
Everything within 10 days of buying. After that, 80% back or free new dates until 3 business days before cover starts.
Source: General Conditions CCGGs_Retail_LA_v40 SINGLE TRIP, October 2025, 43 pages (Spanish), 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 Universal Assistance. Found an error? Tell us on WhatsApp +1 (786) 414-1901.
What Universal Assistance promises on its site, and what its contract says.
| On their site | In their conditions |
|---|---|
| Up to 12 interest-free installments; 15% off paying in one installment. source | Not addressed in their conditions. |
| Up to 50% off (35% to 50% by product) for issues from 24/08/2026 to 30/09/2026; Chile site also shows up to 50% OFF. source | Not addressed in their conditions. |
| Whatever it costs, any medical emergency on your trip costs you zero. source | Medical care is capped by the limit on the voucher table (1) d), 9) m)); a per-event deductible may apply (53)); pre-existing conditions are excluded except heart attack and stroke (8), 51) iii)). |
| Help center: reimbursement requests are evaluated and resolved within up to 30 business days of complete documents. source | Clause 7) l): they aim to resolve within 45 days of receiving complete documents (a best-efforts target, not a firm deadline). |
| Help center: you can start cancellation online before your cover starts. source | Clause 4) d): cancellation within 10 calendar days of issue, only if cover has not started and no service was used. |
| Talk to a doctor online (telemedicine). source | Clause 9) b): telemedicine may be coordinated depending on the case; prescriptions depend on the country and controlled drugs need an in-person visit. |
| Online reimbursement management. source | Clause 7) k): requests go through the app or website, or at offices by appointment. Consistent. |
Ratings as shown on each platform, and what unhappy reviewers write about most.
Most frequent complaints in the reviews we read:
- could not see a family member's coverage in the app
- notifications unrelated to travel assistance
Most frequent complaints in the reviews we read:
- flight delay claim declined because the cause was a strike
- reimbursements taking weeks
- automatic renewal and cancellation of a subscription
- support reachable only by email
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
- The PDF URL is live and was confirmed with WebFetch on 2026-09-30 (same title v40 and same clause 7 l text); direct download returned HTTP 403, so full-text search used the copy of the same URL saved on 2026-09-28 (data/competitors/sources/universal-assistance-2026-09-28.pdf).
- Limits, deductible, age limits and optional benefits sit on the voucher table, not in the general conditions (1) f) viii), 61)).
- It states it is not insurance (1) b)). Some products include accidental death insurance with an insurer (50)).
- Cruise passengers may open a case up to the fifth calendar day after cover ends (6) a)).
- Reimbursements are paid in local currency at the official rate of the day before payment (7) h)).
- Home page counters (cases, calls, people, providers) rendered without units in the fetched page, so they are not reported here (universal-assistance.com/ar and /cl, 2026-09-30).
Want the long version? Pulsar or Universal Assistance: the full comparison, question by question, with every source
Your price in ten seconds.
No email to see a price. Nothing added at checkout.