Discover in this guide how to find cheaper travel insurance in each destination, national or international. Write down our tips and travel peacefully without spending too much.
When we talk about cheap travel insurance, it makes my stomach sick to fall for the old saying “cheap is expensive”, doesn't it? In fact, attention and care is needed not to fall into this hole. So, we created this specific content to guide you where to buy and how to find a worthwhile insurance.
O international travel insurance essential on any trip, especially to destinations such as Europe e United States. That's why we've separated good tips for you to be able to buy travel insurance that fits your budget and also meets your traveler profile.
See below the best insurance for the main destinations in the world and write down all the tips to buy good and cheap insurance!
In this post you will see:
- What are the types of travel insurance?
- How to choose cheap travel insurance
- Learn how to compare travel insurance
- Discount coupon for even cheaper travel insurance
- How much does travel insurance cost
- Is travel insurance mandatory?
- Insurance quotes in the main world destinations
- What are travel insurance coverages?
- How does travel insurance work?
- How to activate travel insurance
- Frequently Asked Questions
What are the types of travel insurance?
There are insurances for the most varied styles of travel. Below we've listed the most common types, and you can read more about them in our in-depth guides that better describe the particulars of each.
- international travel insurance
- national travel insurance
- Maternity travel insurance
- cruise travel insurance
- Multi trip travel insurance
- Multi-destination travel insurance
- annual travel insurance
- interchange travel insurance
- student travel insurance
Check out all the cheap travel insurance options.
How to choose cheap travel insurance
Now is the time to understand a little about the features you need to pay attention to before taking out cheap travel insurance. First, put the cities you are going to visit at the tip of the pencil. Go over the itinerary in your head, and try to think of all the details that can become eventualities on the trip:
- What activities will you practice?
- Are extreme sports (surfing, skydiving, diving, etc) part of the itinerary?
- Are you – or have the chance – to be pregnant?
- Is there a risk that the trip will be canceled for some reason?
- Do you want coverage if your luggage is lost?
- How old are you? Some plans only cover seniors up to 70 years old
- Is your trip long term?
- Are you going to do an exchange?
After this analysis, compare the plans of each insurer and analyze the covered amounts for each item. You can compare up to 4 plans at the same time in online comparator, and the site even highlights the most cost-effective plans.
Check out all the cheap travel insurance options.
Learn how to compare travel insurance
To help you with this step, it is worth using a good travel insurance comparator. We indicate the Promo insurance, the site is very practical and fast, and the best: super reliable.
Right on the home page, select the continent of destination, enter the departure and arrival dates, fill in your name, your email, your telephone number and click on “search travel insurance".
You will be directed to a list of available insurance for the destination. To use the comparator, choose from two to four plans and select the option “compare plan“. Then click on the “compare“ on the lower right side of the screen. Ready! Now you can see the advantages of each insurance side by side to make a decision and finalize the purchase.
Discount coupon for even cheaper travel insurance
Better than being covered against possible emergencies during the trip, it is better to hire insurance at the best price on the market. For this, Travel Tips readers can use the coupon FORTRAVELOVERS and guarantee 5% off the final price. Too much, huh?
Oh, and there is an additional 5% discount for those who pay with boleto, pix or transfer, and these discounts are cumulative. That is, you can guarantee savings of up to 10% when purchasing your cheap travel insurance. Also remembering that the purchase of insurance can be paid in up to 12 installments, making payment as easy as possible.
- Click to redeem coupon FORTRAVELOVERS and get 5% off
- Pay by boleto, Pix or wire transfer to earn an extra 5% and reach the 10% off!
How much does travel insurance cost
It is possible to buy good travel insurance for prices from R$ 6 to 10 per day. You can even use a online insurance comparator to check available plans.
The value may vary depending on the person who hires the service or the activities you intend to do at the destination. For example, an elderly person will have travel insurance a little more expensive than a 20-year-old, and an athlete who practices extreme sports will also have a plan with a slightly higher value.
Check out all the cheap travel insurance options.
Is travel insurance mandatory?
When thinking about which cheap travel insurance to buy, you need to know whether or not insurance is mandatory in the destination in question. This is because some countries have specific rules on purchasing travel insurance.
For example, if you travel to any of the countries in Europe that are part of Schengen Treaty, you will be required to take out travel insurance with medical coverage of at least 30 euros. Otherwise, you will have problems right away at immigration and, probably, you won't even be able to enter the country.
And there are other countries that also require travel insurance. as is the case of Cuba, Argentina, Australia and Venezuela. That's why it's important to check the requirements of each country.
Already travel insurance for the United States it is not mandatory and does not require a minimum coverage amount. But remember that in the event of an unforeseen event where there is no travel insurance, the medical bill to pay can be quite high.
The USA is one of the most expensive destinations in terms of medical and hospital care, that is: the loss would be much more expensive than the investment in insurance. And the same applies to other nations that do not require insurance, such as Chile or South Africa.
Therefore, be smart when choosing the cheapest travel insurance and in case of doubt about your destination, always consult the Itamaraty, where all information is available and updated.
Insurance quotes in the main world destinations
We've put together a quick list of the best cheap travel insurance from each of the world's top destinations.
And if you're curious to know more, just click on the section title to learn more about the requirements and rules of each destination.
national travel insurance
Travel insurance in España is also essential because, in addition to providing medical and hospital coverage throughout the day of the tour, it also provides coverage for other situations, such as medical return, insurance for lost luggage, legal assistance, theft insurance, among others.
| Plano | Total hospital medical expenses | value per day |
|---|---|---|
| SS30 Spain | R $ 30 thousand | R$ 6,15 |
| Coris 15 Basic Spain | R $ 15 thousand | R$ 6,24 |
| AC 15 Spain + Covid19 | R $ 15 thousand | R$ 6,53 |
| Receptive Affinity 30 Spain | R $ 18 thousand | R$ 8,20 |
Check out all national travel insurance options.
Europe travel insurance
Remember, as we have already explained, choosing cheap travel insurance for Europe requires attention. This is because many European countries are part of the Schengen Treaty and require a minimum coverage of 30 thousand euros. Pay extra attention to insurers that offer their coverage in US dollars.
| Plano | Total hospital medical expenses | value per day |
|---|---|---|
| ITA 40 Smart World (Except USA) | USD 40 million | R$ 13,93 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Intermac Euro 40 Inter | EUR 40 thousand | R$ 23,35 |
| AC 35 Europe | EUR 35 thousand | R$ 23,53 |
Check out all Europe travel insurance options.
Travel Insurance USA and North America
For your trip to the United States, care must be taken in choosing the values of medical and hospital coverage. Despite not having a minimum value, the country is famous for the very high costs of medical care.
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 40 Smart USA | USD 40 million | R$ 14,52 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Intermac I30 USA | USD 30 million | R$ 22,24 |
| AC 35 USA *with Deductible | USD 35 million | R$ 22,55 |
Check out all USA travel insurance options.
South and Central America travel insurance
Be sure to travel to South and Central America without travel insurance. There are great cheap travel insurance plans for you to travel with greater peace of mind.
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 15 Latin America | USD 15 million | R$ 10,85 |
| Intermac I15 Latin America | USD 15 million | R$ 14,82 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Affinity 15 | USD 15 million | R$ 20,77 |
Check all travel insurance options.
Africa travel insurance
With no minimum coverage rules, travel insurance for Africa is essential to guarantee minimum protection and avoid headaches.
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 40 Smart World (Except USA) | USD 40 million | R$ 13,93 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| AC 35 World (Except USA) | USD 35 million | R$ 24,60 |
| TC 40 World (Except USA) | USD 40 million | R$ 28,08 |
Check out all Africa travel insurance options.
Asia travel insurance
Asia is known for the wealth of very exotic cuisine. To take advantage of these discoveries with peace of mind, be sure to take out travel insurance.
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 40 Smart World (Except USA) | USD 40 million | R$ 13,93 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Intermac I30 Inter (Except USA) | USD 30 million | R$ 21,54 |
| AC 35 World (Except USA) | USD 35 million | R$ 24,60 |
Check out all Asia travel insurance options.
Oceania travel insurance
A Australia you have your own insurance, but it's worth having cheap travel insurance that speaks your language. Furthermore, New Zealand and other countries in the region are also good options for travel insurance.
Even, land of extreme sports, be sure to check coverage for these situations when choosing your travel insurance.
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 40 Smart World (Except USA) | USD 40 million | R$ 13,93 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Intermac I30 Inter (Except USA) | USD 30 million | R$ 21,54 |
| AC 35 World (Except USA) | USD 35 million | R$ 24,60 |
Check out all Oceania travel insurance options.
cruise travel insurance
Finally, we also separate some good options to choose from for that desired vacation trip aboard an elegant cruise ship. Just take a look:
| Plano | Total hospital medical expenses | Average amount per day |
|---|---|---|
| ITA 40 Smart World (Except USA) | USD 40 million | R$ 13,93 |
| UA 40 World Special | USD 40 million | R$ 18,36 |
| Intermac I30 Inter (Except USA) | USD 30 million | R$ 21,54 |
| AC 35 World (Except USA) | USD 35 million | R$ 24,60 |
Check out all cruise travel insurance options.
What are travel insurance coverages?
Travel insurance usually covers some items on a standard basis, such as medical emergencies, hospital emergencies or compensation for lost luggage. But there are more comprehensive plans, varying according to the company, the type of insurance chosen, among other details.
If you have a problem in traffic, for example, you can count on travel insurance too. This is guaranteed if you hire travel assistance that even has legal support. It all depends on the insurance you choose, which can be simple or complete.
The most common occurrences that travel insurance covers are:
- 24-hour medical, hospital or dental care on international trips
- Sanitary repatriation
- medical transfer
- Body transfer and coverage for death while traveling
- Total disability due to accident while traveling
- Legal/financial assistance
- Death or serious illness of a family member
There are also some extra coverages that you can purchase with travel insurance:
- Support for Covid-19 and Pandemics
- trip cancellation
- Early return due to accident
- Expenses for misplaced, lost or damaged luggage
- Accidents in extreme sports
- flight delay
- Pregnant
Check out all the cheap travel insurance options.
How does travel insurance work?
Travel insurance can work for assistance or reimbursement.
The options available for assistance in the online comparator provide direct support when an emergency occurs. That is, you contact the insurance company and they instruct you on what to do or how to go to the hospital, for example. That way you don't have to pay anything extra for it, as the insurance bears all the expenses of the service.
Reimbursement insurance, on the other hand, directs you to go straight to the doctor, dentist, or any other professional who will help you, and only then activate the insurance. In these cases, you pay out of pocket and then present the receipts and invoices to receive the amount spent back. This type is more common in credit card travel insurance.
Check out all the cheap travel insurance options.
How to activate travel insurance
To claim travel insurance, you can call your policy's telephone number, free of charge, from anywhere in the world. The service is always in Portuguese. Some insurers also have mobile apps, which makes communication even easier.
Always have your policy number and personal data handy. Tell the representative about your problem and he will give you the support you need to deal with the situation – and try to stay calm to understand the instructions and get out of the situation in the best way possible.
The fundamental thing is to carefully read the travel insurance policy, and understand the particularities of the plan you hired. If you have any difficulties when talking to the insurance company, go ahead and seek help, because the important thing is to receive the support you need. Then you contact the company to resolve the financial issue.
Check out all the cheap travel insurance options.
Frequently Asked Questions
What is the price of cheap travel insurance?A good and cheap travel insurance per person costs an average of R$ 6 to 10 per day, but the final amount will depend on the destination, the age of the buyer and the activities carried out during the trip. Learn more about choosing the best cheap travel insurance.
Where to buy good cheap travel insurance?To help you choose the best cheap travel insurance, it's worth using a good travel insurance comparator. We indicate the Promo insurance, the site is very practical and fast, and the best: super reliable. See more information.
What is the cheapest travel insurance for Europe?A good option for cheap travel insurance for Europe is to choose the UA 40 World Special or even the ITA 40 Smart World (Except USA). Check out more details.
What is the cheapest travel insurance for the United States?The cheapest travel insurance for the USA is UA 40 World Special and the ITA 40 Smart USA. read more information.
How to get travel insurance?Buying travel insurance is very simple and you can do it online. A highly recommended insurance comparator is Promo insurance, a site that we trust and that offers all the information on the best plans on the market to help you make your choice. see how compare travel insurance.
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