Check below everything you need to know before taking out travel health insurance for your vacation. We have gathered the best options with unmissable tips for you to take advantage of when buying.
When planning a trip, to national or international destinations, it is very important to keep in mind which is the ideal travel health insurance for your itinerary. After all, there are several options with different applications, but how do you know which one is right?
If you have, like I had, many doubts about travel health insurance, also known as travel insurance, know that you are in the right post. This is where your doubts will be answered and, starting today, you will be inside everything you need to know about the subject.
Interested? So just scroll the screen: ?
In this post you will see:
- What is travel health insurance?
- Is travel health insurance mandatory?
- What is the best travel health insurance?
- How much does travel health insurance cost?
- Travel health insurance discount coupon
- How to buy travel health insurance
- What are travel health insurance coverage?
- Does travel health insurance cover coronavirus?
- How does travel health insurance work?
- How to apply for travel health insurance
- Which travel insurance to choose?
- What are the types of travel insurance?
- best insurers
- Frequently Asked Questions
What is travel health insurance?
Travel health insurance is just another term for the Travel insurance: a medical-hospital and legal assistance service and other benefits related to national and international travel.
Difference between international health insurance and travel insurance
Another term that may appear in your search is international health insurance. This case, specifically, refers to people who travel for a long period to another country and need to hire a health plan. This is the case of people who travel for work or go on an exchange, for example.
However, even in these situations we recommend hiring the annual travel insurance or long stay travel insurance. Because, like other insurance services, they also offer benefits that go beyond health plans.
Check out all travel health insurance options.
Is travel health insurance mandatory?
Travel health insurance may be mandatory depending on the international destination you set for your trip. This is the case for countries like Cuba, Argentina and the nations that are part of the Schengen Treaty, For example.
On the other hand, national travel does not require health insurance, however, hiring one is a great way to prevent possible accidents and emergencies. And the same applies to other nations that do not oblige the hiring of a international travel insurance, like the USA and the Chile, For example.
So, whether it's mandatory or not, taking out travel health insurance is always a good choice.
Check out all travel health insurance options.
What is the best travel health insurance?
Now that you know that travel health insurance is essential for your vacation, see below which are the main options available on the market.
We have gathered the three main insurances for national destinations and three for international destinations with extensive medical and hospital coverage and great benefits, check out:
national travel insurance
Below, check out some indications of the best national travel insurance with good cost-benefit and affordable prices:
SS30 Spain
Coverage of BRL 15 for medical and hospital expenses + BRL 500 for luggage insurance. It also covers dental emergencies, medical expenses due to Covid-19 and has coverage for pregnant women. – SEE PRICES
Assist SV Spain 30 + Covid19
Coverage of R$ 30 thousand for medical and hospital expenses + R$ 600 for luggage insurance. It also covers sports, medical expenses due to Covid-19, dental emergencies and has pharmaceutical reimbursement. – SEE PRICES
AC 15 Spain + Covid19
Coverage of R$ 30 thousand for medical and hospital expenses + R$ 1 thousand for luggage insurance. It covers dental emergencies, has pharmaceutical reimbursement and offers BRL 300 for possible damage to the suitcase. – SEE PRICES
Check out all national travel insurance options.
international travel insurance
International travel insurance may be mandatory in certain countries, such as the nations of the Schengen Area, as we said above. So it is worth checking out some of the main options available on the market applicable to most international destinations:
UA 40 World Special
Coverage of US$ 40 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, dental emergencies and pregnant women. It also has pharmaceutical reimbursement and remote medical assistance. – SEE PRICES
AC 35 World
Coverage of US$ 35 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, dental emergencies and pregnant women. It also has pharmaceutical reimbursement and remote medical assistance. – SEE PRICES
Affinity 60 USA & Canada
Coverage of US$ 60 thousand for medical and hospital expenses + US$ 800 for luggage insurance. It also covers sports, pregnant women, dental emergencies, physiotherapy and has pharmaceutical reimbursement. – SEE PRICES
Check out all international travel insurance options.
How much does travel health insurance cost?
It is possible to hire good travel health insurance for prices from R$ 10 per day. You can even use a online insurance comparator to check available plans.
The amount of insurance 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 will practice extreme sports during the trip will also have a plan with a slightly higher value.
Insurance is, in general, very cheap and well worth it because it gives you the security of having a smooth trip, without worrying about how to deal with an emergency – just activate the insurance and it will take care of you.
The truth is, everyone buys insurance to have peace, and hopes they never need it. However, if you need it, having this support is quite a help in the midst of a crisis.
Check out all travel health insurance options.
Travel health insurance discount coupon
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 travel health 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 to buy travel health insurance
Taking out travel health 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.
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.
After hiring, you receive your travel insurance policy by email. Keep this document well, as it contains the general conditions of the contracted plan and all the information on how to call the insurance company in case of an emergency.
So, if there is any eventuality on the trip, you can contact the insurance company via phone, WhatsApp, online chat or email. All contact numbers and forms are available on the policy – so keep the document in an easily accessible place.
It is also worth remembering that all insurers listed in the Promo insurance 24/7 support and fully in Portuguese. That is, even if you are in France, don't worry, the service will be super easy!
Check out all travel health insurance options.
What are travel health insurance coverage?
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 travel health insurance options.
Does travel health insurance cover coronavirus?
There are, yes, some travel insurances that cover medical care related to Covid-19. However, it is worth noting that not all of them are.
To ensure that you will have travel insurance coverage if you are diagnosed with Covid abroad, look for plans that specify this particularity. It is common to have this information right in the title of the insurance product, as you can see in the examples below. Even so, always remember to read the policy carefully and ask any questions before hiring.
A good way to look for travel insurance with coverage for Covid-19 is to use a online comparison of insurance plans. So you can look side by side the deductible provided by each insurer, and choose the one that best fits your reality.
How does travel health 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 travel health insurance options.
How to apply for travel health 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 travel health insurance options.
Which travel insurance to choose?
To find out which is the best travel health insurance, a good tip is to use a travel insurance online comparator. There are many options available on the site, and here are some tips to help you decide which plan is best for you.
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 travel health insurance options.
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
- Long term travel insurance
- annual travel insurance
- interchange travel insurance
- student travel insurance
Check all travel insurance options.
best insurers
A very common question among those looking for travel insurance is which insurance company is the most suitable. There are several companies in the field, and we have a guide on the main ones to guide you in the search for the most ideal plan.
Read our articles to learn more about the history of each insurer, which plans they offer and even their reputation on Reclame Aqui.
- Affinity
- Assist Card
- Coris Travel Insurance
- Assist Trip
- Assist Travel Insurance
- GTA
- Intermac Assistance
- Vital Card
- ITA Travel
- travel care
- Universal Assistance
Frequently Asked Questions
What is travel health insurance?Travel health insurance is just another term for the Travel insurance: a medical-hospital and legal assistance service and other benefits related to national and international travel. See more information about travel health insurance.
Is travel health insurance mandatory?Travel insurance may be mandatory, depending on the destination. O national travel insurance, for example, is not required. However, some countries in Europe that are part of Schengen Treaty require taking out insurance. However, it is not all international travel insurance which is mandatory, as is the case with United States. understand better about travel health insurance.
How to choose travel health insurance?To find out which is the best travel insurance, a good tip is to use a travel insurance online comparator. There are many options available on the site, and here are some tips to help you decide which plan is best for you.
How much does travel insurance cost?It is possible to hire good travel insurance for prices on average from R$ 6 to 10 per day. You can even use a online insurance comparator to check available plans. See more options travel health insurance.
Where to buy 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.
Can I cancel my travel insurance?To cancel travel insurance, contact the insurance company and request cancellation. But attention: this request must be made up to two days before the validity of the plan (departure date). After this time, it is no longer possible to cancel the travel insurance. know more about travel health insurance.
What does travel insurance cover?Travel insurance covers medical, hospital and dental expenses, body transfer, medical return and medical transfer, in addition to other items and extra options that can be contracted. Learn more about plans.
