Planning your dream trip to Europe from Latin America? International travel insurance is not just a recommendation, it's a necessity and, for some, a mandatory requirement for the Schengen Area. We'll guide you…
Planning your dream trip to Europe from Latin America? International travel insurance is not just a recommendation, it's a necessity and, for some, a mandatory requirement for the Schengen Area. We'll guide you in choosing the best insurance to give you peace of mind and protection on your European adventure.
Best International Travel Insurance for Europe [2024 Guide]
Why is international travel insurance key for Europe?
Traveling to Europe is an unforgettable experience, but it's essential to do so with adequate protection. International travel insurance becomes your best ally, not only for meeting migration requirements but also for safeguarding your well-being and finances. For travelers from the Dominican Republic, Bolivia, and Ecuador, travel insurance with a minimum coverage of €30,000 is a mandatory requirement to apply for a Schengen visa.
The main reason is the Schengen Area requirement, which demands travelers have a minimum medical coverage of 30,000 euros. This regulation aims to ensure that visitors can cover any emergency medical expenses, hospitalization, or repatriation. However, beyond the obligation, it is a wise personal decision.
Insurance offers you financial protection against medical emergencies, which can cost thousands of dollars abroad. Traveling to Europe from Latin America without insurance can mean facing medical bills of over $5,000 for appendicitis or over $20,000 for an accident requiring hospitalization. Additionally, they cover common unforeseen events such as flight cancellations, trip interruptions, and lost luggage, preventing these incidents from ruining your experience or your budget. With insurance, you also gain peace of mind, knowing that you have 24/7 assistance in Spanish, ready to help you in any situation.
How to choose the best travel insurance for Latinos: 4 keys
Selecting the best international travel insurance for Europe requires attention to several details. Here are the essential keys for Latin American travelers:
- Verify Schengen Coverage: The first thing is to ensure that the plan's medical coverage exceeds €30,000. This is the minimum required by the Schengen Area. Unlike Baraglo's Basic Plan ($20K), the Standard ($35K), Essential Plus ($50K), and Premium ($100K) plans exceed the minimum €30,000 coverage required by the Schengen Area. NEVER choose a plan with lower coverage if your destination is Europe!
- Analyze Additional Coverages: Think about your type of trip. Will you practice adventure sports like skiing or hiking? Do you need coverage for pre-existing conditions? Are you carrying expensive electronic equipment? Some plans offer extras that better suit your needs, such as coverage for pregnancies or even trip cancellation for any reason.
- Assistance in your Language: In moments of stress or emergency, communication is vital. Confirm that the insurance company offers 24/7 traveler support in Spanish. Baraglo guarantees assistance in Spanish for all its clients, facilitating any management or query during your trip.
- Coverage-Price Relationship: It's the perfect balance. Compare the daily cost of the insurance against the maximum amount of coverage it offers. Sometimes, for a few more dollars, you double your protection. The cheapest is not always the best option. Baraglo offers competitive plans that optimize your investment in security.
We invite you to compare all our plans to find the one that best suits your European adventure. Don't forget that a good choice will save you headaches and unexpected expenses.
Why contract with Baraglo?
At Baraglo, we understand the needs of the Latin American traveler. Here are 3 concrete reasons to choose us:
- Competitive Prices: We offer plans that comply with Schengen regulations starting from $2.99 USD per day, positioning us as one of the most economical options without sacrificing quality of coverage. Baraglo's 'Visa Schengen' plan offers $30,000 USD coverage for only $2.99 a day, meeting all European requirements and being the most economical option for visa processing.
- Broad and Clear Coverages: Our plans are designed with the most common eventualities that may arise in Europe in mind, from medical emergencies to luggage problems. Always with transparency in what each policy covers.
- 24/7 Support in Spanish: Because in an emergency, you need to speak your language. Our assistance team is available 24 hours a day, 7 days a week, to provide you with the support you need, wherever you are in Europe.
Comparative table: Baraglo plans for your trip to Europe
To help you make the best decision, we have prepared a comparison of Baraglo plans suitable for traveling to Europe. Remember that all these plans meet or exceed the Schengen insurance requirement.
| Plan |
Medical Coverage |
Approx. Price USD/Day |
Ideal for... |
| Visa Schengen |
USD 30,000 |
$2.99 |
Meets the essential requirement for the Schengen Visa, ideal for tight budgets or for Dominicans, Ecuadorians, and Bolivians. |
| Standard |
USD 35,000 |
$4.99 |
Offers solid coverage, slightly broader than the minimum, for greater peace of mind. |
| Essential Plus |
USD 50,000 |
$5.29 |
Excellent price-coverage ratio. Offers robust protection at a very affordable cost, covering most common medical emergencies. |
| Premium |
USD 100,000 |
$8.99 |
Maximum protection for long trips, with risky activities or for those seeking the highest possible coverage. Includes additional benefits. |
Important Note: Baraglo's Basic Plan (USD 20K) is NOT valid for travel to the Schengen Area as it does not meet the minimum medical coverage requirement of €30,000. Our daily reference prices apply to travelers up to 74 years old. Travelers over 75 years old have a +50% surcharge.
For citizens of the Dominican Republic, Bolivia, and Ecuador, travel insurance is not simply a recommendation, but a MANDATORY requirement to apply for the Schengen visa. Without insurance that meets the requirements, the embassy or consulate will reject the visa application.
The insurance must be presented along with the visa application. We specifically recommend Baraglo's 'Visa Schengen Plan' as the most economical and direct option to comply with this procedure. For only $2.99 a day, you get the necessary $30,000 USD coverage.
It is crucial to remember that, for other LATAM nationalities who are visa-exempt (such as Colombians, Peruvians, Mexicans, Chileans, etc.), even if they do not require a visa to enter, Schengen legislation establishes that a migration officer may request proof of travel insurance upon arrival in the European country. Not having it can result in denial of entry, even if you are visa-exempt. Therefore, it is always smart to travel with insurance.
How to contract and use your Baraglo travel insurance?
Contracting your insurance with Baraglo is a simple and quick process, designed so you can focus on planning your trip to Europe:
- Quote Online: Visit baraglo.com or click on this link to get a quote. Enter your destination (Europe), your travel dates, and the number of travelers. Our system will show you the available plans that meet the requirements for Europe.
- Choose your Plan: Select the plan that best suits your needs (we recommend Standard, Essential Plus, or Premium for maximum peace of mind, or Visa Schengen if your priority is the visa requirement for countries like the Dominican Republic, Bolivia, or Ecuador).
- Make Payment: Complete your personal details and proceed to secure payment.
- Receive your Policy: You will receive your policy and insurance certificate by email, ready to print or save on your mobile. It includes all 24/7 emergency contact numbers.
In case of a medical emergency during your trip, communication is key. Call the 24/7 assistance number indicated on your policy BEFORE going to a hospital (except in immediate life-threatening situations). The assistance team will guide you and coordinate medical attention, directing you to a contracted medical center and managing payments, so you don't have to pay out of pocket. Consult our guide on what to do in a medical emergency abroad to be even more prepared.
Don't leave your protection to chance! Get a quote for your travel insurance with Baraglo now and travel to Europe with the peace of mind you deserve.
Frequently asked questions
What is the best international travel insurance for Europe?
The best travel insurance for Europe is one with medical coverage over 30,000 euros, 24/7 assistance in Spanish, and protection against cancellations. Baraglo's Standard ($35K) or Visa Schengen ($30K) plans are excellent options that meet all requirements.
Is travel insurance mandatory to enter Europe from Latin America?
It is mandatory for citizens of countries that require a Schengen visa, such as the Dominican Republic, Bolivia, and Ecuador. For other Latin countries, while not mandatory for entry, it is highly recommended and may be requested by an immigration officer.
How much does international travel insurance for Europe cost?
The cost varies depending on the coverage. At Baraglo, you can find plans that meet the Schengen requirement starting from $2.99 USD per day, such as the Visa Schengen Plan, which offers $30,000 USD medical coverage.
Which Baraglo plan do you recommend for Europe if I'm traveling on a limited budget?
Baraglo's Visa Schengen Plan is your best option. For only $2.99 USD a day, you get $30,000 coverage, meeting the Schengen Area's minimum requirement economically and securely.
Baraglo
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