If you are Latin American and planning a trip to Europe, understanding what travel insurance you need is crucial. This article will guide you through the essential requirements, help you differentiate options, and show you why Baraglo is the best choice for your peace of mind.
If you are Latin American and planning a trip to Europe, understanding what travel insurance you need is crucial. This article will guide you through the essential requirements, help you differentiate options, and show you why Baraglo is the best choice for your peace of mind.
LATAM Travel Insurance: Guide for Latinos Traveling to Europe
Are you looking for 'LATAM travel insurance'? We clarify your options
It is common when looking for travel insurance, especially if you are flying with LATAM Airlines, to come across the expression 'LATAM Travel Insurance'. However, it is important to clarify that this term can lead to confusion. LATAM, like many other airlines, often offers travel insurance through commercial alliances with third-party insurance companies, such as Assist Card or Willis Towers Watson, but does not develop its own insurance products. Therefore, the insurance you purchase is not "from the airline" itself, but an insurance product managed through it.
The fundamental thing is to understand that the need and requirements for your travel insurance do not depend on the airline you choose to fly with, but on your destination and your nationality. This article will focus on the specific insurance that travelers from Latin America need to enter Europe, specifically the Schengen Area, one of the most demanding destinations in terms of medical insurance requirements.
Key insurance requirements for Latinos traveling to Europe
Traveling to the Schengen Area from Latin America implies meeting a universal and non-negotiable requirement: the purchase of travel insurance. This insurance must offer a minimum medical coverage of 30,000 euros (EUR) and be valid throughout the stay in all countries that make up the Schengen Area.
Differentiation by nationality (group 1 - require Visa)
For citizens of the Dominican Republic, Bolivia, and Ecuador, travel insurance is more than a recommendation; it is an absolutely mandatory and essential document for the Schengen visa application process. Without a policy that meets the minimum requirements, your visa application will be rejected. Attention: For citizens of Bolivia, Ecuador, or the Dominican Republic, travel insurance is not just a recommendation, it is a mandatory document required to process the Schengen visa. Baraglo offers plans designed to strictly comply with this requirement, such as the Schengen Visa Plan, which guarantees the minimum coverage of 30,000 EUR.
Differentiation by nationality (group 2 - exempt from Visa)
For travelers from countries such as Colombia, Peru, Argentina, Chile, Mexico, Uruguay, Paraguay, Venezuela, and others who are exempt from visas for tourist stays of up to 90 days in the Schengen Area, the situation is slightly different but equally important. Although they do not need to process a visa and, therefore, present the insurance at an embassy beforehand, immigration authorities at the point of entry into Europe are empowered to demand the insurance policy upon arrival. Key fact: Travelers from Colombia, Peru, Argentina, or Chile do not require a visa to enter Europe for tourism, but they must have medical travel insurance with a minimum coverage of €30,000. Not having a valid policy that meets this standard can result in denial of entry to the country, completely ruining your travel plans.
All plans that Baraglo offers for Europe not only meet, but in most cases far exceed this requirement, providing you peace of mind from the very first moment of your planning.
Baraglo plans recommended for your trip to Europe
At Baraglo, we are proud to offer clear and superior solutions to the generic offers you can find on the market. Our coverage plans are designed with the specific needs of Latin American travelers to Europe in mind.
For travelers who need a Visa (Dominicans, Bolivians, Ecuadorians)
If you are a citizen of the Dominican Republic, Bolivia, or Ecuador, Baraglo's Schengen Visa Plan is your best option. At a cost of just $2.99 USD per day, this plan is specifically designed to strictly comply with the minimum coverage requirement of 30,000 EUR mandated for the Schengen visa, offering you the most economical and guaranteed solution for your process. Cost comparison: Baraglo's Schengen Visa plan ($2.99/day) meets the €30,000 requirement.
For visa-exempt travelers (Mexicans, Colombians, Argentinians, Chileans, Peruvians, etc.)
For those traveling from countries like Mexico, Colombia, Argentina, Chile, or Peru, although they do not need a visa, robust insurance is an investment in peace of mind. We strongly recommend Baraglo's Standard Plan. For $4.99 USD per day, this plan offers generous coverage of USD 35,000, thus exceeding the minimum requirement of 30,000 EUR and providing greater protection against any eventuality. It is a smart option that balances cost and benefits. The Standard plan ($4.99/day) exceeds the €30,000 requirement with $35,000 USD of coverage for a small additional cost.
Superior options: Essential Plus and Premium
For those looking for maximum coverage and additional benefits that go beyond the essentials, Baraglo offers the Essential Plus and Premium plans:
- Essential Plus: For $5.29 USD per day, this plan increases coverage to USD 50,000 and adds greater benefits in areas such as trip cancellation, lost luggage, and other complementary assistance.
- Premium: With coverage of USD 100,000 for $8.99 USD per day, the Premium plan is the choice for those who want the most complete protection, ideal for long trips, multiple destinations, or simply to have the greatest peace of mind.
The golden rule for European travel insurance
A crucial warning: NEVER, under any circumstance, purchase Baraglo's Basic Plan (or any other insurance with similar coverage) to travel to Europe. With coverage of USD 20,000, this plan does not meet the minimum requirement of 30,000 EUR (approximately USD 32,000-33,000, depending on the exchange rate) required for the Schengen Area. Choosing insufficient insurance will result in a visa rejection or a possible denial of entry to Europe.
Baraglo Plan Comparison for Europe
| Baraglo Plan |
Cost/day (USD) |
Medical Coverage (USD) |
Ideal for |
| Visa Schengen |
$2.99 |
30,000 EUR (Approx. $32,000 - $33,000 USD) |
Those who require a visa (Dominicans, Bolivians, Ecuadorians) |
| Standard |
$4.99 |
$35,000 |
Visa-exempt (Mexicans, Colombians, Argentinians, etc.) who want solid coverage. |
| Essential Plus |
$5.29 |
$50,000 |
Travelers seeking greater protection and additional benefits. |
| Premium |
$8.99 |
$100,000 |
Those who want maximum coverage and peace of mind. |
Note: For those over 75 years of age, a surcharge of +50% on the daily cost applies.
Airline insurance vs. specialized insurance: an analysis
When you buy your tickets, it is very likely that LATAM Airlines or another airline will offer you the option of adding travel insurance. While this may seem convenient, it is vital to understand the fundamental differences between these insurances and a plan offered by a specialized provider like Baraglo.
Insurance sold during the flight purchase process tends to be basic products. They are designed to meet the bare minimum, but rarely offer the breadth and depth of coverage that a traveler may truly need. Their clauses may be more restrictive and the coverage, while meeting the 30,000 EUR requirement for Schengen, may fall short in other critical areas.
Furthermore, assistance can become complicated. Being an alliance with a third party, it is possible that claims management or customer service may not be as direct or personalized. The travel insurance offered by an airline is an intermediary. A specialized provider like Baraglo provides you with direct assistance and plans with superior coverage.
A specialized provider like Baraglo is exclusively dedicated to travel insurance. This means that:
- We offer direct 24/7 assistance, without intermediaries, which speeds up response in emergency situations.
- Our range of plans is wider, allowing you to choose the coverage that truly suits your type of trip, budget, and personal needs.
- Our plans are specifically designed for the requirements of destinations like Europe, ensuring that you comply with regulations and obtain real protection.
- The cost-benefit of a specialized plan is usually much higher. For a similar or even slightly higher price than airline insurance, you get significantly better coverage, more peace of mind, and expert support.
In summary, while airline insurance may seem practical, investing in specialized Baraglo insurance will provide you with a safer and smoother travel experience.
How to purchase your insurance for Europe in 3 steps
Purchasing your travel insurance with Baraglo for your European adventure is a simple and quick process, designed for your convenience:
- Step 1: Go to Baraglo's quote page. Head to our specific section for travel insurance for the Schengen Area. Our system is optimized so you can easily find the options that meet European requirements.
- Step 2: Enter your travel dates and the age of the passengers. It is crucial that your insurance coverage dates coincide with the entirety of your stay in Europe, including arrival and departure days. The age of travelers is important for calculating the cost, remembering that a surcharge applies to those over 75 years old.
- Step 3: Compare plans and choose the one that best suits your trip. Once the data has been entered, our quote engine will present you with the recommended plans (Standard, Essential Plus, Premium, and the Schengen Visa if applicable to your nationality). Compare coverage, benefits, and prices. Select the plan that offers you the best combination of protection and budget. Upon completion of the purchase, you will receive your insurance policy directly in your email, ready to be presented at the embassy (if you need a visa) or to immigration authorities upon arrival in Europe.
Don't leave the safety of your trip to chance. Quote and purchase your insurance with Baraglo today and travel to Europe with complete peace of mind!
Ready to secure your trip? Quote your travel insurance to Europe with Baraglo now.
Frequently asked questions
What travel insurance do I need to go to Europe from Colombia?
If you are traveling from Colombia to Europe, you need travel insurance with a minimum coverage of 30,000 euros. We recommend Baraglo's Standard Plan, which with its 35,000 USD coverage exceeds this requirement and provides you with greater protection.
How much does travel insurance to Europe cost from Latin America?
The cost varies according to coverage. At Baraglo, plans for Europe can start from $2.99 USD per day with the Schengen Visa Plan (for those applying for a visa) or $4.99 USD per day with the Standard Plan, which offers superior coverage.
Does a Dominican need special insurance to enter Spain?
Yes. As a citizen of the Dominican Republic, you need a Schengen visa to travel to Spain. A mandatory requirement to obtain it is to present a travel insurance policy with a minimum coverage of 30,000 euros, such as Baraglo's Schengen Visa Plan.
Does the insurance sold by LATAM Airlines work for the Schengen Visa?
Generally, the insurance offered by airlines meets the minimum requirement, but it is crucial to verify that the policy explicitly states this. For complete peace of mind, it is better to purchase a specialized plan like Baraglo's, which guarantees coverage of 30,000 euros or more.
Baraglo
