Planning an international trip from Brazil is exciting, but to make sure your only concern is enjoying yourself, it's essential to have international travel insurance. This protection is your best ally against unfo...
Planning an international trip from Brazil is exciting, but to make sure your only concern is enjoying yourself, it's essential to have international travel insurance. This protection is your best ally against unforeseen events, from a medical emergency to lost luggage, guaranteeing your peace of mind and financial security away from home. Learn why it's a smart investment and how to choose the best coverage with Baraglo.
International Travel Insurance: Quote the Best Coverage
Why is international travel insurance indispensable for Brazilians?
When a Brazilian crosses the border, the public health system (SUS) no longer covers them. This means that any medical attention abroad, no matter how simple it seems, will have to come directly out of your pocket. Purchasing international travel insurance is not an expense, but an investment in your peace of mind and well-being. It is the guarantee that, in the face of any eventuality, you will have professional and financial support to resolve it without it becoming a debt that ruins your experience or your finances.
The risks of traveling are varied and, unfortunately, more common than one might think. Here are the main reasons why traveling insured is a smart and necessary decision:
Exorbitant medical costs abroad
The main reason to purchase travel assistance is medical coverage. Healthcare systems in other countries, especially in popular destinations for Brazilians like the United States or Europe, have astronomical costs for non-residents. Let's look at some realistic examples:
- Medical consultation in the USA: A simple visit to a general practitioner for a cold or a minor ailment can easily cost more than $300 USD. If you need a consultation with a specialist, the price can double.
- Hospitalization for appendicitis: An emergency procedure like an appendectomy in the United States can cost between $10,000 and $40,000 USD, not counting the subsequent days of hospitalization.
- Leg fracture in Europe: A skiing accident in Switzerland or tripping on a street in Paris resulting in a broken leg can generate a medical bill of between 15,000 and 25,000 euros, including surgery, cast, and follow-up.
Travel insurance absorbs these costs, allowing you to receive the best available medical care without worrying about the final bill. International travel insurance with Baraglo costs from $3.19 USD per day, less than a coffee in New York, but offers medical coverage of up to $20,000 USD.
Flight cancellations and lost luggage
Logistical problems are another source of stress and unexpected expenses. Your flight may be canceled due to bad weather, an airline strike, or operational unforeseen events, leaving you stranded with unplanned hotel and food expenses. Worse yet, your luggage may be damaged, delayed, or, in the worst case, lost by the airline. Good travel insurance compensates you for these incidents. It offers reimbursements for essential expenses if your suitcase is delayed and financial compensation if it is definitively lost, allowing you to replace your belongings. Regarding trip cancellation, if you must cancel your itinerary for a covered reason (such as a serious illness of yours or a direct relative), the insurance can reimburse non-recoverable flight and hotel costs.
Peace of mind and 24/7 assistance in your language
Imagine having a medical emergency in a country where you don't speak the language. The language barrier can make a stressful situation even more terrifying. All Baraglo travel insurance policies include an assistance center that operates 24 hours a day, 7 days a week, with staff who speak Spanish and Portuguese. With a simple call, they take care of everything: they coordinate your visit to the nearest hospital, speak with doctors, manage payments directly with the provider (so you don't have to pay out of pocket) and guide you through every step of the process. This assistance is, for many travelers, the most valuable aspect of the service.
Key coverages your international insurance must have
When comparing and choosing international travel insurance, not all plans are equal. It is crucial that you understand what fundamental coverages will truly protect you. Below, we break down the four most important protections that cannot be missing from your policy to guarantee a worry-free trip with the necessary support.
1. medical assistance for accident or illness
This is the heart of any travel insurance. Medical coverage is what will protect you from the sky-high costs of health abroad. A good plan should cover a wide range of situations, including:
- Emergency medical consultations: To treat sudden and unexpected illnesses, from a bad flu to a food infection.
- Hospitalization and surgical interventions: Covers the costs of hospitalization, operating room use, medical fees, and all necessary procedures in case of a serious emergency.
- Prescription medications: Reimbursement for the costs of medicines prescribed by a doctor during your trip as part of emergency treatment.
- Emergency dentistry: Coverage to relieve acute pain or treat an infection, usually up to a specific amount.
It is vital to review the coverage amount. For travel insurance for the United States, a minimum of USD 50,000 is recommended, while for travel insurance for Europe, the minimum required is 30,000 euros (our Standard Plan exceeds this requirement).
2. loss, theft or damage of luggage
Arriving at your destination and discovering that your suitcase didn't make it is a nightmare. Luggage coverage is designed to mitigate this problem. It works in two ways:
- Compensation for delay: If your luggage is delayed for more than a certain number of hours (generally between 6 and 12), the insurance provides you with a sum of money to buy essential items such as clothes and toiletries.
- Compensation for total loss or theft: If the airline declares your luggage definitively lost, or if it is stolen, the insurance pays you compensation up to the limit established in your policy. For this, it is essential that you file the corresponding report (the PIR - Property Irregularity Report at the airport) to be able to initiate the claim. Learn more about how luggage coverage works in our blog.
3. trip cancellation or interruption
We invest a lot of time and money planning a trip, but sometimes, unforeseen events force us to change plans. This coverage protects you financially.
- Trip cancellation (before departure): Reimburses non-recoverable expenses (flights, hotels, prepaid tours) if you have to cancel your trip due to covered reasons, such as a sudden serious illness of yours or a close relative, or the death of a relative.
- Trip interruption (during the trip): If you are already at your destination and must urgently return to Brazil due to a covered emergency (for example, a serious accident of a relative), the insurance covers the additional costs of the early return ticket.
4. medical and funeral repatriation
This is one of the most important and often underestimated coverages, as it covers very high-cost scenarios.
- Medical Repatriation (or Medical Evacuation): If you suffer a serious accident or illness in a place without adequate medical infrastructure to treat you, the insurance coordinates and pays for your transfer in an ambulance plane to the nearest hospital or even back to Brazil. These transfers can cost more than $100,000 USD.
- Funeral Repatriation: In the tragic event of death during the trip, the insurance handles all the complex and costly procedures and the transfer of the body back to Brazil so that the family can hold the funeral.
| Essential Coverage |
What does it protect you from? |
Included in Baraglo |
| Medical Assistance |
Expenses for consultations, hospitalization, surgeries and medications for emergencies. |
✔️ |
| Luggage Coverage |
Financial compensation for delay or definitive loss of your checked baggage. |
✔️ |
| Trip Cancellation |
Reimbursement of non-recoverable expenses if you must cancel your trip due to an emergency. |
✔️ |
| Repatriation |
Covers the cost of medical or funeral transfer back to Brazil. |
✔️ |
Compare our insurance plans for your international trip
At Baraglo, we understand that every traveler and every trip is unique. That's why we have designed a range of plans to suit your specific needs, from a getaway to a neighboring country to an adventure across multiple continents. We want to be transparent and help you choose with confidence. The main difference between the insurance plans is the amount of medical coverage. Baraglo offers from USD 20,000 for nearby destinations to USD 100,000 for total protection anywhere in the world.
Below, we present a comparative table of our most popular plans for Brazilian travelers, so you can easily find your ideal coverage. Remember that all our plans include 24/7 assistance and the essential coverages we already mentioned.
| Plan |
Medical Coverage |
Ideal for (Traveler/Destination) |
Price per day (from) |
| Basic |
USD 20,000 |
Short trips to South American countries with low medical costs (e.g., Argentina, Uruguay). Perfect for backpackers and weekend trips. |
$3.19 USD |
| Standard |
USD 35,000 |
Trips to Europe. For Brazilian travelers visiting Europe, Baraglo's Standard Plan (USD 35,000) exceeds the minimum €30,000 requirement of the Schengen Area, guaranteeing your entry. |
$4.99 USD |
| Essential Plus |
USD 50,000 |
Our recommendation. Ideal for destinations with moderate to high medical costs such as the US, Canada, Japan or Australia. Provides an excellent balance between robust coverage and price. |
$5.29 USD |
| Premium |
USD 100,000 |
Maximum protection. For families with children, long-term travelers, or anyone who wants maximum peace of mind in the world's most expensive healthcare destinations. |
$8.99 USD |
Quote your ideal plan now
How much does international travel insurance cost when leaving Brazil?
One of the most frequent questions is about the final price of travel assistance. The answer is that the cost is variable and is personalized according to four main factors:
- Traveler's age: The older the age, the greater the statistical risk of needing medical assistance, so the price tends to increase. At Baraglo, travelers over 75 years old have a 50% surcharge on the premium, a standard industry practice to reflect this risk.
- Trip duration: Logically, a 30-day trip will have a higher total cost than a 7-day trip. However, the cost per day usually decreases for longer trips.
- Destination: Traveling to countries with very expensive healthcare systems, such as the United States or Switzerland, can influence the cost of insurance compared to traveling through South America.
- Level of coverage: As you saw in our plan table, a plan with USD 100,000 medical coverage (Premium) will be more expensive than one with USD 20,000 coverage (Basic), as the level of protection is significantly higher.
To put it in perspective, the cost of insurance is a minimal fraction of your total travel budget. With Baraglo, you can protect your entire trip from just $3.19 USD per day. This is, in many cases, less than you would spend on lunch or a tourist attraction at your destination. For example, for a 30-year-old traveler traveling for 15 days to the United States, the Essential Plus Plan ($5.29/day) would have a total cost of $79.35 USD. In exchange for that investment, you get $50,000 USD in coverage and the peace of mind of knowing that we are a call away. The best way to know your exact price is to use our online quote tool: it's fast, easy, and won't take more than a minute.
Purchase your travel insurance in 3 simple steps
At Baraglo, we have simplified the purchasing process so you can get your protection in minutes, without complications or unnecessary paperwork. Forget long forms and waiting. It's that easy to travel safely:
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Step 1: enter your travel details
Visit our quote tool on the main page. You only need to tell us your main destination (or if it's a multi-destination trip), your departure date from Brazil, and your return date. We will also ask for the ages of the travelers. With just this information, our system will calculate the available options for you.
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Step 2: compare and choose your plan
We will show you a clear comparison of all available plans for your trip, with their respective coverages and prices. You will be able to see in detail what each one includes and choose the one that best suits your budget and desired level of protection. If you have any doubts, our comparative table and descriptions will help you decide.
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Step 3: pay and receive your policy instantly
Once you have chosen your plan, you just have to fill in the travelers' details and make the payment securely through our platform. Immediately after confirmation, you will receive an email with your insurance policy (voucher), the general conditions, and, most importantly, all the contact numbers for the 24/7 emergency assistance center. Done! You are now protected for your international adventure.
Frequently asked questions
Is international travel insurance mandatory?
It depends on the destination. For Schengen Area countries in Europe, it is mandatory to have a minimum coverage of 30,000 euros. Although it is not mandatory in other places like the United States or Japan, it is highly recommended due to the high medical costs abroad. Traveling without insurance to these destinations is a very high financial risk.
What does international travel insurance cover?
The main coverage is medical assistance for emergencies, accidents, or sudden illnesses. In addition, it usually includes compensation for lost or delayed luggage, reimbursement of expenses for trip cancellation or interruption due to major causes, and the very important medical repatriation (medical evacuation) and funeral repatriation coverage.
How do I use the insurance in case of an emergency?
The first and most important thing is to stay calm and contact your insurance's 24/7 assistance center, whose numbers you will find in your policy. You should do this before going to a hospital, unless it is a life-threatening emergency. The assistance team will guide you in your language, indicate the closest affiliated medical center, and coordinate all the care, covering the expenses directly or telling you how to proceed for a subsequent reimbursement.
Can I purchase travel insurance while already abroad?
No, it is a general rule in the insurance industry that the policy must be purchased in your country of origin (Brazil) before your trip start date. It is not possible to purchase it once you have already left the country, as the purpose of the insurance is to cover unforeseen events that occur during the trip. All Baraglo insurance plans must be purchased in Brazil, before starting the international trip, to guarantee their validity.
Ready to travel with maximum peace of mind? Don't leave your safety to chance. Quote your international travel insurance with Baraglo in less than 60 seconds and get the best coverage for your next adventure. Travel the world, we protect you!
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