Purchasing travel insurance with Covid-19 coverage is the smartest decision to protect your investment and your health against any unforeseen event. At Baraglo, all our plans include comprehensive medical assistance for…
Purchasing travel insurance with Covid-19 coverage is the smartest decision to protect your investment and your health against any unforeseen event. At Baraglo, all our plans include comprehensive medical assistance for contagion and additional benefits such as cancellation coverage, ensuring you travel with complete peace of mind to any destination in the world.
Travel Insurance with COVID-19 Coverage: Travel Protected
Why is Travel Insurance with COVID Coverage Still Key?
Although the World Health Organization (WHO) declared the end of the global health emergency due to Covid-19, the virus is still present and circulating. For a traveler, this means that the risk of an infection disrupting plans has not disappeared. A positive SARS-CoV-2 diagnosis can turn a dream trip into a logistical and financial nightmare, and this is where adequate travel insurance makes all the difference. The peace of mind of knowing you have professional and economic support is priceless.
Many people assume that their local health insurance or prepaid medical plan will cover them abroad. The reality is that the vast majority of these policies have a strictly national scope. At best, they might offer limited reimbursement for international medical expenses, but this usually means you have to pay all costs out of pocket first and then initiate a long and complex bureaucratic process to recover only a fraction of the money. Travel assistance, on the other hand, operates directly: in an emergency, you contact the assistance center and they coordinate and cover the necessary expenses up to your plan's limit, preventing you from having to pay out large sums of money.
Imagine this scenario: two days before your flight to Europe, you start to feel symptoms and a test confirms you have Covid-19. Without insurance with cancellation coverage, you could lose 100% of the money invested in non-refundable flights, hotels, and tours. Or worse, imagine you get infected during your trip to the United States. A simple check-up in an emergency room can cost hundreds of dollars, and a multi-day hospitalization can escalate to tens of thousands. These unexpected medical expenses can completely destabilize your travel and personal budget. Specialized travel insurance for these contingencies is a minimal investment for maximum protection.
Ultimately, travel insurance with Covid-19 coverage is a policy for peace of mind. It's knowing that if the virus interferes, you won't be alone. You'll have a team of professionals available 24/7 to assist you in your language, coordinate the medical attention you need, and protect your finances from the exorbitant costs that an illness abroad can generate. It's the guarantee that a medical unexpected event won't ruin your experience or your finances.
Essential COVID-19 Coverages in Your Travel Assistance
To ensure complete protection, it's essential to understand what specific Covid-19 related coverages your assistance plan should include. It's not just about having "Covid coverage," but about knowing the details of which situations are covered. All Baraglo plans offer medical expense coverage for Covid-19, treating the illness like any other medical emergency up to the plan's limit. Below, we break down the essential protections you'll find in our plans.
Medical Assistance for Illness
This is the most important coverage. If you are diagnosed with Covid-19 during your trip, your travel assistance must cover all derived medical expenses up to the maximum amount of the plan you purchased. This includes:
- Medical consultations: Both in-person and by telemedicine for an initial evaluation.
- Hospitalization: Coverage of hospitalization costs in a standard room or in an Intensive Care Unit (ICU) if your condition requires it.
- Prescription medications: Reimbursement or direct coverage of medications prescribed by a doctor to treat the illness.
- Exams and tests: Coverage of laboratory tests and images (such as chest X-rays) indicated by a professional to diagnose and monitor the illness.
- Specialized treatments: Respiratory therapies or other medically necessary procedures for your recovery.
It is vital to choose a plan with a coverage limit appropriate to the destination. A plan with USD 50,000 may be sufficient for many countries, but for destinations with extremely expensive healthcare like the United States, an amount of USD 100,000 or higher is highly recommended.
Trip Cancellation or Interruption Expenses
Trip cancellation coverage due to a positive Covid-19 diagnosis allows you to recover non-refundable trip expenses if you fall ill before departing. This protection is a financial lifesaver. If you, as the policyholder, or a direct family member (spouse, parents, children, or siblings) test positive for Covid-19 before starting the trip and are unable to travel, the insurance will reimburse you for prepaid and non-recoverable costs. This typically includes:
- Airline tickets.
- Hotel reservations.
- Pre-paid tours and excursions.
- Vehicle rentals.
Similarly, trip interruption coverage is activated if you must return prematurely to your country of origin due to a serious medical emergency related to Covid-19 (yours or a direct family member's). The insurance will cover the additional costs of your return and reimburse you for the unused portion of your trip services.
Medical and Funeral Repatriation
This is a critical coverage that is often overlooked. Medical repatriation covers the cost of your medical transfer back to your country of origin if your health condition is serious and the treating medical team determines it is necessary. This can involve a commercial flight with medical escort or, in extreme cases, an air ambulance, the cost of which can amount to hundreds of thousands of dollars.
In the worst-case scenario, funeral repatriation covers the costs and procedures necessary to transfer remains back to the country of residence. These are situations no one wants to imagine, but for which it is essential to be covered, relieving the family of an enormous emotional and financial burden during a time of great grief.
Expenses for Convalescence or Quarantine
Some of our most comprehensive plans, such as Essential Plus and Premium, include specific coverage for hotel expenses during convalescence. This means that if, after being discharged from the hospital due to Covid-19, a doctor prescribes a mandatory rest period before you can travel back (quarantine), the insurance will cover a daily sum for accommodation expenses up to a maximum specified in your policy. This coverage prevents a forced extension of your stay from becoming an unforeseen expense that you have to bear out of your own pocket.
Our Baraglo Plans with COVID-19 Protection
At Baraglo, we understand that every traveler and every trip is unique. That's why we have designed a range of plans that include robust Covid-19 coverage, adapting to different destinations, budgets, and desired levels of protection. All our plans treat Covid-19 as any other sudden illness, covering medical assistance up to the contracted limit. Below, we present a comparison to help you choose with confidence.
To help you better visualize the options, we have prepared a comparative table with our most popular plans. Remember that the final choice will depend on factors such as your destination, the duration of your stay, and the level of peace of mind you seek.
| Feature |
Standard Plan |
Essential Plus Plan |
Premium Plan |
| Price per day |
From $4.99 USD |
From $5.29 USD |
From $8.99 USD |
| Medical assistance for illness/accident |
Up to USD 35,000 |
Up to USD 50,000 |
Up to USD 100,000 |
| Covid-19 Coverage (included) |
Up to USD 35,000 |
Up to USD 50,000 |
Up to USD 100,000 |
| Multi-cause trip cancellation |
Up to USD 1,000 |
Up to USD 1,500 |
Up to USD 3,000 |
| Hotel expenses for convalescence |
Not included |
Yes, included |
Yes, included (higher amount) |
| Ideal for |
Travel to South America, Caribbean |
Europe, Asia, cruises |
United States, Canada, long trips |
Detailed Plan Analysis
Standard Plan ($4.99/day)
This plan is an excellent cost-benefit option for travelers to Latin America and the Caribbean. With medical coverage of USD 35,000, it offers solid protection for destinations where medical costs are moderate. It far exceeds the minimum requirement for the Schengen Area (€30,000), making it also a viable option for budget-conscious travelers heading to Europe. It's perfect for backpackers, exchange students, or for those long weekend getaways across the continent.
Essential Plus Plan ($5.29/day)
Our most balanced and recommended plan. The Essential Plus Plan raises medical coverage to USD 50,000, giving you a much greater margin of safety. It is ideal for trips to Europe, comfortably meeting the Schengen requirement, and for other destinations such as Asia or cruises. Its great differentiator is the inclusion of coverage for hotel expenses during convalescence, a key benefit in the post-pandemic era. If you are looking for comprehensive protection without jumping to the maximum coverage plan, this is your best choice.
Premium Plan ($8.99/day)
For the traveler who leaves nothing to chance, the Premium Plan is the ultimate expression of peace of mind. With medical coverage of USD 100,000, it is the indispensable option for traveling to countries with private and extremely expensive healthcare systems, such as the United States and Canada. For high-cost healthcare destinations like the United States, Baraglo's Premium plan with USD 100,000 coverage is the recommended option for total protection. It is also the preferred choice for families with children, seniors (with a +50% surcharge for those over 75), or anyone who wants to travel with the certainty of being covered for virtually any medical eventuality, including higher amounts for trip cancellation and additional benefits.
Remember, the best assistance is one that adapts to you. Before deciding, we invite you to quote your travel assistance on our site and compare all coverages in detail.
Traveling with COVID Insurance to Popular Destinations
Although Covid-19 related entry restrictions have been lifted in most countries, the need for robust travel insurance largely depends on the cost and quality of the healthcare system in your destination. Here's why Covid-19 coverage remains crucial for the most visited destinations by Latin American travelers.
United States: Where Protection Is Not Optional
Traveling to the United States without high-coverage travel insurance is extremely risky. The US healthcare system is the most expensive in the world. A medical event that might be manageable in our countries can lead to lifelong debt there. For example:
- An emergency room visit for flu or Covid-19 symptoms can cost between $500 and $3,000 USD, not including medications or tests.
- A single day of hospitalization can exceed $4,000 USD.
- ICU hospitalization for Covid-19 complications can quickly escalate to over $50,000 USD.
For these reasons, for the United States, we highly recommend Baraglo's Premium Plan, with its USD 100,000 limit. This amount provides the security of being covered for a serious medical emergency, including a complicated case of Covid-19. Learn more about the requirements for traveling to the United States and make sure you travel protected.
Europe and the Schengen Area: Meeting the Requirement Intellegently
For citizens of most Latin American countries, traveling to the Schengen Area does not require a visa, but there is a requirement to have medical travel insurance with a minimum coverage of €30,000 EUR (approximately USD 32,000). This insurance must cover any medical emergency, hospitalization, and repatriation. Although not always requested upon entry, immigration authorities have the right to ask for it and deny entry if you do not have it.
The good news is that our plans meet and exceed this requirement. Plan comparison: The Standard Plan ($4.99/day) offers USD 35,000 of coverage, exceeding the minimum €30,000 required for the Schengen Area. However, for greater peace of mind and due to the slight price difference, the Essential Plus Plan with USD 50,000 is an even more recommended option. Not only does it give you a broader safety net, but it also includes valuable convalescence coverage. It's the best way to purchase travel insurance for Europe and enjoy the old continent without worries.
For citizens of the Dominican Republic, Ecuador, and Bolivia, who do need a Schengen visa, this insurance is a mandatory document for the application. Our Schengen Visa Plan is specifically designed to meet all consular requirements at a competitive price of only $2.99 USD/day, with coverage of USD 30,000.
South America and the Caribbean: A Smart Investment in Your Well-being
For trips within our own region, it's easy to be tempted not to purchase insurance. However, it's a mistake that can be costly. The quality and accessibility of healthcare systems in South America and the Caribbean vary greatly. While major capitals like Santiago, Buenos Aires, or Mexico City have top-tier hospitals (though expensive for tourists), more remote or tourist areas like Patagonia, the Atacama Desert, the Amazon, or Caribbean islands may have limited healthcare infrastructure.
In these places, a Covid-19 or other illness emergency might require medical evacuation to a larger city, a cost that can be very high. Therefore, even for "nearby" trips, it is essential to have protection. Baraglo's Basic Plan ($3.19/day) with USD 20,000 coverage, or the Standard Plan with USD 35,000, are perfect and very affordable options to ensure you have access to the best possible care without derailing your budget.
How to Quote Your COVID Insurance in 3 Simple Steps
At Baraglo, we have simplified the process so you can get your travel assistance with Covid-19 coverage in minutes. Forget endless forms and confusing processes. Follow these three steps and you'll be ready to travel protected.
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Step 1: Enter Your Trip Details
Go to the Baraglo.com homepage. In our quote tool, enter your basic trip information: your destination or region (e.g., "Europe," "United States and Canada," or "Worldwide"), your trip start and end dates, and the number and ages of travelers. It is very important that you enter ages correctly, especially for those over 75, as a surcharge applies, and coverage adjusts. Click on "Quote now."
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Step 2: Compare Plans and Review Details
In seconds, you'll see a clear comparison of the plans available for your destination and dates. You'll be able to quickly view the total price and main coverages of each, such as the Standard, Essential Plus, and Premium Plans. We recommend clicking on the "View more details" button for each plan. This will display the complete list of benefits and coverage limits, allowing you to confirm that it includes everything you need, such as medical assistance for Covid-19, trip cancellation, and convalescence expenses.
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Step 3: Choose, Fill in Your Details, and Pay
Once you have chosen the plan that best suits your needs, click "Buy." You will be directed to a secure form where you must enter the personal data of each traveler (name, surname, date of birth, and passport number). Verify that the data is accurate and matches your travel documents. Finally, choose your preferred payment method and complete the transaction. Done! In an instant, you will receive your policy, assistance voucher with emergency contact numbers, and all necessary documentation in your email.
Don't wait until the last minute. An unforeseen event can happen at any time. Quote and buy your travel insurance with Covid-19 coverage today and travel with the security and support that only Baraglo can offer you.
Frequently Asked Questions
What happens if I test positive for COVID-19 just before my trip?
If your plan includes trip cancellation coverage, you can request reimbursement for prepaid and non-refundable expenses (such as flights and hotels) by presenting a positive medical diagnosis. You should contact our assistance center to initiate the claim process, providing documentation certifying the illness and proof of incurred expenses.
Does travel insurance cover the cost of a PCR or antigen test?
Generally, routine tests or those taken to meet entry requirements are not covered. Coverage is activated if a doctor prescribes the test as necessary for a diagnosis due to the presence of symptoms. That is, if you feel unwell during the trip and the doctor needs a test to confirm if it is Covid-19 and determine a treatment, the cost of that test will be covered as part of medical assistance.
Does my Baraglo insurance cover hotel expenses if I have to quarantine at my destination?
Yes, our Essential Plus and Premium plans include coverage for hotel expenses due to convalescence or mandatory quarantine prescribed by a doctor in case of a positive diagnosis during the trip. This coverage has a daily amount and a total limit, which you can consult in your policy details. The Standard Plan does not include this benefit.
Do all Baraglo plans cover COVID-19?
Yes, all our travel assistance plans treat Covid-19 as any other illness. This means that medical assistance for contagion is covered up to the maximum limit of your contracted plan. The difference between plans lies in the total amount of that coverage and in additional benefits such as trip cancellation or convalescence expenses.
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