France, with its vibrant culture and stunning landscapes, has become a favorite destination for Latin American digital nomads. However, to enjoy this experience with complete peace of mind, it is fundamental to have adequate travel insurance that covers travel requirements and the particularities of their lifestyle. At Baraglo, we offer plans designed for your safety in Europe.
France, with its vibrant culture and stunning landscapes, has become a favorite destination for Latin American digital nomads. However, to enjoy this experience with complete peace of mind, it is fundamental to have adequate travel insurance that covers travel requirements and the particularities of their lifestyle. At Baraglo, we offer plans designed for your safety in Europe.
⚠️ Important: The Basic Plan (USD 20K) is not valid for travel to Europe/Schengen. The Schengen Agreement requires a minimum coverage of €30,000. For this destination, choose the Standard Plan (USD 35K) or higher.
Travel Insurance France for Digital Nomads | Baraglo
Insurance requirements for Visa to France and the Schengen Area
For many Latin American citizens —especially Dominicans, Bolivians, and Ecuadorians— who wish to settle in France or travel through the Schengen Area as digital nomads, purchasing travel insurance is a mandatory requirement for visa processing. This insurance must comply with specific parameters dictated by the Schengen Visa Code.
The main requirement is a minimum coverage of 30,000 euros (approximately USD 35,000) for medical expenses, hospitalization, and repatriation. This coverage is not a whim, but a measure to ensure that the traveler can face any health emergency without becoming a burden on the French or Schengen countries' health system. In addition, it must be valid for the entire planned stay and in all countries of the Schengen area.
It is crucial to understand that although the minimum coverage is 30,000 euros, for a digital nomad planning an extended stay or seeking greater peace of mind, it is highly recommended to opt for policies with higher coverage, such as our Essential Plus (USD 50K) or Premium (USD 100K) plans. A common cold or a minor accident may seem trivial, but medical costs in Europe are significantly higher than in many Latin American countries, making minimum coverage quickly fall short.
For those requiring a Schengen visa, Baraglo has plans that meet and exceed these requirements. Our Schengen Visa plan, for example, is specifically designed to meet the 30,000 euro coverage and ensure the approval of this indispensable requirement. For other visa-exempt Latin American travelers, our Standard, Essential Plus, and Premium plans offer superior peace of mind and are perfectly valid for entry.
When processing your visa, consular authorities usually request a travel insurance certificate. Make sure this document clearly states the coverage amount, the duration of the insurance, and its territorial validity (Schengen Area). A Baraglo insurance will provide you with a clear and internationally accepted certificate.
Get your Schengen insurance quote for your trip to France now.
Key coverages for the digital nomad lifestyle
The digital nomad lifestyle presents specific insurance needs that go beyond a traditional travel policy. Their “office” is portable, and their work tools (laptop, tablet, camera) are essential for their livelihood.
Technology and document protection
- Baggage and Personal Items: Loss or theft of baggage is a real risk. For a digital nomad, this means not only clothes, but also computer equipment. Make sure your policy covers the theft or loss of your laptop, your main work tool. Our plans like Essential Plus or Premium offer robust coverage for these types of unforeseen events.
- Travel Documents: Losing your passport or visa can lead to delays and additional costs. A good policy should cover assistance for document replacement and associated expenses.
Medical emergencies and assistance
Beyond the minimum required coverage, consider that as a digital nomad, you will be on the move and exposed to different environments. Robust insurance should include:
- Medical Expenses and Hospitalization: Coverage between USD 35,000 and USD 100,000 is ideal. Health services in France are high quality but can be extremely expensive. An emergency room visit for appendicitis or a fracture can easily exceed USD 10,000.
- Medical and Funeral Repatriation: In the event of a serious emergency, the cost of an air medical transfer to your home country can amount to tens of thousands of dollars. This coverage is indispensable.
- Repatriation or Transfer of Remains: Although it is a scenario no one wishes for, it is fundamental coverage that spares your loved ones an immense economic and emotional burden.
- Early Return: If a direct family member requires your urgent presence at home, this coverage allows you to modify your trip without incurring significant additional expenses.
Emergency medical evacuation
Imagine you are exploring the French Alps and suffer an accident that requires rescue. Medical evacuation is a coverage that guarantees transfer from the incident site to the nearest and most appropriate medical center, which may involve helicopters or specialized ambulances. It is vital for nomads who combine work and adventure.
Legal assistance and bail
In the event of an accident causing damage to third parties, this coverage can be crucial. A lawyer who speaks the local language and bail can make a difference in unexpected situations. Baraglo understands these needs, which is why our policies are designed to offer this additional peace of mind.
Real medical costs in France: why €30,000 is the minimum?
The requirement of a minimum coverage of €30,000 (approximately USD 35,000) by the Schengen Area is not arbitrary; it reflects the reality of the European health system and the high costs associated with medical care. For a constantly moving digital nomad, understanding this reality is vital for choosing adequate insurance.
The prices of medical services in France are significantly higher than in most Latin American countries. A simple doctor's visit can cost between €25 and €50 without insurance. A night of hospitalization, depending on the type of room and treatments, can easily exceed €500 or even thousands of euros. Surgical interventions or treatments for serious illnesses can amount to tens of thousands of euros.
Let's consider some examples of approximate costs without insurance in France:
- General practitioner visit: €25 - €50
- Specialist consultation: €50 - €100+
- X-ray: €50 - €150
- Night of hospitalization (common room): €500 - €1500+
- Appendectomy (surgery): €5,000 - €15,000
- Limb fracture (with surgery and rehabilitation): €8,000 - €25,000+
- Ambulance transfer: €100 - €500+
- Medical repatriation (to Latin America): €15,000 - €70,000+
These examples demonstrate that USD 35,000 coverage, although it is the minimum required, might be insufficient if a serious medical incident or prolonged illness occurs. A plan like Essential Plus (USD 50K) or Premium (USD 100K) offers a much more robust safety net, allowing the digital nomad to access the best medical care without financial worries.
Furthermore, travel insurance not only covers direct expenses but also offers the peace of mind of having 24/7 assistance in your language and coordination of medical services, something invaluable when you are alone in a foreign country. Baraglo prides itself on offering constant support to our travelers.
Protection against unforeseen events: strikes and cancellations
France, known for its rich culture and, at times, its social movements, can present unexpected challenges for travelers. Strikes, whether in public transport or airlines, and other unforeseen situations such as natural disasters, can drastically affect a digital nomad's plans. Comprehensive travel insurance, such as Baraglo's Essential Plus or Premium Plan, is your best ally in these scenarios.
Trip cancellation and interruption
This coverage is fundamental if your travel plans are affected before or during your stay. It can cover non-refundable expenses for flights, accommodation, or activities if you have to cancel your trip for a justified reason (serious illness, death of a family member, etc.). For the digital nomad, this is vital, as a flight delay or cancellation can mean missing important work appointments or days of productivity.
Flight delay and missed connections
Strikes by air traffic controllers, ground staff, or the airlines themselves are relatively common in Europe. If your flight is significantly delayed, this coverage will reimburse you for additional expenses such as meals, accommodation, and transport if you have to spend the night at the airport. If a delay causes you to miss an important connection, it can also cover the costs to resume your journey.
Loss of stay days
If a strike or other unforeseen event causes you to arrive late at your reserved accommodation, a good policy might compensate you for unused stay days. This is key protection for those who book long-term accommodation, as is often the case for digital nomads.
Additional expenses for forced stay
In the opposite scenario, if you cannot leave France (or any other Schengen country) due to a strike or border closure, your insurance might cover additional accommodation and living expenses during the time you are forced to remain at your destination. This protection is essential for a digital nomad whose flexibility is one of their greatest advantages, but which can be diminished by external events.
Baraglo understands the challenges of contemporary travel. For this reason, our advanced plans are designed to minimize the financial and logistical impact of these unforeseen events, allowing you to focus on your work and enjoy your French experience.
Get your travel insurance to Europe with Baraglo today!
How to choose your policy for an extended stay in France?
Choosing the right travel insurance for an extended stay in France as a digital nomad requires a careful evaluation of your needs, budget, and the type of activities you will be doing. Not all policies are equal, and what works for a week-long tourist may not be enough for someone planning to live and work in Europe for months.
Assess your individual needs
- Trip Duration: Policies are quoted based on trip duration. Make sure coverage extends for the entirety of your planned stay in France, and even a few extra days in case of last-minute changes.
- Planned Activities: If you plan to practice adventure sports (skiing in the Alps, surfing on the Atlantic coast), make sure your policy includes coverage for “adventure sports.” Many standard insurances exclude these types of activities, but Baraglo has flexible options.
- Pre-existing Medical Conditions: If you have any chronic medical conditions, check if the policy covers exacerbations or related treatments. Many insurances have limitations or exclusions, but some plans offer specific coverage.
- Work Equipment: As a digital nomad, your technological equipment is your livelihood. Prioritize plans that offer good coverage against theft or damage to laptops, cameras, and other electronic devices.
- Traveler's Age: For those over 75, a 50% surcharge applies. Keep this in mind when quoting, as medical assistance can be more frequent and costly at older ages.
Compare Baraglo coverages for digital nomads
Baraglo understands the demands of a digital nomad and offers tailored plans for your trip to France. Here's a comparison of the most relevant plans:
| Feature |
Standard (USD 35K) |
Essential Plus (USD 50K) |
Premium (USD 100K) |
| Price (average USD/day) |
$4.99 |
$5.29 |
$8.99 |
| Medical Assistance for Accident/Illness |
USD 35,000 |
USD 50,000 |
USD 100,000 |
| Medical and Funeral Repatriation |
Included |
Included |
Included |
| Emergency Dental Care |
Up to USD 500 |
Up to USD 700 |
Up to USD 1,000 |
| Prescription Medications |
Included |
Included |
Included |
| Baggage Theft (Max. per item) |
Up to USD 1,000 (USD 250) |
Up to USD 1,500 (USD 300) |
Up to USD 3,000 (USD 500) |
| Baggage Delay |
USD 150 |
USD 200 |
USD 300 |
| Trip Cancellation/Interruption |
Not included |
USD 2,000 |
USD 5,000 |
| Flight Delay (over 6 hours) |
USD 100 |
USD 150 |
USD 250 |
| Legal Assistance |
USD 1,000 |
USD 2,000 |
USD 3,000 |
| Legal Bail |
USD 5,000 |
USD 8,000 |
USD 15,000 |
| Adventure Sports |
Basic |
Extended |
Comprehensive |
Why hire with Baraglo?
At Baraglo, we specialize in travel insurance for Latin American travelers exploring Europe. Here are 3 concrete reasons to choose us:
- Specialized and Convenient Coverage: Our plans are designed to meet both the entry requirements for Europe and the Schengen area, as well as the specific needs of the digital nomad. We offer highly competitive prices without sacrificing the quality of coverage.
- 24/7 Support in Your Language: Traveling the world can be stressful, especially if an emergency arises. With Baraglo, you have access to a 24/7 Spanish-speaking assistance line to help you in any situation, from a medical emergency to baggage problems.
- Ease of Contracting and Solidity: Buying insurance with Baraglo is a simple and completely online process. We are backed by top-level insurers, guaranteeing that your policy is valid and recognized throughout the Schengen Area, giving you the peace of mind you deserve.
Don't travel without adequate protection. For an extended stay in France as a digital nomad, investing in good travel insurance is a smart decision that will save you worries and unexpected expenses.
Get your insurance for France and travel with complete safety!
Frequently asked questions
Is travel insurance mandatory for Latin American digital nomads in France?
For citizens of countries like the Dominican Republic, Bolivia, or Ecuador, travel insurance is a mandatory requirement to obtain a Schengen visa, which is necessary for stays in France. For other visa-exempt Latin American countries, although it is not mandatory for entry, it is highly recommended due to high medical costs and the need for protection for digital nomad work equipment.
What minimum coverage do I need to travel to France?
The minimum requirement for the Schengen area is coverage of 30,000 euros (approximately USD 35,000) for medical expenses, hospitalization, and repatriation. However, for a digital nomad and extended stays, higher coverage such as our Essential Plus (USD 50,000) or Premium (USD 100,000) plans is recommended due to the high costs of medical care in Europe.
Is my technological equipment (laptop, tablet) covered by travel insurance?
Yes, many Baraglo plans, especially the Essential Plus and Premium, include coverage for theft or damage to luggage and personal items, which can include your technological device. It is important to review the per-item coverage limits to ensure your equipment is adequately protected.
Does Baraglo's insurance cover strikes or flight cancellations?
Our Essential Plus and Premium plans offer coverage for unforeseen events such as trip cancellation and interruption, as well as flight delays. These coverages can help mitigate costs associated with transport strikes or similar situations that affect your travel and work plans.
Can I extend my travel insurance if I decide to stay longer in France?
Generally, yes, it is possible to extend the travel insurance policy, provided it is requested before the original policy expires. We recommend contacting Baraglo directly to manage the extension of your coverage and ensure there are no interruptions in your protection.
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