Although pandemic restrictions have eased, COVID-19 remains a real health and financial risk when traveling. International travel insurance with COVID-19 coverage is now an essential tool...
Although pandemic restrictions have eased, COVID-19 remains a real health and financial risk when traveling. International travel insurance with COVID-19 coverage is now an essential tool to protect your health and your wallet, covering everything from medical consultations to costly hospitalizations abroad. All Baraglo plans include this protection, guaranteeing peace of mind on your next adventure.
International Travel Insurance Covering Updated COVID-19
Is COVID-19 coverage still necessary when traveling?
Yes, COVID-19 coverage in international travel insurance remains fundamental, although its nature has changed. While most countries no longer require a specific COVID-19 policy as an entry requirement, the virus has not disappeared. It remains an unpredictable illness that can affect any traveler, regardless of age or health status, and the financial consequences of contracting it abroad can be devastating.
Today, travel assistance companies, including Baraglo, treat COVID-19 like any other acute and unforeseen illness that may arise during a trip. This means that if you experience symptoms and a doctor diagnoses COVID-19, your assistance plan will cover the necessary medical expenses, from consultations and prescribed diagnostic tests to medication and eventual hospitalization, always within the coverage limit of your contracted plan.
The real reason why this coverage is indispensable lies in the exorbitant cost of medical care in many popular destinations for Latin American travelers. A simple emergency medical check-up in the United States can cost hundreds of dollars, while a hospitalization can accumulate a debt of thousands of dollars per day. The average cost of a day of hospitalization for COVID-19 in the U.S. can exceed $4,000. Our Premium plan protects you with coverage up to USD 100,000. In Europe, although public systems exist, access for tourists can be complicated and costly if you don't have adequate insurance. Therefore, having insurance is no longer a formality to pass through immigration, but a smart and responsible financial decision to protect your assets and ensure you receive the best possible care without worrying about the bill.
Essential Coverage to Be Protected Against COVID-19
To travel with the certainty that you are fully protected against a possible COVID-19 infection, your travel insurance must include a series of key coverages. These are not "special COVID benefits" but standard components of quality assistance that are activated in case you contract this disease. At Baraglo, we ensure that all our plans offer robust protection in these crucial aspects.
Medical Assistance for Illness
This is the most fundamental coverage. If during your trip you start to feel symptoms like fever, cough, or shortness of breath, and you suspect it might be COVID-19, the first thing you should do is contact our assistance center. We will coordinate a medical consultation, either via telemedicine or at a nearby medical center. This coverage includes:
- Medical Consultations: The initial evaluation by a healthcare professional.
- Tests and Diagnostic Examinations: Covers the cost of PCR or antigen tests, but only when prescribed by a treating doctor to confirm a diagnosis, not as a travel or airline requirement.
- Prescription Medications: If the doctor prescribes antivirals, analgesics, or other drugs to treat COVID-19 symptoms, the cost will be covered.
- Medical Follow-up: Subsequent consultations to monitor your progress.
Medical assistance coverage extends up to the maximum amount of the plan you have contracted. That's why it is vital to choose a plan with an adequate limit for your destination, such as our assistance for the United States with high amounts.
Hospitalization and Inpatient Expenses
If the illness complicates and requires more intensive care, this coverage is your financial safety net. A moderate or severe case of COVID-19 may require hospitalization, and the associated costs can be astronomical. This coverage is responsible for paying directly to the medical center for concepts such as:
- The hospital room.
- Intensive Care Unit (ICU) care, if necessary.
- Fees for medical specialists, nurses, and support staff.
- Use of specialized medical equipment, such as mechanical ventilators.
- Treatments and procedures performed during hospitalization.
Having robust hospitalization coverage gives you peace of mind that, in the worst-case scenario, you will have access to the best available care without this meaning a catastrophe for your personal finances. Unlike local medical insurance, international travel assistance ensures direct coverage without having to pay out of pocket abroad for COVID-19.
Medical Repatriation
Medical repatriation is vital coverage that is often overlooked. If your medical condition due to COVID-19 is so severe that it prevents you from returning to your country of origin on a conventional commercial flight, this coverage is activated. This is not a simple ticket change; it involves the coordination and payment of specialized transportation, which may be an air ambulance with medical personnel and equipment on board, to ensure your safe transfer to the most appropriate medical center in your country. Similarly, in the unfortunate event of death, this coverage also manages and covers the costs of funeral repatriation, relieving the family of a logistical and economic burden at an extremely difficult time.
Trip Cancellation or Interruption (add-on)
What happens if you test positive for COVID-19 just before your trip begins? For this eventuality, there is "trip cancellation" coverage, which is usually offered as an additional benefit (add-on). If you purchase this extra and a medical diagnosis prevents you from traveling, you can request reimbursement for non-refundable expenses you have already paid, such as flights, hotels, or tours. Similarly, if you get infected halfway through the trip and the doctor determines that you must interrupt it and return home, "trip interruption" coverage can compensate you for the portion of your trip you could not enjoy.
Baraglo Plans with COVID-19 Coverage for LATAM Travelers
At Baraglo, we understand that every trip and every traveler is unique. That's why we have designed a range of assistance plans that adapt to different destinations, durations, and budgets, with a fundamental guarantee: all include robust COVID-19 coverage as part of general medical assistance. You don't need to look for a special policy; the protection is already integrated. All Baraglo plans, starting from the Standard at $4.99/day, include COVID-19 coverage treated like any other illness.
To help you choose, here is a comparison of our most popular plans for international travel:
| Plan |
Main Medical Coverage |
Reference Price (USD/day) |
Ideal for... |
| Standard |
USD 35,000 |
$4.99 |
Travel to South America, Central America, and destinations with moderate medical costs. |
| Essential Plus |
USD 50,000 |
$5.29 |
Most international destinations, including Europe, Asia, and Oceania. Excellent coverage/price balance. |
| Premium |
USD 100,000 |
$8.99 |
United States, Canada, Japan, and any destination with high-cost private medicine. Maximum peace of mind. |
It is important to note that prices are per person per day. For travelers over 75 years old, a 50% surcharge on the plan value applies, guaranteeing the same quality and scope of coverage.
Standard Plan: Smart Protection for Nearby Destinations
With coverage of USD 35,000 for $4.99 a day, the Standard Plan is an excellent and affordable option for travel within Latin America or to countries where healthcare systems do not have as high costs as in North America. It is perfect for a vacation in Colombia, Peru, Brazil, or a getaway in Central America, providing solid protection against COVID-19 and other medical unforeseen circumstances without impacting your budget.
Essential Plus Plan: The Perfect Balance for the Globetrotter
For just a little more, at $5.29 daily, the Essential Plus Plan raises your coverage to USD 50,000. This is our most recommended plan for its incredible cost-benefit ratio. It is the ideal choice for the vast majority of international trips, including distant destinations such as Europe or Southeast Asia. This coverage amount gives you a much greater safety margin to face potential hospitalization or more complex treatments resulting from COVID-19, allowing you to enjoy your trip with complete confidence. This plan is the basis of good travel insurance for Europe.
Premium Plan: Maximum Coverage for Demanding Destinations
If your destination is the United States, Canada, or any other country known for having the highest medical costs in the world, the Premium Plan is the smartest investment you can make. For $8.99 a day, you get coverage up to USD 100,000. In a serious medical emergency such as a COVID-19 complication requiring intensive care, this figure protects you from debts that could amount to hundreds of thousands of dollars. Traveling to these destinations without coverage of this level is a financial risk that no traveler should take.
Plans for the Schengen Area: A Solution for Every Traveler
Traveling to Europe requires special consideration. Depending on your nationality, your needs may vary, and at Baraglo, we have the perfect solution.
Travelers from the Dominican Republic, Ecuador, and Bolivia
For citizens of these countries, who require a visa to enter the Schengen Area, we offer the Visa Schengen Plan. For travelers from the Dominican Republic, Ecuador, and Bolivia going to Europe, the Visa Schengen plan for $2.99/day meets the entry requirement and protects you against COVID-19. This plan is specifically designed to meet the consular requirement of a minimum coverage of €30,000 (approximately USD 30,000), including repatriation. It is the most economical and secure way to obtain your visa and travel protected.
Travelers from the rest of Latin America
If you are a citizen of countries such as Argentina, Chile, Colombia, Mexico, or Peru, among others, you can enter the Schengen Area without a visa for up to 90 days. Although insurance is not a requirement to obtain a visa, it is still an immigration requirement and, more importantly, a practical necessity. For these travelers, we strongly recommend our Essential Plus Plan as the ideal "Europe Plan." Its USD 50,000 in coverage far exceeds the minimum of €30,000, providing you with real and adequate protection against the true costs of healthcare in the old continent, including any COVID-19 complications. You can find all our plans and choose the one that best suits your complete itinerary.
How to Use Your Insurance if You Get COVID Abroad?
Knowing you have coverage is important, but understanding how to use it in a stressful situation is crucial. At Baraglo, we have simplified the process as much as possible so you can receive help quickly and efficiently, without having to worry about complex procedures or upfront payments. If during your trip you suspect you have contracted COVID-19, just follow these simple steps.
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Step 1: Contact our 24/7 Assistance Center.
As soon as you feel unwell, contact us. Don't wait for your symptoms to worsen. Our phone numbers and contact methods (such as WhatsApp or our app) are on your assistance voucher. Have your policy number and a description of your location ready. This first contact is vital to activate your coverage.
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Step 2: Describe your symptoms and follow the instructions.
A specialized operator will assist you in Spanish. Explain how you feel and since when. With this information, our medical team will assess the situation and tell you the next steps. This may involve coordinating a telemedicine consultation or directing you to the nearest and most appropriate medical center or hospital in our provider network.
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Step 3: Receive medical attention with direct payment.
Once we direct you to a provider in our network, we will take care of everything. Baraglo will coordinate directly with the hospital or clinic to manage service authorization and, most importantly, payments. This is the benefit of "direct payment": you do not have to use your credit card or pay out of pocket for medical expenses covered by your plan. You focus on recovering while we take care of the bills.
Our goal is that, in a vulnerable situation in a foreign country, you feel accompanied and supported. The key is to call us first, before taking any initiative on your own (except in a life-threatening emergency), so that we can guide you and ensure your coverage is applied most effectively.
Ready to travel with maximum protection and peace of mind? Don't leave your health to chance. Quote your travel assistance with Baraglo in less than a minute and find the perfect plan with COVID-19 coverage for your next destination.
Frequently Asked Questions
Which Baraglo international travel insurance covers COVID-19?
All our international travel insurance plans cover COVID-19 like any other unforeseen illness. Coverage includes medical assistance, hospitalization, and repatriation, according to the limits of the plan you choose.
Does travel insurance cover cancellation if I test positive for COVID before traveling?
Yes, if you add the optional 'trip cancellation for multiple causes' coverage. This benefit allows you to recover non-refundable travel expenses if a positive diagnosis prevents you from traveling.
What happens if an airline asks for a COVID test for boarding?
Travel insurance does not cover PCR or antigen tests that are requested as a travel requirement. Coverage only applies to tests indicated by a doctor after presenting symptoms during your trip.
Does my insurance cover hotel expenses if I have to quarantine?
Some plans, like our Premium Plan, include coverage for convalescence expenses. This can cover accommodation costs if a doctor prescribes mandatory quarantine after a COVID-19 diagnosis.
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