If you are Latin and plan to travel to Europe, purchasing Schengen travel insurance is not an option, but an obligation. Whether it's to process your visa or to meet entry requirements upon arrival at the airport, you need a p...
If you are Latin and plan to travel to Europe, purchasing Schengen travel insurance is not an option, but an obligation. Whether it's to process your visa or to meet entry requirements upon arrival at the airport, you need a policy that complies 100% with European regulations. At Baraglo, we offer plans starting from $2.99 USD per day that guarantee your peace of mind and compliance with all requirements, with an immediate certificate for your trip.
⚠️ 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.
Schengen Travel Insurance for Latins | Baraglo.com
What is Schengen travel insurance and why is it mandatory for Latins?
Schengen travel insurance is a medical assistance policy specifically designed to meet the requirements established by the member countries of the Schengen Area in Europe. It is not conventional travel insurance; it must have very specific characteristics to be valid. Its main purpose is to ensure that any traveler entering the area can cover emergency medical expenses, hospitalization, or repatriation, without becoming a financial burden on the public health systems of the countries they visit.
The mandatory nature of this insurance is a crucial point that raises many questions among travelers from our region. It is essential to understand that travel insurance for the Schengen Area is a mandatory requirement for all Latin American travelers, without exception. The difference lies in when it must be presented:
- For Schengen visa applicants: Citizens of countries such as Dominican Republic, Bolivia, and Ecuador must present the insurance policy as an indispensable part of their visa application at the corresponding consulate or embassy. Without a valid insurance, the visa will be denied.
- For visa-exempt travelers: Citizens of countries such as Mexico, Colombia, Argentina, Chile, Peru, or Uruguay, although they do not need a visa for short stays, are still obliged to carry valid travel insurance. The immigration officer at the first airport of entry into the Schengen Area has the authority to request the insurance certificate. Not having it can result in denial of entry and immediate deportation.
Official Schengen insurance requirements (and how Baraglo exceeds them)
For a travel insurance to be accepted by the consular and migratory authorities of the Schengen Area, it must meet a series of very specific conditions. Not just any policy will do. A valid Schengen insurance must have a minimum medical coverage of 30,000 euros, be valid in all member states, and cover medical and mortal remains repatriation. Below, we break down the official requirements and how Baraglo's plans not only meet them but also exceed them for your complete peace of mind.
- Minimum coverage of 30,000 EUR: The policy must cover, at a minimum, the equivalent of 30,000 euros in medical assistance. Our recommended plans for Europe start at $30,000 USD (equivalent to and exceeding the minimum).
- Medical and mortal remains repatriation: Coverage must explicitly include the costs of repatriation to the country of origin for serious medical reasons and the transfer of mortal remains in case of death.
- Validity throughout the Schengen Area: The insurance must be valid for the entire duration of your stay and in all 27 countries that make up the Schengen Area, even if you only plan to visit one or two.
- Zero deductible: The policy must have no deductible. This means that the insurer covers expenses from the first euro, without you having to pay an initial out-of-pocket deductible.
At Baraglo, all our plans for Europe are designed to exceed these demands. Here you can see a clear comparison:
| Feature |
Official Schengen Requirement |
Schengen Visa Plan (Baraglo) |
Standard Plan (Baraglo) |
Essential Plus Plan (Baraglo) |
| Medical Coverage |
€30,000 Minimum |
$30,000 USD |
$35,000 USD |
$50,000 USD |
| Medical/Funeral Repatriation |
Included |
Included |
Included |
Included |
| Territorial Validity |
All Schengen countries |
Worldwide (except country of origin) |
Worldwide (except country of origin) |
Worldwide (except country of origin) |
| Deductible |
$0 |
$0 |
$0 |
$0 |
| Requirement Compliance |
- |
100% Guaranteed |
100% Guaranteed (Exceeds) |
100% Guaranteed (Ample) |
Baraglo's Schengen insurance plans for your trip to Europe
We understand that every Latin traveler has different needs. That's why we have designed a range of products that perfectly adapt to your type of trip and budget, always ensuring compliance with Schengen regulations. It is important to note that our Basic Plan with $20,000 USD coverage is not suitable for Europe, as it does not meet the minimum requirement of €30,000. Below, we present the ideal plans for your European adventure.
Schengen Visa Plan ($2.99 USD/day)
This plan is tailor-made for those who need to meet a consular requirement. Baraglo offers a Schengen Visa Insurance plan from $2.99 USD per day, fulfilling all requirements for citizens of the Dominican Republic, Bolivia, and Ecuador. With coverage of $30,000 USD, it is the most economical and efficient option to attach to your visa application. It gives you exactly what the consulate demands: sufficient medical coverage, repatriation, and full validity, without paying extra for benefits you might not need for the process. If you are looking for more information about countries that need a Schengen visa, you can consult our blog.
Standard Plan ($4.99 USD/day)
Our recommendation for the vast majority of Latin travelers, especially for those exempt from a visa (Mexicans, Argentines, Chileans, Colombians, etc.). For a small price difference, you elevate your coverage to $35,000 USD. This extra gives you a much greater margin of security against more costly medical unforeseen events and allows you to travel with greater peace of mind. Additionally, the Standard Plan usually includes additional coverages such as assistance for lost luggage, making it the best cost-benefit option to protect your trip comprehensively.
Essential Plus Plan ($5.29 USD/day)
If you are looking for even more robust protection without a big jump in price, the Essential Plus Plan is the perfect option. For just cents more per day than the Standard Plan, you increase your main medical coverage to $50,000 USD. This plan is ideal for travelers who want an extra layer of security, families, or people with a controlled pre-existing condition, as it offers a significantly larger financial cushion to face any medical eventuality in Europe, where healthcare costs can be very high.
Premium Plan ($8.99 USD/day)
For the traveler who leaves nothing to chance. With medical coverage of $100,000 USD, the Premium Plan gives you the maximum protection available. This plan not only backs you up in serious medical emergencies but also includes much broader coverage for trip cancellation or interruption, higher sums for lost luggage, legal assistance, and other benefits designed to protect every aspect of your travel investment.
Important note: Prices shown are per person, per day. For travelers over 75 years of age, a 50% surcharge applies to the value of the chosen plan to guarantee full coverage.
Travelers from Mexico, Colombia, Argentina, and more: Do I need insurance if I don't require a visa?
The answer is a resounding and clear: YES, it is mandatory. This is one of the most common and dangerous confusions for Latin travelers from visa-exempt countries. Visa exemption allows you to arrive at the Schengen Area border without prior processing, but it does not exempt you from complying with entry requirements. Travel insurance is one of them.
Upon arrival at passport control in Madrid, Paris, Rome, or any other point of entry, the immigration officer has the legal authority to request several documents from you to demonstrate the purpose and solvency of your trip. These include:
- Valid passport.
- Round-trip ticket.
- Hotel reservations or invitation letter.
- Proof of sufficient financial means for your stay.
- And your travel insurance certificate with minimum medical coverage of €30,000.
Failure to present a valid policy can be interpreted as not meeting the conditions for entering the territory. The consequences are serious: denial of entry, being held in an airport inadmissions room, and being put on the next flight back to your country. To avoid this scenario that would ruin your trip, it is essential that you purchase adequate insurance. For travelers from countries such as Mexico, Argentina, or Colombia, Baraglo's Standard Plan with $35,000 USD coverage is recommended to meet the entry requirement and have greater peace of mind. If you want to know all the requirements for traveling to Europe from Latin America, we recommend you read our detailed article.
Key coverages that protect you on your trip through Europe
Beyond being a simple requirement, good travel insurance is your main ally against the unforeseen. An accident or sudden illness abroad can quickly turn into a logistical and financial nightmare. Baraglo's plans protect you with essential coverages so you only have to worry about enjoying yourself.
- Medical assistance for accident or illness: Covers all expenses arising from an emergency, including medical fees, examinations, surgical interventions, prescription drugs, and hospitalization.
- Emergency dentistry: Covers treatment to relieve acute dental pain or infection.
- Medical repatriation: If you suffer a serious accident or illness that prevents you from continuing your trip, the insurer arranges and covers your transfer back to your country of origin in an air ambulance if necessary.
- Repatriation of mortal remains: In the unfortunate event of death, the company is responsible for managing and covering the costs of transferring the body back home, relieving your family of this complicated and costly process.
In addition, by choosing higher plans such as Standard, Essential Plus or Premium, you get access to additional benefits that protect your investment and your belongings:
- Baggage coverage: Receive financial compensation in case the airline loses or damages your checked baggage.
- Trip cancellation or interruption: Recover non-refundable expenses of your trip if you have to cancel or interrupt it due to a covered force majeure (such as a serious illness of yourself or a direct relative).
- Legal assistance: Support with lawyer fees in case you are involved in a traffic accident.
Get your Schengen certificate with Baraglo in less than 5 minutes
Getting your travel insurance for Europe has never been so easy and fast. At Baraglo, we have simplified the process so you can have your certificate in minutes, ready to present at the consulate or airport. Forget about paperwork and waiting.
- Enter your details: Go to our quote tool, indicate your country of origin, your destination (Europe/Schengen), and the exact start and end dates of your trip.
- Compare and choose your plan: Our system will show you the plans that meet the requirements. You can compare the Schengen Visa, Standard, Essential Plus, and Premium Plans. Choose the one that best suits your needs.
- Complete the information and pay: Fill in the travelers' data and make the payment 100% securely through our online payment gateway.
- Receive your policy instantly: In less than a minute, you will receive the complete policy and the Schengen insurance certificate in PDF format in your email. The certificate clearly indicates the $30,000 USD (or higher) coverage and compliance with all requirements. Just print it and you're good to go!
Ready to travel protected and worry-free? Don't risk your entry to Europe or your peace of mind. Quote your Schengen insurance now with Baraglo and get your certificate in less than 5 minutes.
Frequently asked questions
How much does travel insurance for the Schengen area cost?
At Baraglo.com, you can get travel insurance that meets all Schengen requirements from just $2.99 USD per day. This price corresponds to our Schengen Visa Plan, ideal for those who need to process their visa.
Which Latin American countries need a Schengen Visa?
Currently, citizens of the Dominican Republic, Bolivia, and Ecuador need to apply for a Schengen visa to travel to Europe. Our Schengen Visa Plan is specifically designed to meet the requirements of this application.
Is my credit card insurance valid for traveling to Europe?
Generally not. Credit card insurance usually has coverage below the required €30,000, may have high deductibles, and does not issue the specific certificate requested by consulates and immigration agents.
What happens if my Schengen Visa is denied? Will my insurance be refunded?
Yes. If you purchased your travel insurance with Baraglo for your visa application and it is denied, we offer a refund of your money. You only need to present us with the denial letter from the consulate.
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