Traveling to new destinations is an incredible experience, but unforeseen events can happen. That’s where travel insurance comes in, guaranteeing you support and assistance in various situations during your adventure.
Travel insurance is yours key to unlock incredible experiences
in new destinations, without worries! Imagine exploring stunning landscapes, tasting exotic cuisines and immersing yourself in different cultures without the fear of the unexpected.
With the ideal travel insurance, you guarantee:
- Total peace of mind: coverage for medical and hospital expenses, early return, lost luggage and much more;
- Freedom to explore: practice extreme sports, go on adventurous walks and live every moment without fear;
- Quality service: 24-hour support in Portuguese, anywhere in the world;
- Hassle-free travel: avoid hassles and unexpected expenses that can make your trip unforgettable for the wrong reasons.
But how to choose travel insurance?
In this complete guide you will find:
- Analysis of the 5 best travel insurance for 2024: compare coverage, prices, advantages and disadvantages and find the perfect plan for you
- Valuable tips for choosing the ideal insurance: find out what factors to consider, such as coverage, accredited network, service and cost-benefit;
- Important information about travel insurance: clarify frequently asked questions and be prepared for any situation.
To help you choose the best insurance for your 2024 trip, we have prepared this complete guide with the 5 best plans on the market, highlighting the advantages and disadvantages of each one.
1. Assist Card
A major name in the market, travel insurance from Assist Card stands out for its breadth of coverage and the quality of assistance.
Benefits:
- Comprehensive coverage: from medical and hospital expenses to repatriation and early return, the Assist Card offers a complete protection package.
- 24-hour service: support in Portuguese anywhere in the world, at any time.
- Broad accredited network: with more than 700,000 doctors, clinics and hospitals around the world, you will have access to quality care wherever you are.
- Options for different profiles: individual and family plans, with different coverage values and prices.
- Solid reputation: Assist Card is an experienced and reliable company, with over 50 years of experience in the travel insurance market.
Disadvantages:
- Higher price: Compared to other plans on the market, the Assist Card may have a slightly higher cost.
- Limited extreme sports coverage: Not all plans cover adventure activities such as trekking and skydiving.
2. Allianz Travel
Allianz Travel stands out for its flexible plans and coverage for extreme sports.
Benefits:
- Customizable plans: you can choose the coverage that best fits your needs and budget.
- Coverage for extreme sports: ideal for those who practice adventure activities, such as trekking, climbing and water sports.
- Insurance option for pregnant women: Allianz Travel offers a specific plan for pregnant women, with coverage for childbirth and complications.
- Discounts for groups: plans with advantageous prices for those traveling in groups, such as family or friends.
- 24-hour assistance in Portuguese: support in Portuguese anywhere in the world, at any time.
Disadvantages:
- Smaller accredited network: Compared to Assist Card, Allianz Travel has a slightly smaller accredited network.
- Age limit for some plans: some plans have an age limit for contracting, which may be a deterrent for some travelers.
3. Promo Insurance
Promo Insurance is a more economical option with good value for money.
Benefits:
- Affordable price: one of the cheapest travel insurance on the market, ideal for those looking to save money.
- Basic coverage: offers the main coverage for medical, hospital, baggage and early return expenses.
- Option for national and international trips: you can take out insurance for trips within Brazil or abroad.
- Quick and easy online contracting: the insurance contracting process is simple and can be done online in a few minutes.
- Service in Portuguese: support in Portuguese to assist in case of doubts or unforeseen events.
Disadvantages:
- More limited coverage: compared to other plans on the market, Seguros Promo offers more basic coverage.
- Smaller accredited network: Seguros Promo’s accredited network is smaller than that of other insurers, which may make access to care in some regions difficult.
- Deductible for some coverage: Some coverage has a deductible, meaning you will have to pay an initial amount before the insurer covers the expenses.
4. Coris
Coris insurance is a good option for those looking for coverage for pre-existing conditions.
Benefits:
- Coverage for pre-existing illnesses: Coris offers plans that cover expenses for pre-existing illnesses, which can be a differentiator for those who have a health problem.
- Plans with high coverage for medical expenses: ideal for those who need insurance with a high amount of coverage for medical and hospital expenses.
- Long-term insurance option: Coris offers plans for long-term trips, with coverage for up to 365 days.
- 24-hour assistance in Portuguese: support in Portuguese anywhere in the world, at any time.
Disadvantages:
- High price: Coris plans can be more expensive than other options on the market, especially for those with pre-existing conditions.
- Smaller accredited network: Coris’ accredited network is smaller than that of some other insurers.
- More complex contracting process: Coris insurance contracting can be a little more complex than that of other companies, requiring more documentation and analysis by the insurer.
5. Mondial Travel
A cost-effective option for frequent travelers is insurance from Mondial Travel
Benefits:
- Loyalty program: Mondial Travel offers a loyalty program that rewards frequent customers with discounts and benefits.
- Coverage for unforeseen events with luggage: insurance covers unforeseen events with luggage, such as loss, theft or damage.
- Legal assistance: Mondial Travel offers legal assistance in case of problems during the trip, such as lost documents or flight problems.
- Insurance option for study trips: Mondial Travel offers a specific plan for students, with coverage for unforeseen events related to academic life.
- Discounts for purchasing in advance: you can get a discount on the cost of insurance if you purchase it in advance of your trip.
Disadvantages:
- Limited medical expense coverage: Compared to other plans on the market, Mondial Travel offers slightly more limited medical expense coverage.
- Smaller accredited network: Mondial Travel’s accredited network is smaller than that of some other insurers.
- Telephone service during business hours: Mondial Travel’s telephone service is only provided during business hours, which can be a problem for those who need help outside these hours.
How to choose the best travel insurance?
Choosing the best travel insurance depends on your needs and your traveler profile. It is important to analyze the coverage offered by each plan, the price, the accredited network and the assistance services before making a decision.
Recommendations:
- If you are looking for insurance with comprehensive coverage and good quality of service, Assist Card and Allianz Travel are good options.
- If you need long-term travel insurance or have pre-existing illnesses, Coris could be a good choice.
- If you travel frequently and are looking for a loyalty program, Mondial Travel may be interesting.
- If you are looking for affordable insurance, Seguros Promo is a good option.
Remember if:
- Carefully read the general insurance conditions before taking out it.
- Check whether the coverage offered meets your needs.
- Compare prices and plans from different insurers before making a decision.
- Take out insurance in advance of your trip to ensure your coverage.