This post has been updated to reflect all the great changes that World Nomads has made in recent months: now the payment is made in reais and without incident of IOF, the coverage also works on cruises and there is no longer any franchise value. Read the post to better understand why I use and point out World Nomads.
There are people who call it travel insurance, there are people who call it international insurance, but only those who have used it know that this piece of paper is also a miracle policy, because if you have something that can lead to bankruptcy, you need Medical or hospital care in a first world country.
Is it really necessary to travel with an international health insurance?
Yes, it is essential. There are hundreds of possibilities available, but regardless of your choice you have no choice but to travel unprotected: Traveling without medical travel insurance is not an economy, it’s just the shortest route between lame and regret.
And when will the country to which I will provide quality public health?
Remember that public health in a foreign country is for the public there: residents who pay for it. Tourists should be covered by international health insurance plans on any type of trip.
But what if my vaccines, exams and checkups are up to date?
Not wanting to cause excitement, but I was already run over at the airport exit 🙁
What kind of health insurance do I need?
It is important to be aware of the details of what they call international medical care. Cultural, legal, and operational assistance are interesting services, but they are not essential – even because we rarely remember to use them.
If purchased in Brazil, it is important that contracted medical care be affiliated with the Brazilian Assistance Card Association, which guarantees some quality standards when you do not have other references about it.
So does it mean that I can get international medical insurance outside Brazil?
There are companies like the Australian World Nomads that have global services offered through the internet. They are large, heavily-massed businesses around the world, so the price is usually the lowest – in addition to being sold exclusively through the internet, which eliminates the need to keep offices, employees and policy printing.
You can quote the value of your insurance by being redirected to the site or by using the blog calculator that appears in the sidebar for those who are accessing from a computer or at the bottom of the page to whom they are accessing from a mobile phone.
s it safe to take out internet travel insurance like this World Nomads for example?
Yes, it is safe. I have traveled with other medical assistance, but in the last few trips I have made all my policies for the World Nomads for three reasons: I like the convenience of buying on the internet, the price that is sharply lower and the stewardship of being the only insurance Of travel that can be hired even after leaving Brazil.
After the changes I mentioned above have been implemented in Brazil, World Nomads began to serve in Portuguese and everything is done in our language, including insurance. With this, the amounts are now charged in reais and IOF is no longer available.
What should I pay attention to before choosing insurance?
The first value you should note is “medical-hospital care by accident” and “by illness”. Each of them must cover at least $ 50,000.
If you are involved in risky sports, you must check whether this coverage is included (rarely is) or how much will be paid for the optional.
It is also necessary to confirm if the policy will cover medications prescribed during the trip, repatriation (transportation of the body in case of fatal accident), dental emergency, airfare and accommodation for a family member in case of medical necessity.
Of course any other service is at the discretion of the passenger and is always welcome.
At World Nomads they offer hospital coverage of one million reais for each registered case, plus other amounts for drug expenses, dental expenses, escort in case of need and other expenses, such as flight loss and baggage delay.
How do I use the services of my international medical assistance?
Each plan has a particular method of use: it may be necessary to contact the insurer before using it or communicate the use after the problem has been resolved. So in all cases, remember: always contact the customer service number and keep all receipts and medical prescriptions.
It is important that you read through all the details of the contracted plan: perhaps interesting and almost never used services, such as “baggage tracking in the event of loss” or “legal advice in the event of disagreements”, which are also part of the World Nomads.
It is extremely important to give the policy number to the other people who will travel with you and leave you with family members in Brazil. This is a security measure that I always take and a tip I always give!
Can I use my international health care in Brazil?
No, no policy is valid in the country where the passenger resides.
How much does it cost to travel without health insurance?
Hospital medical care is not always cheap. According to ISIS, a broken arm in the United States can cost up to $ 20,000.
And how do I get insurance for my entire family?
I already told you about it here, take a look.
What is the Schengen Agreement?
The Schengen Treaty is a convention between European countries which regulates the transit of persons in a given European geographical area. According to him, Brazilian tourists can visit Europe for up to 90 days without the use of a visa, provided they meet certain prerequisites, such as proof of lodging and return ticket.
Another criterion of the Schengen Treaty and constantly charged by immigration agents is the possession of an international medical insurance with a minimum coverage of € 30 thousand per event.