Many people still have doubts whether it is worth it or not to hire a travel insurance. With just one comparison you can already see that for those who are traveling outside Brazil, insurance is recommended.
Just one day of uninsured in the United States costs an average of $ 2,157, according to the Kaiser Family Foundation, a group specializing in health research.
Considering a trip of up to 8 days
On the other hand, the insurance policy costs, on average, US $ 13.90 per day, considering a trip of up to 8 days in the destinations most visited by Brazilians. In the annual plan, the cost per day leaves, on average, US $ 4.17, according to the simulation below made by the insurer CampInsuerOnline, with several insurance companies in the country.
Understand how travel insurance works
It is important to remember that the more time you spend at the destination, the cheaper the insurance policy gets. In addition, insurance and in addition to medical assistance he offers other coverages, such as reimbursement in case of delay or cancellation of flights, interruption or prolonged stay of travel, loss or theft of luggage and documents, among others.
CampInsuerOnline explains that there are differences between Travel Insurance and Travel Assistance. The insurance allows you to choose the hospital where you want to be cared for at the destination and will be reimbursed later. Assistance only allows you to be serviced in the accredited network listed in your policy.
Case of travel insurance offered by your card
In the case of travel insurance offered by your card, it works much like the assistance, but it is more common that the cover can only be used by the cardholder.
In short, “cheap” (not hiring) can, yes, “get expensive”. It is worth traveling protected because besides having a quick solution to any problem, the investment is much smaller.
If you are going to do interchange, it is worth checking if the insurance is no longer included in the study package. Or if they offer a cheaper policy.