travel insurance for brazil

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On This Page

• KEY TAKEAWAYS

Do I need travel insurance to visit Brazil?

Why we like these brazil travel insurance plans, how much does travel insurance for brazil cost, what does travel insurance for brazil cover, what isn’t covered by travel insurance for brazil, tips for getting the best brazil travel insurance, brazil travel information & requirements, faqs: brazil travel insurance, related topics.

Travel Insurance for Brazil: Plans & Coverage 2024

• The US Government recommends medical travel insurance for trips to Brazil as US health plans don’t work abroad.
• Our analysis shows the best travel insurance plans for Brazil come from Tin Leg , Seven Corners, Generali, & Travel Insured ( skip ahead to view these plans ).
• Medical-only travel insurance for Brazil starts as low as $1 per day and often includes coverage for medical treatment and medical evacuation.
• For a few more dollars per day, opt for comprehensive travel insurance to get you extra benefits like trip cancellation and interruption insurance, baggage insurance, and trip delay coverage.
• Try using our online comparison tool to analyze multiple policies at once and find the best deal.

Our top picks for travel insurance for Brazil

Seven Corners

Travel insured international.

Brazil no longer requires visitors to have private insurance or travel health insurance, but The US Government recommends having supplemental travel insurance in place for medical-related scenarios, at a minimum.

Look for coverage that meets or exceeds $250k for travel medical coverage, and $250k for medical evacuation coverage. Most US health insurance won’t work abroad – including Medicare and Medicaid.

Affordable & Comprehensive Coverage

Why we like it.

Editor's take

Tin Leg Gold is one of the top-selling travel insurance policies among LA Times visitors thanks to its extremely comprehensive coverage at affordable prices.

With the Tin Leg Gold plan, you’ll have high enough medical overage limits for both emergency medical treatment and medical evacuations back to the United States.

Tin Leg also boasts one of the highest customer satisfaction ratings in the business and offers premium coverage for things like trip cancellations and interruptions, delayed or lost baggage, and travel delays.

We’re sure you’ll love this plan.

See our full Tin Leg review

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value for Medical Emergencies

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• 24/7 emergency travel assistance included
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best Value for Robust Coverage

Generali global assistance.

• High emergency medical and medical evacuation coverage
• Cancelation & interruption coverage
• Offers hurricane and weather coverage
• Extensive loss or delay coverage.
• No pre-existing condition coverage

Common Brazil travel risks insurance can cover

Brazil is a huge country offering endless opportunities for various types of travel. Here are some of the main risks to watch out for when visiting Brazil that a comprehensive travel insurance policy can help cover.

Local crime & petty theft

The U.S. Department of State warns visitors to Brazil to be on the lookout for crime including robberies, gang activity, violent crime (murder and kidnapping), and sedative-related assaults.

Do not take food or drink from strangers, and do not take public transportation. Avoid traveling alone and stay away from beaches and other isolated areas at night.

Travel insurance can reimburse you for belongings if you fall victim to robberies and help you receive timely and affordable medical attention if you are injured or hurt as a result of a crime.

Medical risks

Brazil is home to the Amazon rainforest which is one of its most stunning natural attractions. That means Brazil is also home to fauna that can sting, bite and infect. Mosquito-borne diseases like zika, malaria, dengue fever, and more are risk factors to consider when visiting Brazil.

Water-related illness is also common among travelers including dehydration and gastrointestinal illnesses. Medical facilities in some parts of Brazil may be far away or not up to US medical standards.

Travel insurance can get you access to quality healthcare and medically evacuate you back to the United States if you are seriously ill.

Dangerous weather conditions

Brazil is prone to heavy rainfall, and with all that rain comes a higher likelihood of dangerous weather conditions and natural disasters like flash floods and landslides.

Imagine you’ve made your way to Brazil in the rainy season only to find out that your itinerary is completely scuttled due to landslides blocking the principal thoroughfares in and out of your host city.

The right travel insurance policy could get you evacuated from Brazil and repatriated to the United States without plunging you into financial ruin.

The average cost of travel insurance for Brazil is around $12 per day. This is based on sales data from LA Times users who visited Brazil over the last year. Travelers spend an average of $203 on travel insurance for Brazil with an average trip length of 17 days.

That said, most travelers opt for comprehensive travel insurance which costs a bit more. The cheapest travel insurance for a trip to Brazil can cost around just $1 per day for fundamental coverage.

Brazil travel insurance cost examples

To help you better understand how much travel insurance costs for a trip to Brazil, we pulled sample quotes for a 35-year-old visiting Brazil for 7 days with a total trip cost of $2,000.

Below, our price quotes for basic medical-only travel insurance show that these plans range from just under $1 per day to $6 per day.

Cost Examples of Medical-only Travel Insurance

A comprehensive travel insurance policy that also includes trip cancellation and trip interruption coverage will cost you a bit more. We found these plans cost from around $7 to $11 per day.

Cost Examples of Comprehensive Travel Insurance

Your premiums for travel insurance to Brazil will depend on an assortment of factors, including:

• Your current health
• The length of your trip
• The amount of coverage you want

Travel insurance policies for Brazil may offer a wide range of benefits, with the exact coverage dependent on the policy you choose and the insurance company you partner with.

We recommend you consider the types of coverage below when looking for a comprehensive travel insurance plan .

Trip cancellation insurance

Trip cancellation insurance can help you cover the costs of non-refundable deposits if your long-awaited trip to Brazil is suddenly kaput before you ever get to step foot on a plane. If the reason you must cancel is considered a covered event under your policy, you won’t lose out on anything you’ve prepaid.

If you want to ensure you’re covered for any type of cancellation, consider purchasing cancel for any reason (CFAR) insurance . This type of coverage will reimburse you for around 50% to 70% of your prepaid travel expenses in the event you have to cancel for any reason at all.

Trip delay insurance

If bad weather or staffing issues cause you to miss a connection on your way to Rio, trip delay insurance may cover costs you incur while you wait (hotel, airport snacks, etc.). It also covers fees you paid for events, like your tour of Iguazu Falls, that you missed out on because of the delay.

Note that trip delay insurance usually has a waiting period before it kicks in , so you may have to wait six or 12 hours past your expected departure time before you can make a claim.

Trip interruption insurance

Imagine you’ve successfully made it to Brazil when you get an emergency phone call and you need to get home ASAP. If this situation is covered by your insurance provider, you could be reimbursed for things like last-minute airfare and the non-refundable hotel fees.

Travel medical insurance

Brazil has a government-funded health insurance scheme called the Single Health System, or Sistema Único Saude (SUS). The SUS gives locals access to free public health services and certain private providers, but those rights do not extend to tourists .

Travel medical insurance has your back whether you trip and twist your ankle hiking to the Christ the Redeemer statue or get the flu.

Medical evacuation insurance

If your illness or injury is bad enough, you may need a medical evacuation to help you get out of South America and back home safe and sound. Coverage that includes medevac services  comes in handy if you’re seriously injured and/or are facing long-term recovery times. You’ll be more comfortable in a hospital close to friends and family, and being airlifted to an advanced or specialized trauma center can be costly without adequate coverage.

Insurance for personal items

Before you choose a policy, see if your insurer offers coverage for baggage and personal items. This type of benefit would include reimbursement if you had your purse, backpack or suitcase stolen at the airport or the back of your chair while you were dining out for lunch. Some policies also cover damage in the event your laptop takes a nosedive or all your clothes are covered in tire marks because a shuttle bus annihilated your luggage.

Rental car coverage

You may be able to get rental car coverage as part of your main policy or as an add-on. This type of liability insurance covers the loss of a vehicle, theft and damage.

All travel insurance plans have exclusions, so read the fine print before you sign on with a potential insurer.

Often, these exclusions reference foreseeable events (like you intentionally traveled to a country that was recently hit by a hurricane) or pre-existing conditions (like if you have a known heart problem and it flared up while you were dancing up a storm at Carnival).

Other possible exclusions include trip cancellations or interruptions due to:

• Dangerous activities

To save money on your Brazil travel insurance, keep these expert tips in mind:

Check for discounts.

Ask your insurer about discounts for students or seniors .

Adjust your coverage limits.

Opt for a higher deductible in exchange for a lower premium.

Bundle your coverage.

If you travel often, explore  multi-trip insurance to bundle coverage and save.

Shop around.

Use an online comparison tool to view multiple options at once and find the best deal.

Are there COVID-19 restrictions for U.S. tourists?

While Brazil had some COVID-19 related travel restrictions in place at the height of the pandemic, U.S. citizens are now free to enter the country without proof of vaccination. They also do not have to take a COVID test.

Do I need a visa or passport to travel to Brazil?

All U.S. citizens need to have a passport on hand to travel to and enter Brazil. Beginning April 10, 2024, you’ll also need a visa or e-visa if you want to visit Brazil. The new visa requirements apply to all kinds of travel.

Is it safe to visit Brazil?

The U.S. Department of State has issued a travel advisory for Brazil, putting the country at a travel advisory of “ Level 2: Exercise Increased Caution ”. This advises tourists visiting Brazil to “exercise increased caution.” The chief concern is the uptick in violent crime, in particular robbery and assault.

There are also several areas with a travel advisory of “ Level 4: Do Not Travel ”:

• Areas within 100 miles of Brazil’s border with other countries, like Venezuela and Colombia
• The satellite cities or administrative regions of Ceilandia, Sao Sebastiao, Paranoa and Santa Maria
• Certain informal housing developments in Brazil (sometimes called favelas, vilas, comunidade or conglomerado) rife with gang-related activity

When is the best time to visit Brazil?

October and November are widely considered the best months to visit Brazil. Temperatures are mild, the beaches aren’t overly crowded and you’ll avoid both the rainy season (January to July) and the soaring temps associated with the earlier parts of the dry season (May to November).

Is travel insurance required for Brazil?

Travel insurance is not required for entry into Brazil, but it is recommended. Benefits like travel cancellation insurance, medical insurance and evacuation benefits can help the policyholder navigate difficult situations without severe financial challenges.

Do you need medical insurance in Brazil?

While medical insurance isn’t required for those visiting Brazil, it is recommended. The United States does not pay for medical bills incurred by U.S. citizens abroad, and you can’t use your U.S. health insurance in Brazil either. Travel insurance policies that include medical coverage can help you if you get sick or hurt while traveling.

Can tourists get free healthcare in Brazil?

The Brazilian SUS gives free health care to citizens but not to tourists. It’s recommended that visitors to Brazil have their own private health insurance or travel insurance policy with medical coverage in case of illness or injury.

About the Author

Alana Luna (Musselman) is a versatile storyteller with over a decade of writing experience. She is passionate about helping people build their business through unique and engaging content.

Some examples of her current freelance projects include building content strategies for small businesses, completing industry research to build case studies, crafting buyer guides and more.

She has a passion and keen ability to simplify complex ideas through storytelling to make it easier for readers to understand hard-to-digest information. To accomplish this, Alana’s writing holds strong three principles – content that educates, engages and entertains.

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Brazil Travel Insurance

Travel insurance for brazil.

Brazil is a land of vibrant cultures, breathtaking landscapes, and rhythmic beats that entice travelers from across the globe. With its pulsating rhythms of Carnaval in Rio de Janeiro, majestic Amazon rainforest's biodiversity, the iconic Christ the Redeemer statue in Rio de Janeiro, Brazil offers a myriad of experiences awaiting exploration. Embarking on a journey to Brazil promises unforgettable adventures, but ensuring you have adequate coverage and assistance for your trip involves considering travel insurance coverage. Whether it's assistance for trip cancellations, delays, or unexpected mishaps, understanding travel insurance can offer coverage and clarity for a smooth Brazilian escapade. In this guide, let's explore what options you have when it comes to travel insurance and what benefits it provides you for a safe trip.

• What should your Travel insurance cover for a trip to Brazil? 

How Does Travel Insurance for Brazil Work?

• Do I need Travel Insurance for Brazil? 

How Much Does Travel Insurance Cost for Brazil?

• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to Brazil?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to brazil.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Brazil.

Imagine walking through the streets of Rio de Janeiro when the heat of the day gets the better of you. You are overcome with heatstroke and require medical assistance. With travel insurance coverage, your policy offers assistance and coverage wherever and whenever you are, ensuring you receive the necessary care. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for Brazil?

Brazil does not mandate travel insurance for entry. Nevertheless, given the uncertainties of international travel, we strongly advise obtaining a travel insurance policy for your Brazil trip. Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in Brazil, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Brazil will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Brazil hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan not only provides support for emergency medical expenses but also includes additional benefits like Collision Damage Waiver for rental cars and coverage for Sports Equipment Rental up to $1000.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three essential types of medical expenses:

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Offers assistance in unexpected situations such as political unrest or natural disasters, ensuring safe and timely relocation to a secure location or repatriation back home. 

There are currently no COVID‑19 entry restrictions for travelers heading to Brazil, which means there are no requirements for testing, vaccination, quarantine, or entry forms.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,   

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to Brazil?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in Brazil?

Travel insurance isn't mandatory for U.S. citizens visiting Brazil. Yet, whether capturing Christ the Redeemer's beauty or surfing at Recife Beach, having travel insurance can assist in recovering unexpected expenses.

4.What is needed to visit Brazil from the USA?

To visit Brazil from the USA, you'll need: A valid passport with a minimum validity of six months beyond your planned departure date. A Brazilian visa, which is now available through an electronic visa program for U.S. citizens.

5.What happens if a tourist gets sick in Brazil?

If you become sick in Brazil, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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7 Best Brazil Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Brazil travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE BRAZIL

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Brazil travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  POLICY FOR

Fast Claims

• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Super fast claims via their 100% digital platform with a helpful mobile app
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

• Easily filter for the features you want and get support from their award-winning

Brazil travel insurance FAQs

Is it worth buying “cancel for any reason” insurance.

Cancel for Any Reason (CFAR) is an optional coverage that you can tack on to your primary policy. It’s perfect for those who want added flexibility for travel and protection for the financial investment they make in their vacation. It allows travelers to do just as it says: cancel for any reason beyond the approved ones stated in their standard policy. This sort of coverage usually guarantees you a 75% refund of all your non-refundable trip costs.

How can I find the cheapest Brazil travel insurance plan?

First and foremost, I encourage all travelers to read a policy’s details in full before buying it. After all, there is no point in purchasing a plan that does not meet your Brazil travel needs, even if it is the cheapest. To find the best deal on a policy that gives you the coverage you want, I suggest using comparison sites such as withfaye.com since it gives you the option to filter for various benefits and sort appropriate policies by price.

What are eligible trip delay expenses?

Trip delay benefits usually cover basic expenses, including meals, hotels or other local accommodations, ground transportation and internet service fees. Your policy will state a per diem amount for each insured traveler to which you will be entitled until you use the maximum trip delay benefit amount. Most Brazil travel insurance plans offer $150-$200 daily.

Will my trip insurance provider reimburse me for a 2-hour flight delay?

Most trip insurance plans require you to experience at least a 3-hour trip delay before you become eligible. Of course, some policies will set that minimum at 6 to 12 hours. Regardless of the time requirements, delays must be for covered reasons such as aircraft maintenance, inclement weather, air traffic, etc. The specifics will differ between providers, so be sure to verify the full terms regarding trip delay for any policy before purchasing it.

Will my Brazil travel insurance reimburse me for emergency dental work?

Brazil travel insurance policies only allow minimal emergency dental care coverage, usually ranging from $100 to $750. Your provider will only extend coverage to natural teeth, excluding crowns, bridges and false teeth. Do not expect coverage for cleanings and exams, as these do not fall under emergency dental services. Keep in mind that insurance companies put strict time limits on when you can have dental work performed in relation to the initial incident that brought on the need for it. Always read your policy’s full details, and contact your provider should any information remain unclear.

If I forget my laptop on a train or plane, will my travel insurance policy cover the loss?

Most travel insurance plans offer minimal coverage for electronic devices, usually around $500 per item that is lost, stolen, or damaged. For this reason, I recommend reading the full details of any policy you are interested in before buying it to determine if your laptop would fall under coverage if lost or stolen. You can also ask the provider if they offer any upgrades or policy riders that give extra protection in such situations.

How do I go about filing a travel insurance claim?

To file a claim, visit your travel insurance provider’s website and scroll down the footer. You should see a link that says “Claims,” “File a Claim” or something to that effect. Once you click on this, it will guide you through all of the necessary steps, including letting you know the documentation you will need to submit. That said, trip insurance companies also allow you to submit your claims through the mail if need be.

How is baggage loss defined? What do baggage loss benefits entail?

Baggage loss benefits go into effect if your luggage or personal possessions are lost, stolen, damaged or destroyed during travel to, in and from Brazil. You are eligible for these benefits should you check your luggage with a travel supplier, hotel or common carrier. Your insurer will reimburse you up to your policy’s Maximum Benefit Amount minus whatever the responsible party reimburses you. The Maximum Benefit Limits you see listed in your policy are per person and are the most your trip insurance provider will reimburse you should any of your personal effects be lost, stolen, damaged or destroyed. However, it is essential to note that two other factors will affect the amount your provider will reimburse you. The first is a Per Article Benefit, which you can most receive as compensation for any of your belongings that may have been lost, stolen, damaged or destroyed. The second is the Combined Article Limit, which applies to specific items such as electronic devices, jewelry, furs, watches, etc. Electronic devices include laptops, smartphones, tablets, cameras and more. As a result, if you lose any of these items or more than one, the highest amount you can get reimbursed, irrespective of their total value, is the dollar amount listed in your plan as the Combined Article Limit. That said, your policy may not have a Combined Article Limit, depending on your state of residence. Let’s explore these benefits through a hypothetical situation. Imagine your trip insurance plan has a Maximum Benefit of $2,500, a Per Article Limit of $500 and a Combined Article Limit of $500. Should something happen to your luggage, your insurer will reimburse you up to $500 per item, depending upon each item’s value. The total reimbursement cannot exceed $2,500. Let’s say you lose a designer handbag valued at $650. You will receive a $500 reimbursement, even if you haven’t reached your Maximum Benefit Limit. Next, let’s look at the Combined Article Limit. If you lose your laptop valued at $700 and a smartphone valued at $200, the most you will receive from your insurer is $500 because both items fall under the Combined Article Limit. Keep in mind that insurance companies require you to have proof of ownership to demonstrate that you incurred a loss. Having receipts or demonstrating the items’ current value is also helpful in the claims process. Of course, photographs of the items, letters from the responsible party and police reports are also essential. Before purchasing any policy, we recommend reading the full details so that you know what to expect should anything happen to your baggage once you leave home for your vacation in Brazil.

Most common problems while traveling in Brazil and how to avoid them:

The most common illness among tourists in Brazil is traveler’s diarrhea. Symptoms typically appear within 2-6 hours after consuming contaminated water or food. Aside from diarrhea, other symptoms may include chills, fever, bloating, body aches, stomach cramps, and vomiting. Since traveler’s diarrhea can quickly leave you dehydrated, you must seek medical care as soon as possible and do your utmost to boost your water intake. If you are exploring the cities and towns along the Amazon via riverboat, do not eat any buffet meals, even if they are included in your ticket fare, as they are often a source of traveler’s diarrhea. Instead, pack plenty of snacks that travel well for a few days, such as nuts, dried fruits, and apples, and buy all your meals from the kitchen selling made-to-order meals. You can reduce your risk by drinking only bottled water, avoiding drinks with ice, and not eating pre-peeled and pre-cut fruits or uncooked or rare meat. Should you plan to prepare any of your meals, only use bottled or boiled (then cooled) water to wash the produce. Heatstroke (aka sunstroke) is another ailment that visitors to Brazil often develop, and its symptoms often resemble many of those of traveler’s diarrhea, and it is equally as dangerous. Therefore, if you experience any of the symptoms mentioned earlier and start feeling disoriented, go to the hospital immediately. That said, you can take a few precautions to keep yourself safe. First and foremost, drink plenty of hydrating liquids such as water, herbal tea, and freshly pressed juices, and go easy on dehydrating ones such as alcohol, sodas, coffee/tea, or other caffeinated drinks. Consuming high-quality raw fruits and vegetables will also help keep you hydrated. Second, stay out of the sun during the peak heat, which usually occurs mid-afternoon. Third, be sure to rest plenty during the hottest months, January-April. Over-exertion without proper rest and fluid intake can lead to heatstroke. Yet another two illnesses that often plague travelers are dengue fever and malaria. Both of which are viruses transmitted via mosquito bites. Unlike traveler’s diarrhea, dengue fever can leave you bedridden for several weeks or months. If you start vomiting or come down with a fever and neither symptom persists within 48 hours, get to the hospital immediately. Again, being under medical supervision is critical to your health and survival. Additional symptoms of dengue fever include extreme fatigue, swollen lymph nodes, intense muscle pains, rashes, abdominal pains, eye aches, and more. With dengue, blood platelet counts can drop dangerously low to the point of internal hemorrhaging. If you check in to a hospital, doctors can at least put you on the appropriate medications, monitor your vitals, and keep you hydrated intravenously. Malaria symptoms are similar to those of dengue fever, but the major difference is that there are preventative medications you can take before you depart for your trip to Brazil. Malaria is also life-threatening, so if you experience any of the symptoms mentioned above, seek medical care as soon as possible. To minimize your chances of contracting dengue fever or malaria, use a strong insect repellent (ideally containing DEET) and be sure to spray it on the bottoms of your feet. Also, steer clear of standing pools of water where mosquitoes congregate, and use a mosquito net over your bed if you are staying somewhere in which the windows are open.

The most common accidents for tourists in any country are tripping and falling. These can lead to twisted wrists or ankles, broken bones, cuts, and bruises. Other accidents involving tourists are the result of riding mopeds or driving cars, as Brazilian drivers tend to be unpredictable, road signage is limited, and potholes are abundant. In Brazil, visitors often participate in the many exciting adventure sports and activities available, such as surfing, hiking, mountain biking, scuba diving, hang-gliding, kayaking, and canoeing. As a result, broken bones, open wounds, and fainting are potential injuries. More serious ones, such as drowning or falling off a cliff, are possible but far less likely.

Muggings and pickpocketing are relatively common in bigger cities, particularly at night. While most visitors to Brazil have no issues at all, you still need to stay aware of your surroundings and exercise caution. Avoid wandering into the slums (favelas) of any city. Study a map to get the lay of the land before you head out exploring since wealthy neighborhoods and favelas often sit side-by-side. A lot of gang activity occurs in these areas, so you must avoid them at all costs. To take extra precautions, you can limit what you carry with you as you’re out sightseeing. Another travel tip is to keep your belongings within your vision and close to your body. Do not allow yourself to be distracted by people who try to get your attention. Chances are they are working in pairs so that while one distracts you, the other pickpockets you or steals your bag. At night, stay in well-lit areas where other people are around. The US Department of State advises against travel within 100 miles of Brazil’s borders due to high crime levels, including violent crime. Check out the Department of State’s Brazil Travel Advisory page for more details.

Emergency resources for Brazil

Phone numbers.

In an emergency, dial 190 to reach the police, 192 for the ambulance, and 193 for fire services.

US embassy or consulate details

The US has an embassy in Brasilia, an embassy branch office in Belo Horizonte and consulates in Recife, Rio de Janeiro, São Paulo and Porto Alegre. You can visit the Embassy’s website for their phone number, address and information regarding citizen services. If you want to err on the side of caution, you can list your vacation with the Embassy and enroll in the Department of State’s Smart Traveler Program . Registering your trip will keep you abreast of Brazil’s security and travel advisories. It will also enable the Embassy to communicate with you or your relatives in an emergency.

Other local knowledge that is helpful for travelers:

Communication.

Travelers to Brazil will find in-country and international communication relatively easy. After all, it ranks second in Latin America for the fastest high-speed broadband. Almost all hotels offer internet access on the premises, either free or for a fee, and most larger cities have Cyber Cafés all over. As for phones, hotel rooms usually have them but expect to pay a premium, even for local calls. There are also public pay phones, known as orelhões (direct translation: big ears due to their appearance), throughout the country from which you can call anywhere in the country or abroad. Should none of these options suit your travel needs, you can look into booking a “pocket WiFi” before you arrive in Brazil or get an international roaming plan from your US mobile phone carrier.

The Brazilian currency is called the real (BRL or R$), and the plural is reais (pronounced hay-ice). One real (pronounced hay-al) is divided into 100 centavos. Credit and debit cards with Mastercard and Visa symbols are widely accepted in cities throughout Brazil but less so in more rural parts of the country. However, it’s not very common for businesses to accept American Express. Therefore, I recommend having some cash on hand for tips, taxis and the smaller businesses or street vendors that do not accept credit cards. You will find ATMs at your arrival airport in Brazil and throughout the country. They are known as caixa eletrônico. To avoid falling prey to skimming scams, only use ATMs inside banks. You will get the best exchange rate using your US debit card in Brazil to withdraw cash, even after factoring in fees. Remember to notify your bank of your travel destination and dates before leaving home so they don’t block your card. Be sure that all your debit and credit cards have chips and that you know each of their PINs. If your cards do not have chips, you will want to request new cards from your banking institutions. To pay by card in Brazil, you must insert your chip card and enter your four-digit PIN for all purchases. Swiping is often not an option with their card processing machines.

Getting Around

Getting around the world’s 5th largest country is much easier than you may think. Public transportation within Brazil’s major cities consists of a metro, bus system, vans and (occasionally) trains. Moving around the country is quickly done via affordable flights, a very cheap bus network, and some trains and boats. Keep in mind that any Brazilian metro can be challenging to navigate. Therefore, it’s always best to plan your journey before leaving your hotel or accommodation so that you can remain alert while out in public. The metro tends to be quite safe, but expect crowds at all times of the day. Rental cars are available from numerous local companies such as Localiza, Unidas and Movida, along with reputable US-headquartered companies like Hertz, Budget, Alamo, National and Avis. Be aware that driving in Brazil is not necessarily advised, though some tourists do so. However, it may be the best option if you’re planning to travel with heavy sporting gear. Remember to bring your US driver’s license and International Driver’s Permit, which you can get at any AAA office before leaving for Brazil. With an abundance of poorly maintained roads, unruly motorcyclists, car thefts and armed robberies, driving in Brazil poses several challenges. Should you still decide to rent a car, there are a few things to keep in mind. First, STOP signs in Brazil look identical to those in the US, but they say PARE. Another thing to remember is that the most well-maintained roads are toll roads, which are privately owned. All other roads will be hit or miss. Lastly, be aware of the vast numbers of people, especially children and stray animals, that pack the streets throughout the day and evening. Flying tends to be the most efficient way to get around such a large country. Therefore, book any domestic flights in advance to secure the best deals and guarantee yourself a seat, especially if you are on a tight schedule. Brazil’s major air carriers are Azul Brazilian Airlines , Latam , and Gol Linhas Aereas . However, if you will be in the country for a while and prefer slow travel, journeying by bus is the cheapest and most scenic way to get around. It’s also the most popular choice among locals. Countless private bus companies help keep small cities and towns well-linked with one another and all major urban centers, most of which allow you to buy tickets online. You can choose bus quality, including luxury overnight sleepers. Reputable bus companies include, but certainly are not limited to, Buser, Águia Branca, ClickBus, Catarinense and Penha. Be aware that you must present your ID when purchasing a ticket in person and when you board the bus. It would be best to arrive at the station at least 1.5-2 hours in advance since schedule changes are made frequently and at short notice. To reach some of the famous islands from the coast, you’ll need to take a ferry or high-speed boat, all of which private companies run. You can purchase your tickets directly at the ports, though they usually do not open before 9 or 10 in the morning. Trips to islands are frequent throughout the day, so unless there is a major holiday or school vacation, you shouldn’t need to get your tickets too far in advance. Exploring the towns and cities along the Amazon is best done via overnight ferries, riverboats and luxury cruises. You will want to stick with standard riverboats if the latter doesn’t fit your budget. While there are a few cabins with bunks, most passengers sleep in hammocks, so be sure to pick one up beforehand. It will cost you between R$20-40 (US$4-8). Tickets are available at ferry terminals, known as hidroviarias, and online. To play it safe, bring plenty of bottled water and toilet paper in case supplies are limited or unavailable on your boat.

Smoking in public is prohibited except in designated areas. Also, be aware that drugs, even marijuana, are illegal in Brazil. You will face a significant jail sentence if caught in possession or using any illegal drugs. Another thing to remember is that you must carry a photocopy of your passport with you at all times when in Brazil. If ever stopped by the police, you will be required to present it. You are best off keeping your passport locked in your hotel room safe since petty theft on the streets is common. Should you decide to rent a car, driving through red lights after 8 pm in most parts of Brazil is common practice. Be mindful as you do so, but don’t slow down enough to make yourself vulnerable to potential assault, robbery, or carjacking. Keep your windows up and doors locked when driving.

Local Customs

Brazilians are some of the warmest and friendliest people you will meet, so don’t be surprised if you encounter a lot of physical touch. What you may be used to for personal space back home is not necessarily a concern for people in Brazil. A typical greeting between women is a kiss on each cheek, but for men, it’s usually a firm handshake, a verbal greeting and eye contact. If they know each other, they will hug and participate in the normal back-slapping that American men often do. When Brazilian women meet men, they may or may not extend their hand as a greeting. Always follow women’s lead on this. Should you be invited to a Brazilian home, always bring a gift. Flowers or chocolates will go over well, but always avoid anything black or purple as these are both mourning colors. Brazilians will interpret two common hand gestures in the United States as vulgar or inappropriate: the thumbs-up or OK symbol. Best to avoid these altogether or you risk causing misunderstandings or offending anyone.

Tipping is customary in many businesses, but not all, so it’s important to know the ins and outs of tipping in Brazil. For example, tipping restaurant servers 10% is customary and often added to the bill. It’s always good to double-check, though. The same goes for bartenders. If you receive excellent service at any time, feel free to tip more if you feel inclined. In cafés, you can tip your baristas similarly, but you are not expected to do so. When it comes to tour guides, tipping them 10% of the tour’s cost is appropriate if you feel they did a good job. While tipping taxi drivers is not common, you can always allow the driver to keep the change if they get you to your destination without hassle. For hotel staff, tipping will undoubtedly get you better service. Consider leaving your housekeeper 1-2 reais per night, the porter/bellhop 1 real per bag, and 3-5 reais for the concierge whenever they help you make reservations or plan an outing. Tipping salon and spa employees are optional. But, of course, if you have a good experience, rounding your payment up to the next meaningful amount is always welcomed. For example, if you get a treatment that costs 56 reais, you can give the stylist 60 instead. Regardless of where you are or which particular service you receive, workers will greatly appreciate being tipped for a job well done.

What to pack for Brazil

Apart from Travel Insurance, we recommend you bring the following items for maximum health, safety, and enjoyment of your trip to Brazil.

A final note about travel insurance for Brazil

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going, I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to Brazil with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews