Are you going to study abroad? Exchange travel insurance is an essential item in your planning. Read everything in this complete guide and learn how to find the best option for your destination and pocket.
The first thing you should know is that you cannot study or work abroad without taking out travel insurance. The reason for this is due to the fact that it is mandatory in some countries, in addition to guaranteeing tranquility and safety throughout the trip.
In this post we will clarify all doubts with a super complete guide, full of information on how to hire, how it works, where to get discounts and much more.
And we still separate the best options for your exchange with Promo insurance, an online platform that compares travel insurance and still offers great prices.
In this post you will see:
- What is exchange travel insurance?
- Is exchange travel insurance mandatory?
- How much does exchange travel insurance cost?
- Why buy exchange insurance?
- Best travel insurance for exchanges
- How to buy travel insurance
- How does travel insurance work?
- How to activate travel insurance
- Travel insurance coverage
- Internet chip for exchange
- Frequently Asked Questions
What is exchange travel insurance?
Travel insurance for exchanges is a long-term assistance that insures and covers the costs of medical, hospital, dental and legal assistance for those who are going to study or work outside the Spain.
It works in the same way as a international travel insurance, follows the same rules and offers the same coverage, such as insurance for lost luggage, flight cancellation, cases of theft, etc. The difference is in the number of days that the insured will be out of the country.
That's why we recommend the long term travel insurance (long stay) that offers all these benefits to the traveler for a period longer than 61 days and lasting up to 365 days. It has a higher indemnity to be used more times and for as many times as necessary during the entire stay.
Check out all travel insurance options.
Is exchange travel insurance mandatory?
Depending on the country, it is mandatory.
If you plan to travel to one of the European countries that are part of the Schengen Treaty, such as France and Spain, for example, then you are required to take out insurance with a minimum medical coverage of EUR 30.
Already United Kingdom and os United States do not require the presentation of insurance, but it is strongly recommended that one is taken out. After all, paying for private healthcare in any of these countries means paying a high amount of money. A value that could be saved by investing in exchange travel insurance, which is much more economical than most people imagine.
A Ireland It also does not require the purchase of travel insurance, but it does require the contracting of Irish health insurance for those who stay in the country for more than 90 days. This government health insurance only covers medical expenses, so if you want to visit other countries in Europe You will need to take out international travel insurance. Find out more details on the official Irish government website.
And in Australia, like Ireland, also does not require insurance, but requires the hiring of Overseas Student Health Cover (OSCH) – a type of local insurance for students. Likewise, this Australian government health insurance only covers emergency medical and hospital expenses within the country. See the official Australian government website for more information.
How much does exchange travel insurance cost?
It is possible to hire good interchange travel insurance for prices from R$ 20 per day. You can even use the online insurance comparator to check available plans.
The amount of insurance may vary depending on the person who hires the service or the activities you intend to do at the destination. For example, an elderly person will have travel insurance a little more expensive than a 20-year-old, and an athlete who practices extreme sports will also have a plan with a higher value.
Insurance is, in general, very cheap and well worth it because it gives you the security of having a smooth trip, without worrying about how to deal with an emergency – just activate the insurance and it will take care of you.
The truth is, everyone buys insurance to have peace, and hopes they never need it. However, if you need it, having this support is quite a help in the midst of a crisis.
Check out all travel insurance options.
insurance discount coupon
Better than being covered against possible emergencies during the trip, it is better to hire insurance at the best price on the market. For this, Travel Tips readers can use the coupon FORTRAVELOVERS and guarantee 5% off the final price. Too much, huh?
Oh, and there is an additional 5% discount for those who pay with boleto, pix or transfer, and these discounts are cumulative. In other words, you can guarantee savings of up to 10% on your exchange travel insurance. Also remembering that the purchase of insurance can be paid in up to 12 installments, making payment as easy as possible.
- Click to redeem coupon FORTRAVELOVERS and get 5% off
- Pay by boleto, Pix or wire transfer to earn an extra 5% and reach the 10% off!
Why buy exchange insurance?
Anyone who travels outside of Spain and needs to stay a long time in a foreign country studying or working ends up being exposed to possible emergencies and unforeseen events that can happen. An emergency surgery, a traffic accident or even a robbery situation are super simple examples and susceptible to anyone.
And in all these situations, travel insurance can provide the necessary assistance, either by covering the costs of the surgery or by presenting a good lawyer. There are insurances that even offer a refund amount for certain personal items that are stolen.
Therefore, it is more than proven how important it is to hire insurance for your trip. Well, even if we don't want any of these scenarios to happen, it's comforting to know that we'll be covered by good travel insurance if they happen. ?
Check out all travel insurance options.
Best travel insurance for exchanges
We use the online platform Promo insurance to recommend the best exchange travel insurance possible. This site compares several plans, side by side, allowing you to view the coverage of each insurance and thus choose the one that best suits your type of trip.
Below are some options for interchange travel insurance plans with good coverage and cost-effectiveness. Write it down:
UA 40 World Special
Coverage of US$ 40 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, pregnant women, dental emergencies and also has pharmaceutical reimbursement. – SEE PRICES
AC 35 World (Except USA)
Coverage of US$ 35 for medical and hospital expenses + US$ 1.200 for luggage insurance. It also covers sports, pregnant women, dental emergencies and legal assistance. – SEE PRICES
TC 40 North America + Covid19
Coverage of US$ 40 thousand for medical and hospital expenses + US$ 1.300 for luggage insurance. It also covers all expenses related to Covid-19, dental emergencies, pharmaceutical reimbursement and even offers a $1.500 return travel guarantee. – SEE PRICES
See below for more details on the best insurers or check out other options on the online comparator.
| Insurance | Universal Assistance | Assist Card | travel care |
| Plano | UA 40 World Special | AC 35 World (except USA) | TC 40 North America + Covid19 |
| Medical and hospital expenses | U.S. $ one thousand 40 | U.S. $ one thousand 35 | U.S. $ one thousand 40 |
| Medical coverage for sports | Inside DMH | Inside DMH (per event) | |
| coverage for pregnant women | Within DMH – Up to 28 weeks | Within DMH (per event) – Up to 28 weeks | No |
| dental coverage | US$ 500 | US$ 500 | US$ 500 |
| pharmaceutical coverage | $500 (refund) | $500 (refund) | $800 (refund) |
| Medical expenses for covid-19 | No | No | U.S. $ one thousand 10 |
| sanitary return | U.S. $ one thousand 20 | U.S. $ one thousand 30 | U.S. $ one thousand 60 |
| Flight delay expenses | $100 (6 Hours) | US$ 300 | |
| Assistance in locating lost luggage | Yes | Yes | Yes |
| Danos to mala | US$ 100 | No | US$ 300 |
| Lost luggage insurance | $1.200 (supplementary) | $1.200 (additional) | $1.300 (supplementary) |
| Legal assistance for traffic accident | US$ 1.200 | U.S. $ one thousand 4 | US$ 1.500 |
| insurance value | R$ 19,17 (per day) | R$ 25,75 (per day) | R$ 49,53 (per day) |
How to buy travel insurance
Hiring exchange travel insurance is very simple and you can do it over the internet. A highly recommended insurance comparator is Promo insurance, a site that we trust and that offers all the information on the best plans on the market to help you make your choice.
Right on the home page, select the continent of destination, enter the departure and arrival dates, fill in your name, your email, your telephone number and click on “research".
You will be directed to a list of available insurance for the destination. To use the comparator, choose from two to four plans and select the option “compare plan“. Then click on the “compare“ on the lower right side of the screen. Ready! Now you can see the advantages of each insurance side by side to make a decision and finalize the purchase.
After hiring, you receive your travel insurance policy by email. Keep this document well, as it contains the general conditions of the contracted plan and all the information on how to call the insurance company in case of an emergency.
So, if there is any eventuality on the trip, you can contact the insurance company via phone, WhatsApp, online chat or email. All contact numbers and forms are available on the policy – so keep the document in an easily accessible place.
It is also worth remembering that all insurers listed in the Promo insurance support 24 hours, seven days a week and entirely in Portuguese. That is, even if you are in France, don't worry, the service will be super easy!
Check out all travel insurance options.
How does travel insurance work?
Travel insurance is like a health plan, which allows you to be seen by a doctor abroad, as well as offering assistance in other situations, such as legal problems. It can work for assistance or refund.
The options available for assistance in the online comparator provide direct support when an emergency occurs. That is, you contact the insurance company and they instruct you on what to do or how to go to the hospital, for example. That way you don't have to pay anything extra for it, as the insurance bears all the expenses of the service.
Reimbursement insurance, on the other hand, directs you to go straight to the doctor, dentist, or any other professional who will help you, and only then activate the insurance. In these cases, you pay out of pocket and then present the receipts and invoices to receive the amount spent back. This type is more common in credit card travel insurance.
Check out all travel insurance options.
How to activate travel insurance
To claim travel insurance, you can call your policy's telephone number, free of charge, from anywhere in the world. The service is always in Portuguese. Some insurers also have mobile apps, which makes communication even easier.
Always have your policy number and personal data handy. Tell the representative about your problem and he will give you the support you need to deal with the situation – and try to stay calm to understand the instructions and get out of the situation in the best way possible.
The fundamental thing is to carefully read the travel insurance policy, and understand the particularities of the plan you hired. If you have any difficulties when talking to the insurance company, go ahead and seek help, because the important thing is to receive the support you need. Then you contact the company to resolve the financial issue.
Check out all travel insurance options.
Travel insurance coverage
Exchange travel insurance must cover medical, hospital and dental expenses, in addition to other items. The most common occurrences that travel insurance covers are:
- 24-hour medical, hospital or dental care on international trips
- Sanitary repatriation
- medical transfer
- Body transfer and coverage for death while traveling
- Total disability due to accident while traveling
- Legal/financial assistance
- Death or serious illness of a family member
There are also some extra coverages that you can purchase with travel insurance:
- Support for Covid-19 and Pandemics
- trip cancellation
- Early return due to accident
- Expenses for misplaced, lost or damaged luggage
- Accidents in extreme sports
- flight delay
- Pregnant
Does exchange travel insurance have coverage for coronavirus?
There are, yes, some travel insurances that cover medical care related to Covid-19. However, it is worth noting that not all of them are.
To ensure that you will have travel insurance coverage if you are diagnosed with Covid abroad, look for plans that specify this particularity. It is common to have this information right in the title of the insurance product, as you can see in the examples below. Even so, always remember to read the policy carefully and ask any questions before hiring.
A good way to look for travel insurance with coverage for Covid-19 is to use a online plan comparator. So you can look side by side the deductible provided by each insurer, and choose the one that best fits your reality.
Internet chip for exchange
How about spending your entire season 100% connected to the internet? With international travel chips this is possible, and for super fair prices, which don't weigh on your pocket. Check out the offers from America Chip and guarantee internet right now to use freely during the exchange. Enjoy and check out our America Chip discount coupon. - SEE PRICES
Frequently Asked Questions
What is exchange travel insurance?O travel insurance for exchange is a long-term assistance that ensures and covers the costs of medical, hospital, dental and legal care for those who are going to study or work outside the Spain.
Is exchange travel insurance mandatory?Interchange travel insurance may be mandatory, depending on the destination. Some countries of Europe, which are part of the Schengen Treaty, require you to take out insurance. already the United States and the United Kingdom, no. Learn more about how the interchange travel insurance.
What is the best exchange travel insurance?Some of the best travel insurance options for exchanges are UA 40 World Specialthe AC 35 World and the TC 40 North America + Covid19. You can check out more options interchange travel insurance.
How much does travel insurance cost?It is possible to take out a good interchange travel insurance for prices on average of R$ 20 per day. You can even use a online insurance comparator to check available plans.
Where to buy travel insurance?Hiring exchange travel insurance is very simple and you can do it over the internet. A highly recommended insurance comparator is Promo insurance, a site that we trust and that offers all the information on the best plans on the market to help you make your choice.
What does travel insurance cover?Travel insurance covers medical, hospital and dental expenses, body transfer, medical return and medical transfer, in addition to other items and extra options that can be contracted. Learn more about plans.
How does travel insurance work?Exchange travel insurance is like a health plan, which allows you to be seen by a doctor abroad, as well as offering assistance in other situations, such as legal problems. It can work for assistance or refund. See details.
How to activate interchange travel insurance?To activate travel insurance during the exchange, simply call the telephone number of your policy, free of charge, from anywhere in the world. The service is always in Portuguese. Some insurers also have mobile apps, which makes communication even easier. DISCOVER MORE.
Can I cancel my travel insurance?To cancel travel insurance, contact the insurance company and request cancellation. But attention: this request must be made up to two days before the validity of the plan (departure date). After this time, it is no longer possible to cancel the travel insurance. know more about interchange travel insurance.
