Travel Safely: Protect Your Adventures

You packed your bags, checked your passport, planned each itinerary.
But… what if something gets out of control?
Most people only remember travel insurance when they're already in trouble — and by then, it's too late.

Traveling without insurance is like driving without a seatbelt: an unnecessary risk — and in this guide, we'll get straight to the point, without any fuss or clichés.
Because safety is not a luxury, it's a strategy for those who value every moment of their trip.

Why Travel Insurance Isn't a Luxury — It's a Necessity

Imagine needing medical care in another country and receiving a bill for US$10,000 for something as simple as a fracture.

Or lose your luggage with all your travel documents and essentials.

Situations like this are more common than you might think.

And this is where travel insurance comes into play, offering medical coverage, emergency support, legal assistance, repatriation, and much more.

More than peace of mind, it provides autonomy.

After all, no one wants to be held hostage by unforeseen events, especially outside their own country.

For those traveling for leisure, business, study or living abroad, this is the smartest investment you can make.

What Does Travel Insurance Really Cover?

The answer depends on the plan and the insurer, but the best travel insurance policies generally include:

• Emergency medical care
• Hospital and outpatient coverage
• Refund for trip cancellation
• Delays and interruptions
• Lost or misplaced luggage
• Legal assistance
• Early return for emergency reasons
• Medical transfer and repatriation

The secret is in the details of the policy.

So, it's worth reading between the lines and understanding what is — and what isn't — included.

Coverage for extreme sports, pregnant women or pre-existing conditions, for example, requires special attention.

The Best Travel Insurance Agencies in the USA

We selected the main insurance companies with headquarters or strong operations in the United States.

All offer comprehensive plans, support in Portuguese (or via easy-to-use apps), and a good reputation in the international market.

1. Allianz Travel Insurance

www.allianztravelinsurance.com

With a global presence and recognition in more than 70 countries, Allianz is a benchmark in coverage for discerning travelers.

Offers per-trip or annual plans, ideal for frequent travelers.

Highlights:

• Modern application
• 24/7 support worldwide
• Options with cancellation for any reason

2. Travel Guard (by AIG)

www.travelguard.com

Part of the AIG group, this insurer is known for offering customizable plans that adapt to the traveler's profile and destination.

Highlights:

• Global coverage
• Assistance for medical and legal emergencies
• Options for cruises and long trips

3. World Nomads

www.worldnomads.com

A favorite among backpackers, digital nomads, and independent travelers, World Nomads covers over 150 adventure activities.

Highlights:

• Flexibility to hire while traveling
• Electronic equipment coverage
• Recommended by Lonely Planet and National Geographic

4. Seven Corners

www.sevencorners.com

Specializing in plans for students, exchange students, and foreigners visiting the US, Seven Corners offers good value options.

Highlights:

• Robust medical plans
• Multilingual service
• Suitable for J1 and F1 visas

5. IMG (International Medical Group)

www.imglobal.com

Strong among expats, students and professionals on corporate travel.

It offers both short-term insurance and long-term plans.

Highlights:

• Medical evacuation and repatriation
• Family coverage
• 24/7 international assistance

How to Choose the Best Insurance for You?

Before you click “buy,” answer this question: What is the true profile of your trip?

It may seem simple, but this reflection defines everything.

Anyone traveling to a high-risk destination needs broader coverage.

Those traveling in groups can opt for discounted group plans.

Those with chronic illnesses should prioritize insurance companies with specialized medical support.

Take into account:

• Trip duration
• Destination and local health system
• Activities you intend to do
• Your medical history
• Total cost of the trip (tickets + accommodation + experiences)

Compare not only prices, but franchises, refunds, service channels and user reviews.

Platforms like Squaremouth, InsureMyTrip It is TravelInsurance.com are ideal for this.

Travel Insurance and the New Generation of Travelers

Digital nomads, travel influencers, and remote workers are redefining global tourism—and with it, insurance needs are changing.

Today, it’s not just about “avoiding problems,” but about travel with freedom and cutting-edge support.

Some insurance companies already offer plans that cover online consultations, remote psychotherapy, cancellations due to Covid-19 and even assistance for pets when traveling.

The sector is evolving rapidly and those who keep up with these changes have a lot to gain.

End Point? No — The Beginning of a Smart Journey

Instead of thinking of travel insurance as an additional expense, view it as an investment.

An essential item, such as your passport or boarding pass.

It ensures that, even when you're away from home, you have support and protection, whatever the unexpected.

So, the next time you plan your trip, include insurance from the start.

Make it part of the experience — not an emergency.

After all, the true freedom of travel is in knowing that no matter what happens, you are protected.

Diego Published on July 29, 2025