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Schengen Travel Insurance for Brazilians: What You Need to Know

Discover travel insurance options that meet Schengen visa requirements

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At a glance:

  • Learn what a Schengen visa is and when Brazilian travelers need one.
  • Understand the mandatory travel insurance requirements for Schengen countries.
  • See how World Nomads travel insurance meets and exceeds Schengen visa requirements.
  • Compare available plans (Standard, Explorer, Explorer Plus) and what each covers.
  • Review exclusions and get key travel safety tips for your trip to Europe.

Dreaming of Europe? Whether you’re heading to Lisbon, Paris or beyond, you might need a Schengen visa before your trip. Keep reading to understand how it works, what the insurance requirements are, and how World Nomads Travel Insurance can help you stay covered while exploring.

The Schengen Visa - What is it?

If you’re planning a trip to Europe, you may have already heard of the Schengen visa. This visa was created after the Schengen Agreement, which removed internal borders between most European countries, allowing travelers to move freely between them. For Brazilian citizens, the rules are a little different: if you’re staying for less than 90 days within a 180-day period, you don’t need a Schengen visa. But if you’re planning to study, work, or stay longer than 90 days, you’ll need to apply for one.

Regardless of whether you need a visa or not, Schengen travel insurance is required. The conditions for obtaining a Schengen visa are strict: you must show proof of medical coverage insurance of at least €30,000, valid in all Schengen countries, covering medical emergencies, hospitalization, and medical repatriation. For more details, you can check the European Commission website.

What are the Schengen countries?

The Schengen Area is made up of 29 countries (25 EU and 4 associated countries): Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

Does a World Nomads Travel Insurance policy meet the requirements for the Schengen visa?

Yes, it does. Even though Brazilian travelers don’t need a Schengen visa for stays of up to 90 days, border officials may ask for proof of travel insurance when you arrive. World Nomads policies exceed the minimum requirement of €30,000 in medical coverage insurance and are valid across all Schengen countries. To ensure a smooth entry, keep a copy of your certificate of insurance with you, along with your valid passport, return ticket, proof of accommodation, and evidence of sufficient financial means for your stay.

What travel insurance benefits are included in a policy from World Nomads?

  1. Medical Repatriation
    If you need to be transported back home due to a serious illness or injury.

  2. Emergency Medical Expenses
    Broken bones or gashes from epic wipeouts are covered.

  3. Baggage & Gear Coverage
    Protection if your baggage is delayed, damaged, or lost by the airline.

  4. Trip Cancellation,
    Reimbursement of pre-paid, unused, non-refundable expenses like flights, tours, and accommodations if you’re unexpectedly too sick to go on your

Get a quote and compare the plans to see which level of coverage is right for you.

Plus, adventure sports and activities coverage for more than 150 activities like backpacking, hiking and trekking, kayaking and rafting, mountain biking, scuba diving, skiing, snowboarding, and one of Brazil’s most beloved pastimes - surfing.

How should I choose the right travel insurance plan for my trip to Europe?

World Nomads offers three plans: Standard, Explorer, and Explorer Plus, each with different benefits and limits. The Standard plan covers essential benefits like medical assistance abroad, baggage insurance, trip cancellation, and some adventure activities. The Explorer plan includes all Standard benefits plus additional coverage and higher limits. The Explorer Plus offers the most extensive protection, with the highest limits. Be sure to choose carefully before traveling, as upgrades (for example, from Standard to Explorer) are not possible once your trip has started. You can easily compare plans by checking the benefits summary when you get a quote on our website.

Get a travel insurance quote

Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.

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A person hiking in front of a mountain

What is not covered by my travel insurance plan for Europe?

Although World Nomads covers a wide range of unexpected events, some things are not included:

  • Health emergencies linked to pre-existing medical conditions.
  • Sports or activities not covered by your chosen policy.
  • Professional participation in sports or adventure activities.
  • Incidents that occur under the influence of drugs or alcohol.
  • Reckless behavior or unnecessary risks.
  • Damage to sporting equipment during use (though damage during transit may be covered).

Read your policy carefully to understand the coverage details.

Top Safety Tips for your trip to Europe

  • Save local emergency numbers in your phone.
  • Print out all key documents, including your Schengen insurance certificate.
  • Carry an extra phone charger or power bank.
  • Check driving laws in advance (and remember, in some countries you’ll be driving on the left side of the road).
  • Stay updated with official travel advisories.

FAQ

Here are our most frequently asked questions about Schengen travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • Is travel insurance mandatory for a Schengen visa for Brazilians?
    Yes, it is. If you’re applying for a Schengen visa to stay longer than 90 days in most parts of Europe, you’ll need travel insurance. Even when you don’t need the Schengen visa, border officials may still ask for proof of Schengen travel insurance upon arrival.

Need destination inspiration for your next horseback riding trip?

Already planning your European getaway? Great. But if you’re still deciding where to go—or just want to fuel your wanderlust—check out some of our favorite stories and destination guides across the Schengen region. You might just discover the perfect place for your next adventure.

This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations, and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation, and are considered individually. Exclusions apply to Adventure or Extreme Activities.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip against unexpected cancellation.

  • Explorer Plus: USD $1,500
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Medical Expenses Overseas

Take the pain out of medical costs.

  • Explorer Plus: USD $100,000
  • Explorer Plan: USD $70,000
  • Standard Plan: USD $30,000
Medical Expenses Overseas
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Evacuation and Repatriation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plus: USD $80,000
  • Explorer Plan: USD $60,000
  • Standard Plan: USD $40,000
Emergency Evacuation & Repatriation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Checked-in Baggage Loss

Covers the loss, theft or damage of your bags by a common carrier.

  • Explorer Plus: USD $1,200
  • Explorer Plan: USD $1,000
  • Standard Plan: USD $500
Checked-in Baggage Loss
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Trip Cancellation or Interruption
  • Baggage
  • Emergency Medical Evacuation & Repatration
  • 24 Hour Assistance Services
  • And more (depending on your country of residence)
This is a general summary for Brazil residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24-hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Your World Nomads policy is provided through Chubb Seguros:

Phone: +1 212-315-1806 (from anywhere in the world)

Phone: 0800-591-1043 (from Brazil)

WhatsApp message: +54 911 3053-3959