Seguro de viagem para a Europa
Compare provedores que atendem ao requisito mínimo Schengen de €30.000.
Por que você precisa de seguro de viagem para a Europa?
Requisito legal
De acordo com o Código de Vistos da UE (Regulamento CE n.° 810/2009), todos os solicitantes de visto Schengen devem ter seguro médico de viagem com cobertura mínima de €30,000. Seu pedido de visto será rejeitado sem ele.
Custos de saúde
Uma única visita ao hospital na Europa Ocidental pode custar €5.000-50.000+. Uma ambulância custa em média €800-1.500. A evacuação médica pode ultrapassar €100.000.
What Could a Medical Emergency Cost You?
European healthcare is not free for visitors. Without insurance, you pay full price out of pocket.
Broken leg while skiing in Austria
€8,000–25,000
ER, X-ray, surgery, 2–3 night stay
Food poisoning requiring overnight stay in Paris
€2,500–5,000
ER, IV fluids, overnight monitoring
Appendicitis surgery in Germany
€12,000–30,000
Emergency surgery, 3–5 day recovery
Heart attack in Switzerland
€40,000–100,000+
ICU, surgery, extended hospitalization
Travel insurance from €22/trip covers all of this — plus trip cancellation and lost luggage. That's less than a single taxi ride in most European cities.
Typical Costs Without Insurance
| Ambulance (Germany) | €500–800 |
| ER Visit (France) | €1,000–3,000 |
| 3-5 Day Hospital Stay (Spain) | €5,000–15,000 |
| Surgery (Switzerland) | €20,000–80,000 |
| Medical Evacuation | €10,000–50,000 |
| Emergency Dental (Italy) | €200–1,500 |
Para viajantes ETIAS: While ETIAS applicants (visa-exempt travelers) are not legally required to have insurance, it is STRONGLY recommended and may be checked at the border.
A cobertura mínima deve incluir:
- Emergency medical treatment
- Hospitalization
- Emergency medical evacuation
- Repatriation of remains
Source: EU Visa Code — Regulation (EC) No. 810/2009, Articles 15 & 32
Comparar provedores
Heymondo
Best overall value
A partir de
€38/trip
Cobertura
€10,000,000
Heymondo is a modern travel insurance provider with a strong mobile-first experience. Their app lets you manage claims, contact assistance, and access your policy documents on the go. They stand out for their high coverage ceiling (€10M) at a mid-range price, making them excellent value. Claims are typically processed within 48 hours through the app.
Strengths
- Highest coverage ceiling (€10M) at a reasonable price
- Excellent mobile app for claims and real-time assistance
- COVID-19 coverage included at no extra charge
- Trip cancellation and interruption coverage included
Limitations
- Slightly pricier than AXA for basic Schengen compliance
- Less established brand than Allianz or AXA
- Phone support can have wait times during peak season
Deductible: €0–€75 depending on plan tier
Claims: File claims directly through the Heymondo app with photo uploads.
Ideal for: Travelers who want strong coverage at a fair price, especially those who prefer managing everything through a mobile app.
AXA Schengen
Cheapest Schengen-compliant option
A partir de
€22/trip
Cobertura
€30,000
AXA Schengen is purpose-built for Schengen visa applicants. It's the most affordable way to meet the mandatory €30,000 insurance requirement. AXA is a globally recognized insurer, so their certificate is accepted by every Schengen embassy without question. However, coverage is capped at €30,000 — enough for compliance but may fall short for serious medical events like surgery or extended hospitalization.
Strengths
- Cheapest option that meets Schengen visa requirements
- Instant insurance certificate for visa applications
- Universally recognized by all Schengen embassies
- Backed by AXA — one of the world's largest insurers
Limitations
- Coverage capped at €30,000 — may not cover major surgery or ICU stays
- No trip cancellation or interruption coverage
- No COVID-19 specific coverage
Deductible: €0 on most plans
Claims: Traditional claims process via email/mail.
Ideal for: Budget travelers and visa applicants who need Schengen-compliant insurance at the lowest possible price.
Allianz Travel
Most comprehensive coverage
A partir de
€45/trip
Cobertura
€1,000,000+
Allianz is one of the world's largest insurance companies, and their travel insurance reflects that scale. With €1M+ medical coverage, you're protected against even the most expensive European medical scenarios (Swiss hospitals, air evacuation, extended ICU stays). They have a huge network of partner hospitals across Europe, meaning you can often get direct billing rather than paying out-of-pocket and claiming later.
Strengths
- Highest medical coverage among traditional insurers (€1M+)
- Largest provider network in Europe — often direct hospital billing
- Comprehensive extras: baggage, delay, cancellation all included
- 24/7 multilingual emergency hotline
Limitations
- Most expensive per-trip option
- Claims process can be slower than digital-first competitors
- Overkill for short city breaks or budget trips
Deductible: €50–€150 depending on plan tier
Claims: Claims via online portal or phone.
Ideal for: Travelers who want peace of mind with maximum coverage.
SafetyWing
Digital nomads & long-term travelers
A partir de
$56/4 weeks
Cobertura
$250,000
SafetyWing works completely differently from traditional travel insurance. Instead of buying per-trip, you subscribe monthly and are covered continuously across 185 countries. There's no fixed end date — just cancel when you stop traveling. This makes it uniquely suited for digital nomads, remote workers, and long-term travelers who don't have fixed itineraries. Coverage is $250,000 which handles most medical scenarios, though it's lower than Allianz or Heymondo.
Strengths
- Subscription model — pay monthly, cancel anytime, no end date needed
- Covers 185 countries including your home country (limited)
- Perfect for open-ended travel and multi-country trips
- Cheapest option for trips longer than 4 weeks
Limitations
- Lower coverage ceiling ($250K) compared to Heymondo or Allianz
- Deductible of $250 per incident — higher than competitors
- Limited trip cancellation coverage
Deductible: $250 per incident
Claims: Online claims portal.
Ideal for: Digital nomads, remote workers, long-term backpackers, and anyone traveling without a fixed return date.
Os links podem conter tags de afiliados. Só recomendamos provedores que atendam aos requisitos Schengen.
Comparação lado a lado
| Característica | Heymondo | AXA Schengen | Allianz Travel | SafetyWing |
|---|---|---|---|---|
| Preço inicial | €38/trip | €22/trip | €45/trip | $56/4 weeks |
| Cobertura | €10,000,000 | €30,000 | €1,000,000+ | $250,000 |
| Deductible | €0–€75 depending on plan tier | €0 on most plans | €50–€150 depending on plan tier | $250 per incident |
| Pricing Model | Per-trip pricing. | Per-trip pricing based on duration. | Per-trip pricing. | Subscription: $56/4 weeks (auto-renewing). |
| Compatível Schengen | Sim | Sim | Sim | Sim |
| Claims Process | File claims directly through the Heymondo app with photo uploads. | Traditional claims process via email/mail. | Claims via online portal or phone. | Online claims portal. |
| Ideal para | Best overall value | Cheapest Schengen-compliant option | Most comprehensive coverage | Digital nomads & long-term travelers |
Perguntas frequentes
O seguro de viagem é obrigatório para a Europa?
Para solicitantes de visto Schengen, sim — seguro de viagem com cobertura mínima de €30.000 é obrigatório conforme o Regulamento (CE) 810/2009. Para viajantes elegíveis para ETIAS (isentos de visto), não é legalmente exigido, mas é fortemente recomendado. Agentes de fronteira podem pedir comprovante de seguro.
O que o seguro de viagem Schengen deve cobrir?
Deve cobrir tratamento médico de emergência, hospitalização, evacuação médica de emergência e repatriação de restos mortais. A cobertura deve ser válida durante toda a estadia em TODOS os países Schengen.
Posso comprar seguro depois de chegar à Europa?
Você deve comprá-lo antes da partida. Se precisar para uma solicitação de visto Schengen, deve tê-lo antes da sua consulta. Mesmo para viajantes ETIAS, é aconselhável ter comprovante na fronteira.
Preciso de seguro separado para o Reino Unido?
O Reino Unido NÃO faz parte do espaço Schengen, então o seguro Schengen normalmente não o cobre. Se visitar ambos, escolha um plano com cobertura mundial ou multipaís.
Quanto custa o seguro de viagem para a Europa?
Os planos básicos compatíveis com Schengen começam em torno de €20-40 por viagem. Planos abrangentes com cancelamento de viagem, cobertura de bagagem e limites médicos mais altos geralmente custam entre €40-80 por viagem. Planos de longo prazo começam em torno de $56/mês.
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