Seguro Saúde — Cobertura Mín
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
About this calculator
This Travel Health Insurance Calculator helps determine the minimum coverage required for a trip, especially in Schengen countries where healthcare costs can be high. The amount of approximately USD 30,000 is a reasonable estimate for emergency medical expenses.
The minimum coverage acts as a financial safeguard, protecting the traveler from unexpected healthcare expenses during the trip. The formula used here considers the average costs of medical treatment and hospitalization in Schengen countries, serving as a basis for calculating the required amount.
It is recommended to use this calculator when planning a trip abroad, especially if the destination is a country with high healthcare costs. Having adequate health insurance can prevent additional worries during the trip and ensure that any health issues are treated without significant financial impacts.
Some common precautions when contracting travel health insurance include checking if the policy covers medical evacuation expenses, if there is an age limit for contracting, and if pre-existing conditions are included in the coverage. Verifying this information helps ensure that the insurance meets the specific needs of the trip.
Frequently asked questions
Why is the minimum coverage approximately USD 30,000?
This value is an estimate based on the average costs of medical treatment and hospitalization in Schengen countries.
What happens if I don't have travel health insurance?
Without adequate insurance, the traveler may have to bear emergency medical expenses, which can be financially draining.
Is the minimum coverage sufficient for all types of trips?
No, the required amount may vary depending on the destination, trip duration, and the traveler's health conditions.
How can I purchase travel health insurance?
There are several insurance companies that offer travel health plans. It's recommended to compare different options and carefully read the terms and conditions before purchasing.
What precautions should I take when reading the insurance policy?
Check what's covered, what's not, coverage limits, and if there are deductibles or waiting periods.