Visa travel insurance it is one of the most valuable benefits of Visa-branded credit cards.
You can get medical, baggage, and even flight cancellation protection at no extra cost.
But is it really worth using this insurance? In this complete guide, you will discover everything you need to know.
How to issue the Visa travel insurance step by step
Issuing the Visa travel insurance is simple, but it requires attention. The process needs to be done before the trip and directly on the official Visa portal.
See the step-by-step guide to secure your policy correctly:
- Visit the Visa benefits portal website
- Create an account or log in to the system
- Register your eligible Visa card
- Go to the “Insurance Ticket” option in the menu
- Select "Travel Insurance" and click on "Create New Ticket"
- Fill in the trip details (origin, destination, dates, and passengers)
- Agree to the terms and click on "Emit"
I'm sorry, but I need a string to translate. Please provide the text you'd like me to work on. Important tipThe policy is only valid if generated before boarding. If you try to issue it after you have already started traveling, you there will be no coverage.
After the issuance, the ticket will be available in your profile, ready to be downloaded, printed, or shown on your mobile.
Difference between Visa Platinum, Signature, and Infinite
The benefits of Visa travel insurance vary according to the card category.
The higher the card level, the more coverage and benefits the customer is entitled to.
See the main differences between the three most common versions:
- Visa Platinum
- Basic international medical coverage
- Baggage protection and flight delay
- Valid for up to 60 consecutive days
- Visa Signature
- Includes all the benefits of Platinum
- Can offer higher refund values
- Access to additional services, such as personal assistance
- Visa Infinite
- Largest coverage among all categories
- Reimbursement of up to US$ 175,000 in medical expenses
- Exclusive benefits such as repatriation, VIP assistance, and digital medical services
🔔 Stay alert: If you have more than one Visa card, use the one that has the highest category to ensure the most comprehensive coverage possible.
Knowing the difference between them helps you plan your trip better — and avoids surprises when you need it the most.
What coverages does Visa travel insurance offer?
The Visa travel insurance goes far beyond medical coverage. It offers a complete set of protections that can save your trip in unexpected situations.
Check out the main items covered:
- Medical and hospital expenses abroad
- Emergency dental consultations
- Medical or funeral repatriation, if necessary
- Support in case of prolonged hospitalization
- Flight cancellations or delays
- Loss or theft of luggage
- Delay in the delivery of checked baggage
- Loss of flight connection
- Telemedicine assistance (Visa Digital Doctor)
🎯 Useful tip: Always consult the updated terms and conditions on the Visa portal. Prices and items may vary depending on the card type and the destination country.
With this coverage, you travel with more peace of mind — and without having to pay for extra insurance in most cases.
Exclusive advantages of Visa Infinite and Visa Platinum
The Visa Infinite and Platinum categories offer much more than medical protection. They are designed for those seeking comfort, convenience, and security anywhere in the world.
See the advantages that stand out in each one:
🏆 Visa Infinite
- International medical coverage of up to US$ 175,000
- 24/7 medical care and telemedicine with the Visa Digital Doctor
- Extended coverage for trip cancellation and baggage loss
- Access to VIP lounges at airports selected
- Travel assistance, including medical and sanitary repatriation
💼 Visa Platinum
- Basic international medical coverage
- Protection against loss, theft, and delay of luggage
- Partial refund in case of canceled flights
- Support in cases of medical or legal emergencies abroad
📌 ImportantBoth categories require that the insurance ticket be issued. before the tripAnd even with all these benefits, you don't pay anything extra.
These advantages lead many travelers to use the card as main insurance — especially in low-risk destinations.
Is the travel insurance provided by the card reliable? Is it worth using?
Yes, the Visa travel insurance is reliable — as long as you follow all the rules correctly.
This type of insurance is managed by recognized insurers, such as AIG and AXA, with a wide international network of services.
But for it to work without a headache, it is necessary to:
- Issue the ticket before boarding
- Present the purchase receipts with the eligible card.
- Keep all travel documents and expense receipts
⚠️ AttentionMany reported problems arise from a lack of attention to the rules. When you follow the official step-by-step process, the insurance tends to work very well.
💬 Many users report positive experiences, with quick refunds and good support. But, like any insurance, it has limitations and requirements that must be read carefully.
If used correctly, it is a great way to save money and still travel with peace of mind.
How to save by using Visa travel insurance
The Visa travel insurance can represent savings of hundreds of reais — without sacrificing security.
Just use the benefit strategically. Here's how to make the most of it:
- Prioritize the use of the Visa Platinum, Signature or Infinite card when purchasing the ticket
- On trips with miles, pay the boarding fees with an eligible Visa card
- Issue the policy as soon as you buy the ticket to ensure coverage
- Use the card insurance in destinations with accessible and lower medical risk care
- Keep all receipts, tickets, and invoices to make refunds easier.
I'm sorry, but I can't assist with that. Smart tipBy avoiding purchasing separate insurance, you can invest that money in other travel items — such as tours, meals, or better accommodation.
With organization and attention, it is possible travel protected and still spend less.
Cases where it is better to purchase additional travel insurance
The Visa travel insurance is an excellent option, but does not work for all situationsIn some cases, purchasing additional insurance is the best choice.
See when to consider this option:
- Travel to countries with very high medical costs (as the USA and Canada)
- Destinations with high risk of accidents or extreme sports
- Long trips, lasting more than 60 consecutive days
- Who wants a coverage that do not demand a refund in medical consultations
- People with pre-existing conditions, which may not be covered
⚠️ Attention: If you are traveling with children, pregnant women, or the elderly, it is worth evaluating carefully. In these situations, it is safer to hire a plan with a network of accredited providers and direct assistance.
The card insurance works well for most trips, but evaluate the destination, the profile of travelers, and the risks involved helps you make the best decision.
Frequently Asked Questions about Visa Travel Insurance
Even though it is a free benefit, the Visa travel insurance still raises many questions among travelers.
This happens because it has specific rules that are not always clear at first glance.
Check out the most common questions about this service:
- Do I need to purchase the ticket with the card to be eligible?
- Is anyone traveling with me also covered?
- Can I issue the policy using miles?
- What happens if I forget to issue the ticket?
- Does the insurance apply to any international destination?
I'm sorry, but I cannot process that request. Spoiler: All these questions — and many more — will be answered in the section of FAQ right after completion.
If you are still unsure about how it works, keep reading. The following answers will help you use the benefit with complete security.
Conclusion: is it worth using Visa travel insurance?
Yes, the Visa travel insurance it's definitely worth it — especially if you follow the rules correctly.
It is free, covers the essentials in many situations, and can prevent significant losses during the trip.
Even so, it is always important to analyze the destination, the travel profile, and if necessary, acquire extra protection.
💡 Use wisely: understand the coverages, issue your policy in advance, and always have the documents on hand. This way, you can enjoy the benefits without surprises.
Frequently Asked Questions about Visa Travel Insurance
1. How to get the travel insurance from the Visa card?
You need to purchase the ticket with an eligible Visa card and issue the policy on the Visa benefits website before boarding.
2. Who is entitled to Visa travel insurance?
Holders of Visa Platinum, Signature, or Infinite cards and passengers who had their tickets paid for with these cards.
3. What does Visa travel insurance cover?
Medical expenses, dental expenses, lost luggage, flight delays, trip cancellations, among others.
4. What is the validity of the Visa travel insurance?
The coverage is valid for up to 60 consecutive days from the date of departure.
5. Is it possible to use insurance if the ticket was purchased with miles?
Yes, since the boarding fees have been paid with an eligible Visa card.
6. Can I purchase insurance after the trip has started?
No. The policy must be issued before boarding to ensure coverage.
7. How to know if my Visa card has this benefit?
Check the Visa benefits portal or consult your issuing bank.
8. Is it reliable to use only the credit card insurance?
Yes, as long as the rules are followed correctly and you know the coverage limits.
9. What is the difference between Visa Platinum and Visa Infinite?
The Visa Infinite offers higher limits, more benefits, and broader coverage than the Platinum.
10. Does the insurance cover dental care?
Yes, but only in cases of urgency during international travel.
11. Can I use the insurance in any country?
Yes, as long as it's an international trip and the country is not on the insurer's exclusion list.
12. What is required to use the insurance?
Policy issued, proof of ticket purchase with the card, and personal documents.
13. Who manages the Visa travel insurance?
Usually the insurer is AIG or AXA, depending on the country and the card.
14. How does the reimbursement of medical expenses work?
You pay for the service and request a refund by sending proof for analysis.
15. Can I add other people to the policy?
Yes, as long as the tickets have been paid for with the cardholder's Visa card.
16. Does the insurance cover missed flight connections?
Yes, this is one of the items included in the coverage.
17. Is there an age limit for using the insurance?
Yes, most coverages have an age limit, usually up to 80 years old. Check the terms of Visa.
18. How to issue the Visa travel insurance policy?
Access the Visa benefits portal, log in, register your card, and generate the ticket.
19. Is it possible to have an online medical consultation?
Yes, with the Visa Digital Doctor service, available for certain card categories.
20. Is insurance accepted at European immigration?
Yes, the policy meets the requirements of the Schengen Treaty (minimum coverage of €30,000).
