Best International Travel Insurance for Chilean Travelers (2026)
Chile's health coverage stops at the border. Compare the top plans for Chilean residents — from $2/day — covering Spain, Italy, France, and beyond.
Top Plans for Chilean Travelers
IMG Patriot International
via Tower Hill Travel Insurance
From
$2/day
The leading travel medical plan for non-US residents — high limits, full emergency evacuation back to Chile, and 24/7 multilingual assistance.
- Up to $5,000,000 medical maximum
- Emergency evacuation + repatriation to Chile
- COVID-19 treated as any other illness
- Available to Chilean nationals
- Pre-existing acute onset coverage (select tiers)
- 24/7 multilingual emergency assistance
- Schengen-compliant (meets €30K visa requirement)
- Instant online policy — coverage starts same day
WorldTrips Atlas Journey
via Tower Hill Travel Insurance
4–8% of
trip cost
All-in-one trip insurance covering medical + trip cancellation. Best if you have significant non-refundable bookings (flights, hotels, tours).
- Up to $500,000 emergency medical
- Trip cancellation — 100% of non-refundable costs
- Cancel For Any Reason (CFAR) upgrade available
- Emergency evacuation and repatriation
- Trip delay: $200/day after 6 hours
- Baggage loss and delay included
- Available to international travelers
- 24/7 emergency assistance
Squaremouth Comparison
30+ insurance carriers
Compare
30+ plans
Compare rates from 30+ carriers side by side. Best if you want the widest selection or are looking for the lowest price for your specific dates.
- Compare 30+ international travel insurance providers
- Filter by medical limit, evacuation, trip cancellation
- International plans for non-US travelers
- Best-in-class price transparency
- Zero-complaint guarantee
- Instant comparison in under 2 minutes
How Much Does International Travel Insurance Cost?
Cost depends on your age, trip length, destination, and coverage level. Here's a realistic guide for Chilean travelers:
| Traveler Age | Medical Only (per day) | With Trip Cancellation |
|---|---|---|
| Under 40 | $2–$4/day | 4–5% of trip cost |
| 40–59 | $3–$7/day | 5–6% of trip cost |
| 60–69 | $6–$13/day | 7–8% of trip cost |
| 70–79 | $11–$22/day | 8–10% of trip cost |
| 80+ | $20–$45/day | Limited options |
Example: A healthy 42-year-old Chilean traveler on a 14-day trip would pay roughly $50–$100 for medical-only coverage, or $180–$350 for a comprehensive plan on a $3,500 trip.
Which Plan Is Right for You?
Choose IMG Patriot if…
- • You mainly need medical + evacuation
- • You're traveling for 3+ months
- • You want the highest coverage limits
- • You need Schengen visa documentation
Choose WorldTrips if…
- • You have non-refundable bookings
- • You want trip cancellation coverage
- • Your trip is under 90 days
- • You want one policy for everything
Use Squaremouth if…
- • You want to compare 30+ options
- • Price is your primary concern
- • You want side-by-side comparison
- • You're comfortable evaluating plans
Why Chilean Travelers Need International Travel Insurance
Chile is South America's wealthiest nation per capita and one of its most internationally connected. Chilean travelers are enthusiastic consumers of European tourism — Spain and Italy are top destinations. Japan is growing rapidly as a luxury leisure destination. Chile's geographic isolation at the southern tip of South America means Chileans are accustomed to long-haul international travel.
Your Chile Health Coverage Won't Help You Abroad
Chile's FONASA (public health fund) and ISAPRE (private insurers) are valid only within Chile. International medical emergencies in Europe or Japan require full out-of-pocket payment. A hospitalization in Spain or Germany without insurance can cost a Chilean traveler the equivalent of several months' salary.
Schengen Visa Requirement
Chilean citizens can enter the Schengen area without a visa for short stays. Travel insurance is strongly recommended and required for long-stay student or work visas to Schengen countries.
Popular International Destinations for Chilean Travelers
Without international travel insurance, any medical emergency in these destinations requires immediate out-of-pocket payment — often in foreign currency — before treatment begins. A single hospitalization abroad can cost the equivalent of months of household income.
Route-Specific Travel Insurance Guides
Ready to Get Covered?
Get an instant quote for IMG Patriot International or WorldTrips Atlas Journey. Coverage from $2/day — policy issued immediately online.
Frequently Asked Questions
Do Chilean travelers need international travel insurance?
Yes — Chile's domestic health coverage provides zero protection outside the country. Chile's FONASA (public health fund) and ISAPRE (private insurers) are valid only within Chile. International medical emergencies in Europe or Japan require full out-of-pocket payment. A hospitalization in Spain or Germany without insurance can cost a Chilean traveler the equivalent of several months' salary. An international travel insurance policy covers emergency medical treatment, hospitalization, medical evacuation back to your home country, and optionally trip cancellation if you need to cancel before departure.
What travel insurance do Chileans need for a Schengen visa?
Chilean citizens can enter the Schengen area without a visa for short stays. Travel insurance is strongly recommended and required for long-stay student or work visas to Schengen countries. The policy must cover the full Schengen area with at least €30,000 in emergency medical benefits and include repatriation of remains. IMG Patriot International and WorldTrips Atlas Journey both meet Schengen requirements. Tower Hill can provide a certificate of insurance for visa applications.
How much does international travel insurance cost for Chilean travelers?
The cost depends on your age, destination, trip length, and coverage level. A travel medical-only policy (without trip cancellation) typically costs $2–$8 per day for travelers under 60, and $8–$25 per day for travelers over 65. A comprehensive policy including trip cancellation costs 4–8% of your total non-refundable trip cost. Use Squaremouth to compare rates instantly, or get a quote from Tower Hill for IMG and WorldTrips plans.
What is the best international travel insurance for Chilean travelers visiting Spain?
For Spain, we recommend IMG Patriot International (available through Tower Hill) for the highest medical limits and evacuation coverage, or WorldTrips Atlas Journey if you also want trip cancellation. Both are available to Chilean travelers. For a price comparison across 30+ carriers, use Squaremouth. The most important coverage to have is emergency medical (at least $100,000) and evacuation (at least $250,000) — healthcare in Spain for uninsured foreigners is expensive and must be paid upfront.
Does international travel insurance cover pre-existing conditions for Chilean travelers?
Some plans cover pre-existing conditions — specifically for "acute onset" (a sudden, unexpected flare-up of a stable pre-existing condition). IMG Patriot International offers acute onset coverage on select tiers. If you have a serious pre-existing condition, disclose it fully when applying and select a plan that explicitly includes this benefit. Tower Hill's quote tool will show you which plans offer pre-existing condition benefits for your profile.
When should Chilean travelers buy international travel insurance?
Buy as soon as you make your first trip deposit — ideally within 14 days. This timing unlocks pre-existing condition coverage and Cancel For Any Reason (CFAR) upgrades that are not available if you wait. There is no price penalty for buying early — the policy simply activates on your departure date. Many Chilean travelers mistakenly assume they can purchase insurance the day before departure; you can, but you will miss important protections.
What happens if I have a medical emergency abroad and need to go to a hospital?
Call the 24/7 emergency assistance number printed on your insurance card immediately. Your insurer's emergency team can identify approved hospitals near you, communicate with local providers in their language, pre-authorize treatment to minimize upfront payment, and coordinate medical evacuation back to Chile if your condition requires it. Do not wait until after treatment to notify your insurer — pre-authorization typically speeds up the claims process and reduces the amount you may need to pay out of pocket.