Visitor Insurance for Brazilians Visiting Florida
Florida is the #1 US destination for Brazilians — over 1.5 million Brazilians visit Florida every year, primarily to Orlando and Miami. Whether for Disney World, shopping, or visiting the large Brazilian community in Pompano Beach and Deerfield Beach, Brazilian Unimed and private plans stop at the border.
Why Brazilians Visit Florida
Florida is home to approximately 1.5 million annual visitors Brazilian-born residents — one of the largest Brazilian communities in the US. Every year, hundreds of thousands of Brazilians visit Florida on B1/B2 tourist visa, ESTA (if eligible), E-2 investor visa, L-1 intracompany visa visas to see family, receive medical care, and attend important life events. Most arrive without any understanding of what US healthcare actually costs.
Important: Brazilian private insurance — Unimed, Bradesco Saúde, Amil, SulAmérica — is domestic-only. The US is explicitly excluded from all Brazilian health plans. The CPBR (Cadastro de Planos Beneficiários da Regulamentação) governs Brazilian health insurance and does not require plans to cover international travel. Any care in Florida is entirely uninsured without a US visitors policy. Note: international travel insurance from Brazilian insurers like Porto Seguro Turismo or Bradesco Seguro Viagem provides limited emergency coverage — always purchase a comprehensive US visitors policy rather than relying on Brazilian travel insurance.
Why Brazilians Come to Florida
Disney World & Theme Parks
Orlando is the #1 destination for Brazilian families. Walt Disney World, Universal, and SeaWorld attract millions of Brazilian tourists annually.
Shopping
Sawgrass Mills, Dolphin Mall, Aventura, and Brickell City Centre are top Brazilian shopping destinations. Luxury goods, electronics, and clothing are significantly cheaper than in Brazil.
Brazilian Community
Pompano Beach, Deerfield Beach, and Hallandale Beach in Broward County have large Brazilian communities. Family visits are constant.
Beach Tourism
Miami Beach, Fort Lauderdale, and Clearwater Beach are popular Brazilian vacation spots.
Business & Investment
Miami is a hub for Brazilian business investment and commerce. B1/B2 business travel from São Paulo and Rio de Janeiro is high-frequency.
English Language Schools
Many Brazilians study English in Florida before applying for US visas or entering US universities.
What US Medical Bills Actually Look Like in Florida
Emergency Room Visit
$3,100–$8,000
Triage, exam, basic tests
One Night Hospitalization
$11,700–$22,000
Room, nursing, meals only
Cardiac Event Treatment
$75,000–$185,000
Catheterization, ICU, meds
Medical Evacuation Home
$95,000–$250,000
Air ambulance back to Brazil
Visa Types & Coverage Eligibility
B1/B2 tourist visa
Eligible for all visitors insurance plans from Tower Hill
ESTA (if eligible)
Eligible for all visitors insurance plans from Tower Hill
E-2 investor visa
Eligible for all visitors insurance plans from Tower Hill
L-1 intracompany visa
Eligible for all visitors insurance plans from Tower Hill
Visitors Insurance Cost for Brazilians
Monthly premium estimates · $100,000 coverage · $250 deductible
| Age | 30 Days | 60 Days | 90 Days |
|---|---|---|---|
| 25–34 | $28–$42 | $55–$83 | $82–$124 |
| 35–44 | $33–$52 | $65–$103 | $98–$155 |
| 45–54 | $45–$72 | $89–$143 | $133–$215 |
| 55–64 | $72–$118 | $143–$235 | $215–$352 |
| 65–69 | $115–$188 | $229–$375 | $343–$562 |
| 70–74 | $165–$265 | $329–$529 | $493–$793 |
| 75–79 | $215–$355 | $429–$709 | $643–$1,063 |
Major Hospital: AdventHealth Orlando / Orlando Health, Orlando
AdventHealth Orlando is the largest hospital in metro Orlando and a top destination for medical care near Disney. Orlando Health Arnold Palmer is the children's hospital. Emergency visits average $3,500–$9,000. Both have Portuguese-speaking staff in key departments.
All Tower Hill visitors insurance plans are accepted for emergency care at this facility.
Best Visitors Insurance Plans for Brazilians in Florida
All three plans are accepted at any US hospital, purchased entirely online in minutes, and include emergency evacuation back to Brazil.
IMG Patriot America Plus
UHC PPO network
- ✓ Up to $1,000,000 coverage
- ✓ Acute onset pre-existing: $25K
- ✓ Emergency evacuation included
- ✓ Up to 364 days
Trawick Safe Travels USA Comprehensive
First Health PPO
- ✓ Up to $1,000,000 coverage
- ✓ Acute onset pre-existing: $100K
- ✓ Dental emergency included
- ✓ Telemedicine included
WorldTrips Atlas America
UnitedHealthcare PPO
- ✓ Up to $2,000,000 coverage
- ✓ $1M evacuation coverage
- ✓ Acute onset included
- ✓ Mental health coverage
Compare Plans Before You Visit Florida
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Frequently Asked Questions
I have Bradesco Saúde premium plan in Brazil. Does that cover me in Orlando?
No. Bradesco Saúde — like all Brazilian health plans regulated by ANS — is a domestic Brazilian plan with zero US coverage. The US is excluded. Even premium plans from Unimed, Amil, or Hapvida do not cover US medical care. You need a separate US visitors insurance policy for every trip.
I have Porto Seguro Seguro Viagem (Brazilian travel insurance). Is that enough?
Brazilian travel insurance products typically provide very limited emergency coverage with low maximums (often R$150,000–R$300,000, which is only ~$30,000–$60,000 USD). For Florida medical costs, this is insufficient. An ICU day in Orlando costs $8,000–$15,000 USD. We recommend purchasing a US visitors insurance policy with at least $100,000 in coverage — preferably $250,000 for anyone 55+.
My Brazilian family is spending 30 days at Disney World and then visiting relatives in Miami. Is that one policy?
Yes — one visitors insurance policy covers the entire US trip from date of arrival to departure. Orlando to Miami, Fort Lauderdale, and back — all covered under one policy. Just set the policy dates to cover your entire US stay.
How much does visitors insurance cost for a Brazilian family visiting Florida?
For a Brazilian couple in their 40s visiting for 30 days, expect $60–$100 for both with $100,000 coverage. For a 60-year-old parent, $72–$118. For a 70-year-old, $130–$210. These are approximate ranges — get an exact quote through our quote engine in under 2 minutes.
My elderly Brazilian parents have diabetes. Can they get coverage?
Yes — visitors insurance is not subject to health underwriting. Diabetes does not affect eligibility or price. However, routine diabetes management (prescriptions, routine checkups, glucose monitoring) is not covered. What IS covered: if your parents experience a diabetic emergency, cardiac event, or other acute condition in Florida, that is covered as acute onset of pre-existing condition up to $25K–$100K depending on the plan.