Brazil is a major destination for business, media, NGO and operational travel, but it is not one simple risk environment. Conditions can vary sharply between major cities, border regions, remote interiors and areas affected by organised crime.
We provide specialist insurance for NGOs, journalists, contractors and organisations working across Brazil, including locations where standard insurers may restrict or narrow cover.
What's included
Designed for complex and operational environments.
Risk in Brazil is highly regional.
Major commercial centres may feel straightforward, but some urban areas, international border zones and remote locations present very different security and medical-access realities. Your cover must reflect where you are actually working.
Can you get insurance for Brazil?
We provide specialist insurance for non-combatants working in Brazil. Some insurers treat Brazil too broadly and fail to reflect the real differences between regions. We assess the actual working environment and can provide cover more closely aligned to how the work is done.
More than a generic travel policy
Brazil combines major infrastructure, healthcare and transport networks with regions where access, security and response capability are much more demanding. Standard travel insurance often assumes a predictable urban trip — in Brazil, that assumption may not hold once work extends into higher-risk districts, border zones or remote areas.
This policy is built for how professional travel actually works across Brazil.
Country context
The situation
Brazil remains a major operational and commercial destination, but official travel advice continues to warn that crime, kidnapping and gang-related violence affect some areas more than others.
US travel advice highlights increased caution requirements due to crime and kidnapping, identifying several higher-risk areas including certain international border zones. Canadian advice warns of high crime rates and regular gang-related violence in urban areas.
Movement is generally possible, but can be hindered in areas especially affected by organised crime or climate-related disruption.
What to watch
Why it can be challenging
Organised crime and violence in some urban districts
Gang-related violence and organised crime affect specific urban areas disproportionately. Conditions can change sharply between districts within the same city.
Kidnapping risk in certain areas
Kidnapping remains a risk in some regions. Standard travel insurance does not cover kidnap and ransom — separate specialist cover would be required for that risk.
Higher-risk border regions with more limited support
International border zones, particularly in the north and west, present elevated risk and more limited emergency response capability.
Variable infrastructure and medical access
While São Paulo, Rio and other major centres have strong medical facilities, quality and speed of care degrades significantly in rural or remote areas.
Operational complexity
Moderate to high
Depends on which areas are involved. Major business centres are generally manageable; border regions, remote areas and higher-risk districts increase complexity.
Medical access outside major centres
Variable
Strong in São Paulo, Rio de Janeiro and major cities. Significantly more limited in rural states, border zones and remote areas.
Evacuation difficulty
Moderate to high
Good airport access from major cities. Evacuation from remote areas, particularly in the Amazon region or border zones, requires more extensive coordination.
Practical relevance
Teams operating across regions with very different security and practical conditions, often working where state services are limited.
Reporting in environments where district-level conditions and local access matter — including urban areas and border regions.
Projects requiring movement between major centres, industrial sites and higher-risk regions where the risk picture changes by location.
Assignments where standard travel insurance may not properly reflect the real operating environment or correctly assess regional risk.
Emergency support
NGS provides 24/7 emergency medical and operational support, including evacuation and coordination of care. In a country where conditions can differ sharply from one city, district or region to another, that support becomes critical.
You are not relying on a policy document alone. You have access to practical support when it matters.
Continuity
Yes. Cover continues across your declared itinerary, including movement between countries, provided your travel has been accurately disclosed in advance.
For teams operating across multiple Latin American countries, accurate disclosure of the full operational picture is essential for cover to respond properly.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy is designed to protect people, not possessions.
Cover not included
Activity exclusions
Property exclusions
These covers can be arranged separately if required.
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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