Increasingly, yes — but "often" is not "always", and the difference between being reimbursed and not usually comes down to two things: the wording of your policy, and the paperwork you leave the consultation with.

What to look for in your policy

Search the document for these words rather than assuming:

  • Teleconsultation, telemedicine or remote consultation — the term varies by insurer.
  • Outpatient medical expenses abroad — an online consultation usually falls here.
  • Pre-authorisation. Some policies require you to call the assistance line before being seen. Skipping that step is a common reason for refusal.
  • Excess. If your excess is higher than the consultation, claiming may not be worth the paperwork.

The three documents that decide the claim

  • The invoice — in Brazil, the nota fiscal. It must show the provider, the date, the service and the amount. A plain receipt is often refused.
  • The medical report or consultation record — what was assessed and concluded.
  • The prescription, if one was issued, plus the pharmacy receipt if you are claiming for medication.

Ask for all of it at the time. Chasing documents from another country weeks later is far harder than asking while you are still in the conversation.

How to claim, in order

  1. Call the assistance number first if your policy requires pre-authorisation.
  2. Have the consultation and collect the three documents.
  3. Submit the claim within your policy's deadline — often 30 days.
  4. Keep copies of everything you send.

If it is not covered

An online consultation is generally among the least expensive ways to be seen, which is why many travellers pay it directly rather than spend the time claiming. Compare it with your excess before deciding.

Frequently asked questions

Do insurers accept telemedicine consultations?

Many do, but it depends on the policy wording. Check before you travel.

What document does the insurer need most?

The formal invoice, the nota fiscal, with the provider's details.

Do I need to call before the consultation?

If your policy requires pre-authorisation, yes. Not doing so can void the claim.

How long do I have to claim?

It varies — often 30 days. Check your policy and do not leave it until you are home.

General information, not individual medical advice. Reviewed by Dr. Marcelo Rafael Lujan, physician registered with CRM-SC 42.900.

Need to be seen now and sort the claim afterwards? See how an online consultation works — you get the documents your insurer will ask for.