Emigrating is probably one of the greatest acts of courage a human being can perform, especially when the driving force behind the move is love for the family left behind in your home country.
When you arrive in Europe, you are faced with a new reality where every decision counts and where stability is built step by step, so be aware of what you need to do in order to be able to make the right decisions. types of insurance to take care of your health, your future and your peace of mind as a migrant is an essential thing to do as soon as you start your new life.
Between job hunting, learning new languages and managing monthly remittances, a question arises that we often put off, but which is vital: What types of insurance do I really need to protect my new life?
We are not simply talking about bureaucratic red tape or legal requirements to obtain residency; we are talking about creating a safety net that allows you to remain the pillar of your family and friends. without an unforeseen event bringing down everything you have built with so much effort.
Like migrant in countries such as Spain, Italy, France and Germany, understanding the protection ecosystem is essential. Your health is the tool that secures your work, your home is the shelter and your life is the livelihood of those waiting for your support on the other side of the ocean.
In this article, we will explore in depth the various types of insurance available in the European market, analysing how each of them becomes an extension of the care you send every month through Curiara.
Because support from a distance not only involves sending money, but also to make sure that you will be well enough to be able to continue doing so in the future.
Private health insurance
Private health insurance may be a luxury, but it is also the cornerstone of your integration into the European continent. While it is true that most countries in the European Union have public health systems of prestige, the reality for the migrant newcomers can be other.
Waiting lists for specialists can take months and, in many cases, having a private insurance policy is a legal prerequisite for immigration procedures, such as non-gainful residence, family roots or student visas.
These policies typically include everything from general medicine to complex specialties such as neurology or cardiology, as well as high-tech diagnostic tests and hospital surgery.
The cost, which usually ranges from 40 to 100 euros per month depending on age and family group, is a minimal investment compared to direct private medical expenses.
A simple emergency admission or minor intervention without insurance could cost you thousands of euros, putting your savings and the stability of your remittances at risk.
Home and liability insurance
When you rent your first flat or room in Europe, you often find yourself faced with the requirement to take out home insurance or one of Civil Liability. Many migrants make the mistake of thinking that this is an unnecessary expense imposed by the landlord, but nothing could be further from the truth.
The Civil Liability insurance is the one who vouches for you if, by accident, you cause damage to a third party. Imagine that you burst a pipe and this causes a flood in the flat below. Without civil liability insurance, you may have to pay out of your own pocket for the neighbour's repairs, which in some cities like Paris or Madrid can be quite high.
A comprehensive home insurance covers not only structural damage, but also your personal belongings against theft, fire or electrical damage.
For a monthly fee of around 10 to 15 euros, you protect your TV, your computer and your furniture, but above all, you protect your bank account from unforeseen legal claims that could arise at any time.
Life insurance: The most profound gesture of responsibility to your loved ones
Talking about life insurance may be uncomfortable or even taboo in our culture, but for a migrant who is the main breadwinner in his or her family, it can be the highest act of responsibility.
You don't take out life insurance for yourself, you take it out to ensure that, in the event of your absence, your parents, children or spouse are not left in destitution in an economic context as difficult as, for example, the Venezuelan one. This is why it can be considered, in many ways, an extension of your love and foresight.
There are mainly two modalities:
- Risk life insuranceThe insurance policy: pays a certain capital sum to the beneficiaries in the event of the death or disability of the insured person.
- Savings life insuranceThe pension fund: it functions as a private pension fund.
For a 35-year-old Venezuelan in Europe, a policy insuring a capital sum of 100,000 euros can cost 15 to 20 euros per month.
It is a small figure compared to the peace of mind of knowing that your beneficiaries would receive that money directly into their account, without complex legal proceedings, allowing them to cover their basic needs for years to come.
Beneficiaries abroad
It is important to note that, when taking out these types of insurance, you can designate beneficiaries who reside outside Europe. This greatly facilitates logistics at critical moments.
Many migrants also link these insurances to their mortgages, The European Union's policy is to ensure that, if something happens, housing in Europe is paid for and can serve as a refuge or asset for their offspring.
Ultimately, life insurance is a guarantee that the welfare bridge you have built between Europe and Venezuela will not be broken. never, come what may.
Travel insurance: Your passport to a carefree Europe
If you are in process of bringing a family member Whether you are visiting or you are regularising your status yourself, travel insurance is a term you will hear constantly. For Venezuelans who travel, having an insurance with a minimum coverage of 30,000 euros for medical expenses and repatriation is a must. mandatory entry requirement which the border authorities are rigorously verifying in 2026.
This type of insurance is designed to cover one-off emergencies: from sudden appendicitis to a traffic accident while travelling. In addition to medical assistance, these policies often include valuable services such as legal assistance abroad, delivery of forgotten medicines or compensation for lost luggage and flight cancellations.
The cost is proportional to the length of the trip, but it is usually very cheap, around 2 or 3 euros per day if booked in advance.
For those migrants who already reside in Europe, but enjoy travelling across the continent or occasionally returning to Venezuela, there are annual multi-trip policies that provide comprehensive coverage.
Some specialised companies offer 24-hour assistance in Spanish, which is greatly appreciated when you are in a country where you are not fluent in the language and need immediate assistance.
Dental insurance: Keeping your smile without compromising your budget
One of the less pleasant surprises for migrants in Europe is discovering that the public health, usually, does not cover cosmetic dentistry or complex treatments. free of charge.
In most European countries, the public dentist is limited to emergency extractions or very basic cleanings with waiting lists that can exceed one year.
Taking out private dental insurance is the smartest solution to avoid bills of thousands of euros. For a monthly fee of between 10 and 20 euros, you have access to a network of clinics where cleanings, x-rays and consultations are free, and major treatments (such as implants, root canals or the popular invisible orthodontics) are discounted up to 50% off the market price.
This allows you to maintain optimal oral health without affecting your monthly budget.
Car insurance: Obligatory and safe on European roads
If your new life in Europe includes the purchase of a vehicle to commute to work or travel, car insurance is the first procedure to be carried out. Throughout the European Union, it is strictly mandatory driving with at least third party insurance.
Driving without insurance not only leads to fines of thousands of euros and immobilisation of the vehicle, but in case of an accident, the legal consequences could even negatively affect your record for renewing residence permits.
There are three main levels of coverage:
- Third basicCovers damage you cause to other vehicles or persons.
- Enlarged third partiesTheft, fire and glass breakage (highly recommended) are also included.
- All risksEven damage to your own car is covered, even if the accident is your fault.
In Spain, prices are very competitive if you have a good driving record, although migrants sometimes find it difficult to have the age of their original licence recognised.
Irrespective of the country, it is always advisable to include roadside assistance from kilometre zero, so that a mechanical breakdown in the middle of the motorway does not turn into an unaffordable towing charge.
How to choose your insurance package wisely
We know that as a migrant, every euro saved is a euro that can help your loved ones. That's why choosing your insurance should be a strategic process.
Here is one of them roadmap for building your safety net:
- Prioritise what keeps you activeThe first thing is health and civil liability. If you are not healthy, you cannot work; if you have a legal claim, you will lose what you have saved.
- Assess your family situationIf you have children or parents who depend on you, life insurance is not optional, it is a moral and financial necessity.
- Compare before you signUse online comparators to see which companies have the best reputation. Don't just take the first offer you get at the bank.
- Hire digitallyMany insurers offer discounts if you do the whole process online, which fits in with the efficient lifestyle you already lead by using Curiara.
Taking care of yourself is the best way to support them from afar.
Every step you take in Europe has a clear purpose, prosper to provide a better future for your people. The different types of insurance that we have analysed are nothing more than tools to shield that purpose.
When you take out a health insurance policy, you are guaranteeing that tomorrow you will wake up healthy and strong enough to continue working. By insuring your life or your home, you are protecting the fruit of your sacrifices.
At Curiara, We understand this cycle of effort. We know that every time you make a money transfer to Venezuela, there is a love story behind it.
That is why we encourage you not to neglect your own safety. Being well yourself is a prerequisite for your loved ones to be well too.
And remember, foresight is the bridge to peace of mind; so cross that bridge with the confidence that you are making the best decisions for your present and your family's future.