But how does SURA stack up against Asteroid Assistance's tech-forward approach? Let's compare coverage, claims experience, and overall value.
SURA: The Established Player
Latin American roots: Deep understanding of the Latin American travel market and its specific needs
Asteroid Assistance: Innovation and Technology
Asteroid brings a modern, technology-driven approach to travel insurance, combining parametric payouts with expert human support:
Coverage Comparison
A reimbursement model for care outside the preferred network. For high-medical-cost destinations like the USA, the standard model requires the insured to finance the emergency and wait to be paid back.
MDabroad issues the guarantee directly to the hospital — no capital out of the insured's pocket.
The Key Differences
SURA offers the reassurance of an established brand with proven global infrastructure. If brand recognition and established processes matter to you, SURA is a solid choice.
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| SURA Seguros | Asteroid Assistance | |
|---|---|---|
| Role / Model | LATAM insurer (Colombian) | Insurer + integrated TPA |
| Assistance execution | Local TPAs per country | MDabroad — 26-year specialist |
| Payment model | Reimbursement | Direct to the hospital |
| Claim speed | Varies by destination | Under 48h; parametric = instant |
| Parametric | No | Contractual benefit (standard) + Parametric add-on (coming soon) |
| Transparency | Medium | High — identified chain |
Frequently Asked Questions
SURA is a LATAM insurer of real scale. For international travelers, the reimbursement model and the lack of a dedicated travel operation are the points to watch.
See also: Universal Assistance vs Asteroid | Assist Card vs Asteroid
Is SURA available outside Latin America?
Does Asteroid cover Latin American destinations well?
Yes, Asteroid's MDabroad TPA has extensive hospital networks across Latin America, combined with global coverage in 162 countries.
Which is better for Schengen travel?
Both can meet Schengen requirements, but Asteroid's plans are designed to exceed Schengen minimums on all international plans.
Can I get SURA travel insurance in English?
SURA primarily operates in Spanish and Portuguese. Asteroid offers full English-language support, quotes, and documentation.
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The Verdict
Both SURA and Asteroid deliver quality travel insurance. Your choice depends on your priorities:
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