Updated September 28, 2026 · SumCue Editorial Team
Porto Seguro vs TIPINSURE
TIPINSURE
Porto Seguro
Higher score in this comparison
Where Porto Seguro and TIPINSURE differ
| Compare | Porto SeguroReviewSee alternativesSee alternatives | TIPINSUREReviewVisitVisit |
|---|---|---|
| Premium from | R$19.90 | THB 699 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Claims channels | Mobile app, Whatsapp, Phone, Email | Phone, App, Online |
| Age range | Policy holder over 18 for phone insurance (Seguro Celular) | 20-60, renewable to 64 |
| Cover limit | Not confirmed | 500,000 THB |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 9.2.
- Insurance types: only Porto Seguro offers Life, Gadget.
- Insurance types: only TIPINSURE offers Critical illness.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Email.
- Claims channels: only TIPINSURE offers App, Online.
- Support channels: only Porto Seguro offers Email.
Our verdict on each
Porto Seguro
Porto Seguro suits Brazilian households who want one insurer plus a bank and a card in the same place, with premiums from BRL 19.90 and monthly payments available. Its credit card carries an annual fee of BRL 39 and its lending runs through its own bank, so costs sit alongside the cover.
TIPINSURE
TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.
Score breakdown
| Area | Porto Seguro | TIPINSURE |
|---|---|---|
| Cost | 9.3HigherPremiums start at BRL 19.90, and the credit card adds an annual fee of BRL 39 with a currency conversion fee of 0%. | 8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price. |
| Offer | 9.7Higher | 9.2 |
| Trust | 9.5 | 9.5 |
Licences and countries
| Country | Porto Seguro | TIPINSURE |
|---|---|---|
| Brazil | Not confirmed |
Additional countries for Porto Seguro: 1. Additional countries for TIPINSURE: 1.
Where they rank in our lists
| Ranking | Porto Seguro | TIPINSURE |
|---|---|---|
| Insurance | 74 of 627 | 26 of 627 |
| Health insurance | 24 of 200 | 12 of 200 |
| Car insurance | 31 of 279 | 10 of 279 |
| Home insurance | 30 of 258 | 10 of 258 |
| Travel insurance | 45 of 278 | 15 of 278 |
| Pet insurance | 15 of 157 | 5 of 157 |
Sources behind this comparison
Porto Seguro
- portoseguro.com.br: 10 facts, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Porto Seguro | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Porto Seguro Cia. de Seguros Gerais | TIPINSURE Public Company Limited |
| Headquarters | Brazil | Thailand |
| Founded | Not confirmed | 1951 |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Phone, Chat, Help centre |
Credit cards
| Fact | Porto Seguro | TIPINSURE |
|---|---|---|
| Annual fee | R$39 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Features | Rewards | Not confirmed |
| Rewards rate | 1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite) | Not confirmed |
| Perks | IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold | Not confirmed |
| Card kind | Credit | Not confirmed |
Loans
| Fact | Porto Seguro | TIPINSURE |
|---|---|---|
| Term | up to 60 months | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal, Car, Secured, Business | Not confirmed |
Pros and cons
Porto Seguro
Pros
- One insurer covers auto, home and life in one place
- Monthly payments are available, so premiums can be spread
- Claims run through mobile app, whatsapp and phone, including WhatsApp and a mobile app
Cons
- The card's annual fee of BRL 39 applies alongside a first year free offer only on the first card
- Policy holders on phone insurance must be over a minimum age
TIPINSURE
Pros
- One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
- Monthly payments are available, not yearly only
- Claims run on phone, app and online: phone, app and online
Cons
- The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
- Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered
Who each suits
Porto Seguro
Who it suits
- Households in Brazil who want auto, home, life, health, travel, pet, motorcycle and gadget cover from one insurer
- People who want monthly payments rather than a single annual premium
- Card customers who spend abroad and want points rather than cashback
Who should look elsewhere
- Anyone wanting a single-purpose savings account, where Linxea is the more focused option
- People outside Brazil, since the insurer and its bank are Brazilian
- Borrowers who want long fixed terms, as lending tops out at up to 60
TIPINSURE
Who it suits
- Households in Thailand insuring a car, home, pet and travel in one place
- Drivers and motorcyclists who want monthly premiums rather than a yearly payment
- Adults building health cover alongside a critical illness policy
Who should look elsewhere
- Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
- Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer
Current offers
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Porto Seguro | TIPINSURE |
|---|---|---|
| Brazil | Yes | No |
| Thailand | No | Yes |
Questions about each
Porto Seguro
What does Porto Seguro cover?+
It is an insurer covering auto, home, life, health, travel, pet, motorcycle and gadget policies, listed under auto, home and life. Cover sits with the group rather than a broker, so policies come direct from the insurer.
How much are premiums?+
Premiums start at BRL 19.90 on the entry plans, and monthly payments are available, so cover can be paid for across the year rather than in a single charge. The policies sit under auto, home and life.
TIPINSURE
What does TIPINSURE actually insure?+
TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.
How much does a TIPINSURE policy cost?+
The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.
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TIPINSURE
Porto Seguro