Updated October 21, 2026 · SumCue Editorial Team
Porto Seguro vs WAS Insurance
WAS Insurance
Porto Seguro
Higher score in this comparison
Porto Seguro vs WAS Insurance: the differences
| Compare | Porto SeguroReviewSee alternativesSee alternatives | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, GadgetCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Claims channels | Mobile app, Whatsapp, Phone, Email | Phone, Email, Online |
| Age range | Policy holder over 18 for phone insurance (Seguro Celular) | 18-99 |
| Premium from | R$19.90 | Not confirmed |
| Excess from | Not confirmed | A$100 |
| Cover limit | Not confirmed | Unlimited medical |
Same on both: Monthly payments (Yes).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 8.9.
- Insurance types: only Porto Seguro offers Auto, Home, Life.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp.
- Claims channels: only WAS Insurance offers Online.
- Support channels: only Porto Seguro offers Chat, Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | Porto Seguro | WAS Insurance |
|---|---|---|
| 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%. | 9.0Monthly billing through monthly keeps premiums spread across the year. |
| Offer | 9.7Higher | 8.7Focused range of travel and pet with Unlimited medical on travel plans. |
| Trust | 9.5Higher | 8.8Broker licensed under 536280 with claims via phone, email and online. |
Licences and countries
| Country | Porto Seguro | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Brazil | Not confirmed |
Additional countries for Porto Seguro: 1. Additional countries for WAS Insurance: 1.
Where these facts come from
Porto Seguro
- portoseguro.com.br: 10 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
How they place
| Ranking | Porto Seguro | WAS Insurance |
|---|---|---|
| Insurance | 74 of 627 | 45 of 627 |
| Travel insurance | 45 of 278 | 28 of 278 |
| Pet insurance | 15 of 157 | 8 of 157 |
Every fact side by side
| Fact | Porto Seguro | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Porto Seguro Cia. de Seguros Gerais | Wiseandsilent Pty Ltd |
| Headquarters | Brazil | Australia |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Phone |
Credit cards
| Fact | Porto Seguro | WAS Insurance |
|---|---|---|
| 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 | WAS Insurance |
|---|---|---|
| Term | up to 60 months | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal, Car, Secured, Business | Not confirmed |
Where each stands against the rest
| Fact | Porto Seguro | WAS Insurance | Median |
|---|---|---|---|
| Excess from | Not confirmed | A$100above the median | A$0 |
Median across 7 listed providers.
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
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
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
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
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
Country by country
| Country | Porto Seguro | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Brazil | Yes | No |
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.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.
Other options to compare
Other matchups
WAS Insurance
Porto Seguro