Portuguese Phrase
Meu seguro cobre isso?
Meaning
The speaker is asking whether their insurance policy includes coverage for a particular item, service, or situation that has just been mentioned or shown. It’s a direct, polite way to confirm coverage.
When to use
Use this question when you receive a bill, a medical report, a car‑damage estimate, or any situation where you need to know if your insurance will pay for it.
✦Grammar Breakdown
Meusegurocobreisso?
Possessive adjective
"Meu" means "my" and agrees in gender and number with the noun it modifies.
Noun gender
"Seguro" (insurance) is a masculine noun, so it takes the masculine possessive "meu".
Present indicative
"Cobre" is the third‑person singular present form of the verb "cobrir" (to cover).
Demonstrative pronoun
"Isso" means "this/that" (neuter) and is used to refer to something previously mentioned or pointed at.
🗨In Conversation
Meu seguro cobre isso?
Does my insurance cover this?
Sim, está incluído na sua apólice.
Yes, it’s included in your policy.
✕Common Mistakes
Meu seguro cobri isso?
"Cobri" is the first‑person past form; you need the third‑person present "cobre" for this question.
Meu seguro cobre esse?
Use the neuter demonstrative "isso" when referring to an abstract or previously mentioned situation; "esse" is masculine and points to a specific noun.
Meu segura cobre isso?
"Segura" is the feminine form of the adjective; "seguro" is the correct masculine noun for insurance.
↔Alternatives
Esse item está coberto pelo meu seguro?
Is this item covered by my insurance?
A minha apólice cobre isso?
Does my policy cover this?
Isso está dentro da cobertura do meu seguro?
Is this within the coverage of my insurance?
Cultural Tip
In Brazil, insurance terminology can vary by sector (health, car, home). When speaking with an agent, it’s common to reference the "apólice" (policy) and the "cobertura" (coverage). Politeness matters: adding "por favor" or "poderia me confirmar" softens the request. Also, keep in mind that many insurers use the term "cobertura" rather than "cobrir" in written documents.