Viajar pode ser uma das melhores experiências da vida, oferecendo oportunidades para explorar novas culturas, visitar marcos históricos, criar memórias para a vida toda e até se aventurar. No entanto, alguns imprevistos podem ser bastante indesejáveis, interrompendo até mesmo os planos de uma viagem super organizada.

Seja viajando para destinos internacionais ou explorando seu próprio país, o seguro com proteção para interrupção de viagem é uma rede de segurança essencial que te ajuda a diminuir o estresse financeiro e emocional decorrente de mudanças inesperadas.
Este artigo explica o que é a cobertura para interrupção de viagem, as situações geralmente cobertas, riscos excluídos e como escolher a apólice ideal para atender às suas necessidades como residente no Brasil.

O que é a Cobertura para Interrupção de Viagem?

Essa cobertura reembolsa determinados custos quando sua viagem é inesperadamente interrompida por motivos previstos na cobertura. Eventos imprevistos, como doenças, acidentes ou emergências familiares, podem encerrar seus planos de viagem imediatamente. Os custos cobertos incluem despesas pré-pagas e não reembolsáveis, como passagens aéreas, hospedagem e passeios, além de custos adicionais para retornar para casa mais cedo.

Para viajantes brasileiros, que muitas vezes investem tempo e dinheiro consideráveis no planejamento de viagens internacionais, essa cobertura pode representar uma proteção essencial. Sem ela, eventos inesperados podem trazer desafios logísticos e financeiros difíceis de administrar sozinho.

Ao planejar sua próxima aventura, considere a importância dessa cobertura. Entender os detalhes e escolher a apólice certa para suas necessidades permite que você aproveite sua viagem com tranquilidade, sabendo que está protegido contra qualquer imprevisto.

O que o Seguro para Interrupção de Viagem cobre?

A cobertura oferecida geralmente inclui:

1. Emergências Médicas
   Doenças ou lesões súbitas, como fraturas ou condições graves, que afetem você ou um(a) companheiro(a) de viagem previsto na sua apólice podem exigir o encerramento da viagem. Por exemplo, imagine que durante suas férias dos sonhos, você sofra uma queda e quebre a perna. A cobertura para interrupção de viagem pode ajudar a cobrir despesas médicas, reembolsar o custo de passeios cancelados e até mesmo ajudá-lo a antecipar seu voo de volta para o Brasil. Esse benefício pode poupar você de um impacto financeiro significativo em uma situação que já é estressante.

As apólices geralmente cobrem interrupções causadas por:

• Hospitalização ou falecimento de um viajante ou parente próximo.
• Condições médicas graves que exijam atenção imediata.

1. Convocação Judicial Inesperada
   Caso você receba uma notificação judicial improrrogável enquanto está viajando, os custos de seu retorno antecipado podem ser reembolsados.
2. Emergências Familiares
   Quando um familiar próximo, no Brasil, enfrenta uma emergência médica grave, um acidente ou até mesmo um falecimento, você pode precisar encurtar sua viagem. O seguro para interrupção de viagem pode ajudar a cobrir os custos associados ao seu retorno antecipado, permitindo que você esteja onde mais precisam de você.
3. Requisitos de Quarentena
   Se, durante sua viagem, um profissional de saúde determinar que você precisa de quarentena devido ao diagnóstico de doenças contagiosas adquiridas durante sua viagem, o seguro para interrupção de viagem pode ajudar com os custos relativos à prorrogação de sua permanência ou de seu retorno antecipado.
4. Deportação devido a Documentação Faltante
   Em casos raros, pode ocorrer uma deportação devido à falta de documentação adicional que não foi previamente solicitada pela agência de viagens ou pela empresa responsável pelo planejamento e venda de sua viagem. Embora a situação seja frustrante e inconveniente, o seguro para interrupção de viagem pode oferecer cobertura para ajudá-lo a retornar para casa rapidamente, sem arcar com todos os custos sozinho.

Você pode solicitar um orçamento para saber mais sobre nossos planos de Seguro Viagem e tudo o que é coberto. Se tiver dúvidas, entre em contato que nossa equipe terá o prazer de te ajudar.

O que não é coberto pelo seguro para interrupção de viagem?

É importante entender as exclusões do seguro para interrupção de viagem para evitar surpresas. As exclusões mais comuns incluem:

• Ingressos para parques e shows: Embora a maioria das apólices ofereça cobertura para despesas não reembolsáveis relacionadas a passeios e serviços de viagem, como transporte, hospedagem e até taxas de inscrição para cursos de intercâmbio em viagens internacionais (limitadas ao valor determinado em sua apólice), ingressos para parques e shows não estão incluídos na cobertura.
• Condições pré-existentes: A menos que especificamente mencionado, a maioria das apólices não cobre interrupções e despesas médicas causadas por condições médicas pré-existentes. Se essa for uma preocupação sua, busque apólices que ofereçam cobertura com uma cláusula para condições pré-existentes.
• Negligência: Interrupções causadas por negligência pessoal, como não renovar o passaporte ou esquecê-lo, geralmente não são cobertas.
• Cancelamentos não essenciais: Os custos se você mudar de ideia sobre a sua viagem ou decidir encurtá-la por razões não emergenciais não será reembolsado.
• Eventos previsíveis: Eventos que poderiam ser facilmente previstos, como uma greve planejada ou uma situação política agravada anunciada antes da reserva da viagem, também podem ser excluídos.

Revisar cuidadosamente os termos e condições da sua apólice é essencial para entender todas as coberturas e o que não está previsto.

Qual é a diferença entre seguro para cancelamento, atraso e interrupção de viagem?

• Seguro para Cancelamento de Viagem: Entra em ação se você precisar cancelar sua viagem antes de começá-la por um motivo coberto. Esse tipo de cobertura garante o reembolso de despesas não reembolsáveis, ajudando a evitar perdas financeiras significativas.
• Seguro para Atraso de Viagem: Oferece reembolso de despesas se sua viagem sofrer atraso de mais de 12 horas por um motivo coberto.
• Seguro para Interrupção de Viagem: Aplica-se uma vez que sua viagem já tenha começado. Essa cobertura entra em vigor se você precisar encurtar sua viagem por um motivo coberto, como uma emergência médica ou crise familiar, fornecendo assistência financeira para despesas não planejadas.

Compare nossos diferentes planos de viagem – Standard, Explorer e Explorer Plus – para escolher o que oferece o nível certo de cobertura para atender às suas necessidades.

• What is trip interruption coverage?
• What does trip interruption insurance cover?
• What isn't covered by trip interruption insurance?
• What is the difference between trip cancellation, trip delay and trip interruption insurance?
• Frequently asked questions

Traveling can be one of life’s most rewarding experiences, offering opportunities to explore new cultures, visit iconic landmarks, create lifelong memories and even open yourself up to the unexpected. However, some unforeseen events can prove unwelcome, as they can interrupt even the best-planned trips.

Whether heading to international destinations or exploring your own country, trip interruption insurance is a crucial safety net that can help mitigate the financial and emotional stress of unexpected and costly changes to travel plans.

This guide explains what trip interruption insurance is, the common scenarios it covers, its exclusions, and how to choose the right policy tailored to your needs as a Brazil resident.  

What is Trip Interruption Coverage?

Trip interruption coverage in travel insurance is designed to reimburse you for certain costs when your trip is unexpectedly cut short due to covered reasons. Unanticipated events like illness, accidents, or urgent family matters can quickly put an end to your plans and enjoyment. The costs covered by travel insurance may include prepaid, non-refundable expenses such as flights, accommodations, and tours, as well as additional costs incurred to return home earlier than planned.

For Brazilian travelers, who often invest significant time and money in planning international trips, trip interruption coverage may prove to be an essential layer of protection. Without it, unexpected events could leave you scrambling to manage both logistical and financial challenges on your own.

When planning your next adventure, don’t overlook the importance of trip interruption insurance. By understanding the coverage details and selecting the right policy for your needs, you can focus on enjoying your journey with confidence, knowing you’re protected against the unexpected.

What Does Trip Interruption Insurance Cover?

The specific coverage offered by the trip interruption benefit includes many scenarios, such as sickness, injury, or the death of yourself, or of a covered travel companion or family member after the start of your trip. Coverage details can vary depending on the policy and plan you purchase. Below are some common situations for Brazil residents where trip interruption insurance can step in to help:

1. Medical Emergencies

A sudden illness or injury affecting you or a covered travel companion may require you to cut your trip short. For example, imagine that halfway through your dream vacation, you fall and break your leg. Trip interruption coverage can help cover your medical expenses, reimburse canceled tours, and even help you anticipate your flight back to Brazil. This benefit can spare you significant financial strain during an already stressful situation.

Policies often cover interruptions caused by:

• Hospitalization or the death of a traveler or close relative.
• Serious medical conditions that require immediate attention.

2. Unexpected Jury Service

If you receive a court notification after your trip has started, you might need to return home to appear in court. Trip interruption insurance can help reimburse the costs of your early return.

Imagine packing your bags for a beach getaway, only to be summoned mid-trip to serve on a jury. While inconvenient, trip interruption insurance ensures you won’t bear the financial burden alone.

3. Family Emergencies

When a close family member back home experiences a serious medical emergency, accident, or even death, you may need to cut your trip short. Trip interruption insurance can help cover the costs associated with returning home early, so you can be where you’re needed most.

4. Quarantine Requirements

If, during your trip, a medical professional imposes quarantine due to a diagnosis of a contagious disease contracted while traveling, trip interruption insurance can help with costs related to the extended stay or early return.

5. Deportation Due to Missing Documentation

In rare cases, deportation can occur due to a lack of additional documentation that was not previously requested by the travel agency or company responsible for your trip’s planning and sale.

While the situation can be frustrating and disruptive, trip interruption insurance can provide coverage to help you return home quickly without bearing the full cost yourself.

You can get a quote to learn more about our plans and everything that is covered. If you have questions, contact our team and they will be happy to assist.

What isn’t covered by trip interruption insurance?

It’s important to understand the exclusions of trip interruption insurance to avoid surprises. Common exclusions include:

1. Tickets to parks and shows: Although most policies offer coverage for non-refundable expenses related to tours and travel services, such as transportation and accommodation, and even registration fees for exchange courses on international trips (limited to the amount determined in your policy), tickets for parks and shows are not covered.
2. Pre-Existing Conditions: Unless specifically stated, most policies don’t cover interruptions and medical bills caused by pre-existing medical conditions. If this is a concern, look for policies that offer coverage with a pre-existing conditions waiver.
3. Negligence: Interruptions caused by personal negligence, such as failing to renew your passport or leaving it behind, are generally not covered.
4. Non-Essential Cancellations: Changing your mind about traveling or deciding to cut your trip short for non-emergency reasons won’t be reimbursed.
5. Foreseeable Events: Events that could reasonably have been anticipated, such as a planned strike or worsening political situation announced before booking your trip, may also be excluded.

Carefully reviewing the terms and conditions of your policy is essential to understanding what’s covered and excluded.

What is the difference between trip cancellation, trip delay, and trip interruption insurance?

Trip Cancellation Insurance comes into play if you need to cancel your trip before it begins due to a covered reason. This type of coverage ensures you are reimbursed for non-refundable expenses, helping you avoid significant financial loss.

Trip Delay Insurance provides reimbursement for reasonable expenses if your journey is delayed by more than 12 hours for a covered reason.

Trip Interruption Insurance applies once you’ve started your trip. This coverage kicks in if you need to cut your trip short due to a covered reason, such as a medical emergency or family crisis, providing financial assistance for unplanned expenses.

Compare our different travel plans – Standard, Explorer and Explorer Plus to choose what plan has the right level of coverage to meet your travel needs.

Imagine this: you booked your dream trip months ago and have been counting down the days to takeoff. Finally, the day has come! Your bags are packed, itinerary checked, boarding pass in hand. You arrive at the airport only to find the word ‘DELAYED’ splashed across the screen next to your flight number.

While situations like these can be disappointing, World Nomads travel insurance may help you handle the unexpected and keep your travel plans moving forward (even if it’s a little later than planned).

Cover depends on your country of residence, and the limits depends on the policy that you choose, so make sure you read your policy carefully.

• Does World Nomads cover trip delays?
• Can I claim for trip delays?
• What is not covered under trip delays?
• Need to know more?

Does World Nomads cover trip delays?

Whether it’s your flight or your cruise, there’s more than one way to be caught off guard by a trip delay when you’re on holiday.

If your trip gets delayed by the minimum time mentioned in your policy wording, you may be covered for accommodation, meals, local transportation, and other basic expenses that you’ve had to incur as a result of the trip delay. We would recommend that you check your individual plan, as coverage varies according to your country of residence.

In order to qualify for this benefit, your travels must have been delayed by a reason mentioned as covered under the policy.

A World Nomads travel insurance policy also provides access to the 24/7 Emergency Assistance team, ready to help if you need to claim.

Travel insurance tip: Be sure to keep a copy of all of your receipts so that you can submit them with your claim. If the travel delay happened on commercial transportation, you’ll need to file a claim with your carrier before asking for reimbursement under your travel insurance.

Can I claim for trip delays?

If your trip delay meets the conditions outlined in your policy, you may be able to file a claim for things like:

• Basic expenses that you had to pay for because of the delay. Terms and conditions, exclusions and limitations apply.
• Any non-refundable, pre-paid portions of your trip that you’ve had to forfeit because of the delay (such as a hotel night or a tour).

To file a claim you’ll need to:

• Retain all documentation from your airline, transport, and/or tour provider detailing the cause and duration of the delay
• All receipts and documentation for expenses you incur
• And any other relevant documents for your claim

What is not covered under trip delays?

Travel insurance is designed to help when your trip is affected by the unexpected, but not all delays qualify for coverage. Some examples of when you’re not covered include:

• Delays that are less than the minimum amount of time specified in your policy
• Delays caused by expected events
• Costs that are unnecessary or extravagant
• Expenses that are covered by your common carrier.

Get a travel insurance quote from World Nomads today.

It’s important to read over your policy wording carefully, and always check the terms and conditions of your policy for full details what is and isn’t covered.

Need to know more?

When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.  

The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the Policy Wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.

You’ve been buzzing about your trip to Bali for weeks. Cozzies and sunscreen are packed, and your boarding pass is in-hand. But just as you’re about to board, your flight is delayed because there’s a volcanic ash cloud shrouding the island. While trip delays like these are a buzz kill, travel insurance with World Nomads may help ease the stress.

• Does World Nomads cover trip delays?
• Can I claim for trip delays?
• What is not covered under trip delays?
• Need to know more?

Does World Nomads offer cover for trip delays?

Whether it’s your flight or your cruise, there’s more than one way to be caught off guard by a trip delay when you’re on holiday. If your trip gets delayed by the minimum time listed in your policy, you may be covered for accommodation, meals, local transportation, and other basic expenses that you’ve had to incur as a result of the trip delay.

In order to qualify for this benefit, your travels must have been delayed by a reason listed as covered under the policy.

Travel insurance tip: Be sure to keep a copy of all of your receipts so that you can submit them with your claim. If the travel delay happened on commercial transportation, you’ll need to file a claim with your carrier before asking for reimbursement under your travel insurance.

A World Nomads travel insurance policy also provides access to the 24/7 Emergency Assistance team, ready to help if you need to claim.

Get a travel insurance quote from World Nomads today.

Can I claim for trip delays?

If your trip delay meets the conditions outlined in your policy, you may be able to file a claim for things like:

• Basic expenses that you had to pay for because of the delay. Terms and conditions, exclusions and limitations apply.
• Any non-refundable, pre-paid portions of your trip that you’ve had to forfeit because of the delay (such as a hotel night or a tour).

To file a claim you’ll need to:

• Retain all documentation from your airline, transport, and/or tour provider detailing the cause and duration of the delay
• All receipts and documentation for expenses you incur
• And any other relevant documents for your claim

What is not covered under trip delays?

Travel insurance is designed to help when your trip is affected by the unexpected, but not all delays qualify for coverage. Some examples of when you’re not covered include:

• Delays that are less than the minimum amount of time specified in your policy
• Delays caused by expected events
• Costs that are unnecessary or extravagant
• Expenses that are covered by your common carrier.

It’s important to read over your Product Disclosure Statement (PDS) carefully, and always check the terms and conditions of your policy for full details what is and isn’t covered.

Need to know more?

When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us, and we’ll help explain it all.  

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your PDS in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch