17 answers on travel insurance to avoid perrengues

With the advancement of vaccination and the availability of new drugs, Covid-19 is losing strength and is kicking off the revival of the (still lame) life we ​​once knew.

This recovery can already be seen in the skies: air routes have reconnected countries, with people traveling for business, studying, seeing relatives and friends and, above all, “tourists” – even if this coming and going is a must. face mask, treatment is still necessary because the pandemic, according to the WHO (World Health Organization), is not over.

These new movements outside Brazil have strongly brought protection that has always been part of the traveler’s life, but, in the last two years, has been overwhelmed by the coronavirus: travel insurance.

Travel insurance is already self-explanatory: it is a cover that protects the traveler from any unforeseen events during his trip in the national territory or in another country. And it is an important mechanism not only for air travel, but also for (sea) and land cruises.

Taking on this type of insurance has skyrocketed in 2022. As of the first quarter of this year, the mode experienced a 219% increase in the number of closed policies compared to the same period last year, according to data. of CNseg (National Confederation of Insurance Companies).

The body representing the insurers says that the good performance of travel insurance is a direct consequence of the “resumption of international flights with the relaxation of the restrictions imposed by most countries”, according to an excerpt from a note sent to InfoMoney.

It is a fact! Brazil has already reached 90% of the pre-pandemic level of its domestic demand and has been responsible for the recovery of the aviation sector in South America, according to a recent analysis by the International Air Transport Association (IATA).

The country has relaxed entry rules for travelers. From April it is only necessary to prove that you are vaccinated against the coronavirus without the need for a PCR test (the most reliable test for the detection of Covid-19) to land on the national territory from an international flight. For Iata, the rule change has attracted airlines, which are reintegrating Brazil into their routes.

The recovery, however, is still long: in March 2019 there were 2,075 international routes and 1,970 domestic routes in the Americas. In the same month of 2022 there were 1,684 international routes and 1,868 domestic routes, with a loss of 493 routes across the region, according to IATA.

But already the good wind of aviation positively interferes in the performance of insurers with the growth of travel insurance searches, an element required by most countries for the reception of foreigners.

To enter one of the European Union countries that are part of the Schengen Treaty, for example, the tourist must have a minimum insurance of 30 thousand euros to cover medical assistance in the event of illness or injury.

“This performance encourages companies managing this insurance which today can be easily contracted through digital means and which is affordable for all travelers,” says CNseg.

or InfoMoney structured a question-answer for you who are preparing to pack your bags and need to purchase travel insurance to protect you from perrengues when you are away from home. Watch:

1) What is travel insurance?

Travel insurance aims to guarantee the Insured, during a previously determined travel period, the payment of an indemnity upon the occurrence of the anticipated and covered risks, according to the terms of the general and special contract conditions.

This insurance must offer at least basic coverage in the event of accidental death and / or permanent, total or partial disability due to injury, and other coverage may be offered, as long as travel-related, such as coverage for lost or stolen luggage.

2) Who can hire?

Any Brazilian traveling to national or international destinations. Older and pregnant women, for example, have specific plans that vary between insurers.

3) Who provides travel insurance?

The product can be purchased through an insurance company or through a distribution channel (brokers or insurance representatives such as travel agencies, passenger transport companies, credit card operators and service companies).

The detail is: despite the different contract procedures, the indemnity to be transferred to the contractor in the event of a claim (accident, for example) is borne by the insurer.

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4) At what distance from my home is the insurance already valid?

This response varies from one insurer to another. The policy is normally valid for you who have taken out insurance and traveled outside your home town.

5) Is the coverage valid only for travel-related contingencies?

Yes. The risks covered relate to the travel of the insurance policyholder during a period previously determined in the terms established in the contractual conditions.

6) What attention should the traveler have?

The main recommendation is to read the policy carefully. This document is what guarantees the covered articles according to the characteristics of the contracted product.

7) What should travel insurance provide?

The modality must necessarily offer at least one of the following basic coverages:

  1. Medical, hospital and / or dental expenses on domestic travel (DMHO on domestic travel);
  2. Medical, hospital and / or dental expenses traveling abroad (DMHO traveling abroad);
  3. Body transfer (compensation of expenses with release and transport of the body of the insured person from the place of occurrence of the insured event to the domicile or place of burial);
  4. Medical return (reimbursement of expenses with the transfer / transport of the Insured to the place of origin of the trip or to his home if he is unable to return as a regular passenger due to a personal accident or covered illnesses);
  5. Medical transfer (reimbursement of expenses with removal or transfer of the insured person to the nearest clinic or hospital capable of assisting him, due to covered injury or personal illness);
  6. Death on the road; accidental death while traveling; permanent total or partial disability due to travel accident. To cover death while traveling or accidental death while traveling, the indemnity consists of the payment of the insured capital contracted to the beneficiary (s) indicated by the insured.

8) I go abroad: what should I hire?

For overseas travel, it is mandatory to take on DMHO coverage, body relocation, medical return, and medical relocation. In case of reimbursement of expenses by the insurance company, the amount will respect the maximum limit of the contracted insured capital.

9) Is it possible to include additional coverage?

Yes, but as long as they refer to the trip covered by the insurance. Some of them are: loss and damage to luggage; funeral; trip cancellation; and early return (compensation of expenses with the return transfer of the insured person to the place of residence or origin of the trip, caused by an insured event).

10) Is lost carry-on baggage covered by additional coverage?

Policies usually provide for checked baggage coverage, as they are more at risk of getting lost while traveling. The advice is: check if your affiliated insurance company also has additional cover for hand luggage.

11) My trip will last longer: can I buy new insurance?

Yes, but the new contract must be signed in advance before the end of the trip – the period varies between insurers. In Porto, for example, the minimum time required is 48 hours.

12) My trip has been canceled: what should I do?

Normally it is necessary to activate the official channels of the insurer responsible for your policy. The information provided must necessarily include the reason why your trip was canceled in order for the company to cancel the insurance and subsequently refund your money.

13) I felt bad on the plane: am I already insured?

You will have to rely on the care provided by the crew themselves or by a volunteer doctor who is on board. Once ashore, you will be taken to the hospital and from there you will be covered by your travel insurance.

14) I bought my medicines after I felt bad during the trip: will I be covered?

Pharmaceutical expenses generally do not have specific coverage. But, when the drug is prescribed by a doctor or dentist, the policyholder can be reimbursed. It is important to check this possibility with the insurer before signing the policy.

15) Is it possible to take out annual travel insurance?

Yes. This mode is beneficial for travelers who travel frequently throughout the year to the same destination or to different locations. The rules, however, vary between insurers.

16) How is the insurance activated?

Just get in touch with the official service channels of the insurance company, which has an accredited network of hospitals to assist the policyholder facing an emergency situation. Always keep your policy on hand to facilitate the process.

17) Does travel insurance cover epidemics and pandemics?

Many insurers have begun to cover customers with Covid-19 symptoms while traveling. Before taking out the policy, check that this coverage is in place. Some contracts only guarantee medical and hospital expenses related to Covid-19; other documents also concern the transfer of the body of the traveler who died of complications due to the coronavirus.

The advice is: check which insurers cover Covid-19, the contractual guarantees and their scope if you need this specific assistance.

Sources: Susep, ABAV, Porto and CNseg

Safe life

Series of reports from InfoMoney responds to the new needs caused by the Covid-19 pandemic in the insurance sector.

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