Trip interruption insurance

What if you have to shorten, interrupt or extend your trip? With trip interruption insurance, you are insured against unforeseen events such as illness, accidents or death during the trip (including those involving related persons or persons travelling with you). The insurance reimburses you for the costs of the unused part of your trip as well as additional return trip and accommodation costs.

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The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

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The following prerequisites must be met for the insurance to provide cover:

• The trip is interrupted, extended or cancelled due to an insured event.
• The trip is a private trip lasting no more than 90 days (duration of trip unlimited for Visa Platinum).
• At least 60% of the travel costs were paid for with a Viseca credit card.

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The following maximum insured sums apply per event:

• CHF 7 500: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 15 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 30 000: Visa Platinum

There is no policy excess.

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The insurance is included in the annual fee for your Viseca card and does not cause any additional costs.

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The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

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Coverage applies worldwide as well as in Switzerland.

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The following qualify as insured events:

• Serious illness, serious accident or death of an insured, accompanying or related person.
• Quarantine of an insured or accompanying person before the trip.
• Loss of work of an insured or accompanying person through no fault of their own.
• Impairment of the property of an insured or accompanying person at their place of residence.
• Unforeseen events on the planned travel route. 
• Theft of the travel documents of an insured or accompanying person.
• Delay or breakdown of the means of transport during the outward, onward or return trip.

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Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

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The following qualify as related persons:

• spouse or partner
• fellow residents
• parents and step-parents
• children, step-children, foster children and adoptive children
• siblings
• carers of minors or relatives in need of care
• legal guardians and persons under guardianship
• very close friends or relatives with whom there is extensive contact.

Related persons are not insured persons and therefore do not benefit from insurance protection. However, if a trip or an event must be cancelled or interrupted due to an accident or serious illness concerning a related person, or if the event cannot be attended for this reason, this is an insured event.

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Any means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships are not regarded as public transport or means of transport.

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An illness or accident resulting in a temporary or permanent incapacity to work or a mandatory inability to travel.

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Cancellation or rebooking costs are the costs charged by the organizer if the booked trip has to be cancelled or postponed to a later date.

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Items excluded from the insurance cover include the following:

• Illness or accident events that had already occurred at the time of booking or departing on the trip or events whose occurrence was obvious at the time of booking or departure.
• Events in connection with epidemics and pandemics are only insured in the event of illness of an insured person, a person travelling with the insured person or a close relative.
• Cancellation of the trip by the operator.

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Please obtain confirmation of the departure.

Send the claim form and the following documents to the insurer as soon as possible:

• Statements for unused services
• Confirmation of interruption/cancellation cost invoice
• Booking confirmation for the trip
• Evidence of the insured event (e.g. detailed medical report with diagnosis)

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

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No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

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If you interrupt, abandon or extend your trip for medical reasons, you must submit a detailed doctor’s certificate with diagnosis issued by the local treating physician in order for us to assess your case. A doctor’s certificate from your general practitioner in your place of residence is inadequate for this purpose.

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No. You do not receive insurance protection because you did not use your Viseca credit card or the credit function of a combined payment card to pay for at least 60% of the cost of the trip you originally booked.

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The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA
 

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