Travel insurance: delayed and missed flights

For policies purchased after 10 August 2016, 3:00am UTC, your World Nomads policy is provided through Zurich Insurance Group

Se seu voo estiver atrasado ou se você perder um voo de conexão, seu seguro poderá ajudá-lo. Entenda abaixo como funciona as coberturas:

Atraso de Voo

Esta cobertura cobre eventuais despesas de transporte local (aeroporto-hotel/hotel aeroporto), refeições e pernoite em hotel até a data do seu próximo voo.

Esta cobertura é válida para os planos Standard e Explorer.

Perda de conexão aérea

Esta cobertura cobre eventuais despesas de transporte local (aeroporto-hotel/hotel aeroporto), refeições e pernoite em hotel até a data do seu próximo voo, exclusivamente em decorrência da perda de conexão causada pelo atraso do voo anterior.

Importante: esta cobertura está disponível apenas para o plano Explorer.

Quando você poderá acionar estas coberturas?

Após atrasar mais de quatro horas em relação à saída programada e sempre que você estiver viajando em uma linha aérea comercial regular (excluindo-se voos fretados):

  • Quando o atraso for causado por condições climáticas adversas; ou
  • Quando houver falha mecânica da aeronave

Estas coberturas não se aplicam para transportes terrestres e marítimos.

Atenção! Caso a companhia aérea disponibilize um suporte aos passageiros afetados pelo atraso, os valores reembolsados pelo seguro serão complementares ao valor de indenização pago pela companhia aérea, para que você não tenha prejuízo.

Dica:

Para você não ter nenhuma surpresa na hora de solicitar o reembolso da despesa, lembre-se que o seguro cobre apenas as despesas essenciais (alimentação, transporte e hospedagem), não englobando despesas como compras, por exemplo, Free Shop.

Quando esta situação ocorrer, converse com a companhia aérea responsável e entenda quais benefícios você tem direito devido ao atraso.

E lembre-se, essas coberturas são válidas apenas para atrasados motivados pela companhia aérea, ou seja, se você atrasou por uma razão pessoal, não estará coberto.

Caso precise acionar a cobertura, consulte o Manual do Segurado e saiba quais são os documentos necessários para comprovação.

Travel Insurance: Delayed and Missed Flights

For policies purchased before 10 August 2016, 3:00am UTC your World Nomads policy is provided through Bupa Global

If your flight is delayed your policy can help. If you miss a connecting flight then there’s cover for this too but only when you upgrade to the Explorer Plan and pay the additional premium.

World Nomads cover for Delayed and Missed Flights

There’s cover for documented, necessary and reasonable additional expenses for local transportation, meals and overnight hotel accommodation where:

  • your pre-booked transportation is delayed for more than three hours past its scheduled departure
  • your pre-booked transportation is canceled or overbooked

There’s cover under the Explorer Plan for:

  • additional expenses incurred to buy a replacement flight ticket(s) or cover the fees to change your ticket(s) if a common carrier causes you to miss your connecting flight and you must catch up on your planned itinerary.

Indian residents: The missed connection and travel delay benefit is not included under the policy available when selecting India as your country of permanent residency. Our insurer for Indian travelers, ihi Bupa, has decided that they are no longer able to manage benefits greater than cover for Overseas Medical Expenses and Medical Evacuation/Repatriation.

How does the World Nomads cover for Delayed and Missed Flights Work?

Do try to minimize your expenses and claim a refund or compensation from the transportation provider before making a claim on the policy.

For missed connections, you must notify the airline immediately of any issues caused by another Common Carrier that may affect your connecting flight (to minimize your losses).

You must also get a written confirmation of the delay and the reason why from the carrier and provide copies of any receipts for unavoidable additional expenses.

While you can buy your travel tickets and insurance at any time, to be covered for travel delay and missed connections:

  • the transportation must be booked and paid for at least three days before its scheduled departure.
  • your insurance must have been purchased before you were aware your transport may be delayed, canceled or overbooked.
  • the travel delay or missed flight connection must be unforeseeable and through no fault of your own.

Also be aware that any travel delay or missed flight connection claim submitted will have a €70EURO/$100USD policy excess/co-pay deducted per person, per claimable event (the currency you purchase your policy in is the currency you will pay for your excess, either EURO or USD)

What’s not covered:

Travel insurance is not designed to cover everything, so take the time to read the Product Guide (Policy wording), particularly the List of Benefits Section 18 Missed Flight Connection; Section 17 Travel Delay and the General Exclusions, so there are no surprises if you do need to use it.

  • We will not pay if you simply change your mind or if you were aware, at the time of booking or buying the tickets, of circumstances that would cause a travel delay or result in a missed connection.
  • Any claim where the required minimum transit and check-in times by your airline are not met or it is at least three hours, whatever is longer.
  • any unused accommodation expenses or no-show fees in connection with travel delay

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