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Travel cancellation insurance

If you have to cancel or postpone your trip due to an unforeseen, insured event, your travel cancellation insurance will refund you the cancellation/rebooking costs.

If you have any questions, call us on +41 58 958 80 44.

In case of any inconsistencies between the answers below and the general insurance conditions, the general insurance conditions apply in all cases.

If you have to cancel or postpone your trip due to an unforeseen, insured event, your travel cancellation insurance will refund you the cancellation/rebooking costs.

The cardholder benefits from insurance cover (main, second, additional and partner cards), as do dependants living in the same household, i.e. the spouse or partner as well children up to the age of 25.

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

  • You have to cancel/postpone your trip due to an unforeseen event.

  • The trip is private in nature and lasts no more than 45 days.

  • You used a valid Viseca credit card to cover at least 60% of the costs of the trip.

The following maximum sums insured apply:

  • CHF 10,000 per card and year:  World Mastercard Silver, Visa Classic and Visa GKB HCD Card.

  • CHF 20,000 per card and year: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.

There is no excess.

The following card products include travel cancellation insurance:

  • World Mastercard Silver

  • Visa Classic

  • Visa GKB HCD Card

  • World Mastercard Gold

  • Visa Gold

  • Flying Blue World Mastercard

Coverage applies to travel worldwide, including in Switzerland.

The following are deemed to be insured events:

  • Serious illness, accident, or death of the insured person or a close relative

  • Loss of employment after you have made the booking (does not apply to termination of employment by the employee)

  • Break-in or damage at home

  • Travel warning issued by the FDFA after you have made the booking

  • Severe pregnancy complications

  • Natural forces and epidemics

  • Theft of travel documents before departure

The insurance cover applies to private holiday trips that last no more than 45 days. The insurance cover applies to private holiday trips that last no more than 45 days. The trip must consist of an outward and return journey and include an overnight stay.

Cancellation and rebooking costs are costs invoiced by the operator in the event of the trip you booked having to be cancelled or postponed to a later date.

For the trip to be insured, you will need to have paid at least 60% of the total cost of your booking using a valid Viseca credit card.

You are deemed to have a serious illness if you:

  • need to stay the night in a hospital, or

  • are prescribed medication, or

  • are unable to work for at least five days, or

  • have to cancel the trip because your doctor has confirmed that you are unfit to travel.

The following are deemed to be close relatives:

  • The insured person’s spouse or partner, including their parents or children

  • The insured person’s children, parents or siblings

  • The insured person’s parents-in-law, son-in-law, daughter-in-law, grandparents or grandchildren

Associated persons are not insured persons and therefore do not benefit from insurance cover. If your trip has to be cancelled due to accident or serious illness of a close relative, this is deemed to be an insured event.

The following are deemed to be regular, timetable-based means of public transport requiring the purchase of a ticket: bus, train/railway, tram, aeroplane, ferry, cruise ship. Taxis and hire cars do not count as public transport.

In the event of a claim, you are obliged to limit the damage as much as possible. Please contact the travel operator immediately in order to cancel the trip. Obtain the necessary confirmations and proof, and send us the claim documentation in full.

If you have any questions, call our insurance specialists at Viseca Card Services SA on +41 58 958 80 44.

In order for us to check your entitlement to a refund, you must send the following documentation to the address indicated on the claim form:

  • Fully completed claim form

  • Proof that a valid Viseca credit card was used to cover at least 60% of the costs of the trip (copy of monthly invoice)

  • All booking and reservation confirmations related to the trip

  • Cancellation cost statements

Additionally depending on the loss event:

  • Cancellation for medical reasons: detailed doctor’s certificate including diagnosis.

  • Death: death certificate.

  • Theft/burglary: police report.

Please notify the travel operator immediately in the event of a cancellation. Depending on the terms and time of cancellation, the travel operator may directly refund you part of the costs. Please ask for a cancellation cost statement.

Yes. If you cancel your trip for medical reasons, you will have to submit a detailed doctor’s certificate in order for us to assess your case.

No. To benefit from insurance cover, you must use a valid Viseca credit card to cover at least 60% of the costs of the trip.

If your flight accounts for at least 60% of the total cost of the trip, you will be refunded the cancellation and rebooking costs in full up to the maximum sum insured.

Example:

  • Flight costs: CHF 800

  • Hotel and hire car: CHF 400

  • Total cost of the trip: CHF 1,200

    CHF 800 of this amount was paid for by credit card. This corresponds to 66% of the total cost of the trip, thus entitling you to a full refund.

That depends on your requirements, your travel pattern and the type of travel cover you have. Travel cover includes additional benefits, especially on trips involving the use of your own vehicle. It also differentiates between Europe-wide and worldwide coverage. If you have travel cover that offers insurance cover for Europe, your Viseca credit card will function as an ideal supplement whenever you make an occasional trip outside Europe.

The insurance is included in the annual fee for your Viseca credit card and is not subject to any additional costs.

Items excluded from the insurance cover include the following:

  • The loss event or illness already occurring or foreseeable at the time of you booked the trip.

  • The operator cancelling the trip.

  • A business trip, a language-learning holiday or a trip taken for professional training purposes.