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Trip interruption insurance

If you have to interrupt, abandon or extend your trip due to an unforeseen, insured event, your trip interruption insurance will refund you your unused travel and accommodation expenses, as well as the cost of missed activities and the cost of your return travel and accommodation.

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 interrupt, abandon or extend your trip due to an unforeseen, insured event, your trip interruption insurance will refund you your unused travel and accommodation expenses, as well as the cost of missed activities and the cost of your return travel and accommodation.

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 interrupt or abandon your trip due to an unforeseen event.

  • Your 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.

  • You have contacted the insurer immediately.

The following maximum sums insured apply:

  • CHF 7,500 per card and year: World Mastercard Silver, Visa Classic and Visa GKB HCD Card

  • CHF 15,000 per card and year: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard

There is no excess.

The following Viseca credit cards include trip interruption 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

  • Break-in or damage at home

  • Severe pregnancy complications

  • Natural forces and epidemics

  • Theft of travel documents during travel

  • Delay or cancellation of public transport due to a strike, bad weather, engine failure or an accident

The insurance cover applies to private holiday trips that last no more than 45 days. The trip begins when you leave your place of residence and ends when you return to your place of residence. The trip must consist of an outward and return journey and include an overnight stay.

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.

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 must call the insurer immediately via Viseca Card Services SA on +41 58 958 82 85 to obtain its consent to possible measures and payment of the costs involved. If you do not contact the insurer, benefits may be reduced or the claim rejected.

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 / proof of additional costs

Additionally depending on the loss event:

  • Interruption or abandonment for medical reasons: detailed, locally issued doctor’s certificate including diagnosis

  • Theft/burglary: police report

  • Death: death certificate

  • Delay or cancellation of transportation: confirmation of the delay/cancellation from the carrier in question, including reasons.

If you interrupt, abandon or extend your trip for medical reasons, you must submit a detailed doctor’s certificate 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.

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 all your unused travel and accommodation expenses, the cost of missed activities, and additional return travel and accommodation costs up to a 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.

No. You do not receive insurance protection because you did not use your Viseca credit card to cover at least 60% of the costs of the trip you originally booked.

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 at the time you booked the trip.

  • Measures taken or costs incurred which were not advised or approved in advance.

  • The operator cancelling the trip.

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