Discover how travel insurance may support you when unexpected events disrupt your plans
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Traveling can be one of life’s most rewarding experiences, offering opportunities to explore new cultures, visit iconic landmarks, create lifelong memories and even open yourself up to the unexpected. However, some unforeseen events can prove unwelcome, as they can interrupt even the best-planned trips.
Whether heading to international destinations or exploring your own country, trip interruption insurance is a crucial safety net that can help mitigate the financial and emotional stress of unexpected and costly changes to travel plans.
This guide explains what trip interruption insurance is, the common scenarios it covers, its exclusions, and how to choose the right policy tailored to your needs as a Brazil resident.
Trip interruption coverage in travel insurance is designed to reimburse you for certain costs when your trip is unexpectedly cut short due to covered reasons. Unanticipated events like illness, accidents, or urgent family matters can quickly put an end to your plans and enjoyment. The costs covered by travel insurance may include prepaid, non-refundable expenses such as flights, accommodations, and tours, as well as additional costs incurred to return home earlier than planned.
For Brazilian travelers, who often invest significant time and money in planning international trips, trip interruption coverage may prove to be an essential layer of protection. Without it, unexpected events could leave you scrambling to manage both logistical and financial challenges on your own.
When planning your next adventure, don’t overlook the importance of trip interruption insurance. By understanding the coverage details and selecting the right policy for your needs, you can focus on enjoying your journey with confidence, knowing you’re protected against the unexpected.
The specific coverage offered by the trip interruption benefit includes many scenarios, such as sickness, injury, or the death of yourself, or of a covered travel companion or family member after the start of your trip. Coverage details can vary depending on the policy and plan you purchase. Below are some common situations for Brazil residents where trip interruption insurance can step in to help:
A sudden illness or injury affecting you or a covered travel companion may require you to cut your trip short. For example, imagine that halfway through your dream vacation, you fall and break your leg. Trip interruption coverage can help cover your medical expenses, reimburse canceled tours, and even help you anticipate your flight back to Brazil. This benefit can spare you significant financial strain during an already stressful situation.
Policies often cover interruptions caused by:
If you receive a court notification after your trip has started, you might need to return home to appear in court. Trip interruption insurance can help reimburse the costs of your early return.
Imagine packing your bags for a beach getaway, only to be summoned mid-trip to serve on a jury. While inconvenient, trip interruption insurance ensures you won’t bear the financial burden alone.
When a close family member back home experiences a serious medical emergency, accident, or even death, you may need to cut your trip short. Trip interruption insurance can help cover the costs associated with returning home early, so you can be where you’re needed most.
If, during your trip, a medical professional imposes quarantine due to a diagnosis of a contagious disease contracted while traveling, trip interruption insurance can help with costs related to the extended stay or early return.
In rare cases, deportation can occur due to a lack of additional documentation that was not previously requested by the travel agency or company responsible for your trip’s planning and sale.
While the situation can be frustrating and disruptive, trip interruption insurance can provide coverage to help you return home quickly without bearing the full cost yourself.
You can get a quote to learn more about our plans and everything that is covered. If you have questions, contact our team and they will be happy to assist.
It’s important to understand the exclusions of trip interruption insurance to avoid surprises. Common exclusions include:
Carefully reviewing the terms and conditions of your policy is essential to understanding what’s covered and excluded.
Trip Cancellation Insurance comes into play if you need to cancel your trip before it begins due to a covered reason. This type of coverage ensures you are reimbursed for non-refundable expenses, helping you avoid significant financial loss.
Trip Delay Insurance provides reimbursement for reasonable expenses if your journey is delayed by more than 12 hours for a covered reason.
Trip Interruption Insurance applies once you’ve started your trip. This coverage kicks in if you need to cut your trip short due to a covered reason, such as a medical emergency or family crisis, providing financial assistance for unplanned expenses.
Compare our different travel plans – Standard, Explorer and Explorer Plus to choose what plan has the right level of coverage to meet your travel needs.
Here are our most frequently asked questions about buying travel insurance for trip interruption. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Yes, you can purchase travel insurance after your trip has begun. However, certain restrictions may apply, and some benefits might be limited if the policy is bought post-departure. Check out your policy wording and contact customer service if you have any questions.
If your trip is interrupted for a covered reason, contact us as soon as possible. To file a claim, you’ll be required to provide documentation such as:
Protect your trip against unexpected cancellation.
We’ve got your back.
Take the pain out of medical costs.
We’ve got your back.
Emergency medical transportation: we’ll get you to hospital or home quickly.
Help starts here.
Covers the loss, theft or damage of your bags by a common carrier.
Help starts here.
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24-hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Your World Nomads policy is provided through Chubb Seguros:
Phone: +1 212-315-1806 (from anywhere in the world)
Phone: 0800-591-1043 (from Brazil)
WhatsApp message: +54 911 3053-3959
Before your trip, check the latest government advice for any travel alerts for your destination.