Which company provides VISA insurance?

CHUBB is the world’s largest property and liability insurance company. The company has been operating on the market for over 15 years. Represented in 54 countries, CHUBB offers: Property insurance Liability insurance for legal entities and individuals Personal accident insurance Medical insurance Reinsurance Life insurance of various customer groups. It is headquartered in Warren, New Jersey, USA

How are trip cancellations or curtailments insured?

You may apply for compensation if your trip is cancelled or shortened in advance due to: an unexpected illness, injury, or death of the cardholder or his/her close relative compulsory quarantine for the infected person (some personal quarantine rather than the situation in the country) complications of pregnancy with sequelae (if they did not arise before booking the trip). In this case, the insurance company will only compensate for the non-reimbursable travel expenses. What is NOT covered by insurance: Costs of reimbursable airport charges, duties, and taxes Trip cancellation due to a pre-existing illness Travel expenses using miles, bonuses, points, etc. Trip cancellation due to missing or invalid passport or visa

How are flight delays insured?

Conditions to obtain compensation for flight delays: Your flight is delayed for 4 hours or more. You checked in for the flight. You have an airline’‎s official document which confirms the flight delay

How is the delayed luggage insured?

Conditions to obtain compensation for the delayed luggage: Your luggage is delayed for 4 hours or more. You have an airline’‎s official document which confirms the delayed luggage. What is NOT covered: Loss as a result of delay, confiscation, or detention by the customs or other authorities Requirements regarding your luggage which was transported as a load or according to the waybill

How is the missed flight insured?

Conditions to obtain compensation for the missed flight: You are late for the point of departure due to the fact that ⇾ the car you drove broke or got into an accident ⇾ public transport you used arrived off schedule You must provide: ⇾ Proof of all additional expenses incurred by the cardholder ⇾ An official letter on the actual delay of public transport ⇾ An accident certificate You must allow reasonable time to arrive at the point of departure on time.

How is the missed transit flight insured?

Conditions to obtain compensation for the missed transit flight: You missed your confirmed next flight at the connecting point. You must provide airline’‎s documents which confirm the delayed departure or arrival of the first flight. You must make every effort to get on your next flight; you must allow (at least) 2 hours before the scheduled arrival time of the flight.

When are the trips not insured?

Your trips are not insured if you travel against the advice of your doctor you travel for medical treatment/consultation you have undiagnosed symptoms which require further treatment/examination. at the time of booking the trip, you are aware of any reasons which may cancel or shorten it if the main purpose of your trip is sports events, and you travel as an athlete. if a partner or a child travels without the cardholder.

How are sports and sports games insured?

If the main purpose of your trip is not sports events, you can be insured if you: make use of all recommended/necessary equipment for your safety comply with all of the requirements and safety rules proposed by the organizers have no contraindications from your doctor to engage in a given sport do not compete for speed and time

How to become a premium cardholder?

By connecting the chatbot in Telegram/Viber, you get a virtual assistant which allows you to contact the concierge service to deal with day-to-day matters quickly and easily receive information about special offers for premium cards

Visa Travel Insurance

Travel comfortably and safely with insurance service from Visa

Holders of Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business and Visa Signature Business premium cards will be automatically insured when traveling.

Cards for which the service is available:

A special service from Visa is available in the following insurance cases:

When does the insurance take effect?

When traveling abroad:

Your insurance will start automatically if, before the start of the trip, you:

Paid for round-trip tickets with a premium Visa card.
Booked and paid for accommodation with a premium Visa card before the start of the trip
or paid for both tickets and accommodation before the start of the trip with a Visa premium card.

If you are temporarily living abroad and traveling to a country other than the country of your temporary residence, your insurance will start automatically if, before the start of the trip, you:

You have relevant documents on refugee status or temporary protection abroad.
Paid for tickets from the country of permanent residence and back with a premium Visa card; or paid for the accommodation with a premium Visa card, and tickets from the country of permanent residence and back - by any other method; or paid for the tour.

Please note that the travel insurance service for people temporarily living abroad is valid until May 31, 2025.

When you travel within your country of permanent residence*, your insurance will start automatically if you:

Pre-booked accommodation for at least 2 nights at a distance of at least 100 km from home with your premium Visa card.

Please note that in order for the insurance to take effect, payment for transport and/or accommodation must be made with your Visa premium card (the name on the card must match the name on the tickets and/or when booking the accommodation).

*Or countries of temporary residence, for Ukrainians temporarily living abroad.

Benefits of insurance

Insurance of the whole family

If you are traveling with a family, they will also be insured — husband/wife and children.

Works everywhere

The insurance service operates both in the country of residence and abroad.

Purchase insurance

The service insures your purchases, including gifts, against damage or theft worldwide.

High insurance limit

The maximum amount you can receive in the event of an insured event is $500,000 with Visa Platinum Business and Visa Signature Business cards, $750,000 with Visa Signature cards and $2.5 million with Visa Infinite cards.

General insurance terms and conditions

Before starting the trip, it is recommended to fill out an insurance certificate, as it may be asked to be presented at customs control.

You can fill out the policy by downloading the certificate yourself from the link in the Insurance benefits section, or ask for help from the Visa concierge service.

The duration is 90 days per trip, but no more than 183 days per year. If the trip lasts more than 90 days, it is considered completely uninsured.

Your insurance starts and ends when you leave and enter your country of permanent residence.

How different cases are insured

To receive compensation for flight or baggage delay* for more than 4 hours, you must be registered for the flight and take an official document at the airport from the airline about the flight or baggage delay.

Please note that the service does not cover:

Loss of baggage in case of delay, confiscation or delay by representatives of the customs service
Requirements for baggage that was transported as cargo or on a waybill.
Flight cancellation.

*Luggage delay is insured only for departures from the country of permanent residence.

If you missed your flight because the car you were traveling in broke down or was involved in an accident or the public transport you used to get there did not arrive on schedule, and you wish to receive compensation, you must provide:

Evidence of all additional costs incurred by the cardholder.
Official letter regarding the actual delay of public transport.
Road accident act.

Please note that the insurance cover is only valid for legal trips.

In order to receive compensation for a missed transit flight, it is necessary to provide documents from the airline confirming the delay of the departure or arrival of the first flight. It is important to allow at least 2 hours between connecting flights.

Please note that the insurance cover is only valid for foreign trips.

To receive a refund for damaged or lost purchases*:

The purchase must be paid for 100% by card in one payment (not cash or credit) and the minimum value of the product must be at least 100 USD.
Proof of purchase, bank statement, warranty card, and repair receipts must be provided.
In case of theft, a police report must be provided.

*The service is valid for 90 days from the moment of purchase.

If a medical insurance event occurs, it is necessary:

First of all, report what happened to the International SOS numbers: +380444993975 / +442087628373. Or using the Visa Concierge Service through any communication channel:

by number

+38 044 300 05 03

e-mail

[email protected]

Viber chatbot

Telegram chatbot

@VisaUkraineBot

Enter data by which the insurance company can identify you as a client: full name, first 9 digits of the card, financial and local contact number.
The insurance company (in its turn) registers the application and passes it on to the doctor on duty.
The doctor contacts you and advises what to do and which clinic to go to.
Insurance is contacting the clinic in parallel to keep the situation under control.
For reimbursement of expenses, keep all receipts, tickets and other documents that can confirm the fact of the event.

Please note that all expenses are initially paid by the cardholder himself, and the insurance can reimburse them only after consideration of the claim for compensation. Medical expenses that the cardholder will have after returning to the country of permanent residence are not covered by the insurance service.

You can claim compensation if your trip is canceled or shortened before it starts* due to:

Unforeseen illness, injury or death of the cardholder or his close relative.
Complications of pregnancy with consequences for the cardholder, if they occurred after the trip was booked.
Mandatory personal quarantine for the infected card holder.

In the event of an insurance event, the cardholder can count on coverage of all non-reimbursable expenses for unused travel and accommodation, other expenses that the cardholder has paid in advance or has to pay under the contract, as well as other reasonable travel expenses.

Please note that the service does not cover:

Expenses for the payment of refundable airport fees, customs duties and taxes.
Expenses for paying for a trip using miles, bonuses, points, etc.
Disruption of the trip due to a previously existing illness.
Disruption of the trip due to the absence or invalidity of the passport or visa.

*Insurance coverage is valid only for foreign trips.

The cardholder can count on insurance coverage in the event of an accident with a rented car* if:

The rent was paid 100% by card.
The card holder rents the car.
The cardholder has a valid driver's license for the class of the rented car.
The age of the driver is from 21 to 79 years.

Important! The insurance is valid only for the duration of the trip, but not more than 31 days, and covers only 2 accidents per year.

What the insurance does not cover:

Franchise and fines.
If the car is older than 20 years.
The cost of the car exceeds 75,000 USD.
If the driver of the rented car participated in races or competitions, drove under the influence of alcohol/drugs, has any criminal record for driving while intoxicated, and drives the car against the recommendations of a doctor.

*Rental car insurance is valid only if the card holder's trip is insured.

Questions and Answers

: CHUBB is the world’s largest property and liability insurance company. The company has been operating on the market for over 15 years.
Represented in 54 countries, CHUBB offers:

Property insurance

Liability insurance for legal entities and individuals

Personal accident insurance

Medical insurance

Reinsurance

Life insurance of various customer groups.

It is headquartered in Warren, New Jersey, USA
: You may apply for compensation if your trip is cancelled or shortened in advance due to:

an unexpected illness, injury, or death of the cardholder or his/her close relative

compulsory quarantine for the infected person (some personal quarantine rather than the situation in the country)

complications of pregnancy with sequelae (if they did not arise before booking the trip).

In this case, the insurance company will only compensate for the non-reimbursable travel expenses.

What is NOT covered by insurance:

Costs of reimbursable airport charges, duties, and taxes

Trip cancellation due to a pre-existing illness

Travel expenses using miles, bonuses, points, etc.

Trip cancellation due to missing or invalid passport or visa
: Conditions to obtain compensation for flight delays:

Your flight is delayed for 4 hours or more.

You checked in for the flight.

You have an airline’‎s official document which confirms the flight delay
: Conditions to obtain compensation for the delayed luggage:

Your luggage is delayed for 4 hours or more.

You have an airline’‎s official document which confirms the delayed luggage.

What is NOT covered:

Loss as a result of delay, confiscation, or detention by the customs or other authorities

Requirements regarding your luggage which was transported as a load or according to the waybill
: Conditions to obtain compensation for the missed flight:

You are late for the point of departure due to the fact that

⇾ the car you drove broke or got into an accident
⇾ public transport you used arrived off schedule

You must provide:

⇾ Proof of all additional expenses incurred by the cardholder
⇾ An official letter on the actual delay of public transport
⇾ An accident certificate

You must allow reasonable time to arrive at the point of departure on time.
: Conditions to obtain compensation for the missed transit flight:

You missed your confirmed next flight at the connecting point.

You must provide airline’‎s documents which confirm the delayed departure or arrival of the first flight.

You must make every effort to get on your next flight; you must allow (at least) 2 hours before the scheduled arrival time of the flight.
: Your trips are not insured if

you travel against the advice of your doctor

you travel for medical treatment/consultation

you have undiagnosed symptoms which require further treatment/examination.

at the time of booking the trip, you are aware of any reasons which may cancel or shorten it

if the main purpose of your trip is sports events, and you travel as an athlete.

if a partner or a child travels without the cardholder.
: If the main purpose of your trip is not sports events, you can be insured if you:

make use of all recommended/necessary equipment for your safety

comply with all of the requirements and safety rules proposed by the organizers

have no contraindications from your doctor to engage in a given sport

do not compete for speed and time
: To get Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business, Visa Platinum Business and Visa Signature Business premium cards to be automatically insured, please check out the list of our partner banks: https://www.visa.com.ua/en_UA/pay-with-visa/partner-banks.html

Learn more about the insurance service and other benefits of premium Visa cards in the Visa chatbot.

Visa Ukraine у Telegram

Visa Ukraine у Viber

By connecting the chatbot in Telegram/Viber, you get a virtual assistant which allows you to

contact the concierge service to deal with day-to-day matters quickly and easily

receive information about special offers for premium cards

The insurance certificates and contract can be downloaded here: https://cardholderbenefitsonline.com/

Insurer: CHUBB INSURANCE SOUTH AFRICA LIMITED, REPUBLIC OF SOUTH AFRICA. Authorized Financial Service Provider (FSP No: 27176). Registration No. 1973/008933/06 dated 12 June 2007.

Travel comfortably and safely with insurance service from Visa