For baggage delays of more than 6 hours, coverage will reimburse the costs for purchasing clothing and essential personal hygiene items.

If the flight is delayed for 6 hours or more, the insurance will reimburse expenses for accommodation, transportation, and meals not covered by the airline, in the following situations:

• Weather conditions that delay the arrival or departure of the flight;
• Labor issues such as strikes, demonstrations, or protests affecting the flight;
• Unexpected defects in the airline's aircraft that prevent the scheduled landing or takeoff.

COVID-19 is a contagious disease. If a travel insurance client tests positive for the virus, they will be covered under the general conditions of the insurance, similar to coverage for other illnesses, such as DMHO.

IZA covers events occurring anywhere in the world, provided they are within the limits of the insured amount and according to the general conditions, except in the following countries: Iran, Syria, Venezuela, North Korea, and Sudan.

It is possible to purchase Travel Insurance for minors, but in the case of a minor under 14 years old, the insurance is only for reimbursement of expenses or provision of assistance in case of a covered event. The minor's CPF must be presented to purchase the travel insurance.

It is not necessary to purchase two insurances, but it is advisable to inform all the countries or places to be visited. For these cases, it is best to choose a multi-destination plan.

Travel insurance does not require the completion of a Personal Health Declaration (PHD) and does not conduct risk assessment for pre-existing conditions; however, events resulting from the continuation of medical care for symptoms/events prior to the start of the insurance coverage, the management of treatments prior to the insured trip, and the extension of prescriptions will not be covered.

Yes, the insurance covers travel by car, private motorcycle, executive bus (more than 50 km from home), ship, and airplane. Coverage varies according to the destination and the plan purchased.

The coverage for lost luggage ensures that the insured is reimbursed for losses related to personal items due to the loss of luggage, respecting the limits and conditions of the coverage.

Travel insurance covers trips starting from 50 km away from the insured's permanent residence. Shorter distances are not covered.

Yes, the insurance can be purchased for passengers aged between 0 and 95 years. Please consult the commercial conditions for more details.

It is a set of items for basic hygiene habits such as bathing, antisepsis (deodorant and hand sanitizer), razor blade, sanitary pads, and oral hygiene (toothpaste, mouthwash, toothbrush, and dental floss).

Pants, t-shirt, blouse, shorts, socks, footwear, and underwear. Sportswear or leisurewear, such as bikinis, swim trunks, and swimsuits, are not included in this definition.

Individuals designated by the policyholder or determined by current legislation to receive the indemnity payment in case of a claim.

Designated beneficiaries: when the policyholder has specified who will receive the insurance indemnity and the percentage for each.

Non-designated Beneficiaries: When the policyholder has not designated who will receive the indemnity, beneficiaries will be determined by current legislation. Currently, according to Article 792 of the Brazilian Civil Code, the indemnity will be divided between: the spouse/partner not judicially separated (50% of the value) and legal heirs (50% of the value).

Legal Heirs: According to the order of inheritance provided in Article 1,829 of the Brazilian Civil Code (current legislation), heirs are:
Descendants (children and grandchildren), in their absence;
Ascendants (parents and grandparents), in their absence;
The spouse, in their absence;
Collaterals (siblings, uncles, aunts, nephews, and cousins).

Luggage refers to all the insured's personal items, dispatched by the carrier company, with the appropriate dispatch receipts.

It is the legal document issued by the insurance company that replaces the insurance policy and formalizes the acceptance of the coverage requested by the insured, dispensing with the need to fill out a proposal, as per specific legislation. It was created to facilitate the insurance purchase process.

It is the total amount paid by the insurer to the insured for the contracted event. The maximum value for the contracted coverage to be paid by the insurance company in the event of a claim.

Covered event that prevents the insured from starting their trip.

It is any occurrence or event that can be covered by an insurance policy.

Situation where the insured requires immediate attention due to a risk of death.

Uninterrupted period of days within the validity of the insurance, counted from the date of occurrence of the covered event, during which the insured will not be entitled to coverage, or an amount/percentage defined in the Insurance Policy, to be deducted from the compensation in case of a covered event.

These are the obligations that the insurer assumes towards the insured when a covered event occurs.

It is the date from which risk coverages will be guaranteed by the insurer.

Family members are considered to be: father, mother, siblings, spouse, children, parents-in-law, and stepchildren of the insured.

The analysis period for a claim process is up to 30 calendar days according to SUSEP regulations (the body responsible for controlling and supervising insurance markets in Brazil). This period starts from the receipt of the complete basic documentation. Provide and send all documentation at once to avoid delays and interruptions in the analysis period.

Period, counted from the start date of coverage of the insurance or the increase of the insured amount or reinstatement in case of suspension, during which, in the event of a claim, the insured or beneficiaries will not be entitled to receive the insured amounts contracted.

Amount corresponding to each payment made towards the cost of the insurance.

These are the risks specified in the general and/or special conditions that will not be covered by the plan.

It is the occurrence of an event (e.g., death, disability, etc.) covered by the contracted insurance and which, after the insurer's analysis, may result in the payment of an indemnity to the insured or to the beneficiaries designated by them or as provided by current legislation.

It consists of transporting the insured's body from the place of occurrence of the covered event to the home or burial site.

These are the expenses related to the removal or transfer of the insured to the nearest clinic or hospital able to provide care, due to a covered personal accident or illness.

Consultations, exams, clinical treatments, surgeries, or any other procedures related to medical and/or dental care, not considered emergency or urgent, and which are generally scheduled. This includes, but is not limited to: nutritionist, physiotherapy, and psychology.

Situation where the insured needs care that is not characterized as an emergency, and can wait for attention to emergency cases.

Period of time between the start and end date of the trip indicated on the insurance policy, during which the insured embarks, stays, and returns from a destination within their country of residence, provided that such destination is located more than 50 (fifty) km from the insured's usual residence.

Period of time between the start and end date of the trip indicated on the insurance policy, during which the insured embarks, stays, and returns from a destination outside their country of residence, provided that such destination is located more than 50 (fifty) kilometers from the insured's usual residence.

Superintendence of Private Insurance, an autonomous agency linked to the Ministry of Finance, responsible for the supervision, standardization, and regulation of private insurance.