A more stress-free trip

No. The contracting is carried out through Universal Assistance – A Company of Zurich. Western Union is a Foreign Exchange Broker and does not provide travel insurance; it acts as a facilitator of access to the product.

Travel insurance offers financial protection and assistance during your travels, covering medical expenses, hospital expenses, and other eventualities such as flight delays or lost luggage. When you purchase insurance, you pay a fee and receive a policy with the details of the coverages. In case of emergency, simply contact the insurance company as instructed in the policy. It is essential to understand the terms and conditions to ensure that the insurance meets your needs.

The two services are commonly called travel insurance. However, it is necessary to be attentive when researching and closing the contract. In practice, the main difference is in who will pay for the service at the time it is used.

Travel Insurance:
– The traveler pays all medical expenses out of pocket and then requests reimbursement from the insurer (within the limits of values established in the voucher).
– For reimbursement, it will be necessary to present proof of medical expenses, reports, invoices and everything else that can confirm the service.
– The advantage is that the traveler can choose any place to be attended, regardless of being part of the insurance network.

Travel Assistance:
– Travel assistance works differently, the service will be entirely borne by the insurer (within the limits of values established in the voucher).
– Unlike travel insurance, travel assistance provides that the insured contacts the contracted company before receiving the service. The insurer will then indicate a place for the service to be performed and the insured will not need to pay anything.
– The disadvantage is the obligation to be attended at the indicated location, except in cases of emergency.

Many insurance companies sell both services in the package, so you will be guaranteed anyway. But it is essential to know this information when hiring the service so as not to be squeezed later. Generally, the product offered by most credit cards is travel insurance, with only the modality of reimbursement of expenses.

Important: In the Travel Insurance offered by Universal Assistance – A Company of Zurich, both services are included in the same package, so you choose how the service will be provided.

Accidents and illnesses can affect any traveler, regardless of experience. And if the problem is serious, the cost of treatment abroad (depending on the destination country) can be very expensive! Not all countries (in fact, most of them) serve foreigners free of charge in the health network, and it is necessary to pay for medical consultations, medicine and, in more serious cases, ambulance transport and hospitalization. It is not worth taking the risk of not taking out travel insurance before boarding.

For national trips, we have increasingly seen that the health plans offered by companies to their employees, or even privately contracted, have regional coverage, that is, the customer may not be covered during their trips in Brazil.

In addition, the insurance is also valid for other types of services, such as lost luggage, ticket rescheduling, legal assistance and even repatriation of the body in case of death.

Travel insurance may be mandatory in some countries or regions, especially those that are part of the Schengen Treaty in Europe.

Places where travel insurance is required:

– Countries that are in the Schengen Treaty

– Germany, Austria, Belgium, Denmark, Slovakia, Slovenia, Spain, Estonia, Finland, France, Greece, Hungary, Iceland, Italy, Liechtenstein, Latvia, Lithuania, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Czech Republic, Sweden and Switzerland.
– Cuba – Venezuela – Australia – Russia – Ecuador

You can contract your international or national travel insurance online through this link or request information at one of Western Union’s own stores in Brazil.

No problem, even if you take a trip with more than one country as a destination, what will define the insurance coverage will be the plan chosen.

Example: The international plan chosen for the United States and Canada offers coverage for any country except Brazil, the international plan chosen for the other countries in the world offers coverage for any country except the United States, Canada and Brazil (regardless of the number of destinations).

But it is always important to be attentive, because if one of the places visited is a country in Europe, it is necessary to join a plan with a value corresponding to 30 thousand euros at least, if it is applicable to your case.

If you have any doubts at the time of quotation, we suggest that you select the first country to be visited as a destination and if one of these countries is the United States or Canada, that these countries be selected.

No. Travel insurance must be contracted up to 1 (one) day before the start of the trip.

The insurance value is per person and has no cost variation for children. For passengers over 60 years old, the insurance will have a fare variation.

Only people who cumulatively meet all of the following requirements can take out our insurance:

– Individuals up to 90 years of age;

– Residents in Brazil;

– With proof of round trip;

– If pregnant, the Insured is up to 40 (forty) years of age, is no more than the 32nd week of pregnancy, and has traveled with written authorization from the responsible physician.

Basic coverages include medical, hospital and dental assistance, medical repatriation, and trip cancellation or interruption.

In the digital offer there are plans for people up to 90 years old, for specific cases please contact Universal (11) 2107-0349 (WhatsApp).

Some travel insurance plans may offer coverage for adventure sports or risky activities, but it is important to check the details of the specific plan.

Coverage for lost, stolen, or damaged luggage typically involves filling out a claim form and submitting supporting documents such as receipts and police reports.

Travel insurance can cover both business and leisure travel, depending on the type of plan purchased.

No. Western Union acts as a facilitator in accessing the insurance options offered by Universal Assistance. In the event of a claim, follow the instructions described in the policy or contact us directly via Universal WhatsApp (11) 2107-0349.

The simplest and fastest way to activate travel insurance is through the insurance company’s app. Check your policy for full instructions.

To request the cancellation of your travel insurance, send a message on Universal’s WhatsApp (11) 2107-0349 making the request and informing your full name, CPF and/or number. Cancellation can be requested 1 (one) day in advance of the start of the trip, and if requested up to 7 (seven) days after purchase (regret), the insurance will be canceled and the amount refunded in full, if requested after 7 (seven) days of purchase, the insurance will be canceled and a credit of days will be generated for your policy, which is available for use within 30 (thirty) months, from your request, for the issuance of a new policy under the same conditions as the previous one, without changing values, as long as the plan is maintained and the same number of days!

After the term of your insurance has begun, it is no longer possible to request total or even partial cancellation. For more information on cancellation, please refer to the general conditions of your policy.

No, to be entitled to care in case of diagnosis of COVID-19 in Travel, you must hire the product that has this coverage, before the start of your trip. If your trip has not yet started, it is possible to make the change by canceling the contracted product and contracting a new plan with coverage for COVID-19.

Cancellation can be requested 1 day in advance of the start of the trip, and if requested up to 7 days after purchase (regret), the insurance will be canceled and the amount refunded in full, if requested after 7 days of purchase, the insurance will be canceled and a credit of days will be generated for your policy that is available for use in up to 30 months,  from your request, for the issuance of a new policy under the same conditions as the previous one, without changing values, as long as the plan is maintained and the same number of days!

After the term of your insurance has begun, it is no longer possible to request total or even partial cancellation. For more information on cancellation, see our general conditions, page 18, through the website:

https://www.universal-assistance.com/br-pt/condicoes-gerais.html

Please contact Universal Assistance to obtain information by one of the numbers available on the webpage: https://www.universal-assistance.com/br-pt/asistencia

If the trip has already started, it is not possible to extend the voucher’s validity.

If the trip has not yet started, simply cancel the current insurance and purchase a new one for the desired period.

For more information, please contact:
Corporativo-SP (BR) – Corporativo-br@universal-assistance.com or https://www.universal-assistance.com/br/assistencia.

Access the website: https://www.universal-assistance.com/br/assistencia.

To clarify general questions, visit:
 https://www.universal-assistance.com/br-pt/perguntas-frequentes#

To activate your assistance, visit:
 https://www.universal-assistance.com/br-pt/asistencia
and click on “WiFi Call”.