THE ESSENTIALS
Before you start
- A lost expense and an insured reason require separate checks.
- Identify refunds and other proposed solutions when calculating the remaining loss.
- Money lost is not automatically the claim payment due.
Check the reason before calculating
Fidelidade Viagem pre-contractual information dated December 2025 links cancellation following personal or family inability to travel to specified events, requirements and exclusions, alongside paid and irrecoverable expenses. A change of mind does not become one of those events merely because a booking is non-refundable.
This is a product example. Compare the clause in your own proposal, including reasons, relevant people and evidence. Another policy's list does not establish identical protection under yours.
Calculate each booking separately
Create a row for flights, accommodation, activities and other payments. Record the amount paid, cancellation terms, confirmed refund and unresolved amount. If a voucher or date change is offered, record it separately and clarify how it is treated in the claim assessment.
Purely fictional example: EUR1,500 was paid and EUR450 in refunds confirmed. The difference is EUR1,050. This identifies the loss requiring consideration; it proves neither cover nor the absence of limits, excesses or other policy rules.
Dates and evidence matter separately
Collect the booking date, insurance purchase date, when the reason became known and the intended departure. Describe events accurately rather than adapting them to a benefit's name. Buying insurance after learning of a problem does not establish protection for that situation.
Keep suppliers' confirmations and follow the applicable notification process. If clinical documents are needed, confirm the secure channel and required information; publishing diagnoses in comments does not help the assessment.
Compare before paying for another booking
Before buying, ask which causes qualify, what amounts you want to protect and which purchase and notification conditions apply. The word 'cancellation' in a summary does not mean unrestricted withdrawal.
If you want flexibility to change your mind, also compare the supplier's own amendment and refund terms. Those are separate from insured reasons. RMACHADO can help prepare a travel-insurance comparison without promising recovery of every booking.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the actual cancellation reason.
- Read the purchased cover's requirements and exclusions.
- Separate payments, refunds and voucher offers.
- Keep dates and each supplier's responses.
- Request explanations of limits, excesses and evidence.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.