{"id":111453,"date":"2023-03-14T09:41:18","date_gmt":"2023-03-14T13:41:18","guid":{"rendered":"https:\/\/blog.sitata.com\/?page_id=111453"},"modified":"2023-05-23T19:44:42","modified_gmt":"2023-05-23T23:44:42","slug":"how-does-travel-insurance-work","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/pt\/how-does-travel-insurance-work\/","title":{"rendered":"Como funciona o seguro de viagem?"},"content":{"rendered":"[et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_stops=\"#26343e 56%|#ffffff 100%\" background_image=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/03\/charlotte-noelle-98WPMlTl5xo-unsplash.jpg\" background_blend=\"screen\" min_height=\"400px\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|false|false\" custom_padding=\"20px|20px|0px|20px|20px|false|false\" global_colors_info=\"{}\"]

SITATA ACADEMIA DE SEGUROS<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFFFF\" header_font_size=\"3rem\" header_line_height=\"1.2em\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|20px|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]

COMO FAZ TRABALHO DE SEGURO DE VIAGEM?<\/span><\/h1>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" column_structure=\"2_5,3_5\u2033][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"2_5\u2033][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/beach-fantasy.png\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" title_text=\"praia-fantasia\" hover_enabled=\"0\u2033 sticky_enabled=\"0\u2033][\/et_pb_image][\/et_pb_column][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"3_5\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font=\"|300|||||||\" header_font=\"|300|||||||\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

O seguro de viagem \u00e9 um aspecto importante de qualquer viagem, quer esteja a viajar a n\u00edvel interno ou no estrangeiro. Pode proporcionar protec\u00e7\u00e3o financeira contra eventos imprevistos, como cancelamentos de voos, perda de bagagem, ou despesas m\u00e9dicas inesperadas. Neste artigo, vamos analisar as no\u00e7\u00f5es b\u00e1sicas de como funciona o seguro de viagem.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Passo 1: Escolher a pol\u00edtica correcta<\/h3>\n

H\u00e1 muitos tipos diferentes de ap\u00f3lices de seguro de viagem dispon\u00edveis, e \u00e9 importante escolher a adequada para as suas necessidades. Algumas ap\u00f3lices podem cobrir apenas emerg\u00eancias m\u00e9dicas, enquanto outras podem oferecer cobertura para cancelamentos de viagens, perda ou roubo de bagagem, e muito mais. Antes de escolher uma ap\u00f3lice, certifique-se de ler as letras mi\u00fadas e compreender o que est\u00e1 coberto e o que n\u00e3o est\u00e1.<\/p>\n

Passo 2: Adquirir a Pol\u00edtica<\/h3>\n

Depois de ter escolhido uma ap\u00f3lice que satisfa\u00e7a as suas necessidades, \u00e9 altura de a adquirir. Muitas vezes, pode comprar o seguro de viagem directamente \u00e0 companhia a\u00e9rea, \u00e0 companhia de cruzeiros ou \u00e0 ag\u00eancia de viagens que est\u00e1 a utilizar, ou pode compr\u00e1-lo directamente a um fornecedor de seguros. Alguns cart\u00f5es de cr\u00e9dito tamb\u00e9m oferecem seguro de viagem como um benef\u00edcio, por isso n\u00e3o se esque\u00e7a de verificar se o seu cart\u00e3o inclui esta cobertura.<\/p>\n

Etapa 3: Compreender a Cobertura<\/h3>\n

\u00c9 importante compreender o que a sua ap\u00f3lice cobre antes de embarcar na sua viagem. Isto pode incluir o montante de cobertura de despesas m\u00e9dicas, a franquia que ser\u00e1 respons\u00e1vel e o montante m\u00e1ximo que a ap\u00f3lice ir\u00e1 pagar. Dever\u00e1 tamb\u00e9m compreender quaisquer exclus\u00f5es ou limita\u00e7\u00f5es da ap\u00f3lice, tais como cobertura por condi\u00e7\u00f5es pr\u00e9-existentes ou desportos de aventura.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_2,1_2\u2033 admin_label=\"callout\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"25px|25px|25px|25px|false|false\" border_radii=\"on|15px|15px|15px|15px|15px\" border_width_all=\"2px\" border_color_all=\"#E1B876\u2033 global_module=\"112363\u2033 saved_tabs=\"all\" global_colors_info=\"{}\" locked=\"off\"][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/02\/excited-airport.png\" alt=\"imagem da manchete de viajantes entusiasmados no aeroporto para viajar sem preocupa\u00e7\u00f5es com o seguro de viagem\" title_text=\"excited-airport\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 global_colors_info=\u201d{}\u201d]

Pronto para ir?<\/h1>\n

Tempo para Proteja a sua viagem<\/span><\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font_size=\u201d1.5rem\u201d global_colors_info=\u201d{}\u201d]

O seguro de viagem da Sitata \u00e9 muito mais do que isso. Assist\u00eancia 24\/7\/365 atrav\u00e9s de chat, notifica\u00e7\u00f5es de perturba\u00e7\u00f5es e seguran\u00e7a em tempo real, seguimento de voos, telemedicina, pagamentos r\u00e1pidos de sinistros digitais, e a lista continua... tudo para que possa viajar sem preocupa\u00e7\u00f5es. Ent\u00e3o, de que est\u00e1 \u00e0 espera?<\/p>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.sitata.com\/for-your-trip\" button_text=\"Verificar pre\u00e7os\" _builder_version=\"4.20.2\u2033 _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 global_colors_info=\u201d{}\u201d][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u201d4.20.2\u2033 _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"4_4\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d hover_enabled=\u201d0\u2033 global_colors_info=\u201d{}\u201d sticky_enabled=\u201d0\u2033]

Passo 4: Fazer uma reclama\u00e7\u00e3o<\/h3>\n

Se tiver um evento coberto durante a sua viagem, tal como uma emerg\u00eancia m\u00e9dica ou bagagem perdida, ter\u00e1 de fazer uma reclama\u00e7\u00e3o junto da sua seguradora. Para o fazer, ter\u00e1 normalmente de fornecer documenta\u00e7\u00e3o do evento, tal como um relat\u00f3rio policial ou registos m\u00e9dicos. A companhia de seguros avaliar\u00e1 ent\u00e3o o seu pedido de indemniza\u00e7\u00e3o e determinar\u00e1 se este est\u00e1 coberto pela sua ap\u00f3lice.<\/p>\n

Passo 5: Receber compensa\u00e7\u00e3o<\/h3>\n

Se o seu pedido de indemniza\u00e7\u00e3o for aprovado, a companhia de seguros providenciar\u00e1 uma indemniza\u00e7\u00e3o de acordo com os termos da sua ap\u00f3lice. Isto pode incluir o reembolso de despesas m\u00e9dicas, o pagamento em dinheiro de uma viagem cancelada ou interrompida, ou a cobertura do custo de artigos perdidos ou roubados. \u00c9 importante notar que provavelmente ter\u00e1 de pagar quaisquer despesas antecipadamente e, em seguida, apresentar um pedido de reembolso.<\/p>\n

Passo 6: Cancelamento de uma pol\u00edtica<\/h3>\n

Se precisar de cancelar a sua viagem, poder\u00e1 tamb\u00e9m ter de cancelar a sua ap\u00f3lice de seguro de viagem. Muitas ap\u00f3lices oferecem um per\u00edodo gratuito, durante o qual pode cancelar a ap\u00f3lice e receber um reembolso total. Se precisar de cancelar ap\u00f3s o per\u00edodo de procura gratuita, poder\u00e1 ser-lhe cobrada uma taxa de cancelamento.<\/p>\n

Em resumo, o seguro de viagem pode proporcionar uma protec\u00e7\u00e3o financeira importante durante a sua viagem. Ao escolher a ap\u00f3lice certa, compreender a cobertura, e saber como fazer uma reclama\u00e7\u00e3o, pode assegurar-se de que est\u00e1 preparado para quaisquer eventos inesperados que possam ocorrer. Lembre-se de ler as letras mi\u00fadas, fazer perguntas, e certificar-se de que est\u00e1 confort\u00e1vel com a ap\u00f3lice antes de fazer uma compra.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_4,1_4,1_4,1_4\u2033 admin_label=\"navigation\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/checklist.png\" title_text=\"checklist\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]

Voltar a...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTk3NyJ9fQ==@\" hover_enabled=\"0\u2033 locked=\"off\" global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Lista de verifica\u00e7\u00e3o do seguro de viagem<\/span><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/cash.png\" title_text=\"cash\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]

Em cima a seguir...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTkwOCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Quanto custa o seguro de viagem?<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 admin_label=\"Sec\u00e7\u00e3o\" _builder_version=\"4.19.5\u2033 _module_preset=\"default\" background_color=\"#ffefd6\u2033 background_image=\"https:\/\/blog.sitata.com\/wp-content\/uploads\/2023\/02\/continents-min.png\" custom_padding=\"140px||140px|||false|false\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_code admin_label=\"cabe\u00e7alho\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" text_orientation=\"center\" module_alignment=\"center\" custom_margin=\"0px||0px||false|false\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

E se o seu seguro de viagem realmente ajudou-o a ter uma viagem mais suave?<\/span><\/h1>[\/et_pb_code][et_pb_text _builder_version=\"4.19.5\u2033 _module_preset=\"301fdfa3-009a-42fe-8b20-657927fbb5c5\u2033 text_orientation=\"center\" max_width=\"100%\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|42|42|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

Veja porque milhares de viajantes escolhem Sitata quando viajam<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text= \"Escolha o Sitata agora\" button_alignment=\"center\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|tablet\" _builder_version=\"4.20.2\u2033 _dynamic_attributes=\u201dbutton_url\u201d _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 custom_margin=\"25px||||false|false\" animation_direction=\"bottom\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"top\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]","protected":false},"excerpt":{"rendered":"

ACADEMIA DE SEGUROS SITATAComo funciona o seguro de viagem? O seguro de viagem \u00e9 um aspeto importante de qualquer viagem, quer se trate de uma viagem nacional ou internacional. Pode proporcionar prote\u00e7\u00e3o financeira contra acontecimentos imprevistos, como cancelamentos de voos, perda de bagagem ou despesas m\u00e9dicas inesperadas. Neste artigo, vamos abordar as no\u00e7\u00f5es b\u00e1sicas de como funciona o seguro de viagem.Passo 1: Escolher o seguro certo [...]<\/p>","protected":false},"author":15,"featured_media":112456,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"folder":[455],"yoast_head":"\nHow Does Travel Insurance Work?<\/title>\n<meta name=\"description\" content=\"Before purchasing travel insurance, read the fine print, ask questions, and understand the policy to know how travel insurance really works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sitata.com\/pt\/how-does-travel-insurance-work\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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