If your trip was cancelled by a merchant (airline/train/hotel/travel companies), you usually have more rights than if you decide to cancel yourself. Please contact the merchant you booked with and ask for a refund directly. VIABUY products do not have separate travel insurance included.
If you have trouble with a transferred refund that you paid with your VIABUY card, you can contact our Customer Service. We are happy to help you in this time of crisis.