Questions and answers about travel insurance

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“Pre-travel” coverage option

  • If you have to cancel your trip before departure due to an insured event, the insurance company will assume the contractually agreed cancellation costs incurred up to the maximum insured amount indicated in the insurance policy.

    The following are deemed insured events:

    • Serious illness, serious accident or death of a policyholder, co-traveller or related party
    • Sudden loss of employment
    • Unforeseen start of employment
    • Unscheduled military operation orders
    • Theft of documents
    • Strikes, terror attacks, epidemics, pandemics, natural disasters and cases of force majeure

    A definitive list of insured travel services and events can be found in the  General Terms and Conditions of Insurance (GTCI).

  • The loss of a flight due to cancellation by the airline is not an insured event which is why we do not provide insurance coverage for it. Please contact your airline or tour operator for the refund of the flight price or to organize alternative transport/rebook. You can find more information about your rights on the website of the Federal Office of Civil Aviation.

    The link will open in a new window More information at bazl.admin.ch

  • No, costs of persons who the policyholder has invited on a trip are not covered.
  • No, claims due to the insolvency of a service provider are not covered. Most travel agencies have insolvency protection for package tours to cover such events (e.g. via the Swiss travel industry’s guarantee fund). Check this when booking your trip.
  • The contractually agreed cancellation costs on the day when the insured event occurs are covered. If you decide to put off cancellation without justified medical grounds and the cancellation costs go up as a result, these costs will not be covered. Inform your doctor about your travel plans.

“Travel by car” coverage option

  • Private vehicles driven by a policyholder up to a max. of 3.5 tonnes in weight and a maximum height of 3.2 metres which are registered in Switzerland or the Principality of Liechtenstein. Authorized trailers with a total weight of 1.5 tonnes that are attached to these vehicles are also covered. Hire cars, even if registered abroad, are also insured provided no third parties (e.g. car hire company) cover these benefits.

  • Yes. No matter how you decide to travel – your own car, a motorbike or a hire car – we are here to help you in an emergency.

  • If your private vehicle cannot be repaired on site in the event of a breakdown or traffic accident in another European country abroad, the additional costs for onward and home-bound travel (including the use of a hire car) will be covered up to CHF 2,000 per event.