Gear up for the Alps with our travel insurance for Switzerland
Gear up for the Alps with our travelinsurance for Switzerland
Where are you going?
Enter your trip destination. If you’re traveling to multiple destinations, select the country where you’ll be spending the most time.
Important: We’re unable to provide coverage for any OFAC-sanctioned country. Please check the OFAC website and our travel alerts page for information on affected countries.
Going to Cuba? You’ll need our preapproval to get travel insurance coverage for a trip to Cuba. Please call our customer service team at 1-800-228-9792 to speak with us about your trip to Cuba.
Our travel insurance for Switzerland gives you confidence as you explore, and our plans are here to help support your health, budget, and itinerary along the way.
Why vacation with our travel insurancefor Switzerland?
You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.
Personalize your policy
With up to nine optional upgrades — like cancel for any reason and rental car damage — you can tailor your plan for everything from scenic train routes to alpine hikes and winter village visits in Switzerland.
For decades, we’ve helped travelers prepare for international trips — including those heading to Switzerland’s cities, mountains, and lakes — with trusted, tech-enabled coverage designed to adapt to your itinerary.
Whether you’re navigating transit delays in Zürich or need emergency medical help after an accident in the Alps, our 24/7 assistance provider is here to support you — wherever your Switzerland travels take you.
How our travel insurance for Switzerland can help you
Asking, “Do I need travel insurance for Switzerland”? While it isn’t mandatory for short stays, travel in Switzerland often involves trains, mountain regions, and changing weather — all places where small disruptions can lead to big expenses. Our coverage can help you manage these surprises with confidence.
If you want travel insurance for skiing in Switzerland …
Consider adding our adventure activities upgrade. It offers coverage for select higher-risk activities, including skiing.
Here's what you get with our comprehensive travel insurance for Switzerland
Our comprehensive plans are built to help support you. They include key benefits like trip cancellation, emergency medical coverage, and 24/7 travel assistance. If you’re traveling on a Schengen visa, our Ultimate and Advantage plans meet Switzerland travel insurance requirements for emergency medical coverage.
Check out the table below to see what’s eligible for coverage, what’s not, and how each plan compares.
Up to $1,000,000 emergency evacuation and repatriation
Advantage
For travelers who want a step up from basic coverage.
Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation
Essential
For travelers who want reliable coverage at a lower cost.
Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation
Our plan benefits and coverage details
Ultimate
Advantage
Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)
100% of trip cost ($10,000 maximum)
100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)
$125% of trip cost ($12,500 maximum)
100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)
$1,000 ($250 per day maximum)
$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)
$1,000 ($500 per item limit)
$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
$200
$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750
$500
$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum
Closed beach: $200 maximum
Cruise disablement: $200 maximum
$600
Not included
Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000
$250,000
$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000
*$50,000 for NH residents
$50,000
$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500
$500
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
Not included
Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days
Does not apply to NH residents
120 days
Does not apply to NH residents
180 days
Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Included
Not included (secondary coverage)
Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000
$20,000
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000
$20,000
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
Included
Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes
No
No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days
Up to 30 days
Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
21 days
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Included, but limited to eligible activities (optional upgrade available for additional activities)
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)
Not available
Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)
Available ($50,000 with a $100 deductible)
Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000)
Not available to NH residents
Not available
Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available
Pet care: $250
Pet veterinarian expense: $2,500
Available
Pet care: $250
Pet veterinarian expense: $2,500
Available
Pet care: $250
Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Available ($2,000)
Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)
Not available
Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Available (additional $4,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Available (additional $4,250)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Our plan benefits and coverage details
Ultimate
Advantage
Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)
100% of trip cost ($10,000 maximum)
100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)
$125% of trip cost ($12,500 maximum)
100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)
$1,000 ($250 per day maximum)
$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)
$1,000 ($500 per item limit)
$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
$200
$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750
$500
$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason.
Closed attractions: $200 maximum
Closed beach: $200 maximum
Cruise disablement: $200 maximum
$600
Not included
Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000
$250,000
$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000
*$50,000 for NH residents
$50,000
$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500
$500
$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured
Not included
Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days
Does not apply to NH residents
120 days
Does not apply to NH residents
180 days
Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Included
Not included (secondary coverage)
Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000
$20,000
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000
$20,000
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
Included
Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes
No
No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days
Up to 30 days
Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
21 days
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Included, but limited to eligible activities (optional upgrade available for additional activities)
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)
Not available
Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)
Available ($50,000 with a $100 deductible)
Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000)
Not available to NH residents
Not available
Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
Available (waives exclusions on certain activities)
Search and rescue: $10,000
Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
Available ($200,000, $500,000, or $1,000,000)
Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available
Pet care: $250
Pet veterinarian expense: $2,500
Available
Pet care: $250
Pet veterinarian expense: $2,500
Available
Pet care: $250
Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Available ($2,000)
Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)
Not available
Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Available (additional $4,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Available (additional $4,250)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Here's what you get with our on-triptravel insurance for Switzerland
Flying to Switzerland soon and still need coverage? If you’re not looking for trip cancellation protection but want solid coverage while you’re abroad, our on-trip travel health insurance for Switzerland (with $50,000 in emergency medical coverage) may be the right fit. Travel Med Go includes emergency medical benefits that meet Schengen visa requirements, along with other key protections.
Before you buy: This plan doesn’t include trip cancellation benefits for Switzerland. If you still have time before departure and want protection for nonrefundable bookings — like flights, rail passes, or guided tours — consider our Ultimate, Advantage, or Essential plans instead.
Travel Med Go
Our post-departure plan with helpful on-trip coverage.
Trip cancellation
Up to $50,000 emergency medical
Additional $250,000 emergency medical upgrade available
Up to $250,000 emergency evacuation and repatriation
Up to $1,000 baggage and personal effects
Our plan benefits and coverage details
Travel Med Go
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days
Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000 for emergency medical expense only)
Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (provides coverage for certain additional activities not included in the base plan)
Search and rescue: $10,000
Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available
Limit options: $200,000, $500,000, or $1,000,000)
Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available
Pet care: $250
Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $4,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Our plan benefits and coverage details
Travel Med Go
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days
Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000 for emergency medical expense only)
Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (provides coverage for certain additional activities not included in the base plan)
Search and rescue: $10,000
Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available
Limit options: $200,000, $500,000, or $1,000,000)
Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available
Pet care: $250
Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $4,000)
Per item limit: $1,500
Electronic and professional equipment limit: $2,000
Sporting equipment delay limit: $1,500
Sporting equipment rental limit: $2,000
Here's what you get with our flighttravel insurance for Switzerland
Flying to Zurich or Geneva? Our Switzerland travel insurance plans for flights offer key air protection, while Flight Insure Plus adds additional benefits, including emergency medical, missed connection, and baggage coverage. Use the table below to compare these two options.
Before you buy: If you’re looking for travel medical insurance for Switzerland to meet Schengen visa rules, keep in mind that our flight-only plans don’t offer the required level of medical coverage. To meet Switzerland’s visa standards, choose from our Ultimate, Advantage, and Travel Med Go plans.
Flight Insure Plus
Our plan with extra coverage during your flight and throughout your trip.
Up to $1 million accidental death for air travel
Up to $10,000 emergency medical and dental
Up to $100,000 emergency evacuation and repatriation
Up to $1,000 baggage and personal effects
Up to $50 missed connection
Flight Insure
Our plan with simple coverage during your flight.
Up to $1 million accidental death for air travel
Emergency medical
Emergency evacuation and repatriation
Baggage and personal effects
Missed connection
Our plan benefits and coverage details
Flight Insure Plus
Flight Insure
Accidental death
Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
Up to $1 million
Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$10,000
Not included
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$100,000
Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days
Does not apply to NH residents
Not applicable
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($250 per item limit)
Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Not included
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$50
Not included
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days
Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
21 days
Our plan benefits and coverage details
Flight Insure Plus
Flight Insure
Accidental death
Benefit for loss of life as a result of an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip.
Up to $1 million
Up to $1 million
Medical and dental
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip and emergency dental treatment if you're injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$10,000
Not included
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$100,000
Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days
Does not apply to NH residents
Not applicable
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Included
Travel inconvenience
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($250 per item limit)
Not included
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Not included
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$50
Not included
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days
Up to 180 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).
Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
21 days
Important:
* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.
Get to know ourcoverage a little bit more
Switzerland has a bit of everything. Our benefits and optional upgrades let you shape your travel insurance around the way you plan to explore the country.
Unpack our benefits
Looking for Switzerland travel insurance with meaningful benefits? From emergency medical coverage to trip delay support, our plans are designed to help you navigate your trip with added confidence.
Our best travel insurance for Switzerland gives you options. That’s why our comprehensive plans offer up to nine optional upgrades — from travel insurance for skiing in Switzerland to rental car protection and more.
Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.
Switzerland travel tipsto help you prepare
These guides highlight important tips and considerations for your Switzerland itinerary.
Want to know more about our
travel insurance for Switzerland?
These FAQs break down key benefits, eligibility details, and what to consider before you explore the Swiss cities, mountains, and everything in between.
Travel insurance isn’t required for U.S. citizens visiting Switzerland for less than 90 days. However, it’s still recommended — especially if you’re booking international flights, mountain excursions, or other prepaid experiences.
If you’re a traveler who does need a Schengen visa to enter Switzerland, you’ll be required to show proof of travel health insurance for Switzerland that meets Schengen guidelines, including a minimum of €30,000 in emergency medical coverage.
Travel insurance is required when applying for a Schengen visa, and Switzerland follows the same rules as the rest of the Schengen Zone. To meet the Switzerland travel insurance requirements, your policy must include:
At least €30,000 in emergency medical coverage
Coverage for emergency medical evacuation and repatriation
Coverage that is valid in all Schengen countries, not just Switzerland
If you've heard you need travel insurance for a Switzerland visa, it’s referring to these Schengen requirements.
Do you need a visa at all?
U.S. citizens visiting Switzerland for fewer than 90 days do not need a Schengen visa. However, travelers staying longer than 90 days will need to apply for one — and that’s when proof of compliant travel health insurance for Switzerland with emergency medical coverage becomes mandatory.
Our Travelex plans that meet Switzerland’s Schengen visa requirements
For most U.S. travelers visiting Switzerland for fewer than 90 days, you’ll need:
A valid passport (must be valid for at least three months beyond your planned departure from Switzerland)
Proof of return or onward travel
Your Switzerland travel insurance confirmation — especially if your plan includes medical coverage or you want easy access to policy details during your trip
If you’re applying for a Schengen visa, you’ll also need:
A printed declaration or confirmation from your travel insurance plan showing it meets Switzerland travel insurance requirements, including at least €30,000 in emergency medical coverage
Your visa approval documents
Even though travel insurance isn’t required for short stays, it’s still smart to bring a copy of your policy confirmation and emergency contact numbers. This makes it easier to get help quickly if you need to use your travel insurance for Switzerland for visa purposes or for unexpected emergency medical or travel issues during your trip.
You can — as long as you choose the right plan and add the correct upgrade. All of our comprehensive plans — Ultimate, Advantage, and Essential — include coverage for select low-risk activities like light hiking or kayaking. If you need travel insurance for skiing in Switzerland or plan to try higher-risk activities, you’ll want to add our adventure activities upgrade to your Ultimate, Advantage, Essential, or Travel Med Go plan.
The upgrade is required for activities such as:
Snow skiing
Mountain climbing or mountaineering
Free climbing
Bungee jumping
Skydiving, parachuting, or free falling
Cliff diving or BASE jumping
Hang gliding or parasailing
Travel on air-supported devices not operated by a scheduled airline or charter
Scuba diving deeper than 75 feet
Adding it helps ensure your policy is aligned with the types of activities you plan to enjoy in Switzerland — from skiing in the Alps to more adrenaline-filled excursions.
Good to know: If you’ll only be snowboarding in Switzerland, you won’t need to include our adventure activities upgrade in your policy as coverage for this activity is included in our comprehensive plans (Ultimate, Advantage, Essential, and Travel Med Go).
Your Travelex travel insurance can follow you across borders, as long as you don’t visit one of our blocked destinations.
When you get a quote, list “Europe” if you’ll be traveling throughout the region. You can also enter the country where you’ll spend the most time. For example, if you plan to spend five days in Switzerland and three days in France, choose “Switzerland” as your destination when completing your quote.
Your coverage applies across eligible countries — giving you protection throughout your full itinerary, not just in Switzerland.
One of the advantages of traveling with our coverage is access to the Travel On app, which provides policyholders with real-time safety alerts, Switzerland travel information, and tap-to-call travel assistance — helping you stay informed wherever your trip takes you.
You can get protection for your rental car in Switzerland with our rental car damage upgrade. This optional upgrade is available with our Ultimate, Advantage, Essential, and Travel Med Go plans and can help reimburse eligible accidental damage to your rental car caused by events like theft, fire, or collision.
If you’re planning to rent a vehicle to explore Switzerland’s scenic routes — from lakeside roads to mountain passes — this upgrade can be a helpful addition to your policy.
Just note: The rental car damage upgrade applies only to standard rental cars. It does not extend to mopeds, motorcycles, or specialty vehicles, so keep that in mind when getting your quote.
Our Ultimate, Advantage, and Essential plans include trip cancellation coverage for specific, covered reasons — such as an unexpected illness or certain severe weather events. You’ll find the full list of covered cancellation reasons in your plan’s Description of Coverage (DoC).
If you’d like more flexibility, our Ultimate plan offers an optional cancel for any reason upgrade*. This upgrade lets you cancel your trip for any reason up to two days before departure and receive reimbursement of up to 75% of your insured trip cost.
Important: To be eligible for the cancel for any reason upgrade, you must:
Purchase it within 21 days of your initial trip payment.
Insure 100% of your nonrefundable trip costs (up to $10,000 per person).
Buy your policy at least 31 days before departure.
*Cancel for any fortuitous reason for NY residents.
Yes, all our plans include cruise coverage, which is good news if you’re exploring via Switzerland’s lake and river cruises — including routes on Lake Geneva, Lake Lucerne, and the Rhine.
Our Switzerland travel insurance can offer coverage for eligible cruise-related disruptions, such as cancellations, interruptions, or missed departures for covered reasons.
Whether you’re sailing past vineyard-lined shores, taking in views of the Alps from the water, or connecting to a longer Rhine itinerary, cruise travel insurance can help you stay protected from many unexpected issues that could impact your trip.
If you’re planning to add a cruise to your Switzerland itinerary, explore our cruise travel insurance page to learn more about our coverage.
We recommend purchasing your travel insurance shortly after you make your first booking for Switzerland — whether that’s your flight, rail pass, or a chalet stay in the Alps.
Buying early can give you access to additional protections, such as trip cancellation coverage, which begins the day after you purchase your plan. It also allows you to qualify for certain time-sensitive benefits, like the pre-existing medical condition exclusion waiver (available on our Ultimate plan when eligibility requirements are met). The sooner you buy, the more coverage you may have in place before your trip even begins.
Purchase your plan within 21 days of your first trip payment.
Insure 100% of your prepaid, nonrefundable trip cost.
Be medically able to travel at the time you buy your policy.
This benefit can be especially important if you’re managing ongoing health needs while traveling abroad — giving you added reassurance as you prepare for your Switzerland trip.
The cost of travel insurance for Switzerland depends on several factors — including the plan you choose, your total trip cost, your travel dates, and the ages of the travelers on the policy.
The easiest way to find out what you’ll pay is to get a quick quote online. It only takes a few seconds to compare your options and see pricing based on your specific trip details.