Zurich assumes the cancellation cost if you cannot set out on your journey, for example because of health reasons.

Travel insurance covers incidents during the trip that necessitate an early return or an extended stay.

We pay the costs for travel arrangements booked and paid for before you departed.

Support in certain travel-related legal cases abroad, incl. assumption of lawyers' fees and procedural costs.

We are happy to advise clients from the Principality of Liechtenstein on the purchase of travel legal protection insurance in person at our General Agency Robert Wilhelmi, Europark, Austrasse 79, FL 9490 Vaduz, phone +423 265 52 52, e-mail: vaduz@zurich.ch

Quick help on the spot and back on the road with a replacement vehicle - thanks to Europe-wide roadside assistance. Roadside assistance for bicycles and motorcycles is also covered.

Zurich covers the costs of emergency replacement in the event of baggage delays or compensates for damaged or lost baggage.

Depending on the agreement, the insurance covers the individual or all persons living in the same household.

• Individual: The policyholder is insured
• All persons living in the same household: The insurance covers the policyholder and all persons who live with the policyholder in the same household or who regularly return to the policyholder's household as weekly or weekend residents. Further information on insurance cover can be found in the GCI in our downloads.

Yes, for insurance policies concluded following the issue of the latest version of the GCI in June 2019.

Yes, whereby the prerequisite is that no warning has been issued before travel by the FDFA or FOPH.

Yes, repatriation in the event of serious illness or accident on the part of the insured person to their fixed residence in Switzerland or the Principality of Liechtenstein and/or the respective local hospital is covered.

Furthermore, the costs for the burial and transportation of the body of the insured to their residence in Switzerland or the Principality of Liechtenstein are likewise covered.

Yes, for acts of God (sudden natural disasters including floods, inundation, storms [= winds in excess of 75 km/h], hail, avalanches, snow pressure, landslides, rock fall or earthquakes) as with other natural disasters.

The insurance applies to occurrences of loss within Switzerland and the Principality of Liechtenstein, European countries as well as countries bordering the Mediterranean and the island states of the Mediterranean. For transport across the sea the insurance coverage will continue uninterrupted, providing the point of departure and destination are within the region of validity.

However, the insurance does not apply in the following countries: Belarus, Moldavia, the Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria.

Occurrences of loss or damage pertaining to rental vehicles are not covered.

The insurance covers luggage which the insured person has with them for personal and private use on a journey or which has been handed over to a transportation company for transport to the travel destination, up to the sum insured listed in the policy.

Damage to luggage

The insurance covers damage to luggage as a result of theft or sudden, unforeseeable damage, destruction or loss. Parachutes, paragliders, hang gliders and kitesurfing equipment are only insured against theft or loss.

Delayed luggage

The insurance covers the costs for absolutely essential acquisitions of replacement items up to 30% of the sum insured, if the luggage handed over to a carrier for transportation is delayed.

No, unless

- an insured person's contract of employment is terminated unexpectedly by the employer (culpable termination is not insured);
- an insured person, who is registered with the regional employment office (RAV) as unemployed after booking a travel arrangements becomes unable to commence travel due to new unforeseen needs to comply with commitments and obligations set forth by the RAV office, or in cases where the insured person accepts a new contract of employment and as direct consequence is unable to commence the previously booked travel;

• Vacation arrangements; language and summer school courses
• Trips by air, rail and ship that you have booked
• Rental costs of vacation homes, boats, passenger vehicles and mobile homes 

... of the insured persons, irrespective of who made the booking or bore the costs.

• If you or someone close to you (such as a family member, close relative, fiancée, godparent) becomes seriously ill, has a serious accident or dies
• If your deputy at work is unavailable for health reasons
• If your property at home is severely damaged, for example, by fire or water
• If public transportation and/or your taxi to the airport or railway station in Switzerland is unavailable
• If strikes, riots, natural disasters or epidemics prevent you from traveling

• Reimbursement of cancellation costs due as per contracts, including handling fees
• If you have to delay your travel plans, Zurich will reimburse the costs of your stay that you paid for but did not use, as well as the additional costs of your onward journey
• The maximum reimbursement amount for Cancellation Insurance is CHF 30,000 per person; CHF 120,000 for all persons traveling together
• A deductible of CHF 200 per event will be applied

• If your dog or cat becomes ill or has an accident, Zurich pays the cancellation cost owed, including handling fees.
• If you are unable to travel because you have misplaced your personal travel documents, your cancellation costs are insured.
• If you do not wish to start the journey alone because your traveling companion has become ill or has suffered an accident, Zurich insurance covers the cancellation costs.

Relax Assistance travel insurance is a package and includes the following modules as standard: Cancellation costs, travel protection, replacement trip and travel legal protection abroad. At Zurich, travel cancellation insurance is called cancellation costs insurance and can be taken out as an individual module or as part of the Relax Assistance Travel Insurance package.

You can also take out travel insurance after you have booked your trip and are insured if the insured event has not begun before the conclusion of the contract.

An insured person is considered seriously ill when such is stated in a doctor's certificate, which must be available for inspection in all cases.

No, this is an annual policy, which as a rule is priced more favorably than if you were to take out insurance for each trip individually. Plus: the insurance coverage of our annual insurance policy naturally applies to weekend excursions too.