Travel insurance

Will travel insurance cover the costs in the event of a grounding? (airline bankruptcy?)

Yes, for insurance policies concluded following the issue of the latest version of the GCI in June 2019 (all new contracts and product changes after August 10, 2019) this is included in the cover.

Do I have to take out travel insurance before booking a trip or can can I also do this afterward to insure the trip is covered?

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.

Should I need to cancel a trip for business reasons, will the insurance cover the costs?

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;

What does the luggage insurance cover?

The insurance covers private luggage or baggage up to the sum insured specified within the policy. It includes all objects, which the insured person has carried with them for personal use throughout the journey or have been handed over to a transportation company for transport to the travel destination.

Insured events and costs: Damage costs to luggage through sudden, unforeseen losses, damage and destruction. Parachutes, paragliders, hang gliders and kite surfing equipment are only insured against theft and loss.

Luggage late delivery: Costs for absolutely essential replacement items (max. 30 percent of the shipping costs for luggage)

Does the travel insurance apply in the event of a terror attack?

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

Does the travel insurance apply to concert or other event tickets abroad?

Yes, insofar as this pertains toattendance of one-time events like concerts or theater performances (courses excluded) with a ticket price per person of CHF 100 or more (even without a booked travel arrangement).

When is a person considered seriously ill (in accordance with the GCI)? Am I always obliged to produce a doctor's certificate?

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.

Does travel insurance include the costs of repatriation in the event of illness or death?

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.

Can the insurance also be purchased for a single trip?

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.

If a trip must be canceled as a result of a natural disaster (such as flooding, volcanic eruption etc.), will the insurance cover the costs?

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.

Is my breakdown assistance cover also valid while traveling abroad?

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.

What do I have to insure for a rental car abroad? What is already covered by my travel insurance with Zurich?

We recommend that you include the supplementary insurance “deductible for rental vehicles” in travel insurance (assistance). This insures the deductible that must be paid due to damage to the rental vehicle or theft. Any liability deductible is not insured. If you have insured this component, you can often do without a deductible reduction at the vehicle rental company.