Before you bookThink about the cost of a cancellation.
Travel Insurance
In Switzerland
Look forward to the journey. English-speaking advice on cancellation, assistance and travel cover for Swiss residents, families and expats.
- Based in Zug and GenevaAdvice before you travel
- English-speaking advisersClear, personal guidance
- For individuals and familiesSwiss residents and expats
Travel insurance, explained
More room for adventure.
Less left to chance.
A weekend city break, a family holiday or a longer journey can involve several different risks. Travel insurance brings together benefits for specific problems before departure and while you are away.
Start with the trip you are actually planning. Who is travelling, how much is non-refundable, where are you going and how long will you stay? Those answers help identify useful protection.
Cancellation, personal assistance, medical costs, baggage and vehicle assistance are separate things to compare. A package name alone does not tell you which are included.
Before you go
Cancellation cover concerns insured events that stop your trip going ahead.
While you’re away
Assistance and interruption benefits can help when a journey changes.
Make the pieces fit
Check existing health, card and household cover before adding more.
Watch our video
Travel insurance, in focus.
Watch Swiss Prime’s short introduction to travel insurance, then explore which parts of cover fit your plans.
Choose your travel cover
One special trip.
Or a year of getting away.
Compare single-trip and annual options around your itinerary. The right choice depends on the benefits and conditions as well as how often you travel.
Single-trip travel insurance
Cover arranged for one defined journey.
- Match the destination and travel dates, including the return journey.
- Check when cancellation protection begins, not just your departure date.
- Include the full trip cost and any activities that need specific cover.
A longer journey may need a different product or an agreed extension.
Annual travel insurance
One arrangement for multiple journeys during the policy year.
- Check the maximum duration of each trip and the permitted regions.
- Confirm who is insured and whether they can travel separately.
- Compare cancellation limits, optional benefits and renewal terms.
An annual policy does not mean every length or type of journey is covered.
A practical travel guide
A few clear checks.
Then enjoy the journey.
Cancellation cover: start with your booking
What would you lose if you could not travel? Add up the non-refundable parts of your flights, accommodation, tours and other bookings, then check the policy’s cancellation limit.
- Arrange cover early. Ideally consider it when you book, before a problem becomes known. Check start dates and any waiting periods.
- Read the insured reasons. Unexpected illness or another serious event may qualify, but changing your mind does not normally do so.
- Check the people and limits. Confirm who counts as an insured traveller or close relative, and whether the limit is per person, trip or household.
- Keep the evidence. Save booking confirmations, cancellation terms and any documents supporting the reason you cannot travel.
A simple way to think about the amount
If a trip costs CHF 6,000 and CHF 1,000 is refundable, CHF 5,000 may remain exposed before other recoveries. This is an illustration of your potential loss, not a quote or a guarantee that a cancellation is insured.
Know who to call while you are away
If you need urgent local help, seek it first. Contact your insurer’s assistance service as soon as practicable, especially before arranging expensive transport or a return journey. Save its number before you leave.
- Personal assistance: may organise help, transport or repatriation following an insured event. Check which costs it actually pays.
- Trip interruption: concerns an insured reason to end or change a trip after departure. Ask about unused arrangements and extra return costs.
- Medical bills: check the medical-cost benefit separately. An assistance service does not automatically mean every hospital bill is insured.
How Swiss health cover fits in
For necessary treatment during temporary stays in the EU/EFTA or UK, the European Health Insurance Card gives access under the destination’s public-system rules. Local cost sharing can still apply. Outside this area, Swiss basic insurance has limits that may leave a gap.
Repatriation and rescue abroad are not covered by Swiss basic health insurance. Review your supplementary health and accident arrangements alongside travel assistance and any medical-cost extension.
See the FOPH guidance for tourists abroad and Helsana’s explanation of travel-health gaps.
The extras that make a difference to your trip
Match optional benefits to what you will carry and do. Compare the small limits and exclusions as carefully as the headline sum insured.
Know the item limits
Check valuables, electronics, unattended bags and delayed-luggage purchases. Report a problem to the carrier and keep its written report and your receipts.
Tell us what you plan
Skiing, diving, trekking or paid work can change what is needed. Ask about equipment, rescue and any specialist or higher-risk activities.
Separate people and vehicles
Vehicle assistance, personal assistance and a hire-car excess benefit do different jobs. Check the vehicle, territory and contract conditions for each.
Check what you already have
Bring your health, household, motor and credit-card policy details. A card may cover only certain travellers, trip lengths or payment arrangements. Compare the actual terms before buying another policy; overlapping cover does not mean you can recover the same loss twice.
For international travel, review official destination advice and entry requirements before booking and again before departure.
The FDFA’s travel-preparation and assistance guidance explains the traveller’s responsibilities and links to official travel advice.
Advice built around your plans
A clearer choice, with Swiss Prime
Start with where you are going and what you want to protect. We can help you compare useful benefits, understand exclusions and check how a travel policy fits your existing arrangements.
Our English-speaking team in Zug and Geneva supports individuals, families and expats in Zurich, Lausanne and across Switzerland. Whether it is one holiday or several trips a year, bring your plans and we can take it from there.
★★★★★
Based on 80 reviews
Mihai-George3 months ago
Exceptional Service and Financial Guidance! I have been working with SwissPrime International for the past four years for my tax returns, and I cannot recommend them highly enough. Their services are consistently outstanding, prompt, and incredibly helpful. What truly sets SwissPrime apart is their approachability and willingness to have open, transparent discussions. Beyond just handling my annual tax filing, they have provided me with invaluable, personalized insights into enhancing my retirement plan year over year. They also took the time to offer excellent Swiss financial education, which has been a massive advantage in navigating the local financial landscape. If you are looking for a reliable, knowledgeable, and proactive partner for your financial and tax needs, SwissPrime International is the way to go!
Carl Gillblad4 months ago
Ever since I moved to Zug, Swiss Prime has helped me with my taxes. They have always been very forthcoming, professional, and helpful with taxes, declarations, and pension planning.
Paul Timmins5 months ago
Our family has been a client of Swiss Prime for over ten years. t's always a pleasure working with them. Fast, efficient and accurate service.
Ben Mitchell6 months ago
I have had the pleasure of managing my tax returns and insurance policy discussions with the team over the last 6 years. Always clear, always helpful and have a vast knowledge of the market to advise.
Karin Lochte6 months ago
Super service, immer schnelle und zuverlässige Bearbeitung! Inklusive guter tipps
Paul Harrison6 months ago
Philip Hüsler assisted me for my tax submissions agter moving to Canton Zug. I am extremenly impressed with his professional and timely service. Extremely good value and greatly appreciated..
Semih Ilbars6 months ago
As an expat, dealing with taxes in Switzerland can be quite complex, so having the right support makes a huge difference. I had a very positive experience working with this team, especially Philip Huesler on my tax matters. They are highly professional, knowledgeable, and very responsive. Whenever I had questions—whether about the tax process, documentation, or specific situations—I always received clear and helpful answers in a timely manner. Their guidance made the entire process much smoother and gave me confidence that everything was being handled correctly. I can highly recommend their services, especially for expats looking for reliable and professional tax support.
avishek pal7 months ago
The Swiss Prime team (Philip in particular) has been supporting my family tax filings for the last four years. Always proactive in defining requirements and setting timelines, clear in communications and documentation needs and at the end, a timely and clean filing. They also make time for calls to clarify any questions or requests from the Swiss tax authorities. And, they handle complexity well, given my tax filing spans two countries. Daniel from the team has been a long-time advisor for my other investment needs and has always been objective and supportive with his expert recommendations.
Zdenko Mazurek7 months ago
I have been using Swiss Prime International’s services for several years and I am consistently very happy with them. The team is highly responsive, extremely knowledgeable and always very kind and professional. They take time to understand my needs and provide clear, reliable support. It is a pleasure working with a company that delivers such a high standard of service year after year. Highly recommended!
Elizabeta Stojcheva7 months ago
I’ve been working with Swiss Prime advisors for a while now, and I couldn’t be more satisfied with the service. They are incredibly knowledgeable, detail-oriented, and always up to date with the latest regulations, no matter if it's tax, investments or insurance related. They’re also very responsive and easy to reach whenever I have questions. I always feel confident that my finances are being handled accurately and efficiently. Overall, a reliable, professional, and trustworthy expert who genuinely cares about their clients. Highly recommended to anyone looking for peace of mind when it comes to handling their finances.
Answers before you travel
Travel insurance FAQs
Clear answers to the questions worth asking before departure.
Do I need travel insurance if I already have Swiss health insurance?
Possibly. Health insurance concerns treatment costs and has geographical and benefit limits. It does not automatically cover trip cancellation, baggage, rescue or repatriation. Compare your basic, supplementary and accident cover with the travel benefits you need.
When should I arrange cancellation cover?
Consider it when you make a booking. Cover cannot normally be added to deal with a problem that is already known or has already happened. Check the policy start date, cancellation start date, waiting periods and booking conditions before relying on it.
Can I cancel a holiday for any reason?
Usually not. Standard cancellation cover pays only for the events and circumstances set out in the contract. A change of mind, general worry or a supplier’s refund refusal does not automatically create an insurance claim.
What if I have an existing medical condition?
Ask how the policy treats it before booking or taking out cover. An unexpected deterioration, a known problem and travel against medical advice may be treated differently. Answer the insurer’s questions accurately and request clarification for your circumstances.
Does a family policy cover everyone travelling with me?
Not necessarily. Check the household definition, children’s age limits and whether insured people can travel separately. A friend or relative visiting from abroad may need a different arrangement. Give your adviser the details of each traveller.
Is the travel insurance on my credit card enough?
It may meet some needs, but check the current benefit schedule. Eligibility, trip duration, insured amounts and card-payment conditions differ. Do not assume you must always pay by card, or that no payment condition applies; check your own contract.
Are skiing and rental cars included?
Ask specifically. Sports, rescue, equipment and higher-risk activities can have conditions or exclusions. A rental-car excess benefit is separate from vehicle liability or comprehensive cover, and may exclude particular vehicles or uses.
Can I use ordinary travel cover for a long stay or a move abroad?
A long stay, study, business assignment or change of residence may fall outside an ordinary holiday policy. Check maximum trip length, eligibility and the effect of leaving Switzerland. Travel cover is not a general replacement for local or international health insurance when you move.
A helpful first conversation
Tell us about your next journey.
Share your destination, travel dates, who is going and the approximate booking cost. Mention any longer stays or activities so we can help you compare the right kind of cover.
Zug office
Alpenstrasse 14, 6300 Zug, Switzerland.
Geneva office
Chemin du Pommier 42, Case postale 53,
1218 Le Grand-Saconnex, Switzerland.
Tell Us What You Need
Message received
Thank you. We have received your message and will be in touch as soon as possible.
Insights & guides
Latest travel insurance articles
Practical reading to help you make informed decisions about your cover.
Essential Travel Insurance Tips for Switzerland
Prepare for travel with a review of cancellation, medical assistance, baggage and activity cover, plus the policy details Swiss travellers should check.
Read article
Travel Insurance Tales: Adventures Gone Wrong
Five illustrative travel mishaps explain what to check in baggage, medical assistance, rescue, document and cancellation cover before leaving Switzerland.
Read article
International Insurance for People Living in Switzerland: What Cover Do You Need?
Living in Switzerland with an international lifestyle? Review health, travel, liability, life and income risks across borders without duplicating cover.
Read article| What to compare | Single-trip cover | Annual cover |
|---|---|---|
| Trips covered | One specified journey. | Multiple trips within the contract period, subject to its rules. |
| Dates to check | Policy start, cancellation start and journey dates. | Annual start/renewal dates and the length of each trip. |
| Cancellation amount | Match the booked trip and relevant per-person limits. | Check whether limits apply per trip, person, household or year. |
| People insured | All travellers who need to be included. | Household definition and separate-travel rules. |
| Medical and other extras | Check the selected benefits; do not assume a full package. | Check the selected benefits; annual status alone adds no extra protection. |