Travel Insurance for Switzerland – Top Plans

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

As you prepare for your upcoming journey to Switzerland, the land of Alpine landscapes, yodeling, Swiss watches, and, of course, delicious cheese and chocolate, there’s one more essential item you mustn’t forget – your travel insurance!

“But wait, why do I need travel insurance?” you might ask.

It’s simple: Travel insurance acts as your financial safety net against various uncertainties that come with traveling.

From sudden medical emergencies, trip delays, or cancellations to lost luggage or unexpected accidents – travel insurance has your back.

Why You Need Travel Insurance for Switzerland

Switzerland, with its picturesque landscapes and high-quality living standards, also has one of the most expensive healthcare systems in the world.

Here are a few reasons why travel insurance for your Swiss adventure is non-negotiable:

  1. Medical Emergencies: With exorbitant healthcare costs, even a minor mishap can leave you with a hefty bill. Travel insurance ensures that you’re covered for any unexpected health issues during your trip.
  2. Trip Delays and Cancellations: Unpredictable weather, technical faults, or other unforeseen situations can lead to flight delays or cancellations. Travel insurance helps you manage any additional expenses incurred in such situations.
  3. Lost or Stolen Belongings: Lost your luggage or passport? With travel insurance, you’re covered for the cost of replacing these important items.
  4. Adventure Sports: Switzerland is a haven for adventure sports, from skiing to mountain biking. If you plan to partake in these activities, specialized travel insurance can provide coverage for any accidents or injuries.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does Travel Insurance for Switzerland Cover?

Different travel insurance policies offer varying levels of coverage. However, most travel insurance for Switzerland typically covers:

  • Emergency Medical Expenses: From hospital bills, medication, treatment, to emergency evacuation if necessary.
  • Personal Accident: Financial compensation for death or permanent disability resulting from an accident.
  • Lost or Stolen Personal Belongings: Coverage for loss or theft of baggage, personal belongings, or travel documents.
  • Trip Cancellation or Curtailment: Reimbursement for expenses if you need to cancel or cut short your trip due to specific covered reasons.
  • Delayed Departure: Financial compensation if your flight is delayed for a period specified in the policy.

Best Travel Insurance Options for Switzerland

  1. World Nomads:
    Ideal for adventurous souls, World Nomads provides comprehensive plans that cover more than 150 activities. They offer 24/7 emergency assistance, and cover trip cancellation, gear and bag protection, and emergency medical expenses.
  2. AIG Travel Guard:
    AIG offers customized plans that cater to different travelers’ needs. They offer trip cancellation, medical expense coverage, and excellent customer service.
  3. Allianz Global Assistance:
    Allianz’s comprehensive plans offer coverage for trip cancellation, travel interruptions and delays, emergency medical, baggage loss and delay, and more.
  4. Safe Travels USA Cost Saver:
    Designed by Trawick International, this plan offers affordable, yet comprehensive coverage. It covers acute onset of pre-existing conditions, emergency medical evacuation, repatriation, and other benefits.
  5. Safe Travels USA Comprehensive:
    This plan provides extensive coverage including trip interruption, loss of checked luggage, emergency illness or injury, and even political evacuation.
  6. Patriot Platinum:
    Offered by IMG, Patriot Platinum provides top-tier, comprehensive coverage. It includes benefits for political evacuation, emergency reunion, return of mortal remains, and more.
  7. Visitors Care:
    A budget-friendly option from IMG, Visitors Care offers essential coverage for medical emergencies, accidents, and illnesses during your trip.

Cost of Travel Insurance for Switzerland

The cost of travel insurance for Switzerland can vary greatly depending on factors like your age, trip duration, and desired coverage level. As a rough estimate, it might cost between 4-10% of your total trip cost.

In Conclusion

Switzerland is a place of undeniable beauty and charm, offering an array of experiences. From exploring quaint villages and bustling cities to scaling snow-capped mountains, it promises an unforgettable journey.

Remember, while the memories you make will be priceless, any unforeseen mishap could prove costly without the right travel insurance. So, ensure you have a protective financial shield as you embark on your Swiss adventure. Happy travels!


1. Is travel insurance mandatory for Switzerland?

No, travel insurance isn’t mandatory for Switzerland. However, considering the high cost of healthcare and other potential travel mishaps, it’s highly recommended.

2. What should my travel insurance for Switzerland cover?

Your policy should ideally cover emergency medical expenses, personal accidents, lost or stolen personal belongings, trip cancellation, curtailment, and delayed departure.

3. How much will travel insurance for Switzerland cost?

The cost can vary greatly but generally falls between 4-10% of your total trip cost, depending on various factors like your age, trip duration, and coverage level.

4. What if I have a pre-existing medical condition?

While many insurers still provide coverage for those with pre-existing conditions, you may have to pay a higher premium. Always declare any pre-existing conditions when applying for insurance.

5. How do I claim my travel insurance?

In most cases, you’ll need to contact your insurance provider as soon as possible after the incident occurs. Be sure to keep all relevant documents, like police reports and medical records, as you’ll need them when filing a claim.