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Old 06.01.2014, 17:52
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Travel insurance

Can anyone recommend a good travel insurance company or particular policy?

I would like something that covers both medical and loss/theft of baggage and personal possessions.

I read somewhere it might be cheaper just to take it out for a whole year rather than every time I go on a trip. Is this true?
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Old 06.01.2014, 17:55
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Re: Travel insurance

Most not 'one-off' travel insurances are those that need notice to be given about 12 months beforehand if you no longer want it - so be cautious.
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Old 08.01.2014, 12:23
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Re: Travel insurance

My liability insurance with CSS is cover baggage lost, but within Switzerland only. You might have to ask your liability insurance company to cover in other country, but of course you have to pay more premium.

PS. I think if you purchase the ticket with VISA, baggage lost is insured and also some airline offer the same thing.
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Old 08.01.2014, 12:37
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Re: Travel insurance

We are with TCS and so far they have been great. A few years ago we had to claim some travel and had no problems at all
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Old 08.01.2014, 12:45
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Re: Travel insurance

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Can anyone recommend a good travel insurance company or particular policy?

I would like something that covers both medical and loss/theft of baggage and personal possessions.

I read somewhere it might be cheaper just to take it out for a whole year rather than every time I go on a trip. Is this true?
For medical insurance, it's best to just check with your health insurance to see if they have options for cover while on holiday abroad and go from there. I pay CHF5.- a month or so on top for international cover through my complimentary insurance with Assura.

For lost baggage this could be an option included with your household belongings insurance which would then cover items while traveling up to a certain amount for a monthly premium. (Not worth it in my opinion mainly because I travel light so the risk doesn't justify the premium paid)
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Old 08.01.2014, 14:20
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Re: Travel insurance

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We are with TCS and so far they have been great. A few years ago we had to claim some travel and had no problems at all


My late wife and I had booked two trips, one to Cornwall and the other to Morocco. My wife was taken ill and then died. Because I didn't follow the rules and regulations of the TCS to the letter - who does at such times - TCS refused to repay the costs incurred to that moment - Fr.2000+.
Only after a long fight and going right to the top did the company show any sense of understanding and paid out. As I had been a TCS member for 50 years I wasn't very pleased and have since moved my premiums to another company.
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Old 12.06.2014, 12:53
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Re: Travel insurance

I have my travel insurance through AXA Winterthur and I have never had any problems with them. I missed a flight last month due to a car crash on the motorway and they reimbursed me straight away for the extra flight that I had to book. When I got the insurance, I dealt with Jasmin (details below). She speaks excellent English and is very prompt to respond to any queries.

Jasmin Bonetti
Versicherungsberaterin
Telefon +41 (0)76 394 38 47
Fax +41 (0)44 456 43 74
mailto:jasmin.bonetti@axa-winterthur.ch
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Old 12.06.2014, 12:59
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Re: Travel insurance

For insurance covering your health and personal accidents it is best to use your Swiss health insurance company. For stolen baggage you can probably use your Swiss house contents policy. Ask your Swiss insurance companies first.
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Old 12.06.2014, 13:13
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Re: Travel insurance

World Nomads
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Old 12.06.2014, 13:47
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Re: Travel insurance

Try Zurich Relax...
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Old 30.03.2016, 23:48
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Re: Travel insurance

Bumping this as I will be on the lookout for a new travel insurance and was wondering if anyone could recommend one that covers for consequences of flight delays?

It so turns out that my current insurer's fine print does not cover delays (I thought it did- and was assured so by their help-desk ), but only cases where there is a technical fault. My flight in December was delayed by over 5 hours (due to non-technical reasons- there was a mix-up of the flight crew) because of which I missed the last train to my destination and had to stay overnight at the [pricey] airport hotel. Any suggestions would be appreciated...
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Old 31.03.2016, 08:46
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Re: Travel insurance

Under EU rules, you can make a claim for delayed flight, direct with the airline.

https://en.wikipedia.org/wiki/Regulation_261/2004

Flight types are as follows:
  1. a flight of less than 1500 km in distance
  2. a flight within the EU of greater than 1500 km in distance, or any other flight of greater than 1500 km but less than 3500 km in distance
  3. a flight not within EU of greater than 3500 km in distance
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Old 31.03.2016, 21:19
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Re: Travel insurance

As other have said above, normal health insurance will be fine abroad unless you are going to expensive countries like the US when it needs topping up.

Household insurance for luggage.

For delays, I pay about 80 chf a year to La Mobilière. I am covered for illness or accident preventing me taking the flight, death of a pet or public transport delays doing the same too, as well as airline delays.
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Old 31.03.2016, 21:29
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Re: Travel insurance

Why don't you try Zurich?
http://www.zurich.com.au/content/zur...ce-claims.html
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Old 31.03.2016, 21:48
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Re: Travel insurance

seems to be applicable only in Australia...
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Old 01.04.2016, 12:27
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Re: Travel insurance

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seems to be applicable only in Australia...
Keeping the company name same and looking in Switzerland, gives you this - https://www.zurich.ch/en/private-cus...avel-insurance and for cancellation - https://www.zurich.ch/en/private-cus...ellation-costs
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Old 14.06.2016, 21:37
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Re: Travel insurance

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Under EU rules, you can make a claim for delayed flight, direct with the airline.

https://en.wikipedia.org/wiki/Regulation_261/2004

Flight types are as follows:
  1. a flight of less than 1500 km in distance
  2. a flight within the EU of greater than 1500 km in distance, or any other flight of greater than 1500 km but less than 3500 km in distance
  3. a flight not within EU of greater than 3500 km in distance
Update: I filed the claim with the airline and was informed that they cannot give compensation as the reason is "Air Traffic Controllers restrictions". They have not replied to my question asking what all comes under this category.

What happened in reality (as conveyed by the crew) was that the crew intended for the flight had been on air for a while and were not permitted to board. There were two other later flights by the same carrier to the same destination and those went ahead as scheduled- ours got delayed until they could find a new team. I would have categorised this more as "Airline's ineptitude"
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Old 14.06.2016, 22:02
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Re: Travel insurance

Don't think they can wiggle out of it that easily. See this:

http://www.airclaims.co.uk/eu-regulation-261/

And from Wiki (Sbrinz's link):

Delays

If an airline expects a flight to be delayed, passengers are entitled to refreshments and communication if the expected delay is more than:[3]
  • two hours, in the case of a type 1 flight
  • three hours, in the case of a type 2 flight
  • four hours, in the case of a type 3 flight
Additionally, if the flight is expected to depart on the day after the original scheduled departure time, passengers are entitled to accommodation.

If a flight is delayed by five hours, passengers are additionally entitled to abandon their journey and receive a refund for all unused tickets, a refund on tickets used already if the flight no longer serves any purpose in relation to their original travel plan, and, if relevant, a flight back to their original point of departure at the earliest opportunity.

Finally, various court decisions (see below) have established that a passenger experiencing a loss of time equivalent to three hours or more at the final destination is entitled to compensation as though his flight had been cancelled.

Your flight delay is based on the scheduled arrival time. This is defined as when the doors are opened on the plane and not when it lands (as some airlines may claim).[4]
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Old 14.06.2016, 22:09
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Re: Travel insurance

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Can anyone recommend a good travel insurance company or particular policy?

I would like something that covers both medical and loss/theft of baggage and personal possessions.

I read somewhere it might be cheaper just to take it out for a whole year rather than every time I go on a trip. Is this true?
If you speak German, here's some info on Swiss health-insurance when you're abroad.
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Old 14.06.2016, 23:05
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Re: Travel insurance

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If you speak German, here's some info on Swiss health-insurance when you're abroad.
No need to read German. You can change the language on the top right to EN and the article will appear in English.
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