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Old 16.02.2017, 11:24
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Travel Insurance for holidays

Hello everyone!

I am travelling to Indonesia next summer and I would like to get some information about which travel insurances you use.

I am looking for just travel insurance (trip cancellation because of illness, lost/delayed connection, being stolen, juridic assistance, baggage damage or loss, etc) as my Swica medical insurance already covers all the medic expenses.

I have checked Helvetia but it is around 89CHF per person and they only cover a small set of things (2000CHF of stolen goods, franchise of 200CHF for instance). Also Worldnomads, but the opinions I find on the Internet are very different and they also ahve a franchise of 70 Euros for each claim.

Any help is appreciated!
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Old 16.02.2017, 12:00
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Re: Travel Insurance for holidays

Are you sure you need that?

Despite having too many insurances (probably) and being a very frequent traveller, traveller insurance is one of the things I never had and probably will never pay for.

From what I've seen, most don't cover the things that are really relevant. I've been stuck on islands due to natural catastrophes, suffered through literally a dozen cancelled flights - but you know what, no insurance will give a damn about that. In fact in a case of natural catastrophes, they are usually quick to update their T&C confirming that's not covered.

If you have good coverage with Swiss insurances, many things will be covered already, for example through liability insurance. Check your policies carefully, or inquire with the insurance companies. Your health insurance may well cover treatment abroad, in case that should ever be required - mine for instance covers up to CHF 1 million.

Loss or damage of luggage is normally covered by airlines. The bigger ones anyway. Well ok if you fly domestic Lion Air in Indonesia, they will probably not really care much if your luggage gets lost, so maybe for that, yes... Swiss once damaged my suitcase, I sent a complaint, they sent me a contact person, I brought it, they repaired it, bill went to Swiss directly, never even saw it.

Cancellation well depends on the T&C of whatever flights or hotel you book anyway. I always book refundable/flexible fares for everything, that may cost slightly more, but it gives me peace of mind and makes a travel insurance redundant. My brother had travel insurance - with Helvetia - and once had to cancel a trip - they didn't pay one Rappen. It was due to personal reasons, but not illness or a death in the family or whatever, so they couldn't have cared less.
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Old 16.02.2017, 12:13
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Re: Travel Insurance for holidays

Thanks Samaire.

I know I do not really need a travel insurance, I also travel a lot and only did one when I went to the US, but I was not living in Switzerland so my medical insurance back then didn't cover that much abroad. As you say at the end, it is just to be "relaxed", just in case something goes wrong.

I will check if my liability insurance covers me abroad, which I am not sure.

Thanks for the reply!
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Old 16.02.2017, 12:24
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Re: Travel Insurance for holidays

Also bear in mind that if personal effects are covered by your home insurance provider, the travel policy will probably reclaim any payments from them, so you won't be getting any additional benefit from it anyway.
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Old 16.02.2017, 12:46
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Re: Travel Insurance for holidays

Up until now I've only worried about insurance to cover emergency health care when I travel to the US - which I do frequently - as my Swiss health insurance specifically limits coverage there. So I took out an additional travel policy from my Swiss health insurer. On paper it looks good, enough to cover an ER visit and care until they can patch me up to get me back to CH... but (knock wood!) I haven't had to test it yet.

Mine is CSS, you might what to look into what options your own insurer offers.

I haven't worried about flight cancellation insurance until recently, as I am usually flying last minute so get stuck with expensive but thankfully refundable tickets. But given that things are so much in flux here these days I probably should look into that, too.

Lost luggage and the rest I don't worry about. I travel light, carry-on only.
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Old 16.02.2017, 13:48
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Re: Travel Insurance for holidays

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Hello everyone!

I am travelling to Indonesia next summer and I would like to get some information about which travel insurances you use.

I am looking for just travel insurance (trip cancellation because of illness, lost/delayed connection, being stolen, juridic assistance, baggage damage or loss, etc) as my Swica medical insurance already covers all the medic expenses.

I have checked Helvetia but it is around 89CHF per person and they only cover a small set of things (2,000CHF of stolen goods, franchise of 200CHF for instance). Also Worldnomads, but the opinions I find on the Internet are very different and they also ahve a franchise of 70 Euros for each claim.

Any help is appreciated!
Try having a look at credit cards. My Cornercard Visa and Mastercard offer travel insurance over a year for 1st year (for any country/trip) 24.90 chf if I use card for minimum 51% of the holiday cost which is not so bad as I always book flight and hotel through it anyway which is about 75%..
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Old 18.02.2017, 10:27
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Re: Travel Insurance for holidays

Check here:
https://www.mobiliar.ch/versicherung...seversicherung

http://www.acszh.ch/ch-de/mitgliedsc...l.asp?navid=14

To really cover you belongings you have to have an itemized list. Give it to your insurance agent, who will then make you an offer.
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Old 18.02.2017, 12:22
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Re: Travel Insurance for holidays

TCS for cancellation etc. REGA for repatriation. Rega is 40 a year per person - dirt cheap.
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Old 23.03.2017, 11:07
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Re: Travel Insurance for holidays

Hi Everyone!

My mother is coming to visit and one of the requirements it's to have insurance for the days she will be here.
Does anyone know where can I buy this?
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Old 23.03.2017, 11:14
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Re: Travel Insurance for holidays

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Hi Everyone!

My mother is coming to visit and one of the requirements it's to have insurance for the days she will be here.
Does anyone know where can I buy this?
Sometimes your own Swiss health insurance has a facility where you can insure a visitor, but I would get your mother to check in her home country what's available and what would cover her for the trip.

My own experience with my mother is that it was cheaper for her to arrange the insurance herself in the UK. The visitor insurance on my own policy was about 30% more expensive.

Tip - make sure your mother declares every little piddly health issue to the insurers otherwise they refuse to pay out.
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Old 23.03.2017, 11:35
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Re: Travel Insurance for holidays

Thank you so much, this is really helpfull. I did send an email to my AXA agent but he is taking his sweet time and I need to get this insurance today since she is traveling Monday. I will go with the quote she got, I think is save to assume all insurance companies will be more here = )
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Old 28.03.2017, 06:19
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Re: Travel Insurance for holidays

Hi Guys,
Well come to forum site. We travelling to india next summer and we would like to get some information about which travel insurances you use.
We are looking for just travel insurance (trip cancellation because of illness, lost/delayed connection, being stolen, juridic assistance, baggage damage or loss, etc) We have medical insurance already covers all the medic expenses.We have checked Helvetian but it is around 89CHF per person and they only cover a small set of things We find on the Internet are very different and they also a have a franchise of 50 Euros for each claim.
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Old 28.03.2017, 09:22
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Re: Travel Insurance for holidays

Why is a 50/70 franchise an issue? You'll probably never claim, and if you do, the amount you claim with be somewhat higher than that, so as a percentage, your loss it not much.
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Old 28.03.2017, 12:08
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Re: Travel Insurance for holidays

Hi,

Do you have household insurance? I have mine through AXA and I added insurance that covers all my belonging inside and outside of Switzerland. For the airfare, I think the best way is to buy insurance through the airline, when you purchase the tickets online there is always an offer for that. Also, the €50 deductible it's the norm.
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Old 12.04.2017, 01:33
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Re: Travel Insurance for holidays

You might want to see if your credit card provider includes insurance if you book the flight via the credit card. There might be a extra fee per year for that but it may be cheaper if you travel often.
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