Sample premium for a trip costing up to CHF 400
Travel – Single-trip travel insurance
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The advantages for you
Embark on your holiday or business trip safe in the knowledge that you have the best possible protection with our single-trip travel insurance, including travel cancellation insurance (cancellation insurance). The Travel worry-free package for a single trip combines all of the most important forms of travel insurance in a single product. We reimburse the cancellation costs if you cannot embark on your trip. We also assume the rebooking costs if you cancel before you embark on the trip, as well as additional costs for return travel and travel services you were unable to use because you had to interrupt a trip you have already embarked upon. The experts from our Swiss travel emergency hotline are also on hand to help if you encounter any problems. Did you know?: In the premium rate, you can also obtain health insurance for travel abroad and legal expenses travel insurance in return for a small surcharge.
Cost coverage in case of cancellation & travel interruption
For holidays or business travel
All main travel insurance in one package
24-hour travel emergency call
Tariff overview
| Travel |
Recommended
| |
|---|---|---|
| Cancellation insurance
Cancellation insurance:
Reimbursement in the event of travel cancellation, rebooking, no or delayed travel and delayed departure. | ||
| Trip interruption insurance
Trip interruption insurance:
Reimbursement of costs if you need to cancel, interrupt or extend the trip. | ||
| Personal assistance
Personal assistance:
Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment. | ||
| Luggage insurance
Luggage insurance:
Replacement for damaged, lost or late baggage. | ||
| Travel health insurance
Travel health insurance:
Cost sharing for medically necessary healing measures in the event of unexpected illnesses or accidents of the insured person while traveling abroad. | ||
| Legal protection insurance
Legal protection insurance:
Cost sharing in legal matters as a result of an accident or a rental dispute by our partner "Orion Rechtsschutz-Versicherung AG". | ||
| Types of travel | Air, rail, bus, ship, independent travel by car | Air, rail, bus, ship, independent travel by car |
| Scope of cover | Globally | Globally |
| Maximum trip duration | 92 days | 92 days |
| Policy to be taken out | When or after you book the trip | When or after you book the trip |
| Refund(Cancellation and trip interruption insurance) | Depending on the travel price | Depending on the travel price |
| Excess | ||
| Number of trips | Single trip | Single trip |
| Price overview | Download PDF | Download PDF |
Sample price for travel insurance | CHF 20 (sample premium for a trip price of up to CHF 400) Calculate premium | CHF 24 (sample premium for a trip price of up to CHF 400) Calculate premium |
The most important benefits – at a glance
Cancellation insurance
| What's covered | |
|---|---|
| For non-commencement of the trip | |
| For non-commencement of the trip | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| If the trip booking is changed | |
| If the trip booking is changed | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | up to CHF 30 per person |
| In the event of a delayed start to the journey | |
| In the event of a delayed start to the journey | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
Trip interruption insurance
| What's covered | |
|---|---|
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
Personal assistance
| What's covered | |
|---|---|
| Medically indicated repatriation | |
| Medically indicated repatriation | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Procurement and dispatch of lost medically prescribed medication | |
| Procurement and dispatch of lost medically prescribed medication | |
| Care for minor children if they have to continue the trip on their own | |
| Care for minor children if they have to continue the trip on their own | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Baggage collection | |
| Baggage collection | up to CHF 2'500 |
| Search, rescue and recovery costs | |
| Search, rescue and recovery costs | up to CHF 10'000 |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | up to CHF 75 |
| SOS message for travellers (if the insured cannot be reached) | |
| SOS message for travellers (if the insured cannot be reached) | |
| Provision of craftsmen in the event of damage at home | |
| Provision of craftsmen in the event of damage at home | |
Luggage insurance
| What's covered | Travel | Travel Premium |
|---|---|---|
| Maximum sum insured | ||
| Maximum sum insured | CHF 1'000 for individuals / CHF 2‘000 for families | CHF 2‘000 for individuals / CHF 4‘000 for families |
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Loss, damage or late delivery by a transport company | ||
| Loss, damage or late delivery by a transport company | ||
| Damage to luggage given in foreign custody | ||
| Damage to luggage given in foreign custody | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | CHF 250 for individuals / CHF 500 for families | CHF 250 for individuals / CHF 500 for families |
| Replacement of ID cards and visas | ||
| Replacement of ID cards and visas | CHF 200 | CHF 200 |
Travel health insurance (included in premium tariff)
| What's covered | |
|---|---|
| In-patient treatment in the hospital including operations that cannot be postponed | |
| In-patient treatment in the hospital including operations that cannot be postponed | |
| Outpatient treatment | |
| Outpatient treatment | |
| Medicines, remedies and bandages as well as aids as a result of an accident | |
| Medicines, remedies and bandages as well as aids as a result of an accident | |
| Pain relieving conservative dental treatments | |
| Pain relieving conservative dental treatments | |
| Medical treatment of pregnancy complications | |
| Medical treatment of pregnancy complications | |
| Radiation, light and other physical treatments | |
| Radiation, light and other physical treatments | |
| Accommodation of an accompanying person in the hospital with sick children | |
| Accommodation of an accompanying person in the hospital with sick children | |
| Insurance protection in the event of inability to transport beyond the end of the insurance period | |
| Insurance protection in the event of inability to transport beyond the end of the insurance period | |
Legal protection insurance (included in premium tariff)
| What's covered | |
|---|---|
| Compensation, criminal charges and victim assistance | |
| Compensation, criminal charges and victim assistance | |
| Protection in the event of ID withdrawal | |
| Protection in the event of ID withdrawal | |
| Contract law, e.g. legal disputes when renting or repairing a motor vehicle abroad | |
| Contract law, e.g. legal disputes when renting or repairing a motor vehicle abroad | |
| Patient rights | |
| Patient rights | |
| Property law | |
| Property law | |
| Legal disputes with an insurance company, health insurance company or pension fund | |
| Legal disputes with an insurance company, health insurance company or pension fund | |
Questions and answers
How do I contact HanseMerkur International in an emergency?
Emergency hotline service
Our Swiss emergency call centre is available 24 hours a day, 365 days a year to support you in the event of an emergency during your trip. The experts provide you with advice on aspects such as choosing doctors or hospitals, or can organise repatriation. If an emergency happens during your trip, call: +41 43 550 21 21
Does the cancellation insurance cover illness with COVID-19?
Insured event
In addition to unexpected and serious illness, the cancellation insurance also covers illness with COVID-19.
Did you know? Key facts about travel cancellation insurance
Travel cancellation insurance
Travel cancellation insurance at a glance
The entire family has been looking forward to the holiday for months and then: a sudden illness or accident forces you to cancel the trip. By taking out travel cancellation insurance, you get back the cancellation costs charged by your tour operator or carrier. Particularly if you are forced to cancel a package holiday, a cruise or long-distance flights at short notice, you are often faced with a hefty bill – travel cancellation insurance saves your travel budget and protects you from financial losses.
Cost-effective package
Take out travel cancellation insurance as part of a cost-effective package
Travel cancellation insurance gives you financial protection if something goes wrong before you embark on your trip. Small acts of carelessness can have major consequences for your travel budget during your trip, too. If you unexpectedly fall ill in countries like the US or Canada, you will often be presented with a hefty bill for medical fees and hospital costs. Replacing stolen documents or damaged luggage or becoming embroiled in a legal dispute can also very quickly result in costs running into several hundreds of Swiss francs. This is why we offer you travel cancellation insurance as part of a package comprising other key travel insurance components for your trip.
The best deal
The best deal: single-trip travel insurance for business trips
Extensive protection in the form of travel insurance is not only available to tourists. People travelling on business can also fall victim to bad luck: Your new trolley case goes missing between the airport and your destination, theft leaves you without your bank cards and identity documents, or a travel warning forces you to stay in your destination for longer than you planned. If worst comes to worst, our single-trip travel insurance policy, including travel cancellation insurance, will reimburse you for the costs incurred. Calculate your premium online now in a few easy steps. Did you know?: You can book the single-trip travel cancellation insurance included in the package at any time until just before departure – also, that goes without saying, from your mobile phone or tablet.
Important documents for download
Book single-trip travel insurance directly
Choose from the following range of convenient payment methods when you book:
- Travel
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