Example price per year in the Travel Easy 365 tariff
Travel 365 – Annual multi-trip travel insurance
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The advantages for you
Plan and enjoy the best few weeks of the year worry-free: the Travel 365 annual travel insurance policy reimburses the cancellation costs if you are unable to travel due to illness. Our annual travel insurance also provides you with comprehensive cover during your trip. Including trip interruption and luggage insurance, as well as personal assistance, it ensures that you and your family members are well protected no matter where you are in the world. Our tip: Opt for our premium rate annual cover and also receive health insurance for travel abroad and legal expenses travel insurance at top conditions.
Unlimited number of trips per year
Including ticket protection & best price guarantee
A package containing all of the most important travel insurance components
24-hour travel emergency call
Tariff overview
| Travel Easy 365 | Travel Standard 365 |
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 (incl. repatriation). | |||
| Luggage insurance
Luggage insurance:
Replacement for damaged, lost or late baggage. | |||
| Travel health insurance
Travel health insurance:
Contribution to the costs of medically necessary treatment for unexpected illnesses or accidents suffered by the insured person while traveling abroad. For persons resident in Switzerland and Liechtenstein who are covered by compulsory health and accident insurance. | |||
| 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". | |||
| Best price guarantee
Best price guarantee:
Reimbursement of the price difference if there is a cheaper competing offer for the planned trip. The competing offer must be exactly the same as the original offer. | |||
| Ticket protection
Ticket protection:
Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |||
| Types of travel | Air, train, bus and boat travel, travel by car | Air, train, bus and boat travel, travel by car | Air, train, bus and boat travel, travel by car |
| Scope of application | Globally | Globally | Globally |
| Maximum trip duration | 365 days | 365 days | 365 days |
| Refund (Cancellation and trip interruption insurance) | Depending on the travel price | Depending on the travel price | Depending on the travel price |
| Max. Sum insured per loss event | Individual CHF 2000 | Individual CHF 20 000 / family CHF 50 000 | Individual CHF 30 000 / family CHF 60 000 |
| Deductible ticket protection | 20 % | 10 % | 0 % |
| Number of trips | any number of trips | any number of trips | any number of trips |
| Price overview | Download PDF | ||
Sample premium for travel insurance | CHF 85 (for individuals, annual premium) Calculate premium | CHF 149 (for individuals, annual premium) Calculate premium | CHF 279 (for individuals, annual premium) 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 | |
| Sport disability | |
| Sport disability | |
| Illness, accident or death of dog, cat or horse | |
| Illness, accident or death of dog, cat or horse | |
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 | |
| Sport disability | |
| Sport disability | |
| Illness, accident or death of dog, cat or horse | |
| Illness, accident or death of dog, cat or horse | |
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 30'000 |
| 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 | |
Best price guarantee
| What's covered | |
|---|---|
| Receive the price difference between the travel price and the competitor's offer after your return. | |
| Receive the price difference between the travel price and the competitor's offer after your return. | |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | |
| Maximum sum insured | |
| Maximum sum insured | 20 % of the insured travel price |
Ticket protection
| What's covered | |
|---|---|
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Maximum sum insured | |
| Maximum sum insured | CHF 1000 |
| Insured events | |
| Insured events | |
| Unexpected serious illness, serious accident, pregnancy complications or death | |
| Unexpected serious illness, serious accident, pregnancy complications or death | |
| Vaccine intolerance (also COVID-19) | |
| Vaccine intolerance (also COVID-19) | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosened implanted joints | |
| Loosened implanted joints | |
| Pregnancy | |
| Pregnancy | |
| Damage to property (amount of damage at least CHF 2'500) | |
| Damage to property (amount of damage at least CHF 2'500) | |
| Delays to public transport of at least two hours | |
| Delays to public transport of at least two hours | |
| Change of workplace | |
| Change of workplace | |
| Loss of employment as a result of termination by the employer | |
| Loss of employment as a result of termination by the employer | |
| Inability to drive the private vehicle due to accident or breakdown | |
| Inability to drive the private vehicle due to accident or breakdown | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| 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 call-up for military or civilian service | |
| Unexpected call-up for military or civilian service | |
| Repeating a failed examination at a school, university, university of applied sciences or college | |
| Repeating a failed examination at a school, university, university of applied sciences or college | |
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
Are there special tariffs for families and young people?
Special tariffs available
For families, we offer an attractive premium in the Travel Standard 365 tariff for CHF 229 and in the Travel Premium 365 tariff for CHF 389. A family is defined as one or two adults and any accompanying children up to their 26th birthday, regardless of their relationship or place of residence, but no more than seven people in total. At least two persons must be insured per family tariff.
When does the insurance cover in the annual insurance begin and end?
One year term with automatic renewal
The insurance cover of the cancellation insurance begins when the insurance policy is sent. The term of one year is automatically extended for another year. However, the insurance can be terminated early with a notice period of 30 days.
Did you know? Key facts about annual travel insurance
Annual travel insurance
Worry-free package
Annual travel insurance at a glance
Be it due to illness, an accident or an emergency involving a member of the family – every year, thousands of Swiss people are forced to put their holiday plans on hold. Particularly if you are forced to cancel a trip at short notice, you can expect to be faced with a hefty bill for cancellation costs corresponding to as much as 100 per cent of the price of the trip. With HanseMerkur’s annual travel insurance, you can prevent falling into this financial trap: we reimburse you for the contractually owed cancellation costs charged by your tour operator or carrier – without any excess on your part. We also contribute to the rebooking costs if, for example, you have to embark on your trip later than planned, or interrupt a trip you have already embarked on.
The safe holiday guarantee: annual travel insurance with the worry-free package
Cancellation insurance allows you to avoid a hefty bill if you need to cancel your trip unexpectedly before departure. Mishaps can soon become expensive when you have reached your destination as well. After all, medical services are a very expensive matter in other countries – particularly in places like the US, Canada, Japan or Australia. Similarly, damaged luggage or a legal dispute can leave a real dent in your travel budget. Our tip: save money with our cost-effective annual travel insurance. The annual policy offers worldwide protection for an unlimited number of trips. The premium annual policy also gives you health insurance for travel abroad with top benefits. Did you know?: annual travel insurance can also be taken out for business travel. In addition, booked leisure events and tickets are covered by ticket protection.
Book annual policy including cancellation cover
Choose from the following range of convenient payment methods when you book:
- Travel Easy 365
- Travel Standard 365
-
RecommendedTravel Premium 365