All types of insurance (single trip insurance or annual travel insurance) can be taken out at any time. We recommend that you take out an insurance as soon as possible so that you can benefit from the travel cancellation services immediately.
Please note: pre-existing illnesses or accidents are not insured.
Frequently asked questions and answers
Questions before taking out the insurance cover
Formal terms and conditions of insurance
Yes. Annual insurances must be cancelled by the insured person 1 month before expiry. The notice of termination must be submitted via our customer portal, by e-mail or by post. Cancellations by telephone cannot be considered. Without cancellation, the insurance will continue automatically for one year.
Cancellations can be submitted via our customer portal, by e-mail or by post, subject to a three-month notice period. We will then confirm your cancellation in writing. Cancellations by telephone cannot be considered.
Yes. Insurance can be taken out for a single trip (e.g. Secure Single Trip) provided that the trip is booked in Switzerland.
This does not apply to annual travel insurance (Secure Travel) and cancellation insurance for courses (Secure Course). These may only be sold to persons who are also resident in Switzerland.
Our insurance policies apply worldwide, including in Switzerland and the Principality of Liechtenstein, with the exception of our Schengen travel insurance (Health care costs for visitors), which is valid throughout the Schengen area except in the country of residence of the insured person. Residents of the Schengen Area are not entitled to Schengen travel insurance. This applies exclusively to persons who are not resident in the European Schengen Area and require insurance cover for their entry visa.
Product-specific terms and conditions of insurance
Yes, Allianz Travel offers "Travel cancellation insurance" only. This travel insurance exclusively covers the costs of cancelling your booked travel arrangements, be it a stay in a holiday flat, a hotel arrangement or even just a flight ticket.
Are you planning to take part in a training or further education course? Then our "Course cancellation insurance" only is the perfect solution. This insurance will reimburse you for the cancellation costs if you are unable to attend the course.
With Secure Travel Plus annual travel insurance, the cover for individuals is CHF 1'000 and for family insurance CHF 1'500.
With Secure Travel Complete, the cover for individuals is CHF 3'000 and for family insurance CHF 5'000.
With Secure Single Trip Plus travel insurance, the cover is CHF 1'000.
With Secure Single Trip Complete, the cover is CHF 3'000.
The luggage cover in each insurance policy includes an excess of CHF 200 in the event of theft.
Yes. Mobile phones, computers, laptops and tablets are insured.
Yes. It can be extended a maximum of twice, as long as the total duration is no more than 90 days and there have not been any previous insured events.
Secure Travel Basic:
- Individuals CHF 2'500
- Family CHF 5'000
Secure Travel Plus:
- Individuals CHF 10'000
- Family CHF 20'000
Secure Travel Complete:
- Individuals CHF 50'000
- Family CHF 100'000
The total costs are the total costs of all cancellable events during the trip to be insured. This includes, among other things, the costs for flight, accommodation and any activities booked in connection with your trip (travel packages and individual bookings cumulated). For a booked travel package, the total costs correspond to the package price.
In this case, we recommend that you either take out an annual travel insurance policy or increase the sum of the arrangement costs by an appropriate, estimated amount.
With the help of the Postfinance currency calculator you can quickly and easily determine your arrangement price in CHF.
Yes. Illness due to an epidemic or pandemic disease, such as COVID-19, also applies to family members who are not travelling with you. The insurance cover applies exclusively to all short-term travel insurance policies (Secure Single Trip) and annual travel insurance policies (Secure Trip).
How and where can I report it? Simply submit your claim along with all necessary documents through our online claims submission.
Personenbezogene Versicherungsbedingungen
Babies can usually travel for free, so individual cancellation insurance is not required. Our travel insurance policies for families automatically apply to the whole family living in the same household and minors not living in the same household. However, if you take out a short-term travel insurance policy, it is important to provide information about your baby before taking out the insurance. This will protect you if you have to return from your holiday to Switzerland due to your baby's health.
Family members include spouse, the following relatives of your spouse (mother, father, son, daughter, brother, sister, and grandparent), Parents and stepparents, Children, Siblings, Grandparents and grandchildren, aunts, uncles, nieces, nephews, cohabitants, legal guardians and wards as well as au-pairs.
Yes, for Schengen travel insurance (health care for visitors) the age limit is 81 years, otherwise Allianz Travel products have no limits in terms of age. If the policyholder has not yet reached the age of 18, the insurance must be taken out by an adult (e.g. parent). The underage person must be declared as the "insured person".
Yes, it includes all persons living in the same household and their minor children not living in the same household, provided they travel with an insured person and have their permanent residence in Switzerland.
Questions about claims
You have the option to report your claim directly through our online claims portal. Please note that you will need your policy number to register. We also recommend having all relevant documents, reports, etc. ready in electronic form (PDF format) for claim submission.
Additionally, you also have the option to submit the appropriate claim form and the listed documents for your claim via email. For any questions, our Service Centre is happy to assist you by phone at +41 44 283 32 22.
Claims are assessed individually by qualified staff members. The processing time may vary depending on the claim and amount of information. If you submit complete documents, you will help us to reduce the time taken to process your claim.
Allianz Travel only pays the contractually owed cancellation charges. Any difference may be paid to you by the travel agent. The insurance premiums are not refunded.
We request that you cancel the trip as quickly as possible with your booking agent and report the case to us in writing by e-mail.
To make use of the service, our emergency call centre must be informed by telephone on +41 44 202 00 00 as soon as an event has occurred. Our staff are available to support and advise you around the clock.
Please report the theft to the nearest police station immediately. You can submit the police report and all associated and damage-related documents to us via our online claims portal.
The people listed in the insurance policy. For family insurance, this is everyone living in the same household and minors not living in the same household.
Claims expire five years after the event has occurred. You must assert your claim to us in writing within this period.
In order for the claim to be reassessed, the insured person must send the member of staff handling the claim a written request for it to be reconsidered, including new facts, together with the Allianz Travel reference number. The insured person can also ask the private insurance ombudsman for a neutral assessment of the claim. Ombudsman for private insurance and Suva you will find under insuranceombudsman.ch.
Insurance glossary A-Z
In the world of insurance you will come across numerous specialist terms. The following glossary therefore sets out to explain some of the key concepts. If any points still remain unclear, please contact our service centre on +41 44 283 32 22 for more information.
If you experience a serious illness, a serious injury or a serious medical condition during the trip and need to be hospitalised outside your country of residence, we will make an advance payment of up to CHF 5'000 towards hospital costs where necessary. We must be reimbursed for the advance payment within 30 days of leaving the hospital.
We will advise you in relation to minor medical and everyday problems during the trip.
The scope of validity encompasses those countries in which insurance cover is provided.
Assistance is a service that provides the insured person with immediate, direct assistance in the event of a claim or an emergency. Basically, the purpose of assistance is to arrange or provide on-the-spot emergency assistance around the clock.
CDW (Collision Damage Waiver) is excess exclusion insurance for hired vehicles. CDW insurance bears the cost of the excess charged to the vehicle hirer or another insurance policy if a hired vehicle is damaged or stolen. This benefit is included with the following products:
Collision damage waiver for rental vehicles (CDW)
Annual travel insurance for individuals
All claims must be reported without delay. The insured person must report the claim to the insurance company in writing using the appropriate claim form and attaching all relevant documents. Original copies must be submitted.
If the premium is not paid despite a reminder, insurance cover is suspended. The insurance does not come back into force until the premium is paid. If damage occurs during the interruption, it will not be paid for by the insurance.
The excess is the contractually agreed amount policyholders are required to pay out of their own pocket if an insured event occurs. However, many of the products we offer give you the option of excluding this excess (e.g. our Secure Trip Classic, Premium and Premium PLUS).
If you need care from a medical facility while you are travelling, we can assist you in finding one. In the event of communication problems, we will provide translation support.
The General terms and conditions of insurance (GTC) form the basis of the insurance contract and govern the contractual relationship between the insurance company and the policyholder. They set out the insured risks and benefits, along with the rights and obligations of both parties to the contract.
The period of time for which the insurance is valid.
An insured event is an event that gives rise to a claim covered by the insurance policy. The occurrence of an insured event is therefore a precondition for the provision of benefits by the insurance company.
All policyholders aged under 26 are classed as "junior". If the policyholder has not yet reached the age of 18, the insurance must be taken out by an adult (e.g. parent). The minor must be declared as "insured person".
In the event of health problems while staying abroad, the insured persons have access to a 24–hour professional information and advice service.
Medical expenses are incurred if a foreign visitor falls ill or has an accident whilst in Switzerland. These include the costs of doctors, hospital treatment, medication, repatriation to the visitor’s home country, search and rescue costs, and repatriation in the event of death.
A policy is an insurance document containing the most important information on the insurance taken out. It provides proof that insurance has been taken out, but is not a precondition for the validity of the insurance.
The policyholder is the person who has taken out an insurance policy. Cover is provided for the persons listed by name in the policy or in the tour operator’s travel confirmation document, or for the categories of persons defined in the policy. The precondition for such cover is that the premium has been paid for these persons and/or for this group of people.
The premium is the price the policyholder pays the insurance company in return for the insurance cover.
This covers all costs incurred where the insured person has been declared missing abroad or needs to be rescued from a physical emergency situation (e.g. deployment of rescue services, search dogs, helicopters etc.).
The sum insured is the amount paid by the insurer in the event of a claim by the policyholder. A detailed description of the insured risks defines the damage and events which are covered and the amount up to which they are insured.
Suspension of cover If you fail to pay your premium even though you have been issued with a reminder, your insurance cover will be suspended and will only be reinstated once the premium has been paid. If a loss occurs while cover is suspended, the policy will not pay out.
Allianz Travel Switzerland (formerly Allianz Global Assistance and ELVIA) is part of the Allianz Partners Group, one of the world’s leading providers of travel cancellation insurance as well as travel protection and assistance services. The Allianz Partners Group supports its customers around the globe with more than 22'600 employees across five continents and a network of over 900'000 specialists, available 24/7, 365 days a year. Allianz Travel offers individual travellers insurance for couples or families, and assistance solutions that are tailor-made to your personal requirements. Annual travel insurances are comprehensive plans and offer immediate help in case of emergency. Decades of experience in providing insurance cover and assistance services from a single source are among the company’s greatest strengths. That is why our customers place their trust in our expertise and immediate support.
Swiss 24-hour emergency call centre friendly and professional. Telemedical consultations and medical assistance around the clock worldwide in the event of illness or accident. Trip cancellation insurance unbureaucratic and customer-oriented. Accident and breakdown assistance in Switzerland and throughout Europe. High sums insured including assumption of health care costs abroad up to CHF 1 million. Travel baggage coverage including cover for cameras, laptops and sports equipment. Travel insurance from Allianz Travel protects you against the consequences of unplanned events and ensures that you can enjoy your holiday carefree.