Travel Insurance Switzerland

Switzerland, with its snow-covered Alps, scenic train routes, and lakeside towns, is a top destination for travelers seeking both tranquility and adventure. Whether you're planning to ski in the Swiss Alps, explore the four official languages of its charming cities, or enjoy public transportation through mountain villages, preparing for the unexpected is part of a smart travel plan. Travel insurance for Switzerland can help support your well-being abroad by offering coverage for medical expenses, trip delays, and other covered reasons. Before you finalize your travel plans, it’s helpful to understand how travel insurance can support your journey across this breathtaking country. 

1. What Should Your Travel Insurance Cover for a Trip to Switzerland?  
2. How Does Travel Insurance for Switzerland Work? 
3. Do I Need Travel Insurance for the Switzerland?  
4. How Much Does a Travel Protection Plan Cost for Switzerland?  
5. Our Suggested AXA Travel Protection Plans 
6. What Types of Medical Coverage Do AXA Travel Protection Plans Offer? 
7. Are There Any COVID-19 Restrictions for Travelers to Switzerland? 
8. Traveling With Pre-existing Medical Conditions 

What Should Your Travel Insurance Cover for a Trip to Switzerland?

Travel insurance for Switzerland can support your journey by addressing potential disruptions, from canceled trips to unexpected medical emergencies. The U.S. Department of State highlights important features travelers should look for when evaluating travel insurance plans. 

AXA Travel Protection plans are designed with these considerations in mind, offering coverage options that align with the needs of travelers heading abroad. 

• Medical Coverage – The priority is making sure your health is in order. With AXA's Travel Medical Insurance, you can have access to medical coverage and quality healthcare during your trip overseas in the event of unexpected medical emergencies.   

• Trip Cancellation & Interruptions – Unexpected trip cancellation can dampen the mood. AXA Travel Insurance offers coverage against unforeseen events.  

• Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Insurance offers provisions for emergency evacuation and repatriation.  

• Coverage for Personal Belongings – AXA Travel Insurance offers coverage for your belongings with assistance against lost or delayed baggage. 

• Optional Cancel for Any Reason – For added flexibility, AXA Travel Insurance offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons. This feature is exclusive to AXA Platinum Plan holders.  

In a few seconds, you can get a free quote for travel insurance for Switzerland. 

How Does Travel Insurance for Switzerland Work? 

Consider this scenario: you are exploring the beautiful scenic beauty of the Swiss Alps when sudden adverse weather derails your travel plans, leading to delays in public transportation or even a canceled trip. Travel insurance for Switzerland works by covering unexpected events that might occur before or during your trip abroad.

It may help with reimbursement for medical expenses, trip delays, and treatment costs caused by a medical emergency or an existing medical condition. 

Switzerland travel insurance goes beyond basic reimbursement. It can assist with travel medical insurance features such as medical evacuation or access to emergency medical care, ensuring you receive appropriate medical coverage or are relocated to a safer area if needed. This type of support is particularly important in mountainous terrain or when engaging in winter sports, where medical costs can rise quickly and are typically paid in Swiss francs. 

Here’s how travelers can benefit from an AXA Travel Protection Plan: 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for emergency medical expenses, including hospital stays and doctor's fees.  

• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for emergency evacuation and repatriation to the nearest appropriate medical facility.  

• Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover non-emergency evacuation or repatriation, subject to policy terms.  

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you opt for trip cancellation due to a covered reason, such as sudden illness or injury. 

• COVID-19 Travel Insurance: COVID-19 Travel Insurance coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions.  

• Trip Delay: If you faces trip delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations.  

• Missed Connection: If you miss a connecting flight due to delays or cancellations, this missed connection coverage may help with expenses like rebooking fees and accommodations. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries under the baggage delay insurance.  

• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value under the lost or stolen luggage coverage, assisting you in replacing your belongings.  

Additional Travel Benefits  

• Lost Skier Days: Exclusive to Platinum plan policy holders, this benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures.  

• Lost Golf Days: Exclusive to Platinum plan policy holders, this benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.  

Optional Travel Benefits  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft.  

• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy.  
   

Do I Need Travel Insurance for Switzerland? 

Travel insurance is not mandatory for Americans traveling to Switzerland for stays up to 90 days, unless you need a Schengen visa. US citizens can enter Switzerland visa-free as part of the Schengen Area. However, if you require a Schengen visa, due to the length of stay or your nationality, Schengen travel insurance is mandatory, including a minimum of €30,000 in medical coverage, emergency medical evacuation, and validity for the entire stay. 

Even without this requirement, it’s still strongly recommended to buy travel insurance before your Swiss trip.  

Why? There are several reasons: 

1. Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care. 
2. Lost Baggage: Transport issues, theft, or delays in baggage handling can disrupt your travel plans. A comprehensive travel insurance plan may offer reimbursement for essential items, helping you stay prepared in hotels or ski resorts. 
3. Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.  
    

How Much Does a Travel Protection Plan Cost for Switzerland? 

In general, Switzerland travel medical insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

• Total Trip Cost – This includes all prepaid, non-refundable travel expenses such as flights, hotels, guided tours, and other travel services. When calculating your travel insurance plan cost, include expenses like train tickets, ski resort bookings, or excursions around charming cities to ensure coverage reflects the full scope of your travel plans. 

• Traveler Age – Older travelers may face higher plan costs due to increased risks of a medical condition or medical emergency. While age affects pricing, AXA offers flexible insurance plans that may include medical coverage for travelers with various health insurance needs. 

AXA Travel Protection offers four plan tiers: Bronze, Silver, Gold, and Platinum. Each provides varying levels of coverage to cater to individuals' preferences and travel needs.  

Our Suggested AXA Travel Protection Plans  

AXA Travel Insurance offers four travel protection plans, Bronze, Silver, Gold, and Platinum, each designed to provide varying levels of travel insurance coverage to meet different travel needs. These plans can be especially valuable for US passport holders, as hospitals in Switzerland often do not accept domestic health insurance plans or Medicare. Travel medical insurance can help cover emergency medical care, medical expenses, and treatment costs while you're abroad. 

Switzerland travel insurance is particularly important due to the high cost of medical care in Swiss francs and the potential for medical emergencies during activities like skiing in the Swiss Alps or exploring mountainous terrain. Whether you're traveling for leisure, adventure, or winter sports, having medical coverage that includes medical evacuation and emergency services can support your well-being throughout your entire stay in Switzerland. 

Note: The Platinum Plan includes Lost Ski Day coverage, a valuable feature for travelers planning to visit Switzerland’s ski resorts. This benefit may offer reimbursement if prepaid ski passes become unusable due to slope closures from adverse weather or other covered reasons. This is especially helpful for travelers who plan to enjoy Switzerland's renowned ski slopes and want coverage for unexpected disruptions. 
 

What Types of Medical Coverage Does AXA Travel Protection Plans Offer? 

AXA’s travel insurance policies typically include two main types of medical expenses cover. 

Emergency Medical: Can cover medical expenses, hospital stays, and even emergency evacuations, covering the expenses of hefty bills and ensuring access to quality healthcare while away from home. 

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.  

Are There Any COVID-19 Restrictions for Travelers to Switzerland? 

As of now, Switzerland does not enforce any COVID-19-related entry restrictions for US nationals or other international travelers. This means there is no requirement to present proof of vaccination, a negative test result, or recovery documentation upon arrival. While these rules may ease travel plans, it's important to stay updated with official travel documents and entry guidelines, especially when planning a trip abroad. 

Travelers are encouraged to carry up-to-date information and review local health policies, as regulations can change. Including COVID-19 coverage in your travel insurance for Switzerland may help if unforeseen health-related disruptions occur during your stay. 
 

Traveling With Preexisting Medical Conditions 

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. 

Our Gold and Platinum Plans offer coverage for preexisting medical conditions. 
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons. What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to make sure you travel with ease, no matter your health situation. 
 

FAQs 

 1. Can you get travel insurance after booking a flight? 

You can get travel insurance even after your flight is booked. 

2. When should I get Travel Insurance to Switzerland? 

It's advisable to get  travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) 
 
AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. 
 
Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit. 

3. Do Americans need travel insurance in Switzerland? 

Travel insurance is not mandatory for American citizens visiting Switzerland for up to 90 days, as part of the Schengen Area. However, having travel insurance for Switzerland can help cover medical expenses, canceled trip costs, and risks like petty crimes or delays in public transportation during your entire duration abroad. 

4. What is needed to visit Switzerland from the USA? 

Upon entry into Switzerland, individuals with US passports must possess the following travel documents: a valid US passport issued within the last decade, with a validity of at least three months beyond departure from Switzerland, and a minimum of two blank pages. Additionally, proof of a return ticket is required. 

5. What happens if a tourist gets sick in Switzerland? 

If you become sick in Switzerland, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.