Compare travel insurance for Switzerland

Alpine views and winter sports are just two reasons why Switzerland is a popular holiday destination. Whether you’re going with family or friends, it’s important you get travel insurance to give you peace of mind on your trip.

Alpine views and winter sports are just two reasons why Switzerland is a popular holiday destination. Whether you’re going with family or friends, it’s important you get travel insurance to give you peace of mind on your trip.

Josh Daniels
From the Travel team
4
minute read
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Posted 01 FEBRUARY 2021

Why do I need travel insurance for Switzerland?

It’s important to have travel insurance wherever your destination, and Switzerland is no exception. Having cover means you have financial protection against the cost of medical care, theft and other potential losses.

It’s a good idea to take out travel insurance when you book your holiday so that you can claim back the cost if you need to cancel your trip due to unforeseen circumstances, such as illness or bereavement.

If your belongings are stolen, you’ll need to report it to the police to help you make a successful claim. It’s important to check your policy’s single item limit – this is the most you can claim for any one item that is lost or stolen.

If you plan to ski or snowboard in Switzerland then you will need cover for winter sports.

CORONAVIRUS UPDATE

Following the UK’s most recent national restrictions, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

This means that, unfortunately, we’re unable to provide any new single trip price comparisons within or outside the UK, with a start date that falls within the national lockdown. You’re still able to purchase annual multi-trip policies, however, if you choose to travel against FCDO advice and current restrictions, you won’t be covered for your trip.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

On its Money Advice Service website, The Money and Pensions Service (MaPs) has launched a directory of insurance providers who may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

How much is travel insurance for Switzerland?

If you’re visiting Switzerland, European travel insurance could cost from £6.14** for a week or £12.70*** for a multi-trip policy, based on Compare the Market data in November 2020. A multi-trip policy will cover you for more than one trip in a 12-month period.

**Based on a single trip travel policy for a 20 year old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as at November 2020.
***Based on an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling in Europe. Prices correct as at November 2020.

What type of travel insurance do I need when visiting Switzerland?

If you’re travelling to Switzerland then you’ll need European travel insurance as either a single-trip or annual multi-trip policy. A single-trip policy tends to cover you for 30-days and a multi-trip policy will cover more than one trip in a 12-month period. Some providers may offer an extended single trip policy if you plan to stay for a longer period than 30 days. Alternatively, you may need to consider backpackers insurance.

If you’re travelling as a group, with up to 10 people, then you can get a group travel insurance policy or a family policy. If you buy a family travel policy, your children may be covered at no extra cost by some providers. You’ll still need to provide details of everyone who is travelling.

If you’re taking part in any winter sports, such as snowboarding or ski-ing then you’ll need a winter sports travel insurance policy, which will offer more comprehensive cover than a standard policy. With winter sports insurance you’ll have cover for:

  • loss of ski pass
  • avalanche delay
  • piste closure for more than 24 hours
  • personal liability should you injure someone else.

Check your policy to see what winter sports activities are covered as it varies between providers.

What else do I need to know when travelling to Switzerland?

Visa: if you’re a British citizen with a valid passport, then you won’t need a visa to travel to Switzerland.

Currency: the Swiss Franc is the national currency in Switzerland

Language: Switzerland has four national languages: German, French, Italian and Romansh. What language you hear will depend on which border you’re closest to. For example, if you’re visiting the west Switzerland, you’ll hear more French. When you’re closer to the southern border, you’ll hear more Italian.

Transport: if you plan to travel around Switzerland by train, consider getting a Swiss Rail pass, which can be more cost effective then getting individual tickets.

EHIC/GHIC: A European Health Insurance Card (EHIC) gives you access to state-provided healthcare that may be necessary while you’re on holiday on the same terms as a local. However, it’s not a replacement for travel insurance and it won’t cover you for treatment at a private hospital.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

If you need medical attention, go to a state medical facility first and tell your insurance provider. They will give you advice on what additional private treatment might be covered by your policy.

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