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 

The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper 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 MoneyHelper or by calling them on 0800 138 7777.

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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