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What risks are covered under an all-year travel insurance?

Taking out travel insurance should be part of your trip preparations because it allows you to protect yourself against the financial consequences of illness, accidents and natural disasters at little cost. Travel insurance includes cancellation insurance and personal assistance.


Cancellation insurance (example)
Personal assistance (example)
What does the insurance cover? It pays out if, for specific reasons, the policyholder is unable to go on a trip that has already been booked and paid for. It covers the cost of an early return trip as well as recovery or rescue due to risks arising during the trip.
Cover also includes a temporary trip home or additional nights in hotels.
Covered risks
  • Accident
  • Illness
  • Death
  • Natural disasters / epidemics
  • Riots in the country of destination
  • Cancellation of transport (airline or train strike)
  • Job loss shortly before departure
  • Relationship problems or minor ailments are not considered valid reasons.
  • Illness
  • Natural disasters
  • Political unrest
  • Illness or accident of the traveller(s) or a person close to them / their substitute at work (also in case of death)
When should I choose an annual travel insurance policy? It is suitable for insuring holidays in the middle/high price segment.. It is also recommended for trips to problem countries and extreme adventure holidays.
Important! Cancellation insurance for Europe or the whole world should explicitly include Switzerland, too. If you have annual travel insurance, you can go ahead and decline the "compulsory" cancellation expenses insurance offered with your booking. Your basic health insurance covers a maximum of CHF 5,000 for repatriation (transportation costs in case of early return).
Cover also includes the part of the trip that has not yet occurred and possibly even a repeat trip to make up for what was missed. Personal assistance must apply worldwide
and explicitly also for Switzerland. Personal assistance can also be taken out on its own, i.e. without cancellation insurance.


  • Check whether you already have travel insurance (some credit cards also provide trip coverage!).
  • Note: REGA is not an insurance; even as a patron you are not legally entitled to any benefits.
  • If something happens abroad, we recommend contacting your insurer at once. Take the emergency phone number of the 24h helpline and your policy number with you.
  • An all-year travel insurance covers additional risks that are not covered under a short-term travel insurance (e.g. administration fee of travel agency).
  • Usually travel insurance does not include your luggage. While the insurance providers do offer luggage coverage, this is only a supplement and subject to an extra charge. This supplement covers the risks of theft, robbery and damage, along with loss and damage during transportation by a carrier. Lost or forgotten items are excluded. Tip: Take out luggage coverage as a supplement to your home contents insurance policy. This is usually cheaper.
  • If you go on holiday by car, you need breakdown insurance (roadside assistance). This supplement covers breakdown service, towing and return costs as well as additional costs for the continuation of your trip if the car breaks down completely. This cover is usually limited to Europe.
  • For trips to problem countries it may be a good idea to take out international legal protection insurance. Especially in case of an accident with a rental car (which is not covered under personal liability insurance), this helps to dismiss excessive claims or advance the bail money to avoid pre-trial custody. Note: Only a general legal protection insurance policy provides comprehensive coverage.

Important exclusions

The costs of medical treatment abroad are not covered under travel insurance. The "advance" paid for such medical or hospital costs as mentioned in the insurance terms (usually CHF 5,000) must be paid back later on.

For holidays in Europe, the mandatory basic health insurance suffices. Important: You should always carry your "European Health Insurance Card" with you when travelling lest you are required to pay the bill on the spot.

However, mandatory basic insurance and accident insurance (UVG/SUVA) only cover up to double the amount the same treatment would have cost in the policyholder's canton of residence. We therefore recommend taking out a health insurance supplement for overseas trips because treatment in countries outside Europe (e.g. the US, Japan, Australia) can be rather expensive.

Tip: Before your departure, find out from your health insurance provider which benefits are already covered under your existing insurance and what the options for supplemental insurance are.