PostFinance travel insurance

No matter how wonderful and relaxing travel and holidays may be, there are many potential risks and dangers: an illness that prevents you from travelling resulting in high cancellation costs, an emergency situation or natural disaster in your destination country which means you have to cut your holiday short or require repatriation, a vehicle breakdown abroad, a traffic accident in a hire car, the loss of baggage or a legal dispute with your tour operator. PostFinance travel insurance gives you peace of mind as it covers your risk of costs, provides full protection on all travel in Switzerland and abroad and means you can rely on rapid and professional support in an emergency.

Flexible, fair and simple: PostFinance travel insurance provides perfect travel cover for all scenarios. It provides comprehensive and needs-based cover with an attractive price-performance ratio and can be taken out easily online. The insurers PostFinance Reiseversicherung, TAS Versicherungen AG and Assista Rechtsschutz AG are amongst the leading Swiss companies in their sector and have decades of experience in providing assistance and insurance services.

Travel in Switzerland and abroad with a maximum duration of six months is insured. The distance between the place of residence and destination must be over 50 kilometres and the trip must include at least one overnight stay. Travel to countries or regions which the Swiss authorities or the World Health Organization (WHO) advise against visiting is not insured.

PostFinance travel insurance perfectly complements the benefits of your health insurance scheme’s medical cost cover by providing the following insurance options: cancellation costs prior to departure, assistance with vehicle breakdown and accidents, reduced excess for hire cars, medical or personal assistance, assistance in the event of public transport cancellations and delays, luggage insurance and legal protection for travel abroad.

PostFinance travel insurance is an annual policy providing comprehensive cover for all planned and spur-of-the-moment private travel in Switzerland and abroad for an entire year. You don’t have to worry about taking out travel insurance for each trip or stay abroad or other policies during the year. Full-year travel cover is generally worthwhile compared to individual policies if you take two or more short trips a year.

Yes. No matter how you decide to travel – your own car, a motorbike or a hire car – we are here to help you in an emergency.

If your private vehicle cannot be repaired on site in the event of a breakdown or traffic accident in another European country abroad, the additional costs for onward and home-bound travel (including the use of a hire car) will be covered up to CHF 2,000 per event.

PostFinance isn’t an insurance company but instead the marketing partner of TONI Digital Insurance Solutions AG. As an insurer, we have carefully selected and trustworthy partners who are amongst the leading Swiss companies in their sector and possess decades of experience.

• For all services of PostFinance travel insurance except for legal protection: TAS Versicherungen AG. TAS has been providing high-quality assistance and insurance services for travel since 1975 and is today Switzerland’s biggest travel cancellation insurer.
• For legal protection: Assista Rechtsschutz AG. Assista is the leading provider of legal protection insurance for private individuals on the Swiss market.

The insurers mentioned bear the risk and process the claims for PostFinance travel insurance. 

The insurance discount applies to all PostFinance property insurance (car, motorcycle, travel and legal protection insurance) if you have a SmartPlus banking package as an individual (banking packages in the name of several people do not qualify for the discount). It does not apply to property insurance for which Great Lake Insurance SE is involved as the insurer. The discount is granted only once per insurance policy on an annual net premium (excluding taxes, duties, etc.) and is credited to your PostFinance private account within three months. The discount lapses or is not granted if your banking package is changed from Smart to SmartPlus and back within two years and/or if the policy is terminated and a new policy is taken out for the same insurance object.

You can find product information and details on the policies available on the Travel insurance product page. You can also calculate your personal premium on this page.

Yes, if you or a co-traveller contracts an epidemic or pandemic-related illness before departure or are placed under quarantine by order of an authority on specific grounds of suspected infection, this will be deemed an insured event (provided you have taken out the “Pre-travel” coverage option).

Epidemics or pandemics which arise on the travel route or at the travel destination occurring after the booking of the trip and preventing travel or endangering the life of the policyholder are also covered by the insurance.

There’s also insurance coverage if you or a co-traveller fall ill during the trip or are instructed placed under quarantine by order of a public authority due to specific grounds of suspected infection.

Generally imposed quarantine measures by the authorities (e. g. lockdowns) and travel entry restrictions (e. g. mandatory vaccination) are not covered.

When hiring a vehicle, you usually bear a financial risk in the event of a claim, i.e. the excess. This can often only be excluded entirely by taking out expensive additional insurance. You can save yourself this expense because we will pay the excess for you up to a value of CHF 5,000  in the event of a claim.

Personal assistance includes the following support services during travel:

• Medical assistance
• Assumption of costs for emergency medical transport
• Organization and coverage of costs for repatriation to Switzerland
• Advance on costs for inpatient and outpatient treatment
• For extended hospital stays: organization and coverage of costs for visiting related parties
• Support and coordination in search and rescue operations and coverage of the costs involved
• Coverage of additional costs for the stay and onward or home-bound travel if travel documents are stolen
• Refund of return travel costs in the event of strikes, unrest, epidemics or natural disasters

In the event of disputes during travel abroad, we will help you with legal assistance and cover legal fees and court costs up to CHF 100,000 per legal case. You can fully rely on the support of the 80 in-house lawyers at Assista Rechtsschutz  AG. The following legal areas are covered by legal protection for travel abroad: right to compensation, insurance law, contract law and criminal and administrative proceedings.

PostFinance travel insurance’s luggage insurance covers your luggage – such as suitcases and bags – against damage, theft or loss and ensures the replacement of the insured items at their value when new and/or repair costs up to the maximum insured amount selected in the insurance policy minus an excess of CHF 200 per event.

Home contents insurance generally only provides limited insured amounts for theft away from home. PostFinance travel insurance protects against damage and loss of luggage and provides cover against natural disasters and cases of force majeure, which are often not included in home contents insurance. Vehicles and sports equipment are also insured provided they are in the care of a transport or baggage storage provider.