As a rule, travel insurance is always worthwhile if you travel a lot – whether abroad or in Switzerland. Cancellation insurance is particularly useful if you go on one or two expensive trips a year. Depending on the provider, you could otherwise end up having to pay any cancellation costs yourself. But you can also benefit from cancellation cover if you regularly attend concerts in Switzerland: tickets for events are also covered. Make sure to take out the travel cancellation insurance before the insured event takes place. 

Travel insurance applies as of the start date specified in your policy. Trips that you have booked before this date are insured. However, you must have taken out the travel cancellation insurance module before the insured event, for example illness, occurs. If you are already ill and it is clear that you cannot travel as planned the next day, it is too late to take out travel insurance. In this case, the cancellation costs for your trip will not be covered.

Individual insurance: The policy covers minors not living in the same household, including godchildren. The minors are travelling with you and without their parents. You are responsible for the minors during the trip.

Family insurance: The policy covers children, provided they live in the same household, and minors who do not live in the same household, for example godchildren. If your children have already left home, they can only be included in the family insurance up to the age of 25.

It may indeed be the case that you already have a certain level of travel insurance coverage offered by your credit card or travel operator. However, coverage often varies, as does the scope of the insurance. For example, some credit card companies require you to pay for travel with their credit card in order for your trip to be covered. It is essential to check what coverage you really have and whether you already have multiple insurance policies. 

Yes, Covid is an illness, so it is covered like any other illness. This also applies to all other illnesses caused by a pandemic or epidemic. We cover cancellation costs, but only if you were fit to travel when you booked the trip.

If you have purchased personal assistance, your travel insurance also covers any quarantine costs resulting from an illness. We will cover the costs of all required treatment and measures. This includes costs for extending a trip, repatriation or accompanying minors back to their home.

Please note: This coverage applies to illnesses. It does not, for example, cover the following travel cancellation scenarios: 

• Entry bans
• Health measures required to enter a country, such as vaccination requirements
• Requirement to quarantine when not ill

If you have to go into quarantine because you have Covid, we will pay the additional costs for extending your trip, provided you have purchased the personal assistance insurance as a basic module.

However, if you are not ill but still have to go into quarantine, we will not pay the additional costs. This is because in that case, the quarantine is the result of an official order, which is not covered by the insurance.

Depending on which health insurance coverage you have, your protection abroad could be sufficient – but it may not. Generali’s personal assistance makes sure you get treatment where you are staying if you need it and that you can return safely to Switzerland without having to pay expensive treatment costs. 

However, it is important that you have health insurance from a Swiss health insurance company in Switzerland. Our personal assistance is not a replacement for this type of insurance. Our personal assistance insurance provides coverage for things not covered by your regular health and accident insurance. 

You will be covered in all areas where the International Insurance Card is valid. 

The insurance for your baggage covers the replacement cost at the time of the loss. In addition, we cover the costs for urgently needed replacement purchases if your luggage is delayed.