Example price per year in the Travel Easy 365 tariff
Quotation hotline Mon. to Fri. 8 a.m. - 6 p.m.
service@hansemerkur.ch
Travel 365 annual insurance – Enjoy a carefree holiday
Your advantages
Plan and enjoy the best weeks of the year with peace of mind: ‘Travel 365’ annual travel insurance reimburses cancellation costs if you are unable to travel due to illness. In addition, our annual travel insurance provides comprehensive cover while travelling. With trip interruption and baggage insurance as well as personal assistance, you and your family members are well protected anywhere in the world. Our tip: opt for annual cover at the premium rate and you will also receive international health and travel legal protection insurance at top conditions.
For as many trips as you like per year
Incl. ticket protection & best price guarantee
All important travel insurance in one package
24-hour travel emergency call
Tariff overview - Calculate premium
Choose from the following range of convenient payment methods when you book:
- Travel Easy 365
- Travel Standard 365
-
RecommendationTravel Premium 365
Travel Easy 365
- Applicable
Cancellation insurance
- Applicable
Trip interruption insurance
- Applicable
Personal assistance
- Applicable
Best price guarantee
- Applicable
Ticket protection
- For trips up to 365 days
- No deductible
- Unlimited number of trips
CHF
85
(annual premium, single person)
Calculate premiumTravel Standard 365
- ApplicableCancellation insurance
- ApplicableTrip interruption insurance
- ApplicablePersonal assistance
- ApplicableLuggage insurance
- Applicable
Best price guarantee
- Applicable
Ticket protection
- For trips up to 365 days
- No deductible
- Unlimited number of trips
CHF
149
(annual premium, single person)
Calculate premiumRecommendation
Travel Premium 365
- Applicable
Cancellation insurance
- Applicable
Trip interruption insurance
- Applicable
Personal assistance
- Applicable
Luggage insurance
- Applicable
Travel health insurance
- Applicable
Legal protection insurance
- Applicable
Best price guarantee
- Applicable
Ticket protection
- For trips up to 365 days
- No deductible
- Unlimited number of trips
CHF
239
(annual premium, single person)
Calculate premiumThe most important benefits – at a glance
| What's covered | |
|---|---|
| For non-commencement of the trip | |
| For non-commencement of the trip | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement for the contractually required cancellation costs | Applicable |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | Applicable |
| If the trip booking is changed | |
| If the trip booking is changed | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| Reimbursement of the cost of changing bookings due to an insured reason | Applicable |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | up to CHF 30 per person |
| In the event of a delayed start to the journey | |
| In the event of a delayed start to the journey | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Reimbursement of additional travel expenses and costs for unused travel services | Applicable |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | Applicable |
| Immunisation intolerance | |
| Immunisation intolerance | Applicable |
| Breakage of prostheses | |
| Breakage of prostheses | Applicable |
| Loosening of implanted joints | |
| Loosening of implanted joints | Applicable |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | Applicable |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | Applicable |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | Applicable |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | Applicable |
| Change of workplace | |
| Change of workplace | Applicable |
| Cyclical short-time work | |
| Cyclical short-time work | Applicable |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | Applicable |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | Applicable |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | Applicable |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | Applicable |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | Applicable |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | Applicable |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | Applicable |
| Adoption of a minor child | |
| Adoption of a minor child | Applicable |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | Applicable |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | Applicable |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | Applicable |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | Applicable |
| Sport disability | |
| Sport disability | Applicable |
| What's covered | |
|---|---|
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | Applicable |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | Applicable |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| If your return trip is delayed: Reimbursement of additional travel costs | Applicable |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | Applicable |
| Immunisation intolerance | |
| Immunisation intolerance | Applicable |
| Breakage of prostheses | |
| Breakage of prostheses | Applicable |
| Loosening of implanted joints | |
| Loosening of implanted joints | Applicable |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | Applicable |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | Applicable |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | Applicable |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | Applicable |
| Change of workplace | |
| Change of workplace | Applicable |
| Cyclical short-time work | |
| Cyclical short-time work | Applicable |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | Applicable |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | Applicable |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | Applicable |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | Applicable |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | Applicable |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | Applicable |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | Applicable |
| Adoption of a minor child | |
| Adoption of a minor child | Applicable |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | Applicable |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | Applicable |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | Applicable |
| Sport disability | |
| Sport disability | Applicable |
| Illness, accident or death of dog, cat or horse | |
| Illness, accident or death of dog, cat or horse | Applicable |
| What's covered | |
|---|---|
| Medically indicated repatriation | |
| Medically indicated repatriation | Applicable |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | Applicable |
| Procurement and dispatch of lost medically prescribed medication | |
| Procurement and dispatch of lost medically prescribed medication | Applicable |
| Care for minor children if they have to continue the trip on their own | |
| Care for minor children if they have to continue the trip on their own | Applicable |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | Applicable |
| Baggage collection | |
| Baggage collection | up to CHF 2'500 |
| Search, rescue and recovery costs | |
| Search, rescue and recovery costs | up to CHF 30'000 |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | Applicable |
| Repair costs and assistance in the event of a bicycle breakdown or accident | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | up to CHF 75 |
| SOS message for travellers (if the insured cannot be reached) | |
| SOS message for travellers (if the insured cannot be reached) | Applicable |
| Provision of craftsmen in the event of damage at home | |
| Provision of craftsmen in the event of damage at home | Applicable |
| What's covered | Travel | Travel Premium |
|---|---|---|
| Maximum sum insured | ||
| Maximum sum insured | CHF 1'000 for individuals / CHF 2‘000 for families | CHF 2‘000 for individuals / CHF 4‘000 for families |
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | Applicable | Applicable |
| Loss, damage or late delivery by a transport company | ||
| Loss, damage or late delivery by a transport company | Applicable | Applicable |
| Damage to luggage given in foreign custody | ||
| Damage to luggage given in foreign custody | Applicable | Applicable |
| Costs for necessary replacement purchases if luggage is not delivered on the same day | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | CHF 250 for individuals / CHF 500 for families | CHF 250 for individuals / CHF 500 for families |
| Replacement of ID cards and visas | ||
| Replacement of ID cards and visas | CHF 200 | CHF 200 |
| What's covered | |
|---|---|
| In-patient treatment in the hospital including operations that cannot be postponed | |
| In-patient treatment in the hospital including operations that cannot be postponed | Applicable |
| Outpatient treatment | |
| Outpatient treatment | Applicable |
| Medicines, remedies and bandages as well as aids as a result of an accident | |
| Medicines, remedies and bandages as well as aids as a result of an accident | Applicable |
| Pain relieving conservative dental treatments | |
| Pain relieving conservative dental treatments | Applicable |
| Medical treatment of pregnancy complications | |
| Medical treatment of pregnancy complications | Applicable |
| Radiation, light and other physical treatments | |
| Radiation, light and other physical treatments | Applicable |
| Accommodation of an accompanying person in the hospital with sick children | |
| Accommodation of an accompanying person in the hospital with sick children | Applicable |
| Insurance protection in the event of inability to transport beyond the end of the insurance period | |
| Insurance protection in the event of inability to transport beyond the end of the insurance period | Applicable |
| What's covered | |
|---|---|
| Compensation, criminal charges and victim assistance | |
| Compensation, criminal charges and victim assistance | Applicable |
| Protection in the event of ID withdrawal | |
| Protection in the event of ID withdrawal | Applicable |
| Contract law, e.g. legal disputes when renting or repairing a motor vehicle abroad | |
| Contract law, e.g. legal disputes when renting or repairing a motor vehicle abroad | Applicable |
| Patient rights | |
| Patient rights | Applicable |
| Property law | |
| Property law | Applicable |
| Legal disputes with an insurance company, health insurance company or pension fund | |
| Legal disputes with an insurance company, health insurance company or pension fund | Applicable |
| What's covered | |
|---|---|
| Receive the price difference between the travel price and the competitor's offer after your return. | |
| Receive the price difference between the travel price and the competitor's offer after your return. | Applicable |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | Applicable |
| Maximum sum insured | |
| Maximum sum insured | 20 % of the insured travel price |
| What's covered | |
|---|---|
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Maximum sum insured | |
| Maximum sum insured | CHF 1000 |
| Insured events | |
| Insured events | |
| Unexpected serious illness, serious accident, pregnancy complications or death | |
| Unexpected serious illness, serious accident, pregnancy complications or death | Applicable |
| Vaccine intolerance (also COVID-19) | |
| Vaccine intolerance (also COVID-19) | Applicable |
| Breakage of prostheses | |
| Breakage of prostheses | Applicable |
| Loosened implanted joints | |
| Loosened implanted joints | Applicable |
| Pregnancy | |
| Pregnancy | Applicable |
| Damage to property (amount of damage at least CHF 2'500) | |
| Damage to property (amount of damage at least CHF 2'500) | Applicable |
| Delays to public transport of at least two hours | |
| Delays to public transport of at least two hours | Applicable |
| Change of workplace | |
| Change of workplace | Applicable |
| Loss of employment as a result of termination by the employer | |
| Loss of employment as a result of termination by the employer | Applicable |
| Inability to drive the private vehicle due to accident or breakdown | |
| Inability to drive the private vehicle due to accident or breakdown | Applicable |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | Applicable |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | Applicable |
| Adoption of a minor child | |
| Adoption of a minor child | Applicable |
| Unexpected call-up for military or civilian service | |
| Unexpected call-up for military or civilian service | Applicable |
| Repeating a failed examination at a school, university, university of applied sciences or college | |
| Repeating a failed examination at a school, university, university of applied sciences or college | Applicable |
Questions and answers
Our Swiss emergency call centre is available 24 hours a day, 365 days a year to support you in the event of an emergency during your trip. The experts provide you with advice on aspects such as choosing doctors or hospitals, or can organise repatriation. If an emergency happens during your trip, call: +41 43 550 21 21
For families, we offer an attractive premium in the Travel Standard 365 tariff for CHF 229 and in the Travel Premium 365 tariff for CHF 389. A family is defined as one or two adults and any accompanying children up to their 26th birthday, regardless of their relationship or place of residence, but no more than seven people in total. At least two persons must be insured per family tariff.
The insurance cover of the cancellation insurance begins when the insurance policy is sent. The term of one year is automatically extended for another year. However, the insurance can be terminated early with a notice period of 30 days.
Important documents to download
Take out annual insurance directly
Choose from the following range of convenient payment methods when you book:
- Travel Easy 365
- Travel Standard 365
-
RecommendationTravel Premium 365