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    Who we are

    Find out everything about HanseMerkur International AG – your top-quality travel insurer in Switzerland.

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  • Travel 365 – Annual travel insurance

Travel 365 – Annual multi-trip travel insurance

Jahres­rei­se­ver­si­che­rung

Travel 365

  • Cancellation/trip interruption
  • Medical expenses
  • Personal assistance
  • Luggage insurance
  • Legal expenses
  • Breakdown assistance
Calculate premium
From CHF
79.-*
Quick access
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  • Tariff overview
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The advantages for you

Plan and enjoy the best few weeks of the year worry-free: the Travel 365 annual travel insurance policy reimburses the cancellation costs if you are unable to travel due to illness. Our annual travel insurance also provides you with comprehensive cover during your trip. Including trip interruption and luggage insurance, as well as personal assistance, it ensures that you and your family members are well protected no matter where you are in the world. Our tip: Opt for our premium rate annual cover and also receive health insurance for travel abroad and legal expenses travel insurance at top conditions.

  • A package containing all of the most important travel insurance components
  • Unlimited number of trips per year 
  • No excess
* Sample premium per year, up to the 29th birthday

Tariff overview

Travel 365
Recommended
Travel Premium 365
Cancellation insurance 
Cancel­la­tion insurance:

Reimbursement in the event of travel cancellation, rebooking, no or delayed travel and delayed departure.

Trip interruption insurance 
Trip inter­rup­tion insurance:

Reimbursement of costs if you need to cancel, interrupt or extend the trip.

Personal assistance 
Personal assis­tance:

Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment.

Luggage insurance 
Luggage insurance:

Replacement for damaged, lost or late baggage.

Breakdown assistance 
Break­down assis­tance:

Organization and assumption of costs for breakdown assistance/towing/recovery in the event of a car breakdown or an accident

Travel health insurance 
Travel health insurance:

Cost sharing for medically necessary healing measures in the event of unexpected illnesses or accidents of the insured person while traveling abroad.

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Legal protection insurance 
Legal protection insurance:

Cost sharing in legal matters as a result of an accident or a rental dispute by our partner "Orion Rechtsschutz-Versicherung AG".

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Types of travel
Air, rail, bus, ship, independent travel by carAir, rail, bus, ship, independent travel by car
Scope­ of cover
GloballyGlobally
Maximum trip duration
365 days365 days
Policy­ to be taken out
When or after you book­ the trip (Insurance protection begins with payment of the premium)When or after you book­ the trip (Insurance protection begins with payment of the premium)
Max. refund (Cancellation and trip interruption insurance)
CHF 25'000/ person or CHF 50'000/ family per yearCHF 50'000/ person or CHF 100'000/ family per year
Excess
No excessNo excess
Number of trips
for any number of trips within one yearfor any number of trips within one year
Price overview
Download PDFDownload PDF

Sample price for travel insurance

from CHF 79

(up to the 29th birthday)

from CHF 139

(up to the 29th birthday)
 Calculate premium Calculate premium

At a glance – The most important benefits

Cancellation insurance
Cancellation insurance
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
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
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
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 specifiedup 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
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)
Immunisation intolerance
Immunisation intolerance
Breakage of prostheses
Breakage of prostheses
Loosening of implanted joints
Loosening of implanted joints
Pregnancy if this occurred after the insurance was taken out
Pregnancy if this occurred after the insurance was taken out
Chronic illness, in the event of an unexpected acute exacerbation
Chronic illness, in the event of an unexpected acute exacerbation
Substantial damage (from CHF 2'500) to the insured person's property
Substantial damage (from CHF 2'500) to the insured person's property
Re-employment after period of unemployment
Re-employment after period of unemployment
Change of workplace
Change of workplace
Cyclical short-time work
Cyclical short-time work
Notice of termination for operational reasons
Notice of termination for operational reasons
Delay of public transport of at least two hours
Delay of public transport of at least two hours
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
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)
Unexpected summons as a witness in court
Unexpected summons as a witness in court
Theft of passport or identity card immediately before departure
Theft of passport or identity card immediately before departure
Unexpected appointment for organ or tissue donation
Unexpected appointment for organ or tissue donation
Adoption of a minor child
Adoption of a minor child
Unexpected draft for military or community service
Unexpected draft for military or community service
Divorce suit or dissolution of the cohabitation
Divorce suit or dissolution of the cohabitation
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
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
Trip inter­rup­tion insurance
Trip inter­rup­tion insurance 
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
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
If your return trip is delayed: Reimbursement of additional travel costs
If your return trip is delayed: Reimbursement of additional travel costs
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)
Immunisation intolerance
Immunisation intolerance
Breakage of prostheses
Breakage of prostheses
Loosening of implanted joints
Loosening of implanted joints
Pregnancy if this occurred after the insurance was taken out
Pregnancy if this occurred after the insurance was taken out
Chronic illness, in the event of an unexpected acute exacerbation
Chronic illness, in the event of an unexpected acute exacerbation
Substantial damage (from CHF 2'500) to the insured person's property
Substantial damage (from CHF 2'500) to the insured person's property
Re-employment after period of unemployment
Re-employment after period of unemployment
Change of workplace
Change of workplace
Cyclical short-time work
Cyclical short-time work
Notice of termination for operational reasons
Notice of termination for operational reasons
Delay of public transport of at least two hours
Delay of public transport of at least two hours
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
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)
Unexpected summons as a witness in court
Unexpected summons as a witness in court
Theft of passport or identity card immediately before departure
Theft of passport or identity card immediately before departure
Unexpected appointment for organ or tissue donation
Unexpected appointment for organ or tissue donation
Adoption of a minor child
Adoption of a minor child
Unexpected draft for military or community service
Unexpected draft for military or community service
Divorce suit or dissolution of the cohabitation
Divorce suit or dissolution of the cohabitation
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
Personal assistance
Personal assistance
Medically indicated repatriation
Medically indicated repatriation
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
Procurement and dispatch of lost medically prescribed medication
Procurement and dispatch of lost medically prescribed medication
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
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
Baggage collection
Baggage collectionup to CHF 2'500
Search, rescue and recovery costs
Search, rescue and recovery costsup to CHF 10'000
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
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 accidentup to CHF 75
SOS message for travellers (if the insured cannot be reached)
SOS message for travellers (if the insured cannot be reached)
Provision of craftsmen in the event of damage at home
Provision of craftsmen in the event of damage at home
Luggage insurance
Luggage insuranceTravelTravel Premium
Maximum sum insured
Maximum sum insuredCHF 1'000 for individuals / CHF 2‘000 for familiesCHF 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
Loss, damage or late delivery by a transport company
Loss, damage or late delivery by a transport company
Damage to luggage given in foreign custody
Damage to luggage given in foreign custody
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 dayCHF 250 for individuals / CHF 500 for familiesCHF 250 for individuals / CHF 500 for families
Replacement of ID cards and visas
Replacement of ID cards and visasCHF 200CHF 200
Breakdown assistance
Applies in Switzerland & Europe to trips with private motor vehicles, mobile homes and camping trailers
Breakdown assistance or towing to a nearby garage
Breakdown assistance or towing to a nearby garage
Recovery of the vehicle after an accident
Recovery of the vehicle after an accidentto CHF 2‘000
Overnight due to a breakdown or an accident
Overnight due to a breakdown or an accidentCHF 120 per night and person
Returning home due to a breakdown or an accident
Returning home due to a breakdown or an accident
Rental car due to a breakdown or an accident abroad
Rental car due to a breakdown or an accident abroadto CHF 1‘500
Public transport and taxi costs
Public transport and taxi costs
Return transport of the vehicle to the domicile garage
Return transport of the vehicle to the domicile garage
Delivery of spare parts abroad
Delivery of spare parts abroad
Travel health insurance (included in premium tariff)
Travel health insurance
In-patient treatment in the hospital including operations that cannot be postponed
In-patient treatment in the hospital including operations that cannot be postponed
Outpatient treatment
Outpatient treatment
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
Pain relieving conservative dental treatments
Pain relieving conservative dental treatments
Medical treatment of pregnancy complications
Medical treatment of pregnancy complications
Radiation, light and other physical treatments
Radiation, light and other physical treatments
Accommodation of an accompanying person in the hospital with sick children
Accommodation of an accompanying person in the hospital with sick children
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
Legal protection insurance (included in premium tariff)

Risk carrier Orion legal protection insurance
Compensation, criminal charges and victim assistance
Compensation, criminal charges and victim assistance
Protection in the event of ID withdrawal
Protection in the event of ID withdrawal
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
Patient rights
Patient rights
Property law
Property law
Legal disputes with an insurance company, health insurance company or pension fund
Legal disputes with an insurance company, health insurance company or pension fund

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Questions and answers

How do I contact HanseMerkur International in an emergency?

Emergency hotline service

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

Are there special tariffs for families and young people?

Special tariffs available

We offer interesting premiums for families and young adults under 29. A family includes up to 2 adults and a maximum of 7 children up to their 21st birthday.

Does the cancellation insurance cover illness with COVID-19?

Insured event

In addition to unexpected and serious illness, the cancellation insurance also covers illness with COVID-19.

When does the insurance cover in the annual insurance begin and end?

One year term with automatic renewal

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.

Did you know? Key facts about annual travel insurance

Be it due to illness, an accident or an emergency involving a member of the family – every year, thousands of Swiss people are forced to put their holiday plans on hold. Particularly if you are forced to cancel a trip at short notice, you can expect to be faced with a hefty bill for cancellation costs corresponding to as much as 100 per cent of the price of the trip. With HanseMerkur’s annual travel insurance, you can prevent falling into this financial trap: we reimburse you for the contractually owed cancellation costs charged by your tour operator or carrier – without any excess on your part. We also contribute to the rebooking costs if, for example, you have to embark on your trip later than planned, or interrupt a trip you have already embarked on.

The safe holiday guarantee: annual travel insurance with the worry-free package

Cancellation insurance allows you to avoid a hefty bill if you need to cancel your trip unexpectedly before departure. Mishaps can soon become expensive when you have reached your destination as well. After all, medical services are a very expensive matter in other countries – particularly in places like the US, Canada, Japan or Australia. Similarly, a car that breaks down, damaged luggage or a legal dispute can leave a real dent in your travel budget. Our tip: save money with our cost-effective annual travel insurance. The annual policy includes cancellation insurance, car travel cover, luggage and legal expenses insurance and offers worldwide protection for an unlimited number of trips. The premium annual policy also gives you health insurance for travel abroad with top benefits. Did you know?: annual travel insurance can also be taken out for business travel.

Important documents for download

All important documents to save or print out at a glance:

Price overview

General Conditions of Insurance – Travel 365

General Conditions of Insurance – Travel Premium 365

Fact sheet on insurance products (Travel 365)

Fact sheet on insurance products (Travel Premium 365)

Book annual policy including cancellation cover

Choose from the following range of convenient payment methods when you book:

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PURCHASE ON ACCOUNT


  • Travel 365
  • Travel Premium 365

Travel 365

CHF 79

(Sample premium per year, up to the 29th birthday)

Calculate premium

Travel Premium 365

CHF 139

(Sample premium per year, up to the 29th birthday)

Calculate premium

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