The advantages for you

Holidays in Switzerland and other European countries are proving very popular with travellers. Many of them opt to use their own car or take the train. Rely on HanseMerkur’s comprehensive travel cover for sudden events such as illness, accidents or a breakdown. Our Travel Europe travel insurance gives you comprehensive cover for travel by car, rail and ship in one attractively priced package. Our self-drive insurance not only covers the cancellation costs for holiday homes, hotels and camping sites – if you run into difficulties, our personal assistance is available round the clock.

* Sample premium for a trip costing up to CHF 500.

Tariff overview

	Travel Europe
Cancellation insurance Cancellation insurance: Reimbursement in the event of travel cancellation, rebooking, no or delayed travel.
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

Types of travel	Independent travel by car, rail & ship
Scope of cover	Europe
Maximum trip duration	31 days
Policy to be taken out	When or after you book the trip
Refund (Cancellation and trip interruption insurance)	Depending on the travel price (max. CHF 10,000)
Excess	No excess
Number of trips	Single trip

Price overview	Download PDF
Sample price for travel insurance	from CHF 24 (sample premium for a trip price of up to CHF 500)
	Calculate premium

Cancellation insurance

For non-commencement of the trip

Reimbursement for the contractually required cancellation costs

Reimbursement of additional costs in the event of partial cancellation of a co-insured

If the trip booking is changed

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

up to CHF 30 per person

In the event of a delayed start to the journey

Reimbursement of additional travel expenses and costs for unused travel services

Insured reasons

Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you)

Immunisation intolerance

Breakage of prostheses

Loosening of implanted joints

Pregnancy if this occurred after the insurance was taken out

Chronic illness, in the event of an unexpected acute exacerbation

Substantial damage (from CHF 2'500) to the insured person's property

Re-employment after period of unemployment

Change of workplace

Cyclical short-time work

Notice of termination for operational reasons

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

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

Theft of passport or identity card immediately before departure

Unexpected appointment for organ or tissue donation

Adoption of a minor child

Unexpected draft for military or community service

Divorce suit or dissolution of the cohabitation

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

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 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

Insured reasons

Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you)

Immunisation intolerance

Breakage of prostheses

Loosening of implanted joints

Pregnancy if this occurred after the insurance was taken out

Chronic illness, in the event of an unexpected acute exacerbation

Substantial damage (from CHF 2'500) to the insured person's property

Re-employment after period of unemployment

Change of workplace

Cyclical short-time work

Notice of termination for operational reasons

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

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

Theft of passport or identity card immediately before departure

Unexpected appointment for organ or tissue donation

Adoption of a minor child

Unexpected draft for military or community service

Divorce suit or dissolution of the cohabitation

Disaster relief provided if the insured person is a member of the fire brigade or rescue service

Personal assistance

Medically indicated repatriation

Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral

Procurement and dispatch of lost medically prescribed medication

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

Baggage collection

up to CHF 2'500

Search, rescue and recovery costs

up to CHF 10'000

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

up to CHF 75

SOS message for travellers (if the insured cannot be reached)

Provision of craftsmen in the event of damage at home

Luggage insurance

Travel

Travel Premium

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

Loss, damage or late delivery by a transport company

Damage to luggage given in foreign custody

Costs for necessary replacement purchases if luggage is not delivered on the same day

CHF 250 for individuals / CHF 500 for families

Replacement of ID cards and visas

CHF 200

Applies in Switzerland & Europe to trips with private motor vehicles, mobile homes and camping trailers

Breakdown assistance or towing to a nearby garage

Recovery of the vehicle after an accident

to CHF 2‘000

Overnight due to a breakdown or an accident

CHF 120 per night and person

Returning home due to a breakdown or an accident

Rental car due to a breakdown or an accident abroad

to CHF 1‘500

Public transport and taxi costs

Return transport of the vehicle to the domicile garage

Delivery of spare parts abroad

Did you know? Key facts about the Travel Europe travel insurance

Simply set off and enjoy your holiday – Europe offers countless destinations that are easy to reach with your own car, in a mobile home or by train. The Travel Europe travel insurance combines all of the most important benefits, which are tailored to suit travel in Switzerland and within Europe.

The best travel cover for Europe at favourable conditions

Our travel insurance for Europe allows you and your fellow travellers to benefit from favourable conditions. The premiums are also staggered depending on the total price of your trip. This means that you can adjust your premium to suit your specific holiday – depending on whether you are booking a holiday home, planning a boat trip or travelling by car. Whatever you choose, you will always receive comprehensive insurance cover offering optimum protection before and during your trip.

Travel Europe travel insurance: A package containing all of the most important insurance components

If you have to cancel or terminate your trip due to an unforeseen event, then the Travel cancellation insurance Europe will reimburse you for the cancellation costs or the additional costs associated with the termination or interruption of your trip. If you have to terminate your trip in the second half of your holiday (as of the ninth day), then we will reimburse you for travel services you have already booked, such as yoga courses, massages or surfing lessons, on a pro rata basis.

Particularly if you are driving in your own car, the breakdown assistance included is a valuable addition to your insurance package. If you cannot continue your trip due to a breakdown or an accident, the Travel Europe travel insurance ensures that you receive help on location quickly. We assume the costs of towing the vehicle to the nearest workshop. What if you have to make an unplanned overnight stop elsewhere? HanseMerkur will assume overnight accommodation costs of up to CHF 500 per person and day if the repair work on your vehicle takes longer.

If you need medical assistance in another EU country due to an accident or for any other reason, your health insurer will reimburse you for the costs incurred as a holder of the European Health Insurance Card. The Travel Europe travel insurance provides extra protection beyond this cover. The personal assistance included in the package covers, for example, repatriation where it makes medical sense and assumes search, rescue and recovery costs. The assistance also helps you if you lose credit and customer cards, mobile phones and travel documents.