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Travel insurance
Assistance travel insurance will cover any costs if you have to cancel your planned trip or interrupt one you’ve already begun. If the vehicle you’re using breaks down, then you will get assistance immediately.
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Protection against the financial consequences of trips not commenced or commenced late, and of interrupted trips
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Support in the event of incidents while travelling at home or abroad
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Immediate assistance in the event of a breakdown or car accident
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Attractive discount of 25% when taking out all three elements of Assistance insurance
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No deductible – whether you take out benefits individually or in combination
With every online conclusion of an Assistance travel insurance policy, Helvetia will give you a Hotelcard worth CHF 95.00.With the Hotelcard, the first half-rate subscription for hotels, you can book more than 500 hotels in Switzerland at half price as often as you like within a period of one year. Safe and affordable holidays with Helvetia and Hotelcard.
More information on Hotelcard – www.hotelcard.ch
Benefits
The three elements of Assistance can be concluded individually or combined, and comprise cancellation cost insurance, Assistance for persons and motor vehicle Assistance. These can be concluded as policies for individuals or as family insurance.
The travel cancellation insurance protects you from the financial consequences of trips that have to be cancelled or postponed if you, your travel companions, or someone close to you becomes seriously ill or is injured. In addition, trips not taken due to events involving burglary, fire, water or natural forces (e.g. flooding, storms or hail) at your home or holiday destination are also covered. If important travel documents are stolen on the day of departure, the travel cancellation insurance will take care of the additional costs and the cost of the unused part of your stay.
If you or any of your travel companions become seriously ill or have an accident, Assistance for persons will cover the transport costs to the nearest doctor or hospital. The costs of search, salvage and rescue operations are also covered, as is the return to your place of residence. We will refund you the cost of the unused part of the holiday. If your trip is unexpectedly prolonged, we will refund the additional costs of transport, meals and accommodation.
If a person close to you back home falls ill, has an accident or dies, or if your property at your home address is damaged due to a burglary or events involving fire, water or natural forces, the cost of the return journey to your home will also be covered.
If you are unable to take part in an event, a course or a seminar owing to a severe illness or accident, and cancellation is not possible, Helvetia will cover the costs of the unused part of the trip. This applies also for multiple-journey or season tickets that cannot be used another time.
Have you broken down or had an accident in your car? Motor vehicle assistance is there to help: breakdown recovery in Switzerland and abroad, towing service or the costs of returning the vehicle are also covered, as are search and rescue for passengers following a traffic accident. If you need a replacement vehicle then Helvetia will refund you the cost of a rental car. Any additional transport costs for the return journey by public transport and costs of accommodation or meals are also covered.
Further information
Good to know
- Luggage insurance: your luggage is already insured in your household contents insurance.
- Special rate for young people with youth insurance, including optional Assistance travel insurance.
- Combination discount of up to 20% with household contents, private liability, legal protection or building insurance. It’s well worth having everything from one source – including in financial terms.
Examples of damage
Cancellation costs insurance
Mr and Mrs Summer book a trip to Mallorca flying from Zurich. Three days before they leave, Mr Summer falls ill and the doctor strongly advises against taking the trip. The Summers cancel their trip and, thanks to their travel insurance, are refunded the cost of CHF 4,400.
Assistance for persons
Mrs Sommer has a car accident in Mombasa (Africa) and suffers serious injuries. Her medical treatment and care is not guaranteed in Mombasa. Since Mrs Summer can only be transported back to Switzerland lying down and under the constant care of a doctor, a special aeroplane is commissioned. The insurance covers the costs of the flight, the medical escort and the ground services, and refunds the unused travel costs totalling CHF 36,000.
Motor vehicle assistance
The Sommer family is driving in their own vehicle in the Dolomites when suddenly smoke starts to come from the bonnet. They cannot continue their trip. Helvetia organises the breakdown recovery service that takes the vehicle to the nearest garage. A hydraulic lift is required to make the vehicle roadworthy again, but the workshop opening hours mean the family cannot continue their journey until two days later. Fortunately, there is a spa hotel very nearby, which makes the unwanted interim stop a more enjoyable experience. The costs of the breakdown recovery and the hotel accommodation amount to around CHF 900 and are covered.
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