In principle there are no deadlines. That means you can conclude the insurance just one day before departure. Nevertheless, the cover does not include events that had already occurred or should have been obvious to the insured person when the insurance was concluded or before the trip or holiday was booked or started.
The travel insurance you conclude with Helvetia is valid for a full year and offers the following advantages:
If your means of public transport or flight is delayed or cancelled so that you miss your connecting flight, Helvetia will cover the additional transport costs up to a maximum of CHF 2,000 per insured person. However, the time gap between the planned arrival and departure times of the two flights must be more than three hours.
If there is no available flight until the following day, Helvetia will cover the costs of hotel accommodation for the night, including meals.
Yes, if you are unable to go on holiday as a result of an illness, you must present a doctor’s certificate.
No. Your luggage is insured against theft and loss through your household contents insurance. If your luggage is damaged or stolen in transit, or if your credit cards, cheques, ID or personal tickets are stolen, “Assistance for persons” insurance provides you with an advance (of CHF 2,000 per insured person) for the costs you incur to purchase absolutely essential items.
Travel insurance does not cover pets. If you have to abandon or interrupt a journey, the costs incurred for pets you have with you are not insured. If an insured person’s pet cannot be placed with the intended caregiver prior to commencement of a trip because the latter has suffered an accident, becomes ill or dies, and the pet has to be boarded elsewhere, Helvetia will bear the costs up to a maximum of CHF 1,000 per event.