What are the best travel insurances for Switzerland in 2025?
- The best travel insurances for Switzerland
- Current travel safety in Switzerland
- Travel insurance for the visa to Switzerland
- Why take out travel insurance for Switzerland?
- What should travel insurance for Switzerland cover?
- The cost of travel insurance for Switzerland
- How to pay less for your travel insurance to Switzerland
- Current insurance coverage in Switzerland
- FAQ
Travel insurance for Switzerland: key takeaways
1. Definition: Travel insurance for Switzerland covers medical emergencies, trip interruption, and provides 24/7 assistance.
2. Key protection: Insurance is not mandatory for US citizens, but it protects against high unforeseen medical costs.
3. Healthcare cost: Swiss healthcare is excellent but very expensive; a hospital night can easily exceed $1,000.
4. Price: A one-week travel insurance plan for Switzerland typically costs between $30 and $60.
5. Good to know: Ensure your policy covers mountain sports like skiing or hiking, as they are often excluded.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for your trip to Switzerland.
The best travel insurances for Switzerland
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Our recommendation for safe travel to Switzerland. - very high medical limit - repatriation covered - flexible, modern guarantees |
| Cap Assistance 24/24 | $1.1M | A reliable policy for short-term or active stays. - 24/7 medical helpline - coverage for alpine sports - no deductible |
| Tourist Card | $550k | A suitable choice for tourism or city stays in Switzerland. - good medical coverage - emergency assistance - competitive pricing |
| Travel Pass Monde | $770k | Balanced protection for frequent travelers. - wide area of cover - hospital & repatriation included - civil liability protection |
| Globe Partner | $330k | An effective plan for longer visits and peace of mind. - strong medical benefits - repatriation included - easy claims process |
| Globe Traveller | $550k | Affordable and practical for short stays in Switzerland. - essential medical cover - fast reimbusement - capped ceiling |
- very high medical limit
- repatriation covered
- flexible, modern guarantees
- 24/7 medical helpline
- coverage for alpine sports
- no deductible
- good medical coverage
- emergency assistance
- competitive pricing
- wide area of cover
- hospital & repatriation included
- civil liability protection
- strong medical benefits
- repatriation included
- easy claims process
- essential medical cover
- fast reimbusement
- capped ceiling
Current travel safety in Switzerland
As of June 2025, the US Department of State rates Switzerland at vigilance level 1, indicating a safe destination with normal precautions recommended for US travelers.
Here are their four main recommendations.
- Security risks: petty crime, such as pickpocketing, can occur in major tourist hubs and on public transport in cities like Zurich and Geneva. Remain attentive to your belongings, especially in crowded areas.
- Health risks: Swiss medical care matches US standards, but costs are high and upfront payment is often required. Tick-borne encephalitis is present for hikers in alpine or wooded regions from spring to autumn.
- Environmental hazards: alpine activities, including skiing and hiking in the Alps or Bernese Oberland, present risks such as sudden weather shifts and avalanches. Rescue operations may require expensive mountain rescue services.
- Legal requirements: carrying a valid US passport for at least six months beyond your Schengen departure is required. Always have proof of funds and a return ticket. Laws are strictly enforced in Switzerland, including for littering and jaywalking.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Switzerland.
Travel insurance for the visa to Switzerland
Travel insurance is not mandatory for U.S. travelers visiting Switzerland for tourism or short stays of up to 90 days.
While not required, travel insurance is strongly recommended. Switzerland has a highly developed but expensive healthcare system, and emergency services, including mountain rescue, can lead to significant out-of-pocket costs without adequate coverage.
According to our data, 50% of travelers purchase travel insurance before going to Switzerland. This reflects the country’s safety but also its very high cost of health care and rescue operations.
Why take out travel insurance for Switzerland?
It is an essential financial and medical protection for anyone going to Switzerland.
In Switzerland, health care is among the most expensive in the world, and all patients—including U.S. travelers—must pay for services out of pocket unless they have insurance. Hospitals such as Hirslanden Klinik Im Park in Zurich and private clinics in Geneva provide high-quality care, but treatment and hospitalization can result in extremely high bills.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transportation, and emergency repatriation to the United States in case of serious health issues.
Here are some examples of healthcare costs in Switzerland.
| Example of medical treatment | Cost at Hirslanden Klinik Im Park | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 6,000 CHF (about $6,600) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 4,500 CHF (about $4,950) | Up to 100% |
| I need to be repatriated | 40,000 CHF (about $44,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 12,000 CHF (about $13,200) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Switzerland cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Switzerland.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and prescription medication for unexpected illness or accident. Recommended reimbursement limit for Switzerland: at least $150,000. |
| 🏨 Hospitalization | Pays for medical treatment, room, and board if admitted to hospital. A minimum limit of $150,000 is advisable given private healthcare costs in Switzerland. |
| 🚑 Medical evacuation | Covers emergency transport to the US or another facility if needed. We recommend a minimum of $200,000 in coverage for Switzerland, especially for mountain activities. |
| 🏔️ Mountain rescue | Pays for search and rescue in alpine emergencies. A limit of at least $25,000 is recommended due to costly mountain rescue operations. |
| 🛅 Baggage and personal effects | Reimburses loss, theft, or damage of luggage. A coverage minimum of $1,500 is recommended for Switzerland. |
| ✈️ Trip interruption/cancellation | Covers non-refundable expenses if you need to cancel or cut your trip short due to covered reasons. A limit of $7,000 is advised because travel to Switzerland can be expensive. |
| ⚖️ Civil liability | Covers costs if you cause harm to others or property. We suggest a limit of at least $100,000 for Switzerland. |
| 🦷 Dental emergency | Covers urgent dental treatment following an accident. Recommended minimum coverage is $1,000. |
Recommended reimbursement limit for Switzerland: at least $150,000.
A minimum limit of $150,000 is advisable given private healthcare costs in Switzerland.
We recommend a minimum of $200,000 in coverage for Switzerland, especially for mountain activities.
A limit of at least $25,000 is recommended due to costly mountain rescue operations.
A coverage minimum of $1,500 is recommended for Switzerland.
A limit of $7,000 is advised because travel to Switzerland can be expensive.
We suggest a limit of at least $100,000 for Switzerland.
Recommended minimum coverage is $1,000.
Travel insurance from local providers or bank cards often provides limited benefits, lower coverage amounts, and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Switzerland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $48 |
| 1 month | 35 years old | $80 |
| 1 month | 70 years old | $135 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance is influenced by several key elements: your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like trip cancellation. Keeping these factors in mind is crucial for finding a policy that fits both your needs and your budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Switzerland
Here are some suggestions to optimize the cost of your travel insurance to Switzerland while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Longer travel means higher premiums, so covering only your exact dates saves money. | Select insurance only for your travel dates, and avoid adding buffer days unless absolutely needed. |
| 👥 Number of travelers | More insured individuals increase the policy price. | Combine travelers into a group or family plan rather than separate individual policies to save cost. |
| 🏥 Level of coverage | Switzerland’s medical care is expensive, so adequate but focused medical coverage is key. | Opt for essential hospitalization and emergency coverage and avoid extra options you do not need. |
| 🧓 Traveler’s age | Costs increase with age, impacting seniors more noticeably. | Heymondo does not increase its prices for people over 62, so always check how insurer rates compare. |
| 🧗 Activities covered | Coverage for alpine sports is pricier, especially in Switzerland’s mountains. | Exclude specific sports add-ons if you don’t plan high-risk activities like skiing or climbing. |
| 🧳 Baggage protection | Europe’s major tourist sites can attract thieves. | Adjust baggage value according to the real worth of what you’re bringing, not the insurer’s default. |
| 🌍 Regional coverage | Worldwide policies cost more, but Switzerland is considered Europe for insurance purposes. | Choose Europe-only coverage if you will not be visiting other continents during your trip. |
Current insurance coverage in Switzerland
It is completely legitimate to wonder whether your current coverage, such as credit card insurance or your public health insurance, can protect you during a trip to Switzerland. Unfortunately, these solutions are often limited or insufficient, especially regarding medical emergencies abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Switzerland? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No medical or emergency coverage abroad. No repatriation, outpatient, or inpatient hospital coverage. | Travel insurance covers up to $500,000 in medical care and emergency repatriation. |
| Private health insurance | Yes, partly | Some medical expenses abroad, but typically limited to $25,000. Excludes repatriation, many extras. | Travel insurance covers $500,000 for medical, repatriation, rescue, and baggage. |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Medical emergencies up to $5,000–$10,000, no mountain rescue, limited trip issues. | Travel insurance covers up to $500,000 for medical and mountain rescue expenses. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical up to $100,000, limited trip delay/baggage. No adventure or mountain rescue coverage. | Travel insurance includes alpine rescue and covers medical claims above $500,000. |
Example
While skiing in Zermatt, Emily tore her ACL. The helicopter rescue and surgery cost $40,000. Her American Express Platinum card's travel benefit covered only $2,500. Her US health plan deemed the Swiss clinic out-of-network, leaving her with a staggering $35,000 bill for a day on the slopes.
Expert advice
Always review the terms, exclusions, and limits of your current insurance. Critical events, like trip interruption for a relative’s illness or death, are often excluded. Read your policy carefully to avoid surprises abroad. In all cases, it's safer and more reassuring to buy dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Switzerland?
U.S. citizens do not need a visa for tourist visits to Switzerland of 90 days or less within a 180-day period. Make sure your passport is valid for at least six months beyond your planned departure from the Schengen area. You may also be asked to show proof of sufficient funds and a return or onward ticket.
How do I purchase travel insurance for Switzerland?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool to find suitable policies for Switzerland. Next, review inclusions and exclusions—pay special attention to coverage for mountain rescue, outdoor activities, and medical emergencies. After selecting your plan, buy it online. Your insurance certificate will be sent to you by email.
Does travel insurance cover mountain rescue in Switzerland?
Many travel insurance policies for Switzerland include mountain rescue and helicopter evacuation, but you should confirm these benefits with your provider. Coverage limits can range from $25,000 to more than $100,000. If you plan on alpine activities, look for policies that specifically state coverage for skiing, hiking, and climbing.
Can I use travel insurance to cover medical costs if I get sick in Switzerland?
Yes, travel insurance will usually cover emergency medical treatment, hospitalization, and outpatient care up to the policy limit, commonly ranging from $50,000 to $500,000. Given Switzerland’s high medical costs, check that your coverage amount is appropriate and includes direct payment to hospitals whenever possible.
What should I do if I lose my belongings or documents while in Switzerland?
If you experience theft or loss, file a police report as soon as possible. Then, contact your insurer’s emergency assistance hotline, which will guide you through the claims process. Keep all documentation, including police reports and receipts, for reimbursement. Many travel insurance policies reimburse for lost luggage, personal belongings, and passports.
Is it possible to extend my travel insurance while traveling in Switzerland?
Most insurance providers allow you to extend your policy online before it expires for an additional fee. Make the request before your current policy term ends to ensure uninterrupted coverage. Extensions are useful if you decide to prolong your stay or travel further within Europe.
Do I need a visa to travel to Switzerland?
U.S. citizens do not need a visa for tourist visits to Switzerland of 90 days or less within a 180-day period. Make sure your passport is valid for at least six months beyond your planned departure from the Schengen area. You may also be asked to show proof of sufficient funds and a return or onward ticket.
How do I purchase travel insurance for Switzerland?
First, compare travel insurance plans using the HelloSafe travel insurance comparison tool to find suitable policies for Switzerland. Next, review inclusions and exclusions—pay special attention to coverage for mountain rescue, outdoor activities, and medical emergencies. After selecting your plan, buy it online. Your insurance certificate will be sent to you by email.
Does travel insurance cover mountain rescue in Switzerland?
Many travel insurance policies for Switzerland include mountain rescue and helicopter evacuation, but you should confirm these benefits with your provider. Coverage limits can range from $25,000 to more than $100,000. If you plan on alpine activities, look for policies that specifically state coverage for skiing, hiking, and climbing.
Can I use travel insurance to cover medical costs if I get sick in Switzerland?
Yes, travel insurance will usually cover emergency medical treatment, hospitalization, and outpatient care up to the policy limit, commonly ranging from $50,000 to $500,000. Given Switzerland’s high medical costs, check that your coverage amount is appropriate and includes direct payment to hospitals whenever possible.
What should I do if I lose my belongings or documents while in Switzerland?
If you experience theft or loss, file a police report as soon as possible. Then, contact your insurer’s emergency assistance hotline, which will guide you through the claims process. Keep all documentation, including police reports and receipts, for reimbursement. Many travel insurance policies reimburse for lost luggage, personal belongings, and passports.
Is it possible to extend my travel insurance while traveling in Switzerland?
Most insurance providers allow you to extend your policy online before it expires for an additional fee. Make the request before your current policy term ends to ensure uninterrupted coverage. Extensions are useful if you decide to prolong your stay or travel further within Europe.
