Change travel insurance with legal certainty

Change travel insurance with legal certainty

Like other insurance policies, travel insurance is also canceled at the end of the contract period. It is important to keep an eye on any deadlines so that the termination is really legally secure.

Note the deadlines when changing travel insurance

It is not always a change of travel insurance that is sought. It is also possible to cancel the travel insurance and not take out any other insurance of this type. The procedure is always the same. Important: The insurers sometimes have different notice periods; these must be observed and can be found in the general insurance conditions. 

The deadlines are often three months, sometimes only two months or even four weeks. If you miss the deadline, you have to accept an extension of the travel insurance. This is contractually regulated; the policyholder has agreed to the extension by signing the contract. The travel insurance is always extended by one year and can then normally only be canceled at the end of the next insurance year.

Important: Be sure to have a look at the general insurance conditions if you want to cancel the travel insurance! Even if a one-year contract term is common, some providers sell their insurance policies with significantly longer terms and bind their policyholders for two or even three years. As a result, the insurance can only be regularly canceled for the first time at the end of this period. Before taking out such insurance, consumer advocates regularly advise against, because these insurance companies put the insured at a disadvantage unnecessarily.

It's easy to terminate

Travel insurance, like any other insurance, is terminated in writing at best. Some experts even recommend sending the cancellation by registered mail with acknowledgment of receipt so that proof of receipt of the letter by the insurance company is available. If the latter does not terminate the contract and the premiums for the next insurance year are debited, legal action can be taken accordingly. After all, the insured person has proof in hand!

Before canceling travel insurance, you should make an insurance comparison. Which other provider comes into question, what are their services and how high the premiums? You can easily make this comparison here on neotralo.ch, but it only needs to be carried out if you actually want to take out travel insurance again.

Once you have found a provider that is suitable for you, you should apply for insurance there. This is usually completely uncomplicated online. If you have the confirmation that your insurance has been taken over, you can send the letter to them with the cancellation of the previous travel insurance. In view of the length of time it takes to settle and conclude a new insurance policy, it is advisable to start the preparatory work at least four weeks before the date of termination. In this way you can be sure that you really get the complete insurance you want.

You will now receive a confirmation or a confirmation of cancellation from your old travel insurance. It is important that you have sent your cancellation notice to collect the rewards from your account with the letter of termination. The old travel insurance is therefore prohibited from collecting the new insurance premiums for the coming year. Should this happen anyway, the bank can get back the money that was illegally debited.

Conclusion: terminate travel insurance in a legally secure manner: Only with observance of the notice period!

The requirements for canceling travel health insurance are similar to those for canceling other insurance companies. They must be terminated in good time and thus in compliance with the agreed notice period. Sometimes that's three months, sometimes only one month has to be considered. If this deadline is missed, the travel insurance contract is automatically extended by another year and can therefore only be canceled again. 

The termination must be made in writing; termination by email or telephone is generally not permitted. The best way of secure termination is to send the same by registered mail. If it is sent by fax, the receipt should be kept. Important: Do not cancel the old insurance until a new one already exists or becomes effective immediately afterwards.

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Mandated Quarantine: Does Travel Insurance Pay?

Mandated Quarantine: Does Travel Insurance Pay?

Currently a frequently asked question: If the health department orders the quarantine? then does the travel insurance pay? Many insurers take a stand, as in the case of a student whose insurance ERV did not want to pay.

Travel insurance only applies in the event of illness?

A student from Bern wanted to go on vacation to Austria at the end of July 2020. One day before she was due to leave, the canton doctor sent her into forced quarantine. The reason: A person in a club where the student was also a guest had tested positive for the corona virus. Now the young woman had to cancel the trip, and one of her travel companions was also not allowed to drive.

The student turned to her travel insurance company, ERV. This assured her on the phone that she would be reimbursed. In writing, however, the question was denied that such a situation as the forced quarantine was not insured. The ERV pointed out that it had made the corresponding regulation clear in its general insurance conditions, because it said that only the insured person who had been quarantined due to an identified illness could claim benefits. 

However, the student in question had not tested positive, the quarantine was merely a precautionary measure.

Other insurance companies are more accommodating

Other insurance companies showed up when asked by the SRF consumer magazine? Espresso? much more accommodating and pointed out that such a case of the ordered quarantine would have been insured with them. AXA, Mobiliar, TCS and Zurich Insurance were asked about this. The prerequisite, however, is that the quarantine can be proven, which, however, should be possible by the order of the health department. 

In addition, the customer would have had to take out the insurance before the first lockdown; there would have been time until the beginning of March.
The student was of course disappointed, it doesn't help if other travel insurances are more accommodating and would have paid. The sense of travel insurance did not reveal itself to her when she asked. But the consumer magazine turned out to be extremely helpful and followed up with ERV.

Insurance gives in under pressure

Even if the ERV had given the student a written rejection of the service request, she was then understanding and gave in. The insurance company said that it knew that in the current situation more measures for forced quarantine had been prescribed at the student's place of residence and that this was to be expected in the future. 

The new situation was taken on and, of course, in the interests of the customers, the decision was made to provide the insurance benefits. However, the statement was only related to the quarantine due to the corona virus. This could mean that the goodwill of the travel insurance does not apply equally to other viruses, whereby the risk of being put into compulsory quarantine because of another illness is significantly lower.

As a result, ERV took over the costs incurred for the cancellation of the trip and also included the request from the student from Bern for these services. ERV even went so far that it did not consider the date on which the insurance was taken out to be decisive, but said that it did not matter whether the insurance was taken out before the first lockdown or later. The only decisive factor is that the quarantine regulation was not in place at the time the insurance was taken out.

Conclusion: travel insurance pays even if quarantine is ordered

The travel insurance always pays if the reason why a trip cannot be started lies in the person of the traveler. If he falls ill and cannot start his trip, the insurance pays the travel fees or any cancellation costs. In the current Corona situation, however, most travel insurances pay if the quarantine is ordered without the person concerned being demonstrably ill. A positive test result is therefore not mandatory.


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neotralo.ch: In a league with the big ones

neotralo.ch: In a league with the big ones

The summer of 2019 was written when one of the budding stars entered the comparison portal landscape to catch up with the big ones in the shortest possible time. neotralo.ch was born and rose within three quarters of a year to the same league as comparis.ch, moneyland.ch and bonus.ch. Here, users can easily find all important comparisons to health insurance premiums, car insurance tariffs and much more. neotralo.ch is already mentioned in the KGeld with the four big players in the industry and proves to be just as reliable and trustworthy.

Comparis.ch is an industry size that no one in Switzerland can get past who wants to carry out a financial check. Now that also applies to neotralo.ch, because the former start-up closed the test of Kgeld with only half a grade worse. 

The very good results achieved within this short time make us confident and it can be assumed that the half mark that still separates neotralo from the competition will not be a permanent result. Such a good result can easily be topped! Especially since neotralo.ch will have an ever wider reach: Tools in ten different languages can be used to compare life insurance policies. 

This means that neotralo.ch not only relies on its customers from Switzerland, but will also build a portal that goes well beyond national borders, with which new users can be reached, who in turn can benefit from the advantages of the comparison portal.

Satisfaction with neotralo.ch

Not only the testers of the financial magazine are satisfied with neotralo.ch. Neotralo.ch itself provides feedback. ?We are very happy with the result. Already after half a year we are perceived as a Swiss comparison portal and stand next to the big names in the industry in Switzerland. 

It is agreed that the efforts have really paid off since the portal was launched, because right from the start great emphasis was placed on customer friendliness, service, comprehensive results and the ability to contact the providers directly. 

Everything at neotralo.ch should be as clear and transparent as possible and that just pays off! In contrast to many other comparison portals that try to make up for missing content with a big name or to hide the receipt of remuneration for mediated insurance, neotralo.ch wants to offer an actual overview. 

This gives the user the chance to get an idea of the individual offers and to choose the one that best suits them.

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Travel insurance: How you are guaranteed to go on vacation worry-free

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Travel insurance: How you are guaranteed to go on vacation worry-free!

A travel insurance is guaranteed to bring you relaxed on vacation: But that only applies if you pay attention to a few things and do not fall for the beautiful appearance that is awakened by some advertising promises. You should therefore find out in good time about various providers and their products and also consider whether you want to take out annual insurance or just need insurance for a single trip.

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The advantage of annual insurance is that it includes many risks that are not covered by temporary travel insurance. For this, it must be canceled in good time, you no longer need the annual insurance. Here are a few tips on how you can enjoy your vacation without worries:

    • Should you consider the item? Theft abroad? have not insured, you should insure your luggage separately. It is lost too quickly, but is then not covered by regular travel insurance. Unfortunately, many insurers only offer luggage insurance at an additional cost and are not included in the insurance package. Compare the possibility of extending the household insurance and taking out luggage insurance with one another and decide on the variant that is cheaper in terms of the premium.
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    • Would you like to go on vacation by car? Then you should definitely cover the breakdown assistance (vehicle assistance). This means you are on the safe side if a tire blowout or an accident occurs on vacation. The insurance covers the costs for the breakdown service, the towing service and the return of the vehicle to Switzerland. In addition, the delivery costs for spare parts are paid for, but not the spare parts themselves. You would also have to pay for them yourself in Germany, so there is no insurance for them when you travel. In addition, vehicle assistance ensures the onward journey, even if this involves additional costs. Important: Protection is often limited to Europe.
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    • If you are traveling to so-called problem countries, it may make sense to take out legal protection abroad. This is especially true if you will be traveling there with a rental car, because private liability does not apply there.
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    • Medical expenses insurance does not cover all costs, but only covers the differential costs between the services that are provided by law and those that are effectively incurred. Accident insurance that also applies abroad can make sense.
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    • Many insurers require a certain distance from the holiday destination to their home town; Most of the time, 50 km can be seen as a border. Important: Make sure that the policy really applies where you want to go! This is especially true for annual insurance that is tacitly extended and may not apply worldwide. In the worst case, you pay the premium every year and then travel to a country where insurance cover does not apply.
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    • If you want to avoid double insurance and thus unnecessary costs, you should definitely compare the existing insurance protection with the protection offered by travel insurance. Many tariff components become superfluous if you are already well insured and you only have to cover individual modules.

If you want to go on vacation relaxed, you should now compare the travel insurance, Find a provider with whom you can really enjoy your vacation!

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Advantages of travel insurance

Advantages of travel insurance

Advantages of travel insurance

Travel insurance has numerous advantages. Only those who pay a premium year after year and never make use of the insurance will see it as a dispensable insurance company. However, everyone else who has ever got into the situation of having to cancel a trip due to illness or another serious reason will confirm that travel insurance is definitely beneficial.

Advantages of travel insurance

The following advantages cannot be denied:

    • Travel insurance protects against cancellation of the holiday. If you have to cancel the trip for an important reason, the insurance will cover the costs. This applies not only if you, the insured person, cannot travel with you, but also if a person close to you cannot travel. Cancellation is possible even for other important reasons.
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    • Insurance pays for additional costs. If, for example, the airline goes on strike and you have to travel with a plane other than the one actually booked, the insurance will cover the additional costs incurred. These can relate to the actual travel costs, but also the costs that are incurred, for example, for an additional night in the hotel.
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    • Fellow travelers are also insured. If your partner or another accompanying person does not have their own insurance, they can also be insured. This means that only one policy has to be taken out, all travelers are protected. This is made possible through parcel insurance such as family insurance. This means that the person traveling with you also enjoys the full insurance cover that applies, for example, in the event of an accident, death, illness or sudden loss of job.
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    • Advance costs are borne. Many hospitals abroad require an advance on the costs that will arise from the treatment. The insurance provides help and advice to those affected, but also the necessary financial means. Because advances in treatment costs are covered by travel insurance.
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    • The luggage is insured. Surely you can do the theft abroad? also secure with household insurance and have thus adequately protected luggage. Luggage insurance includes a fixed amount that can be agreed upon, which can be used in the event of late arrival of the luggage. If the most important utensils have to be bought at the travel destination because the luggage does not arrive on time, the insurance pays for it.
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    • Advice and service are offered. Anyone who has a breakdown or an accident abroad is dependent on help at the latest if he or she does not speak the local language. Travel insurance offers experts who are available by phone or e-mail and can provide advice on how to proceed. So nobody is on their own and knows what to do.

Conclusion:

Travel insurance is surely dispensable in many cases. But there are also some cases in which they are not exactly that and in which travelers are or were happy to have taken out this insurance. Traveling is more relaxed and financially secure. Even in the event of unforeseen events, at least nobody has to worry about the financial side. 


You can view the offers Compare travel insurance now! Find the right insurance partner for you and your next trip and see the project? Vacation? relaxed towards.

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Travel insurance in comparison: Swiss providers scrutinized

travel insurance

Travel insurance in comparison: Swiss providers scrutinized

The following table shows an overview of the most important providers of travel insurance in Switzerland, but does not claim to be complete. The grades mentioned in the evaluation come from the rating of the Swiss Institute for Quality Tests (source: https://www.qualitaetstest.ch/tests/reiseversicherungen-2019-tarife-und-servicequalitaet-im-test).

travel insurance

Our tip: Make the decision for or against a provider not solely dependent on the premium. However, you can use this as an important criterion. But also take into account the benefits that are particularly versatile for individual insurers and can be put together individually using numerous small modules. Here you can find the offers for Compare travel insurance now!

insurance name

Products and building blocks etc.

headquarters

insurance carrier

Grade after customer surveys

Allianz Global Assistance

- travel insurance

 

- luggage insurance

 

- cancellation insurance

 

- breakdown assistance

Zurich

Allianz Suisse Insurance Company Ltd

5,1

Zurich

- travel insurance

 

- Cancellation insurance

Zurich

Zurich Insurance Group

5,0

Helvetia

- cancellation insurance

 

- Personal assistance

 

- Motor vehicle assistance

 

- E-bikes assistance

Basel

Helvetia Swiss Insurance Company Ltd

5,0

the furniture

- cancellation insurance

 

- Personal assistance

 

- Motor vehicle assistance

 

- Business travel insurance

Bern

Swiss Mobiliar Insurance Company AG

4,9

Basler

- cancellation insurance

 

- Medi Service SOS

 

- SOS vehicle

Basel

Basler Versicherung AG

4,8

ERV

- Multi trip

 

- Study trip

 

- Single trip

 

- Dog and cat

 

- luggage insurance

 

- Travel law protection

 

- Airline bankruptcy

 

- special insurance

Basel

Helvetia Swiss Insurance Company Ltd

4,8

smile direct

- cancellation insurance

 

- luggage insurance

 

- dog and cat

 

- SOS protection

 

- replacement trip

Dübendorf

  1. direct insurance; Branch office of Helvetia Schweizerische Versicherungsgesellschaft AG

4,8

AXA

- cancellation insurance

 

- Personal assistance

 

- Vehicle assistance

Winterthur

AXA Insurance Ltd

4,6

CSS

- Medical expenses insurance

 

- Personal assistance

 

- cancellation insurance

 

- luggage insurance

 

- Foreign legal protection insurance

Lucerne

CSS Versicherung AG

4,6

Generali

- cancellation insurance

 

- Personal assistance

 

- Vehicle assistance

 

- Foreign legal protection insurance

Nyon

Generali Allgemeine Versicherungen AG

4,5

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Personal assistance: These case studies require a service

Personal assistance: These case studies require a service

The element of personal assistance is usually offered together with the cancellation insurance, which experts consider to be really useful. With the cancellation insurance, the apron of the trip is already covered, with the personal assistance, however, it is about the time of the trip itself, starting from the arrival.

It is important for the insurance to cover the benefits that the insured person or someone close to them becomes seriously ill, suffers an accident or dies. The same applies to the deputy at the workplace. The following case studies show when the personal assistance of Travel insurance a service takes over:

    • The deputy at work fails due to an accident, you have to travel back straight away and start your job in the company. The insurance covers all related costs.
    • They get lost on a hike and stay nowhere. A helicopter and the mountain rescue service are looking for you, which is very expensive. These costs are borne by the insurance company.
    • You are on a tour in Ghana and are seriously injured there. Surgery is unreasonable, you have to be transported back to Switzerland. The insurance bears the costs.
    • Grandmother dies at home while on vacation. The return journey from vacation will be started immediately.
    • In order to find a succession plan for the injured substitute at work, numerous telephone calls have to be made. The insurance covers the costs for this.
    • The insured person dies on vacation. The cost of returning to Switzerland is borne by the insurance.
    • In the event of an acute illness, treatment in hospital is necessary. This requires an advance payment so that treatment can begin. The insurance takes over this advance.

Personal assistance does not always pay

However, the personal assistance provided by travel insurance does not always cover the costs of a canceled holiday. If treatment becomes necessary but is not classified as an emergency, the insurance will not pay any more than if an injury results from a risk. Anyone injuring themselves while bungee jumping abroad and accepting the risk of insufficient protection must expect that the insurance will not pay. 

Personal assistance also does not cover the costs of illnesses that existed before the contract was signed and only showed up on vacation or worsened there in need of treatment.

Conclusion: Personal assistance is an important insurance

An accident can happen quickly on vacation and cause high costs or even make it necessary to cancel the trip. Personal assistance assumes the costs incurred, but also restricts the granting of benefits. It is therefore important to take a close look before taking out insurance. 

You can view the offers for Compare travel insurance and should absolutely observe the exclusions of the individual insurers. Many cases that appear unambiguous cannot be considered for a service due to the exclusions stipulated in the general contract conditions. In general, the personal assistance is especially recommended for medium to high-priced trips and for trips that should extend over a longer period of time.

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Cancellation insurance: case studies provide information about their necessity

Cancellation insurance

Cancellation insurance: case studies provide information about their necessity

In general, experts recommend taking out cancellation insurance if a household travels at least three times a year. The overall travel costs are then quite high and a cancellation without insurance is painfully noticeable in the travel budget. This also applies to medium to high-priced trips that should be insured.

Cancellation insurance

This is covered by the cancellation insurance

The cancellation insurance is part of the travel expenses insurance and can be taken out either for a single trip or as an annual insurance. It regulates in an insurance contract which reasons for cancellation of a trip are reimbursable. Not every reason why a trip has not started counts! Cancellation insurance pays in the following cases:

    • The insured's mother-in-law suffers a heart attack. She is brought to the hospital and is in the intensive care unit. The vacation is canceled.
    • The partner of the insured person who is traveling breaks his leg on the way to work. The ski vacation must be canceled.
    • The insured person was unemployed for a long time and applied for many jobs. Now she can finally start a job and do it immediately. The start of work overlaps with the vacation, which must now be canceled.
    • Unexpectedly, there is an avalanche at the vacation spot. This is now in a state of emergency and can no longer be visited.
    • Shortly before departure on vacation, the insured person receives the notice of termination. The vacation can no longer be started for financial reasons alone.
    • The grandfather dies, the vacation is not started.
    • The holiday cannot be started because the airline is on strike.

In these cases, the cancellation insurance does not pay

If a couple separates shortly before the trip begins, the cancellation insurance does not pay, even if the financial burden for a traveler alone becomes very high. Slight ailments are also not seen as a reason for performance. If you have booked a holiday by the sea and the weather forecast predicts only storms and rain for the duration of your stay, this is also no reason for the insurance to be paid. Bad weather is not considered a good reason for cancellation.
Important tip: When choosing the provider, pay attention to the listed exclusions! You should include these in the comparison so that you can get a concrete picture of the price-performance ratio. You have the option of Travel insurance providercompare here now! On Comparison of travel insurance in Switzerland it's worth it.

Conclusion: Cancellation insurance only pays in certain cases

The cancellation insurance does not always pay. If you cancel a trip for reasons of slight ailment, the insurance does not have to take effect. It only pays if there are pre-defined reasons for canceling the trip, and these reasons must be really serious. Death, illness or natural disasters are such reasons for which the insurance benefits.

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What does travel insurance cover?

Supplementary insurance from the health insurance company

What does travel insurance cover?

The travel insurance can be built according to the building block principle. It cannot be clearly determined which benefits are covered, because that depends on which components you have insured. The following benefits can be covered.

Supplementary insurance from the health insurance company
    • cancellation costs

      All costs associated with the cancellation of the holiday trip are insured. The trip may have been booked domestically or abroad. The costs for vacation rentals, tickets, rental vehicles, tickets etc. are borne. However, cancellation is not always justified or the insurance company regards this as a performance-worthy situation. Among other things, a diagnosis of a serious illness or the determination of the death of a close relative or the children entitle the person to cancel. Internal unrest, war, terrorist attacks or strikes in the holiday country also entitle to cancel. But this only if the traveling person at their holiday destination would be at risk! The service is limited in time in the event of cancellation due to an unforeseen termination or a sudden start of employment. The cancellation is also insured if the passports are stolen.
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    • Medical expenses

      The insurance covers treatments that have to be carried out abroad due to an emergency and are not covered by the existing health or accident insurance. Only the services that are provided as the difference between the actually incurred costs and the statutory benefit from the basic insurance are provided. In countries with high treatment costs, the insurance may not be sufficient if the coverage of the travel insurance has not been set sufficiently high. Then everyone has to pay for the difference.
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    • Personal assistance

      Assumption of costs within the framework of personal assistance is only possible if the insured person or someone close to him becomes seriously ill or suffers an accident. Even if the deputy in the workplace is affected, the insurance can provide a benefit. The usual services include the assumption of additional costs for a direct trip home, the return travel costs for people and the costs of rescue operations. Costs for absolutely necessary telephone calls and transfer costs for deceased persons are also covered. Travel insurance also makes advance payments if treatment in hospital becomes necessary and this is only possible against advance payments.
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    • Vehicle Assistance

      The insurance company provides advice on how to proceed and organizes help in the event of a breakdown or accident. Breakdown assistance and towing costs are covered, and vehicle salvage or stand fees are also included in the scope of travel insurance. If the vehicle is returned home, the costs incurred are also borne. If the repair takes place at the holiday location, delivery costs for spare parts can also be borne. However, the insurance does not pay for the spare parts themselves. Costs for a rental car, train or plane tickets and other additional transport costs, however, count towards the insurance. If the trip has to be interrupted until the vehicle is ready to drive again, the insurance pays accommodation and meals up to the agreed maximum amount.
    • luggage

      The luggage is secured against loss, theft or damage through travel insurance. In addition, there is usually a fixed sum that the traveler can dispose of if his luggage arrives late and he has to buy the most important things first.

Before taking out travel insurance, you should consider which module you need. Then you can click here for the offers Compare travel insurance and get an idea of the individual providers. Please check it carefully before signing the contract!

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How do I find the right travel insurance?

How do I find the right travel insurance?

How do I find the right travel insurance?

All too often, before completing a travel insurance just looked at the amount of the premiums. But these alone should not be the benchmark! The most important thing is the service that is provided by the insurance company in the event of damage.

How do I find the right travel insurance?

Criteria for choosing the right travel insurance

The differences between the individual providers of travel insurance are large, so you should pay attention to the following points when choosing:

    • Building blocks and covers

      Most insurers offer standard products, in some cases the services can be combined as required. The most important building blocks are always the sub-areas of cancellation and personal assistance. The latter in particular differs greatly among individual providers: For example, the costs for countries with high treatment costs such as the USA or Japan are only partially covered. Other insurers also bear the full health costs there. There is often particularly cheap cover if the insurance is only taken out for a single trip. Who the building block in his household contents insurance? Theft abroad? does not need separate luggage insurance.
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    • Exclusions

      Chronic or mental illnesses are usually excluded from the benefit. Other insurers only pay if the condition of the traveler changes to? Acute? worsened, others only pay for various illnesses if it has been proven that they could not have been diagnosed before the start of the trip. Proof that is difficult to provide! Spongy wording in the exclusions usually means that the insurance company does not pay.
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    • Extension clause

      Travel insurance that has been taken out for one year is usually tacitly extended for another year if it is not canceled within the specified period. If you are not planning any further trips, you should submit the cancellation in good time. Otherwise, you can only terminate such a contract in the event of damage or an increase in the premium.
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    • premiums

      Even if these are not the only decisive factor in deciding for or against an insurer, the premiums must nevertheless be included. Take the chance and compare the offers for travel insurance here! Choose the best value for money: higher premiums can be justified if the benefits are adjusted accordingly. Of course, only a lower premium may be due for low benefits. But even with the same services, the providers are very different.
    • reputation

      Take a look at the ratings of other users or insured persons on the Internet. What do they say about the individual providers? Perhaps there are references to court decisions in which travel insurers have been sued for payment or even got right to refuse the benefits. If you discover that individual insurers appear to be more involved in legal disputes than others, refrain from these providers.
    • need

      Travel insurance is not always necessary at all. Even if you have found a good provider: You certainly do not need to insure a tent holiday with separate insurance. In addition, some trips cannot be insured at all, because it is often necessary to travel a certain distance to the home town to take advantage of the insurance benefits. For example, if you book a very expensive vacation in the next town, which is less than 50 km away from your home town, you cannot take out travel insurance.

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