- The best travel insurance plans for Switzerland
- Is it currently safe to travel to Switzerland?
- Is travel insurance required by law to enter Switzerland?
- Why take out travel insurance for Switzerland?
- The essential coverage for travel insurance for Switzerland
- The Cost of Travel Insurance for Switzerland
- How to pay less for your travel insurance to Switzerland
- Does my current insurance cover me in Switzerland?
- FAQ
- On the same topic
Travel insurance for Switzerland: key takeaways
1. Definition: Travel insurance for Switzerland covers medical emergencies, trip cancellation, and other unforeseen travel incidents.
2. Key protection: Insurance is not mandatory for Canadians but is essential due to Switzerland's very high medical costs.
3. Healthcare cost: Healthcare is excellent but very expensive; a hospital night can easily exceed $1,500 CAD.
4. Price: A one-week travel insurance policy for Switzerland typically costs between $30 and $60 CAD.
5. Good to know: Ensure your policy includes helicopter rescue and medical evacuation, especially for mountain activities.
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 Canada, our experts share here everything you need to know to choose the best travel insurance for Switzerland.
The best travel insurance plans for Switzerland
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | CA$1.5M | Comprehensive cover for trips to Switzerland. - high medical limit - repatriation included - clear, flexible guarantees |
| Cap Assistance 24/24 | CA$1.5M | Adapted for both city and mountain travel. - 24/7 support - no deductible - medical evacuation included |
| Tourist Card | CA$800k | Good value for holidays in Switzerland. - solid medical cover - emergency assistance - practical for short stays |
| Travel Pass Monde | CA$1.0M | Robust for active or extended trips. - covers hospital care - mountain rescue - repatriation |
| Globe Partner | CA$450k | Useful for travellers needing essential cover. - clear guarantees - civil liability - suitable for multi-country visits |
| Globe Traveller | CA$800k | Meets needs for flexible or budget travel. - prompt medical cover - practical for mountain activities - easy claims process |
- high medical limit
- repatriation included
- clear, flexible guarantees
- 24/7 support
- no deductible
- medical evacuation included
- solid medical cover
- emergency assistance
- practical for short stays
- covers hospital care
- mountain rescue
- repatriation
- clear guarantees
- civil liability
- suitable for multi-country visits
- prompt medical cover
- practical for mountain activities
- easy claims process
Is it currently safe to travel to Switzerland?
As of June 2025, Global Affairs Canada advises that normal security precautions are sufficient for travel to Switzerland. Switzerland is considered safe for Canadian travellers, with no widespread risks reported.
Here are their four main recommendations.
- Security risks: petty crime such as pickpocketing can occur in urban centres, especially in airports, railway stations and on busy trains in cities like Zurich, Geneva and Bern. Remain vigilant with personal belongings in these areas.
- Health risks: Switzerland provides excellent healthcare but costs can be much higher than in Canada. In mountainous regions, incidents like skiing accidents may require helicopter rescue, which is not covered by provincial health plans.
- Environmental hazards: avalanches are a risk in the Alps, especially during the ski season between December and March. Hikers and winter sports enthusiasts should check local conditions and follow safety recommendations.
- Legal requirements: Canadians do not require a visa for short stays (up to 90 days), but will need to register online with the ETIAS system by the end of 2025. Customs authorities may request proof of funds and a return or onward ticket.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Switzerland.
Is travel insurance required by law to enter Switzerland?
No, travel insurance is not mandatory for Canadian citizens entering Switzerland for short stays of up to 90 days.
Travel insurance is only required for travelers from Canada applying for a Schengen visa, but Canadians do not need a visa for tourism or business stays of less than 90 days. It is still strongly recommended to have comprehensive travel insurance because Switzerland’s excellent healthcare system is among the most expensive in Europe, and upfront payment is usually required.
According to our data, 50% of travelers purchase travel insurance before going to Switzerland, primarily because of the country’s high medical costs and active outdoor tourism.
Why take out travel insurance for Switzerland?
It is an essential financial and medical protection for anyone going to Switzerland.
Switzerland is known for its world-class healthcare facilities, such as Hôpital de La Tour in Geneva and Klinik Hirslanden in Zurich. Both public and private hospitals offer excellent care, but prices are very high, even for standard treatments. Foreign visitors are usually required to pay upfront for services.
Travel insurance covers medical fees, hospitalization, medication, ambulance transportation and emergency repatriation costs to Canada in case of serious incidents.
Here are some examples of healthcare costs in Switzerland.
| Example of medical treatment | Cost at Hôpital de La Tour | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 4,000 CHF (approx. CA$6,100) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,500 CHF (approx. CA$3,800) | Up to 100% |
| I need to be repatriated | 25,000 CHF (approx. CA$38,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 12,000 CHF (approx. CA$18,300) | 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.
The essential coverage for travel insurance for Switzerland
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 hospitalization, consultations and urgent care after illness or accident. We recommend a minimum reimbursement limit of CA$1,000,000 for Switzerland. |
| 🛌 Hospitalization | Pays for inpatient stays, surgeries and intensive care. A limit of at least CA$500,000 is recommended. |
| 🚑 Medical evacuation and repatriation | Covers air ambulance and return to Canada if necessary. The minimum recommended is CA$500,000 per trip. |
| 💊 Emergency medication | Reimburses prescription drugs in case of unexpected illness. Aim for CA$5,000 or more. |
| 🚁 Search and rescue | Especially for those in mountain areas, covers rescue operations and helicopter evacuation. A minimum of CA$50,000 is recommended for these activities. |
| 🛄 Baggage insurance | Covers theft, loss or damage to luggage and personal belongings. We suggest a limit of CA$3,000 per trip. |
| ✈️ Trip cancellation/interruption | Reimburses non-refundable expenses if you need to cancel or cut your trip short due to unforeseen events. At least CA$5,000 coverage is advised. |
| 👨⚖️ Personal liability | Covers damages caused to third parties during your stay. A minimum limit of CA$1,000,000 is appropriate for Switzerland. |
We recommend a minimum reimbursement limit of CA$1,000,000 for Switzerland.
A limit of at least CA$500,000 is recommended.
The minimum recommended is CA$500,000 per trip.
Aim for CA$5,000 or more.
A minimum of CA$50,000 is recommended for these activities.
We suggest a limit of CA$3,000 per trip.
At least CA$5,000 coverage is advised.
A minimum limit of CA$1,000,000 is appropriate for Switzerland.
Local providers or bank card travel insurance generally involves low coverage limits and many exclusions. For full protection and peace of mind, it is safer to select a dedicated insurer. Compare the best options at HelloSafe and subscribe online for instant coverage certification.
The Cost of Travel Insurance for Switzerland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | CA$29 |
| 2 weeks | 45 years old | CA$42 |
| 1 month | 35 years old | CA$60 |
| 1 month | 70 years old | CA$122 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance for Switzerland depends on several factors: your age, trip duration, desired coverage amount, and optional add-ons like extreme sports or trip cancellation. Considering these elements is crucial to find a suitable policy that covers potential high medical or rescue costs, ensuring you are well-protected throughout your travels.
💡 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 |
|---|---|---|
| 🏥 Level of coverage | Medical and evacuation costs are extremely high in Switzerland, making adequate protection vital. | Choose a policy that covers at least CA$1,000,000 in medical care and evacuation for reliable peace of mind. |
| ⏱️ Trip duration | Costs rise with the length of stay. Insuring only the actual travel days avoids unnecessary expenses. | Adjust your coverage to match exact travel dates; do not overestimate trip length when getting insurance. |
| 🧗♂️ Activities covered | Mountain activities like skiing and hiking often require additional coverage due to higher risks. | Only include adventure sports protection if you plan to do such activities; skip it to lower your premium if not needed. |
| 🧑🦳 Traveller's age | Premiums rise with age with most insurers, especially for travelers over 55. | Heymondo does not increase its prices for people over 62, which can be a cost-saving option for older travelers. |
| 👨👩👧👦 Number of insured travelers | Group and family plans may offer significant discounts compared to individual policies. | Opt for a family or group policy when traveling together to secure a reduced total premium. |
| 💶 Deductible amount | A higher deductible reduces the total cost of your insurance, but increases your out-of-pocket expense. | Select a higher deductible only if you can comfortably afford it in case of a medical claim abroad. |
Does my current insurance cover me in Switzerland?
It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health system—can protect you during a trip to Switzerland. Unfortunately, this coverage is often limited or insufficient. 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 (provincial/territorial health care) | Never | No coverage for health expenses, hospitalization, evacuation, or repatriation outside of Canada. | Travel insurance covers up to CA$1,000,000+ for medical care, evacuation, and 24/7 access to English assistance. |
| Private health insurance (group benefit plans, employer health insurance) | Limited coverage | Health expenses abroad may be reimbursed after return, no repatriation, limited direct payment. | Travel insurance offers CA$1,000,000+ coverage including local hospital costs, emergency evacuation, and assistance. |
| Classic credit card (Scotiabank Value, RBC Classic Visa, CIBC Classic) | Limited coverage | Emergency medical costs below CA$15,000, excludes baggage, trip cancellation and mountain rescue. | Travel insurance includes up to CA$1,000,000+ for health and medical evacuation, trip cancellation and luggage loss. |
| Premium credit card (TD Aeroplan, BMO World Elite MC, RBC Avion Infinite) | Limited coverage | Medical emergency below CA$100,000, limited trip/baggage cover, exclusions for hazardous sports or rescue in Alps. | Travel insurance increases limits to CA$1,000,000+, covers more risks including alpine rescue and lost equipment. |
Example
While skiing in Zermatt, Chloe suffered a severe concussion. The helicopter rescue and hospital stay cost CA$35,000. Her TD Aeroplan card's insurance only covered CA$5,000, and her provincial plan covered just CA$400. Without specific travel insurance, she was personally liable for the remaining CA$29,600 from her alpine trip.
Expert advice
Bank cards and provincial health plans often exclude key situations like trip interruption due to a relative’s illness. Scrutinize your existing policies for exclusions to avoid surprises abroad. In all cases, subscribing to a dedicated travel insurance plan tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Switzerland?
Canadian citizens do not need a visa for tourist stays of up to 90 days within the Schengen area, which includes Switzerland. Your passport must be valid for at least three months beyond your planned departure date from the Schengen area. From late 2025 or early 2026, travelers will need an ETIAS travel authorization.
How do I purchase travel insurance for Switzerland?
First, compare plans using the HelloSafe travel insurance comparison tool to find an option that suits your needs. Then carefully check coverage details and exclusions, especially those related to Switzerland’s medical costs or mountain activities. Buy your chosen policy online and you’ll receive your certificate by email after payment.
Are medical costs high in Switzerland and does travel insurance cover them?
Medical care in Switzerland is excellent but expensive, much higher than most rates in Canada. Travel insurance covers medical emergencies, hospital stays, and doctor visits, often up to CA$1,000,000 or more. This protects you from potentially significant out-of-pocket expenses if you need care during your trip.
Are special activities like skiing or mountain rescue included in travel insurance for Switzerland?
Not all travel insurance plans automatically include coverage for skiing, mountaineering, or helicopter rescue. For Switzerland, make sure your policy specifically lists coverage for outdoor activities and mountain evacuation, as these services are often needed and can be very costly without insurance.
What should I look for when choosing travel insurance for Switzerland?
Choose a plan that covers at least CA$1,000,000 in medical expenses, includes mountain rescue if you plan to hike or ski, and also covers trip cancellation, lost luggage, and 24/7 assistance. Check for exclusions related to adventure sports or pre-existing medical conditions before you buy.
Does the ETIAS authorization replace the need for travel insurance?
No, the ETIAS authorization is a travel requirement that allows entry into Switzerland and other Schengen countries but does not provide insurance coverage. Travel insurance is strongly recommended to cover health care, accidents, and emergencies during your stay, even if not legally required for Canadian citizens.
Do I need a visa to travel to Switzerland?
Canadian citizens do not need a visa for tourist stays of up to 90 days within the Schengen area, which includes Switzerland. Your passport must be valid for at least three months beyond your planned departure date from the Schengen area. From late 2025 or early 2026, travelers will need an ETIAS travel authorization.
How do I purchase travel insurance for Switzerland?
First, compare plans using the HelloSafe travel insurance comparison tool to find an option that suits your needs. Then carefully check coverage details and exclusions, especially those related to Switzerland’s medical costs or mountain activities. Buy your chosen policy online and you’ll receive your certificate by email after payment.
Are medical costs high in Switzerland and does travel insurance cover them?
Medical care in Switzerland is excellent but expensive, much higher than most rates in Canada. Travel insurance covers medical emergencies, hospital stays, and doctor visits, often up to CA$1,000,000 or more. This protects you from potentially significant out-of-pocket expenses if you need care during your trip.
Are special activities like skiing or mountain rescue included in travel insurance for Switzerland?
Not all travel insurance plans automatically include coverage for skiing, mountaineering, or helicopter rescue. For Switzerland, make sure your policy specifically lists coverage for outdoor activities and mountain evacuation, as these services are often needed and can be very costly without insurance.
What should I look for when choosing travel insurance for Switzerland?
Choose a plan that covers at least CA$1,000,000 in medical expenses, includes mountain rescue if you plan to hike or ski, and also covers trip cancellation, lost luggage, and 24/7 assistance. Check for exclusions related to adventure sports or pre-existing medical conditions before you buy.
Does the ETIAS authorization replace the need for travel insurance?
No, the ETIAS authorization is a travel requirement that allows entry into Switzerland and other Schengen countries but does not provide insurance coverage. Travel insurance is strongly recommended to cover health care, accidents, and emergencies during your stay, even if not legally required for Canadian citizens.
On the same topic
