Travel Insurance from USA to Switzerland
- USA travelers going to Switzerland will discover a breathtaking Alpine paradise renowned for its stunning landscapes, charming villages, and efficient infrastructure.
- The country offers a perfect blend of nature and culture, from the snow-capped peaks of the Swiss Alps to the picturesque cities of Zurich, Geneva, and Lucerne.
- Switzerland's efficient public transportation, including its iconic Swiss trains, makes exploring the country a breeze.
- English is widely spoken, making communication easy for American travelers.
Why USA Travelers Need Travel Insurance for Switzerland?
- Switzerland's rich history, delectable cuisine, and warm hospitality ensure an unforgettable and enchanting experience for USA travelers.
- Whether skiing in winter or hiking in summer, Switzerland promises a captivating journey filled with natural beauty and cultural delights.
- Travel insurance is highly recommended for US citizens traveling to Switzerland whether by air or on a cruise.
- Switzerland travel insurance provides coverage and protection in case of unforeseen events or emergencies during the trip.
- Given the dramatic weather changes around the globe resulting in disruptions in flights, travel insurance is really a necessity.
Travel Insurance Cost & Coverage Tips
- Switzerland is around 5% of the trip cost and easily provides value worth more than its cost.
- Travel insurance from US for Switzerland typically includes medical coverage for illnesses or injuries, trip cancellation or interruption coverage, baggage loss or delay coverage, and emergency assistance services.
- Compare different international travel insurance for Switzerland on American Visitor Insurance and choose one that best suits your needs.
- Having travel insurance for Switzerland from US ensures that you can enjoy their vacation with peace of mind, knowing they are financially protected and have access to support services if needed.
Do I Need Travel Insurance for Switzerland?
Travel insurance for Switzerland is mandatory if you need a Schengen visa and must meet specific coverage criteria. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.
Who Needs to Apply for a Switzerland Schengen Visa?
Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Switzerland for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for Switzerland Schengen Visa. This visa allows travel to Switzerland and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.
How to Apply for a Switzerland Schengen Visa?
To apply for a Schengen Visa to Switzerland, follow these steps:
- Choose the correct visa based on your travel purpose (tourism, business, etc.)
- Fill out the Schengen visa application form.
- Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
- Book an appointment with the Switzerland consulate or visa center.
- Submit your application, biometric data, and documents at the consulate.
- Pay the visa application fee.
- Processing usually takes around 15 days.
- Pick up your approved visa from the consulate.
Do US Citizens Need a Visa for Switzerland?
U.S. citizens with valid passports traveling for tourism or business can enter Switzerland without a visa for a period of 90 days within each six-month period.
Entry into Switzerland for short-term tourism (90 days) or business requires that your passport be valid for at least three months beyond your intended date of departure from the Schengen Area. If your passport does not meet the Schengen requirements, you may be refused boarding by the airline at your point of origin or while transferring planes.
What Are the Switzerland Travel Insurance Requirements for US Citizens?
- US citizens visiting Switzerland for up to 90 days do not need travel insurance. However, it is highly recommended.
- Travel insurance can protect you from unexpected events, such as Medical emergencies, Trip cancellation, Lost or stolen belongings, Trip cancellation etc..
- If you're planning to stay longer than 90 days, or if you're a citizen of a country that requires a Schengen visa, you'll need to obtain travel insurance that meets certain Switzerland visa travel insurance requirements.
Travel Insurance Requirements for Switzerland
According to article 15 of regulation (EC) No 810/2009, of the European Parliament, the travel insurance requirements for the Schengen visa are:
- Minimum coverage of at least €30,000 in medical expenses (around US $30,950 as of Nov 2025).
- Validity across all Schengen Area member states.
- Coverage for medical repatriation and emergency medical care.
- The policy must be valid for the entire duration of your stay.
- Policy must have a $0 deductible with 100% coverage.
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Important: If you want coverage to protect your non-refundable trip expenses — such as flight tickets, hotel bookings, and other reservations — in case your trip is cancelled, delayed, or interrupted, consider buying these trip cancellation insurance plans.
Which Is the Cheapest Travel Insurance With Trip Cancellation Coverage for Switzerland?
$24 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Buy Online »
$24 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $14,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $250,000
Buy Online »
$36 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $10,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $50,000
- Medical evacuation up to $250,000
Buy Online »
Which Is the Best Travel Insurance With Trip Cancellation Coverage for Switzerland?
$43 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $100,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $100,000
- Medical evacuation up to $1,000,000
Buy Online »
$57 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $50,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $250,000
- Medical evacuation up to $1,000,000
Buy Online »
$102 Per month
Age: 20 years | Trip Cost: $1,000 | Trip Duration: 15 days
- Offers trip cost up to $150,000
- Trip cancellation up to 100% trip cost
- Emergency medical coverage up to $500,000
- Medical evacuation up to $1,000,000
Buy Online »
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Important: If you want coverage for emergency medical expenses such as hospital bills and doctor visits caused by sudden sickness or injuries from an accident, consider buying these travel medical insurance plans.
Which Is Cheapest Travel Health Insurance for Switzerland from USA?
Low cost comprehensive travel insurance for travel outside USA.
Policy Maximum?
$50,000 - $1,000,000
Pre-Existing Conditions?
Not Covered
Best travel insurance plan with pre-existing coverage for travel outside USA.
Policy Maximum?
$50,000 - $2,000,000
Acute Onset?
Up to policy maximum up to 79 years
Best comprehensive travel insurance for US citizens traveling outside their home country.
Policy Maximum?
$50,000 - $2,500,000
Coverage?
5 days - 2 years
Acute Onset?
Up to policy maximum up to 70 years
* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.
Which Is Best Travel Medical Insurance for Switzerland from USA?
Provides top-tier medical insurance with high coverage limits for travelers.
Policy Maximum?
$50,000 - $2,000,000
Acute Onset?
Up to policy maximum up to 79 years
Provides short-term international medical coverage for US travelers abroad.
Policy Maximum?
$50,000 - $150,000
Acute Onset?
Up to policy maximum
Provides first-class medical coverage for U.S. travelers abroad, including short-term U.S. return coverage.
Policy Maximum?
$2,000,000 - $8,000,000
Coverage?
5 days - 2 years
Acute Onset?
Up to policy maximum up to 79 years
* The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 20-year-old traveler.
Healthcare and Medical Costs in Switzerland
- Quality of Care: Switzerland features new hospitals and clinics providing all levels of quality. Generally, all medical staff are very well trained and educated.
- Public vs Private: There are ample public hospitals, but private hospitals are much quicker and usually offer more comprehensive care.
- Travel Medical Insurance: Makes provision in the case of medical emergencies for hospitalizations, emergency evacuations, and pre-existing conditions
- Emergency Services: Call 144 for medical emergency and call 112 for any emergency; as a note ambulance and hospital costs without insurance can be expensive.
💡 Tip: Always take your insurance card and passport with you when seeking medical treatment
Do I Need American Traveler Insurance With Trip Cancellation Coverage?
US citizens are advised to consider purchasing trip protection insurance, particularly when traveling beyond their home state. Travel insurance for US citizens visiting Europe tailored for US vacationers offer coverage that includes the traveler's health and trip expense costs.
Coverage benefits typically encompass trip cancellation, delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. This insurance provides coverage in the following ways:
- Non refundable cost of the trip.
- Unexpected medical expenses of the traveler.
- Loss or damage to the insured’s possessions.
Compare the Best Trip Insurance Plans
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IMG Trip Insurance
The trip insurance offered by IMG is a three-tiered series of plans:
These plans offer coverage for unexpected medical expenses due to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
iTravelInsured Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000.
The iTravelInsured Travel SE and iTravelInsured Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip Insurance Plans »
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Safe Travels Trip Protection Insurance
Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled.
These are popular plans for trip related expenses.
Compare Trawick Trip Insurance Plans »
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Trip Protector Preferred Insurance
- Available for US citizens and residents traveling outside the United States.
- Includes $2000 in travel delay benefits for Covid quarantine/lodging.
- Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost.
- Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation.
Compare Trip Protector Preferred Plans »
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Seven Corners Trip Protection Insurance Plans
The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice.
There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally.
You can have a trip last up to 90 days.
Cruise Travel Insurance provides comprehensive protection designed specifically for cruise travelers. Key features include optional Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) upgrades.
Optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare Trip Protection Insurance Plans »
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Travel Insurance Services Trip Protection Insurance Plans
Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services, offers choice of three options to meet your needs and budget: Elite, Plus, and Basic.
These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.
Optional Cancel for Any Reason Benefit
- Travel Insurance Select Plus and Elite plans offer this benefit if purchased within 21 days of the date initial payment/deposit is received (not available to residents of NY).
- Trip Care Complete Insurance also offers “Optional Cancel for Any Reason Benefit” up to 75% of Trip Cost.
Compare Trip Protection Insurance Plans »
International Travel Health Insurance From USA
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Trip Cancellation Insurance
Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.
Learn More »
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Cancel for Any Reason (CFAR)
Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.
Learn More »
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Rental Car Collision
Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.
Learn More »
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US Citizen Annual Travel Insurance
US citizens and residents who travel abroad frequently for business should have international travel health insurance.
Learn More »
American Travel Insurance Plans and Coverage Options
American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.
The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.
Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.
Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.
We’re glad you found your way to American Visitor Insurance. Our website is dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji.
- We offer policies for almost anyone traveling anywhere, including older US residents up to 99 years of age.
- IMG, a well-established name in travel insurance, offers comprehensive travel and trip insurance products suitable for all types of travelers.
- Covers airlift evacuation from your cruise ship to the nearest hospital capable of treating you.
- Provides hospital-to-hospital transfers if the current facility cannot meet your medical needs.
- Includes transportation to a hospital near your home if deemed necessary by your physician.
What Does Trip Cancellation Insurance Cover?
At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to consider purchasing an insurance plan to cover trip cancellation.
- Provides a refund for non-reimbursable deposits and trip costs if something prevents taking the trip between payment and departure.
- Cost of such insurance depends more on the trip cost than the length of the trip (most have maximum day limits).
- Plans available for high-cost trips (exceeding $10,000 per person, e.g., safaris, long cruises) and modestly priced trips.
- Benefits usually cover 100% of non-refundable trip costs.
- Often reduced to 75% for the ‘Cancel for Any Reason’ benefit.
- Coverage during the trip includes:
- Unexpected medical expenses
- Trip interruption (if unable to complete trip due to illness, weather, etc.)
- Trip delay (missed flights or connections, help to catch cruise if necessary)
- Baggage loss
- Assistance for pets or children traveling with you.
When Can I Buy the Trip Cancellation Plan?
- You can buy the trip cancellation plan at any time before your travel dates.
- Since you are insuring the value of your trip, it is better to purchase as soon as possible in case something happens that interferes with your travel.
- Example: If you’ve planned a trip for next October and later find out you must be in court at that time — if you haven’t already purchased your trip cancellation plan, you will not be able to get a refund because you already know about the conflict.
- You always get a 10-day ‘free look’ period after purchasing your plan.
- This allows you to review the policy and ensure it’s the product you really want.
Does Trip Insurance Cover Pre-Existing Conditions?
Many travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit.
However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment.
This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment. This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.
While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise — from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.
Popular plans offering a pre-existing condition waiver include:
- Pathway Premium – Covered if purchased within 21 days of the initial trip deposit.
- Travelex Ultimate – Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
- iTravelInsured Travel LX – Waiver available if purchased within 24 hours of the final trip payment.
- Safe Travels Armor – Covered if purchased within 14 days of the initial trip deposit.
- Trip Protection Choice – Covered if purchased within 20 days of the initial trip payment or deposit, and other requirements are met.
- Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
At American Visitor Insurance, we're here to help you find the right trip cancellation insurance with pre-existing condition coverage so you can travel with confidence and peace of mind.
Which is the Best Trip Cancellation Insurance for U.S. Seniors?
For senior travelers, iTravelInsured Choice Insurance from IMG is a top option. Designed for trips under $10,000 per person, it offers:
- Trip cancellation & interruption for pre-paid, non-refundable expenses
- Medical coverage up to $100,000 and emergency medical evacuation up to $500,000
- Add-ons: Cancel for Any Reason (CFAR), enhanced medical coverage, cruise protection, and sports coverage
- Pre-existing condition waiver if purchased within 21 days of the initial trip deposit
For trips over $10,000 or those seeking higher limits, iTravelInsured Travel SE and LX plans are recommended:
Both include trip cancellation, interruption, evacuation, and optional add-ons similar to Choice
Which to choose:
- Choice: Best for budget-friendly coverage for seniors on standard trips
- SE or LX: Best for high-cost trips or travelers seeking maximum protection
For detailed guidance on choosing the right plan, check out our page on best trip cancellation insurance for seniors.
How Much Does Switzerland Travel Insurance from USA Cost?
Trip Cancellation Insurance
The cost of travel insurance plans for Switzerland starts as low as $24 for a 15-day trip with a $1,000 trip cost.
Each trip is unique, and the cost of travel medical insurance for Switzerland will depend on the details of the trip and the travelers being insured. The key factors that affect the cost include:
- Age of the Traveler
- Type of coverage included
- Duration of the trip
- Number of travelers being covered
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
| Plan Name |
Trip cancellation |
Age 20 |
Age 40 |
Age 60 |
Age 70 |
| Safe Travels Protect |
100% of Trip Cost (Up to a Max. of $14,000) |
$24 |
$32 |
$39 |
$74 |
| Pathway Essential |
100% of Trip Cost (Up to a Max. of $14,000) |
$24 |
$33 |
$53 |
$76 |
| Pathway Plus |
100% of Trip Cost (Up to a Max. of $50,000) |
$32 |
$43 |
$70 |
$98 |
| Trip Protection Basic |
100% of your nonrefundable Trip Cost up to $30,000 |
$34 |
$47 |
$70 |
$70 |
| Travelex Advantage |
100% of Trip Cost (Up to a Max. of $10,000 |
$36 |
$42 |
$62 |
$87 |
| Itravelinsured Choice |
100% of Trip Cost |
$39 |
$50 |
$73 |
$110 |
| Travel Insurance Select Basic |
100% of Trip Cost |
$42 |
$42 |
$87 |
$102 |
| Safe Travels Armor |
100% of Trip Cost (Up to a Max. of $100,000) |
$43 |
$55 |
$67 |
$124 |
| Pathway Premium |
100% of Trip Cost (Up to a Max. of $100,000) |
$43 |
$56 |
$90 |
$126 |
| Trip Protector Economy |
100% of Trip Cost(Up to a Max. of $5,000) |
$47 |
$55 |
$71 |
$75 |
| Travelex Ultimate |
100% of Trip Cost (Up to a Max. of $50,000 |
$57 |
$69 |
$91 |
$125 |
| Trip Protection Choice |
100% of your nonrefundable Trip Cost up to $100,000 |
$65 |
$87 |
$118 |
$118 |
| Itravelinsured LX |
100% of Trip Cost |
$102 |
$114 |
$138 |
$171 |
Best Trip Cancellation Insurance
Review trip cancellation coverage benefits
Travel Medical Insurance for US Citizens Traveling Outside USA
Travel insurance for travel outside the US starts as low as $20 for a month.
Travel insurance provides:
- 🩺 Coverage for doctor visits
- 🏥 Protection for emergency hospital stays
- 🛡️ Financial protection against high medical costs abroad
- ✅ Access to necessary care while traveling
Average one-month travel health insurance costs by age are shown in the table below.
Travel Medical Insurance for US Citizens Traveling Abroad
Review travel medical insurance coverage benefits.
How Much Does Travel Insurance Cost for a Week? How Much Does Travel Insurance Cost for 2 Weeks?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks.
You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How Much Does Travel Insurance Cost for 6 Months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
How to Estimate Trip Cost for Travel Insurance?
Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss.
For Example:
- When I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.
- The refund policy was only 10%, so I could have insured 90% of the cost in that case.
- You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct.
- Airbnb are not consistent across the same city, so you will have to assess this individually for each part of your trip.
- While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler.
- Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.
- Technically, you can insure for any portion of the trip that you want.
- However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).
How to Reduce the Trip Cancellation Insurance Cost?
- Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers.
- Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars.
- It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss.
- Some Cancel for Any Reason (CFAR) travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs.
- The more expensive your trip, the higher the insurance cost.
- Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
You can lower the cost of travel insurance without compromising essential coverage by:
- Choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage.
- Selecting a travel medical plan, which is cheaper than comprehensive coverage and most offer coverage for emergency medical evacuation.
- Selecting lower coverage limits, usually within $50,000 medical coverage, which is often enough for most trips.
What Factors Affect the Travel Insurance Cost from the US to Switzerland?
There are several key factors that determine the cost of Switzerland travel medical insurance from the USA:
1. Trip Duration
The longer your trip, the higher the cost — since your exposure to potential risks increases over time.
2. Age of the Traveler
Older travelers pay higher premiums due to the increased risk of medical issues or claims is higher.
3. Coverage Amount and Type
Plans with higher medical coverage limits, trip cancellation benefits, or “Cancel For Any Reason (CFAR)” add-ons cost more than basic policies.
4. Trip Cost (for Trip Cancellation Plans)
If you are purchasing for an expensive trip covering flights, hotels, or tours — the insurance premium will be higher.
5. Pre-Existing Conditions Coverage
Plans that include pre-existing medical coverage or cover a sudden onset of a pre-existing condition can be more expensive.
6. Optional Add-Ons
If you add extra benefits such as Cancel for any reason (CFAR) coverage, rental car protection, or baggage insurance will increase overall cost.
Destination and Activities: Going on a trip to rural or remote areas in Switzerland or by participating in adventure sports (hiking or skiing) can also increase your premium.
Does US Green Card Holder Need Travel Insurance for Switzerland Visa?
- If you are a non-U.S. citizen or a U.S. Green card holder traveling to Switzerland, you may need an Schengen visa that satisfies Switzerland travel insurance requirements which are the Schengen visa requirements, depending on your nationality.
- Do check the specific requirements based on your citizenship.
- Travelers from the USA visiting Switzerland will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days.
- When applying for a visa to Switzerland (or any other Schengen Area country), travel insurance is a mandatory requirement.
- The purpose of this travel insurance for the Switzerland visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Switzerland.
- The policy must cover emergency medical expenses of at least €30,000 (around US $ 50,000).
- It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed.
- The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Switzerland until you leave.
- American Visitor Insurance offers international travel insurance that meets the Switzerland travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an Schengen visa.
- You can call us at (877)-340-7910 if you need any help to buy travel insurance for Switzerland which satisfies visa requirements.
What Is the New Travel Authorization ETIAS Requirement for U.S. Citizens Traveling to Switzerland?
Starting in 2025, U.S. travelers to Switzerland will need to apply for an ETIAS (European Travel Information and Authorization System). ETIAS is an electronic travel authorization system similar to the U.S. ESTA (Electronic System for Travel Authorization). However, ETIAS is not a visa. It is be a pre-travel clearance for short stays up to 90 days in Switzerland. Along with ETIAS it is important for US travelers to buy travel insurance for Switzerland from USA on American Visitor Insurance, since Medicare and most US health insurance plans will not provide coverage outside USA in Switzerland.
Is Switzerland Visa Insurance Required for US Green Card Holders?
Do US Green card holders need Schengen visa?
Green Card holders will need the Schengen visa if the country of their passport requires a Schengen visa for travel to Europe. Travel insurance for Switzerland visa for Green Card Holders is mandatory while applying for Switzerland Schengen visa. Green card holders travel insurance requirements for Switzerland must satisfy common Schengen visa insurance requirements. US Green Card Holders can buy travel insurance to satisfy Schengen visa requirements for their visa application on American Visitor Insurance.
How Do I Get the Right Insurance Required While Applying for the Switzerland Visa?
At American Visitor Insurance, it’s easy to get the best deal for insurance to meet Schengen visa requirements. Simply use our compare engine to review travel policies and prices. All the plans listed will give you access to a “visa letter” which you can print out minutes after your purchase which shows you have the insurance that is required for your visa. Change in plans? Not sure when your will be traveling? No problem! All plans are very flexible and can either be pushed back, moved forward, or cancelled for a full refund (before they start)! If two people are over 70 years old, you can be quoted together on American Visitor Insurance, but some companies require you to fill out separate applications for each person (but the total cost will NOT change). Note that for travelers over 80, it can be cheaper to get a trip cancellation plan like one offered by IMG and they also provide a visa letter for you! Please call us at (877)-340-7910 if you have any questions or concerns!
General Information About Switzerland
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location_city
Capital: Bern
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Location: Central Europe
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Currency: Swiss Franc (CHF)
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language
Language: German, French, Italian, and Romansh
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groups
Population: Around 8.8 million
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event
Best time to visit: April to October (for sightseeing), December to March (for skiing)
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map
Vacation spots: Bern, Geneva, Zurich, Zermatt, Swiss National Park, Graubunden, Ticino.
Lake Geneva
The main attractions here are the elegant cities and towns surrounding the lake, the opportunities for skiing and hiking in both mountain ranges, and of course the lake itself.
Jungfrau Region
The Jungfrau Region is one of the best places to visit in Switzerland, both in summer and winter. The Jungfraubahn takes visitors from the Kleine Scheidegg mountain.
Zermatt
Zermatt is a small town that is famous for skiing and mountaineering due to its proximity to the Matterhorn, one of Switzerland’s highest mountains.
What Are the Travel Tips for Switzerland?
- Select the optimal point in time for traveling to Switzerland, summer if you want to hike, and winter if you want to ski!
- To travel around Switzerland, the Swiss Travel Pass provides unlimited travelling times on trains, buses, and boats.
- For consideration in smaller shops in some rural areas, make sure to carry some Swiss Francs (CHF) as well as credit card.
- Prepare warm layers, as there's a limited acceptable temperature during your visit, especially when exploring Swiss mountain regions, like Jungfraujoch or Mount Titlis.
- Drink tap water; it is clean, safe, and available throughout Switzerland.
- Look for budget aliments at stores like Coop, Migros, and Manor Food.
- Be prepared to act according to local customs, this means be quiet on trains and keep Swiss punctuality in mind.
- Also remember to check the forecast! The mountain weather can change quickly.
Types of Travel Insurance for US Citizens Visiting Switzerland
Short Term Travel Medical Insurance
- For short term travel vacations ranging from a few weeks to few months (less than a year).
- This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.
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Long Term Health Insurance
- Ideal for expats working overseas and for US pensioners living outside the US.
- These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.
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Annual Travel Insurance to Switzerland from USA
- Ideal for frequent travelers such as business professionals or digital nomads making multiple international trips per year.
- The Annual multi-trip insurance for travelling to Switzerland provides coverage for unlimited trips within a 12-month period, with each trip usually lasting 30-90 days.
- Offers significant savings compared to purchasing separate insurance for each trip.
- Ensures continuous coverage throughout the year without needing to buy a new policy for every trip.
- Particularly useful and cost-effective for business travelers.
- Requires the traveler to have primary health insurance in their home country.
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US expatriate insurance
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.
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Travel Insurance for US Seniors With Medicare Coverage
Does Medicare cover medical costs for US citizens traveling to Switzerland?
- US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
The GlobeHopper Senior plan is available either as
Key benefits includes:
- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
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I’m a U.S. citizen traveling abroad. Can I renew my GlobeHopper Senior travel insurance plan if it has already expired?
Unfortunately, plans cannot be renewed after their expiration date. To stay protected, travelers should renew or extend coverage before the plan expires. If your policy has already lapsed, you’ll need to purchase a new plan for your next trip.
Why should I buy Medical evacuation travel insurance for traveling to Switzerland?
Travel insurance for Switzerland who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance”.
Both WorldTrips Atlas Medevac and Seven Corners Medical Evacuation and Repatriation plans offer reliable coverage for U.S. citizens.
Seven Corners Medical Evacuation and Repatriation
Trip Insurance vs Travel Health Coverage vs Global Medical Insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
Read More »What Is the Best Travel Insurance for a US Senior Vacationing in Switzerland?
The best travel insurance for a US senior vacationing in Switzerland are available on American Visitor Insurance. A very economical plan for seniors under 70 years is the Altas International plan which costs about $170 per month. You purchase it for the days you need coverage. For seniors under 80, the Patriot International Lite plan is the most economical which costs about $270 per month. If you are over 80 years of age and want at least $50,000 coverage (which would be required for a Long Term Europe visa), you must purchase the Safe Travels Outbound plan which costs about $670 per month. All of these plans will give you a “visa letter” you can download and print out if you need it for a Long Term stay and all are excellent options for visitor insurance while abroad. Note that prices are for a $50,000 maximum with a $0 deductible imitating the visa requirements, but if you do not need to satisfy those requirements, you can put a higher deductible on the policy and reduce the cost of the plan.
How Do I Get Travel Insurance for Switzerland from USA?
Getting travel insurance for Switzerland online is fast, easy, and secure. Follow these steps:
1
Determine Your Coverage Needs
Consider what type of coverage you need: medical emergencies, trip cancellation coverage, lost baggage, travel delays, or coverage for pre-existing conditions.
2
Compare Plans from Multiple Providers
You can easily compare best travel insurance forSwitzerland on American Visitor Insurance. We allow you to compare plans side by side based on the plan benefits, coverage limits, exclusions, and deductibles. For personalized assistance or any questions, call us at 877-340-7910 and our team will guide you through the process.
3
Choose a Plan and Get a Quote
Select your travel dates, age, and trip information to receive an immediate quote for the plan that best covers your trip.
4
Review the Policy Carefully
Read the insurance policy brochure, paying attention to exclusions, pre-existing condition coverage, and emergency services included.
5
Purchase the Travel Insurance for Switzerland Online
Once satisfied, you can purchase the plan online. Most insurance providers will give you an instant insurance certificate to use digitally or as a printed copy.
6
Keep Policy and Emergency Contact Info Handy
Print a copy of your insurance policy and emergency contacts for quick access during your trip.
Why Buy Travel Insurance for Switzerland From American Visitor Insurance?
- Compare multiple plans easily: American Visitor Insurance provides user friendly side-by-side comparison of travel medical insurance plans for Americans traveling to Switzerland from leading U.S. insurers like IMG, Trawick International, WorldTrips, BlueCross BlueShield, Travelex, Seven Corners, Global Underwriters, HTH Worldwide and Travel Insure.
- Customized for your trip: Choose from a range of travel insurance plans designed for different trip durations and coverage levels — from short vacations to extended stays in Switzerland.
- Ideal for all travelers: Whether you’re traveling for leisure, business, education, or a long-term stay in Switzerland, you can find a plan customized to your trip type and duration.
- Affordable & transparent pricing: No hidden fees. You see the best price directly from the insurer, guaranteed.
- Easy online purchase: Buy Switzerland travel insurance for U.S. citizens in minutes with an instant policy documents emailed to you.
- Expert support: Our licensed customer support team at American Visitor Insurance is available 24/7 to answer any questions during the purchase process. They can assist while completing online applications, extend coverage when it is needed, cancelling a plan if travel plans change, and to file insurance claims necessary.
- Trip cancellation coverage and best CFAR plans: Travel insurance for U.S. travelers visiting Switzerland including coverage for trip cancellation, medical emergencies, and Cancel For Any Reason (CFAR) benefits.
Best International Travel Insurance to Switzerland
Travel Insurance to Switzerland from USA - FAQs
Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.
Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings.
Buying Trip protection insurance for Switzerland can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
Buy Trip Cancellation Insurance
The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Switzerland. Healthcare costs can be high in Switzerland, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.sed on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes
- Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
- Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
- Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
- Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
- Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.
The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting Switzerland can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.
Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.
Travel insurance is not mandatory for US citizens visiting Switzerland. However, even if not mandatory, travel insurance for Switzerland is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.
When choosing travel insurance for your trip to Switzerland, consider the following factors
- Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
- Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
- Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
- Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
- Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.
When buying travel health insurance for Switzerland, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
U.S. citizens looking for pre-existing condition coverage have more flexible options compared to visitors coming to the U.S. For example, the Outreach International, Patriot International Lite, and Patriot International plans provide coverage for pre-existing conditions and do not exclude chronic conditions.
However, the Outreach travel insurance plan requires that the insured person already has a primary health insurance plan in place. This is different from inbound-to-U.S. visitor plans (such as Patriot America Plus or Atlas America), which only cover the acute onset of pre-existing conditions and specifically exclude chronic or congenital conditions from that benefit.
Direct billing availability depends on the medical provider in the country where you receive care. Some international hospitals and clinics may bill the insurance company directly for covered medical expenses.
If direct billing isn’t available, you can pay upfront and file an online claim through your provider’s claims portal. Reimbursements are processed after claim review and approval.
Examples of Travel Insurance Plans Offering Global Provider Networks:
- Patriot International Lite from IMG: Includes access to the International Provider Access (IPA) Network, which helps locate hospitals that may offer direct billing worldwide.
- Seven Corners Travel Medical (Basic and Choice): Connects travelers to the Wellabroad.com network for provider search, claim tracking, and medical assistance while abroad.
- Single Trip Insurance from Blue Cross Blue Shield (BCBS): Utilizes the Blue Cross Blue Shield Global network, giving travelers access to a wide international network of trusted hospitals that may support direct billing in many countries.
Overseas Travel Insurance for US Residents
Affordable coverage for medical emergencies abroad
How Do I Buy the Best Travel Insurance for Cruises?
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
- Best cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise.
- Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
- A cruise protection usually gives vouchers for the traveler if they miss the cruise
- Trip insurance, on the other hand, offers cash reimbursement.
- Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit.
- This gives the flexibility of cancellation the cruise vacation for any reason
- The traveler can get reimbursed up to 75% of the non-refundable trip expenses.
The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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What Are the Best Cruise Travel Insurance Plans?
- Cruise cancellation up to $30,000
- Missed Tour or Cruise Connection up to $250 per day up to $1,500
- Trip Inconvenience up to $250 each inconvenience up to $500
- Medical Evacuation up to $500,000
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- Cruise cancellation up to $10,000
- Missed Tour or Cruise Connection up to $500
- Trip Inconvenience up to $100
- Medical Evacuation up to $500,000
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- Cruise cancellation up to $100,000
- Missed Tour or Cruise Connection up to $500
- Emergency medical coverage up to $100,000
- Medical Evacuation up to $1,000,000
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What are the popular River Cruises in Switzerland?
Group Travel Insurance for Switzerland
Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event.
Why Group Travel Insurance?
Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting Switzerland.
Benefits of Group Travel Plans
The group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination.
American Travel Insurance Reviews
Reviews, Ratings and Experiences from our customers
Charlotte
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
Simon
"Thanks so much for your help American Visitor Insurance Customer Support, your service was fantastic."
Lori Fields
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company when we needed."
U.S. Embassy and Consulates in Switzerland
US Embassy in Bern location_on
Address
Sulgeneckstrasse 19, CH-3007, Bern, Switzerland
Email
bernniv@state.gov
Switzerland Embassy in US location_on
Address
633 Third Avenue, 30th floor, NY 10017-6706, New York, United States
Email
john.kubler@kistler.com
Useful Travel Insurance Resources for Switzerland
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Travel Insurance for Switzerland FAQ
FAQs about Switzerland travel insurance requirements.
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Switzerland Travel medical Insurance Blog
Blog about travel health insurance Switzerland travelers.
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Travel Insurance to Switzerland Forum
Customer Queries for USA travelers to Switzerland travelers.
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Best Travel Insurance for Switzerland Trip
Compare top plans for medical coverage, trip cancellation & more...
