What travel insurance do I need when visiting Switzerland?

Travel insurance for Switzerland: An invaluable ally during your stay

Switzerland is one of the 26 countries making up the Schengen Area - although it is not in the European Union. Famous for its mountains, as well as its amazing culinary delights such as chocolate and cheese, Switzerland is also a great summer destination, with the shores of Lake Geneva providing sun, relaxation, and activities that make it a favorite playground for the world’s wealthy.

Whether you want to visit for a holiday or for work, it’s possible that you might require a Schengen Visa to enter the country. We will provide you with any information that might be useful for your future trip, from the necessity of travel insurance for Switzerland to the weather and must-see attractions.

A Schengen Visa allows you to visit Switzerland with the greatest of ease if you are not from a country with visa-free travel to the Schengen Area. Are you from a country that requires a Schengen Visa in order to visit Switzerland? Click here to visit the website of the Swiss embassy and to learn more about the documents and procedures required to obtain your visa.

Which countries can I visit with Schengen travel insurance?

Travel insurance for Switzerland

A valid passport is one particularly important requirement for the issuance of your Schengen Visa, but you will also need evidence of travel insurance for Switzerland and be asked to explain your reason for visiting. Your travel insurance policy will protect you from the cost of any accidents, illnesses or mishaps that may happen during your stay.

Evidence you have travel insurance for Switzerland will be requested when you are applying for your Swiss Schengen Visa. The policy must include coverage of emergency medical expenses, as well as costs of repatriation, up to a minimum of €30,000.

Of course, you may wish to take advantage of additional coverage options. Depending on your specific requirements, feel free to select a Switzerland travel insurance plan that includes the delivery of vital medication, glasses, contact lenses, and prostheses, as well as advance repatriation of other insured parties and luggage, for example.

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How do I get to Switzerland?

By plane: Switzerland has several international airports: Zurich, Geneva, Basel-Mulhouse-Freiburg, Bern, and Lugano. Various regular and low-cost airlines offer daily flights from a number of cities around the world.

By bus: Eurolines offers journeys at a lower price. You will be able to get to any of the country’s big towns and cities, but also the smaller towns. The journey is often long, but economical.

By train: You won’t have any difficulty finding a ticket to Switzerland from France, Italy or Germany. It is advised you reserve in advance to get the best fare.

By car: Switzerland, perhaps more than any destination, is tailor-made for road trips. It has inspiring panoramic views at every bend in the road and some of the most amazing natural landscapes in Europe. It’s also a great way to get to the country’s ski resorts while staying in one of its cities, like Geneva. However, you may have to pay tolls for highways or tunnels, and must have winter tires or snow chains when traveling in the winter months.

Advice on health and vaccinations

There are no compulsory vaccinations for visiting Switzerland. It is advised you be vaccinated against diphtheria, tetanus, and polio. If you are visiting rural areas in spring or summer, vaccination against tick-borne encephalitis may be advisable. To be safe, consult your doctor.


As soon as you leave the lowland areas, you will quickly realize that temperatures can be cool, even in summer. This is the case in the Alps, in particular. Nevertheless, if you are looking for more pleasant temperatures, you will be able to head for the south, to Ticino. In winter, temperatures can be freezing, while summer temperatures vary between 20 degrees Celsius and 25 degrees Celsius. Starting in spring and throughout summer, storms are not a rare sight, so remember to pack clothes suitable for rain.

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Discover Switzerland

Begin your exploration of the country in Geneva, including a visit to the Old Town, St. Peter’s Cathedral, and the Russian Church. If the weather suits it, head to Lake Geneva for a scenic stroll. There is no lack of green spaces here; take a walk through the Botanical Gardens in spring, pausing to admire the beautiful colors.

Swiss towns each hold a different appeal; from Zurich to Lucerne via Lausanne, Basel, and Freiburg, each will charm you with its green spaces, culture, and architectural wealth.

For a typical Swiss postcard landscape, head to Valais or Grisons. Spend your time hiking and admiring the surrounding mountainous landscape.

Ticino is the warmest region in summer. It is the perfect canton for enjoying pleasant temperatures, long walks, and an appealingly easy way of life.

Switzerland is famous for its ski resorts. Wengen is one of the oldest Alpine resorts in Europe, providing access to the country’s tallest mountain, the Jungfrau, which you can view by going up the railway that goes through the famous north face of the Eiger - a sheer rock face that has long been a bete noire of mountaineers. The Matterhorn is another famous peak for winter sports, accessible from the famous resorts of Zermatt and St. Moritz.


Switzerland is a very safe country. Nevertheless, you should remain vigilant, especially in tourist areas, on public transport, and in busy urban stations. If you want to go skiing, hiking or enjoy any other activity in the mountains, remember that you will be charged for any rescues or other assistance from the emergency services. Check the details in your travel insurance policy.

Practical information

The Swiss currency is the Swiss Franc. To exchange your money, bureau de change branches are available at the airport and in train stations, as well as in the big towns and cities. Banks generally close at 4.30pm, but you can still withdraw money from ATMs using your bank card.

Shops close at around 6.30pm during the week and between 4pm and 5pm at the weekend. On Thursdays, large chain stores generally open until 9pm in the bigger cities.

In Switzerland, you will hear several languages being spoken - French, German, and Italian - for the most part. But you won’t have any problem making yourself understood in English in the bigger towns and cities.

To obtain a Schengen Visa for Switzerland, officials insist you attest to being able to support yourself with around 100 Swiss Francs, or €92 per day. You will have to provide this information as part of your application.

How can AXA help?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Sweden and the other Schengen states from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.

AXA is the number one brand for Schengen Visa insurance, and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes the Europe Travel insurance, costing €1.50 per day, or the Schengen Multi Trip insurance, which is perfect for regular travelers and is available from €298 for a year’s coverage.

The other countries of the Schengen area

Austria travel insurance

Belgium travel insurance

Czech Republic travel insurance

Denmark travel insurance

Estonia travel insurance

Finland travel insurance

France travel insurance

Germany travel insurance

Greece travel insurance

Hungary travel insurance

Iceland travel insurance

Italy travel insurance

Latvia travel insurance

Liechtenstein travel insurance

Lithuania travel insurance

Luxembourg travel insurance

Malta travel insurance

Netherlands travel insurance

Norway travel insurance

Poland travel insurance

Portugal travel insurance

Slovakia travel insurance

Slovenia travel insurance

Spain travel insurance

Sweden travel insurance

Switzerland travel insurance

Frequently asked questions about travel insurance for Switzerland

Do I need to declare existing medical conditions to get travel insurance?

Yes you do and AXA has made it easy for you to do so by answering a few quick and confidential questions when making your application- to ensure you are covered.

Will my travel insurance fees be refunded if my visa is refused?

Yes. All you have to do is answer a few quick and confidential questions when making your application with AXA.

Will my insurance cover me for multiple trips to Switzerland?

This will depend on the type of insurance you buy - our low cost or Europe Travel insurance will cover you for trips within the Schengen Area for up to 90 days. If you are planning multiple trips over the course of a year- you may be better off with our annual Multi Trip policy.