Luma Logo

Navigation Menu

Use this menu to navigate through the main sections of the LUMA website.

Turquoise alpine lake surrounded by green meadows and rugged mountain peaks, Swiss Alps

Travel Insurance for Switzerland, Fully Covered with LUMA

From Alpine rail journeys and ski towns to scenic drives and city breaks, LUMA travel insurance keeps your Switzerland trip protected.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Switzerland.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Switzerland calling? We go above and beyond to make sure your trip stays golden.
  • Hiker at a mountain viewpoint overlooking snow-covered peaks and a glacier, Switzerland
    Traditional wooden chalet balcony overlooking a green alpine hillside, Switzerland
    Aerial view of a lakeside village with boats and mountains, Switzerland

    01 Ski injury on the slopes in Zermatt or Verbier?

    The Matterhorn Glacier Paradise and Verbier's terrain are world-class, but a fall on piste can mean a REGA helicopter rescue, a clinic visit, or a hospital stay, and Switzerland's medical costs are among the highest in Europe. All LUMA plans cover accidents while recreational skiing on marked pistes, as long as you're not competing or skiing professionally. If you're hurt on the slopes, LUMA covers the eligible medical costs and helps arrange transfer to a hospital if needed.

  • Historic riverside buildings and flags along the water in Lucerne, Switzerland
    River flowing through town with a footbridge and snow-capped mountains in the background, Switzerland
    Swiss flag flying atop a church tower overlooking Lake Zurich and the city, Switzerland

    02 Altitude sickness above Jungfraujoch or in the high Alps?

    Jungfraujoch sits at 3,454 metres and Matterhorn Glacier Paradise at 3,883 metres, and altitude sickness can hit even fit travellers who ascend too quickly. Headaches, dizziness, breathlessness, and nausea that don't settle need proper attention. Weather conditions at high altitude can change rapidly even in summer, adding to the risk. Medipro can help you decide whether your symptoms need a doctor, and your LUMA policy covers the eligible treatment costs if you do.

  • Historic covered wooden bridge over a river with a grand building beyond, Lucerne, Switzerland
    Passengers boarding a red train on a station platform, Switzerland
    Traditional Swiss village with stone chalets set against snow-capped Alpine peaks

    03 Injured on a summer hiking trail in the Swiss Alps?

    Switzerland's marked hiking trails range from gentle lake paths to demanding Alpine routes, and a slip, a fall, or a twisted ankle on a trail above Grindelwald or Interlaken can mean a long way from help. If local facilities can't treat you, LUMA helps arrange medical evacuation to a better-equipped hospital. All LUMA plans include evacuation cover when it's medically necessary, which matters when the nearest hospital is a helicopter ride away.

  • Pedestrian street lined with traditional buildings and a Swiss flag, Switzerland
    Suspension bridge over a rocky cliff with snow-capped mountain in the background, Switzerland
    Turquoise glacial lake surrounded by green hills and misty mountains, Switzerland

    04 Switzerland trip cancelled before you fly?

    A Switzerland trip is rarely cheap, flight tickets and luxury Alpine hotels all get booked and paid for well ahead of time. If a serious illness, an injury, or a family emergency stops you from traveling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses for covered reasons like these, subject to your policy terms.

  • Church steeple and courtyard with mountains in the background, Switzerland
    Pedestrians walking through a historic town square with a church spire, Switzerland
    Small boat on a turquoise alpine lake framed by rugged mountain peaks, Switzerland

    05 REGA helicopter rescue on the mountain?

    Helicopter evacuations in Switzerland can cost upwards of €10,000, and the European Health Insurance Card doesn't cover them. Switzerland runs a public-private hybrid healthcare system where all care requires insurance or payment regardless of hospital type, so an uninsured visitor faces significant bills whether treated at a cantonal hospital or a private clinic. LUMA covers eligible medical expenses, including emergency evacuation costs under your plan, so a mountain rescue doesn't become an unmanageable financial event on top of a frightening one.

Country road beside a chalet with steep cliffs and waterfalls, Lauterbrunnen Valley, Switzerland
Traditional stone buildings with the Matterhorn mountain peak in the background, Zermatt, Switzerland
Hikers standing beside a Swiss flag on a mountain summit at sunrise
Chalet in a green valley with waterfalls streaming down steep cliffs, Lauterbrunnen, Switzerland
Traditional chalet beside a waterfall cascading down a cliff, Lauterbrunnen, Switzerland
Sunlit village street lined with traditional chalets between steep mountain cliffs, Switzerland
Turquoise alpine lake surrounded by green meadows and rocky mountains, Switzerland
Hikers on a green alpine trail with snow-capped mountain peak in the background, Switzerland
Traditional wooden chalets on a green alpine meadow with misty mountains, Switzerland
Historic clock tower and cobblestone street decorated with Swiss cantonal flags, Bern, Switzerland
Hiker at a mountain viewpoint overlooking snow-covered peaks and a glacier, Switzerland
Traditional wooden chalet balcony overlooking a green alpine hillside, Switzerland
Historic riverside buildings and flags along the water in Lucerne, Switzerland
River flowing through town with a footbridge and snow-capped mountains in the background, Switzerland
Historic covered wooden bridge over a river with a grand building beyond, Lucerne, Switzerland
Passengers boarding a red train on a station platform, Switzerland
Pedestrian street lined with traditional buildings and a Swiss flag, Switzerland
Suspension bridge over a rocky cliff with snow-capped mountain in the background, Switzerland
Church steeple and courtyard with mountains in the background, Switzerland
Pedestrians walking through a historic town square with a church spire, Switzerland

Your Switzerland Travel Insurance Questions, Answered

Alpine lake reflecting snow-capped mountain peaks and glaciers, surrounded by green hills, Switzerland

Real, and seasonal. Avalanches can be fatal even with light snow accumulation, and the Swiss avalanche danger level reached 4 (high) in Valais in January and February 2026. Avalanche season runs roughly December through April. Always check the daily avalance bulletin before any off-piste or backcountry winter activity, stick to marked pistes and trails, and download the REGA app (1414) before heading into the mountains. Off-piste skiing significantly increases avalanche risk and may affect your cover, so check your policy before going beyond marked slopes.

Yes, in specific areas. Pickpocketing is concentrated at transport hubs and at major tourist sites, particularly during busy seasons. The après-ski period sees a spike in passport and bag thefts, so keep valuables in a front zip pocket, your bag across your body, and your passport secured separately from your wallet. If something is stolen, report it to the Swiss Police on 117 and keep the report; you'll need it for any eligible claim under your LUMA policy.

Yes. Switzerland runs a public-private hybrid healthcare system where all care, whether at a cantonal hospital like Inselspital in Bern or a private clinic, requires insurance or payment. As confirmed by Australia's Smartraveller, you may need to guarantee payment in advance, and costs can be extremely high even for a standard emergency room visit. Whether it's altitude sickness near Jungfraujoch, a ski injury in Zermatt, or a tick bite after a forest hike, LUMA covers eligible medical expenses under your plan. Medipro can also help you decide whether your symptoms need a doctor and what kind of facility makes sense.

Yes, when it's medically necessary. Helicopter evacuations in Switzerland can cost upwards of €10,000, and the European Health Insurance Card does not cover them. Since all care in Switzerland requires insurance or payment regardless of hospital type, an uninsured visitor faces high costs at every stage, from the rescue to the hospital stay. LUMA helps arrange medical evacuation when local care isn't enough, and every LUMA plan includes evacuation cover when it's medically necessary. Download the REGA app (1414) before any mountain activity so you can call for help quickly if needed.

Yes. Switzerland visa applicants must submit proof of travel insurance covering a minimum of €30,000 for medical emergencies and repatriation, valid across all 29 Schengen countries for the full duration of the stay. Without a compliant certificate, a visa application can be refused. Travellers from visa-exempt countries can visit for up to 90 days without a visa, though ETIAS travel authorization is planned for the last quarter of 2026.Given Switzerland's high medical and evacuation costs, higher coverage is strongly recommended even for those who don't need a visa. LUMA plans offer USD 50,000 onwards in medical coverage, so all plans meet the minimum coverage requirement for a Schengen visa for Switzerland.

Yes, year-round. As confirmed by Canada's official travel advice, weather conditions in high-altitude zones can change rapidly even in summer, bringing sudden storms, flash floods, rockfalls, and mudslides. In winter, avalanches and heavy snowfall can close roads and cancel mountain transport. Download the AlertSwiss app from Switzerland's Federal Office for Civil Protection for real-time natural-hazard warnings before heading into Alpine areas. Most disruptions are a planning issue rather than a claimable event, but if a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay, with receipts and limits.

Go places, we’ve got you covered.

  • Aerial view of a green valley village with traditional chalets and snow-capped mountains, Switzerland
  • Vineyard-covered hillside overlooking a lakeside village and mountains, Switzerland
  • Red train crossing a snow-covered mountain landscape with dramatic peaks, Switzerland

Early planner or last minute booking- either works. Get an instant quote and buy online in minutes.

We use cookies to enhance your user experience, provide personalised content and analyse traffic. Cookie Policy.