Summer holidays during the coronavirus pandemic. Should I buy travel insurance?

Should I go on summer holiday in 2021?

Before making this decision, there are quite a few things that should be taken into account. On the one hand, the guidelines of the Federal Office of Public Health (FOPH), as well as those of the desired destination. Just make sure to keep a close eye on these guidelines, as the situation in each country can improve but also worsen very quickly.

Do I need a test to travel abroad? And do I have to go into quarantine?

This information should also always be checked with the local offices, as well as with those at your desired destination. Many countries currently (as of 8.7.2021) do not require quarantine when entering from Switzerland. As far as the testing regime is concerned: some countries require PCR tests with a travel certificate, in other countries the rapid test is sufficient. And in many a vaccine confirmation is enough to enter or leave the country. Just keep in mind that also here the rules differ, depending on the means of transport chosen.

What if the situation in Switzerland or in my holiday destination suddenly changes and I can’t travel?

As a rule, tour operators, airlines and hotels are accommodating in these cases. The trip can either be cancelled or rebooked. Caution: Some tour operators first try to issue a voucher instead of a refund. You can refuse this (often within a specified period) and insist on a cash refund.

Is there an advantage of having travel insurance?

Here, the situation must be assessed individually - depending on the travel insurance and the situation. We at Caveo will be happy to arrange this for you.

It is important to understand that the current guidelines laid down by the authorities apply and that the tour operators, transport companies and also the insurance companies must adapt to them. Example (fictitious scenario): You have booked a flight to Spain, but an entry ban applies at the time of travel. Here, the airline has to comply with the rules (= external, uncontrollable influences) and offer a rebooking or free cancellation of the trip. The insurance does not come into play here, but can guide you through the process step by step.

Is travel insurance worthwhile at all in Covid times then?

Basically yes. Because different airlines have different rules. Travel insurance is a great advantage if you, or a close person (family, partner) you have to take care of, falls ill with Covid-19. Then the insurance will take care of the cancellation and reimbursement of the travel costs.

In addition, travel insurance can save you a lot of time and nerves, especially during this time. For example, in the case of flight cancellations: Many travellers complain that airlines refuse to reimburse cancelled flights and hand out vouchers instead. With its standardised processes, travel insurance can help you to get your money back quickly without having to conduct the time-consuming correspondence with the airline yourself.

And yet: Whether you spend this summer at home or venture to a beach is something each person has to decide for themselves carefully and with consideration of the respective guidelines. Either way - we at Caveo wish you a perfect summer! And if you have any questions about the "perfect" travel insurance, we will be happy to advise you free of charge in finding the most suitable and affordable solution for you.