Conclusion of a contract

• Why do I need travel insurance?

  Travel insurance is useful because it offers protection and financial security in the event of unforeseen circumstances that may arise before or during a trip. Here are the main reasons why it is useful: Cost coverage for cancellations (e.g. illness, accident, job loss) Worldwide medical emergency assistance, including repatriation Reduction of the deductible for rental cars up to CHF 3,000 Assumption of return travel costs up to CHF 5,000 if your dog or cat falls illFew readers

• Who can take out simpego travel insurance?

  simpego travel insurance is aimed exclusively at private individuals resident in Switzerland. travelinsuranceFew readers

• What is travel insurance?

  Travel insurance protects you from financial losses before and during your trip – e.g. in the event of: ✔ illness or accident ✔ trip interruptions & cancellations ✨ In addition, our assistance will help you worldwide! ✨ 🚀 Carefree travel – with the right protection! 🔗 Get covered nowFew readers

• Wie kann ich eine Reiseversicherung bei simpego abschliessen?

  🖥 Step 1: Calculate your premium Use the online premium calculator to get a personalized quote for your Travel insurance. 📄 Step 2: Take out the policy online Do you agree with the quote? Then you can take out the insurance policy directly online. ✅ Your advantages: ✔ Quick and easy online purchase ✔ Flexible choice of insurance modules: ✔️ Cancellation costs – protection in the event of cancellation before the trip ✔️ Personal assistance – help in the event of an emFew readers

• When does Insurance cover start?

  Inception of insurance: You choose the commencement date of your insurance when you take out the policy. 📅 Coverage begins at the time specified in the insurance contract. 📌 Important: ✔ Claims are covered provided that the relevant date of an event falls within the period of validity of the contract and the insured event (e.g. illness, accident, breakdown, etc.) had not already occurred or was foreseeable when the contract was concluded or the trip booked. ✔ Personal and vehicleFew readers

• Is there an age limit for Travel insurance?

  ✔ There is no age limit for top-up insurance. ✔ You must be at least 18 years old to take out a contract with simpego.Few readers

• Is there a waiting period for certain services?

  ✔ No! There are no waiting periods – Insurance cover is provided from the agreed start date. 📌 Important: Insurance must be taken out before the occurrence or foreseeable occurrence of the damage event.Few readers

Cover / Extent of insurance

• Which persons are insured?

  When you take out the policy, you can choose between two coverage options: ✔️ Individual insurance: The policyholder and any underage children travelling with them. ✔️ Household insurance: The policyholder and all persons living in the same household.Some readers

• Am I insured if my visa is refused?

  ❌ No. A visa refusal is not an insured reason for cancellation. Cancellation costs insuranceFew readers

• I'm abroad, but my home has been broken into – I just want to go home!

  If your home is damaged by a break-in, simpego will cover the costs of your quickest possible journey home.Few readers

• Are medical bills covered abroad?

  ✔ Yes! The insurance covers Healing costs abroad – even in countries with high health care costs such as the USA, Canada, Japan, Australia or Norway.Few readers

• In which countries is the insurance valid?

  simpego travel insurance is valid . Coverage for motor vehicle assistance is travelinsuranceFew readers

• Are treatments in private clinics also covered?

  ✔ Yes! If it is medically necessary, you can also be treated in a private clinic.Few readers

• What costs are covered by Cancellation costs insurance?

  If you have to cancel your trip due to an insured event, simpego will cover: ✔️ The contractually owed cancellation costs ✔️ Additional costs for rebooking ✔️ Sum insured: Up to CHF 30,000 (single person) / CHF 50,000 (family)Few readers

• Can I insure the deductible on rental vehicles?

  ✔ Yes! The personal assistance includes a reduction of the deductible for rental vehicles. ✔ If your rental vehicle is damaged or stolen, simpego will cover the deductible up to CHF 3,000.Few readers

• I am planning a longer language trip. Is this covered by insurance?

  Yes, language and holiday trips, internships and further education are covered by insurance, provided that: ✔️ The total duration of the trip does not exceed six months. ✔️ Your place of residence remains in Switzerland or Liechtenstein during the entire time.Few readers

• When does insurance cover apply to healing costs abroad?

  Healing costs insurance applies to unforeseen illnesses or accidents during a trip abroad. 📌 The following are covered: ✔️ Outpatient and inpatient treatment ✔️ Cost sharing such as deductibles or franchisesFew readers

• What is considered an insured trip?

  The insurance covers trips in Switzerland and abroad with a maximum duration of six months. For a trip to be considered insured, the following conditions must be met: ✔ The distance between the place of residence and the destination is more than 50 km. ✔ The trip includes at least one overnight stay. Note: ❌ The insurance does not cover trips to countries or regions for which the Swiss authorities or the World Health Organization (WHO) have issued a travel warning.Few readers

• Who is insured under the term household (family)?

  📌 Insured pets: 🔹Only the insured person's dogs and cats are considered insured pets. 🔹The insurance covers costs in the event of a claim (up to a maximum of CHF 5,000 for insured persons and pets together). 🔹The organisation of the services is the responsibility of the insured person. 🔹 Healing costs for pets are not covered. 📌 Important distinction: 🔹 Single person: the policyholder and minor children invited by the policyholder to travel (even if they do not live in the sameFew readers

• Am I covered in the event of strikes or pandemics?

  ✔ Yes! You are also covered in the event of unexpected events such as: strikes epidemics or pandemicsFew readers

• My wife and I live at separate addresses. Can we take out a joint Travel insurance policy with family cover?

  ❌ No. Household cover is only possible if both persons live in the same household. In your case, each person must take out a simpego Travel insurance policy for an individual.Few readers

• I had an accident during the holidays and my car was a total write-off – what now?

  ✔ Simpego covers the recovery costs and organises the repatriation or scrapping of your vehicle. ✔ In addition, the costs for your onward travel or your return home are covered. VehicleAssistanceFew readers

• Does the insurance also apply to cruises or camper van trips?

  ✔ Yes! simpego travel insurance also applies to cruises and trips by camper van or motorhome. Camper MotorhomesFew readers

• Am I also insured during business trips?

  ❌ No. No benefits are provided for business trips. ✔ Combined trips: If you combine business activities with a private trip, cover is limited to the private part of the trip, provided that these costs are not covered by a third party (e.g. employer). travel insuranceFew readers

• I am travelling with my minor grandchild who does not live with me. Is he also covered?

  Yes, minor children who have been invited by the policyholder to join them on the trip and who do not live with him in the same household are covered. travel insuranceFew readers

• Does the insurance cover complications during pregnancy?

  ✔ Yes! Unexpected pregnancy complications are covered – including medical treatment and repatriation if necessary.Few readers

• I became unemployed – can I cancel my trip?

  Yes! Sudden job loss is a covered reason for cancellation.Few readers

• I have lost my travel documents! – Who can help me?

  simpego will help you organise new documents and, if necessary, cover the additional costs involved.Few readers

• I can't go on my booked football weekend – what now?

  If you are unable to travel for an insured reason (e.g. illness or accident), simpego will cover the cancellation costs, including admission tickets.Few readers

• What happens if my home is severely damaged during my trip?

  If your home is severely damaged by fire, burglary or natural hazards, simpego will cover the costs of your return journey as quickly as possible.Few readers

• My pet is suddenly seriously ill – I just want to go home!

  If your dog or cat becomes unexpectedly seriously ill or dies during the trip, Simpego will cover the cost of the return journey up to CHF 5,000.Few readers

• Does travel insurance also cover spontaneous bookings or last-minute trips?

  ✔ Yes! Your last-minute trips are covered as long as you take out the insurance before booking.Few readers

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Contract

• Can I adjust or extend the insurance retrospectively?

  ❌ No. It is not possible to make changes or adjustments retrospectively – changes can only be made at the start of the next insurance year.Few readers

• When does my insurance start and how long does it last?

  🕒 Insurance cover begins: ✔ Cover begins at the time specified in the insurance contract. ✔ Cancellation costs insurance only applies if it was taken out before the trip was booked. ✔ Other insurance benefits apply from the start of the contract, provided the premium has been paid. 📆 Duration & renewal: ✔ Travel insurance is valid for one year and is automatically renewed if it is not canceled.Few readers

• How long is the contract and how is it renewed?

  The insurance is taken out for one year and automatically renews unless you cancel it. DurationoftravelinsurancecoverFew readers

Claim

• How do I report a claim under the travel insurance?

  How do I report a claim under the travel insurance? Travel insurance claims are processed by our partner, TAS Versicherungen AG (TAS). 📞 In case of emergencies or assistance requests: Call the TAS operations centre immediately on +41 58 827 59 95 (available 24/7). 🚨 Important: Medical emergencies and breakdowns must be reported by phone – even if you are back home by now. 📝 Online claims reporting: You can report the following cases online: Trip canSome readers

• How do I report an emergency abroad?

  Travel insurance claims are processed by our partner, TAS Versicherungen AG (TAS). 📞 In the event of an emergency abroad: Call the TAS emergency call centre immediately on +41 58 827 59 95. The emergency call centre is there for you 24 hours a day, 365 days a year.Some readers

• How can I claim back my cancelled trip?

  If you were unable to go on your trip for an insured reason, you can submit your receipts online using the claims form from our partner, TAS Versicherungen AG. 📌 Report a claim now: 🔗 Claims form TAS VersicherungenFew readers

• How can I claim back my event tickets?

  If you were unable to attend an event for an insured reason, you can submit your receipts online using the claims form provided by our partner, TAS Versicherungen AG. 📌 Report your claim now:* 🔗 Claims form TAS VersicherungenFew readers

Cancellation of the contract

• What is the notice period?

  Your contract cancellation must be received by simpego no later than one day before the end of the contract year. ✍️ This is how you cancel your contract: Simply use our online form: 🔗 Cancel Travel insuranceFew readers

• How do I cancel my travel insurance?

  You can cancel the insurance up to one day before the end of the insurance year using our online form. ⇒ Cancel travel insurance travelinsuranceFew readers

• Is there a right of cancellation after the contract has been signed?

  Yes, you have a 14-day right of cancellation after signing the contract. 📌 Important: ✔️ The contract is reversed. ✔️ Premiums already paid will be refunded if no benefits have been claimed. ✍️ This is how you cancel your contract: Simply use our cancellation form: 🔗 Travel insurance cancelledFew readers