How it works
Open the TWINT app and tap the “Insurance” partner function.
Select the travel insurance and enter your personal details.
Review the summary, confirm your selection and return to the TWINT app for fast and secure payment.
Take out travel insurance online with TWINT
Insure your booked trips directly in your TWINT app – quickly, easily and with special benefits.
Do I need travel insurance?
Would you like to enjoy your long weekend or your holidays safely and without any worries?
A travel insurance policy will protect you in the event of an unforeseeable incident, such as illness or an accident. This can be particularly worthwhile for expensive or long trips.
The travel insurance offered by our partner protects you from running up high costs – with efficient and beneficial all-round protection.
Good to know:
Our insurance partner provides a number of services, such as referrals to hospitals and doctors abroad, at all times of day.
In which cases will travel insurance intervene?
If you need to cancel your trip due to illness or an accident (including COVID-19), the resulting costs will be covered by the travel cancellation insurance.
If you need to cancel a planned trip due to an insured event, the additional costs arising from this will be covered by the curtailment insurance.
If you incur search, rescue or salvage costs following an accident, the costs arising from this will be covered by the insurance company. Exception: Claims involving search and salvage costs and medical costs abroad are not covered for incidents occurring in Switzerland, the Principality of Liechtenstein or in the location in which your legal place of residence is.
If you need to cancel a trip early due to a death or a serious illness in the family, the travel assistance service provided by the insurance company will organise and finance your extraordinary return travel.
Only included in continuous travel insurance: If you require emergency medical treatment when on holiday abroad, the insurance company will assume the medical costs incurred there. The insurer covers medical treatment costs abroad that are not covered by health or accident insurance.
Regardless of where you are in the world, our insurance partner will organise your transfer to the nearest hospital and will assume the associated costs. Should you need to be repatriated to a hospital in your place of residence, our partner will also be on hand to provide you with 24/7 professional support.
What are the advantages of taking out travel cancellation insurance via TWINT?
With TWINT, you can insure trips or holidays with even better conditions. Working together with our partner Würth Financial Services, we offer you the following advantages:
- Attractive conditions
Once you have successfully taken out an insurance policy, you will be covered immediately without a waiting period and without having to pay a deductible.
- Flexible offers
In your TWINT app, you will find flexible contract models – select between a single-trip insurance policy for a specific trip or continuous insurance with a minimum term of six months and then the possibility to cancel the policy with one month’s notice. In the single-trip insurance policy, you can insure up to six people. In the continuous travel insurance you can choose whether you want to insure only yourself or the persons living in your household.
- It’s quicker and easier to take out insurance
With no extra costs and without having to fill out any paperwork, you can take out travel insurance online in just a few steps in your TWINT app. You will receive instant coverage after taking out the policy and paying your premium. If you take out continuous travel insurance, the premium will be automatically deducted from your TWINT account every month.
- Simple processes
You can look forward to a simple process when reporting a claim: Simply report the claim in the TWINT app. Should you have any questions, you can also contact the insurance company directly from the app.
FAQ: Taking out travel insurance with TWINT
Here, you will find answers to the most frequently asked questions.
Why do I need travel insurance?
Your travel insurance will help you in the event of expensive incidents that can quickly occur prior to or during your travels. If you know that you will receive support in the event of an emergency or a claim, you will be able to plan your trip in a more relaxed frame of mind.
What kind of travel is insured?
Single-tip travel insurance: With this type of policy, only the trip that you specified when taking out the policy is insured. The cancellation protection will take effect once you have successfully taken out the policy. Continuous travel insurance: You are insured whenever you stay overnight outside of your usual place of residence, provided that the trip lasts longer than one day. This also applies if you plan a shorter trip at a location that is at least 30 kilometres away from your legal place of residence. Your trip must not exceed 180 days. However, your commute to work is not covered.
Which people are insured?
Single-tip travel insurance: You can insure up to six people, regardless of whether they are family, friends, work colleagues, etc., provided that they are travelling together with you. Continuous travel insurance: You have the choice between opting for all-round protection for you alone or for the “household” variant. With the second option, everyone in your household will enjoy insurance protection – regardless of whether you travel together or separately.
Is my insurance valid everywhere in the world?
The insurance cover applies worldwide. Please note the following exceptions to this rule: Claims involving search and salvage costs and medical costs abroad are not covered for incidents occurring in Switzerland, the Principality of Liechtenstein or in the location in which your legal place of residence is.
Is my business travel likewise insured?
No, you can only insure private travel.
How long is my contract term?
Single-tip travel insurance: The contract commences upon taking out the insurance and runs until you return from the specified trip. Continuous travel insurance: The minimum term is six months, after which time termination of the contract is subject to one month’s notice.
How do I make a claim?
You can make a claim quite easily in the app by sharing the key information with us. You can also send booking and cancellation confirmations together with this information. Should you have any questions, you can call the insurance company via the TWINT app. See detailed instructions on how to report claims.
Is there a waiting period for claims?
No, the insurance coverage will commence immediately after you have successfully taken out the policy. Any incidents that occur after the contract has been concluded are insured.
How do I terminate a continuous travel insurance policy?
You can terminate the policy directly in the TWINT app once the minimum term of six months has passed. To do so, simply tap the «Terminate insurance» button.
Do I pay a deductible in the event of a claim?
No, you do not have to pay a deductible.
How many claims can I make per year with a continuous travel insurance policy?
There are no restrictions on the number of claims you can make per year. Only the amount insured per claim is restricted – depending on the insurance model selected.
Other questions?
All of the answers to questions on insurances via TWINT are available here: