The suitcases are packed, the neighbour's looking after the plants, and good friends took over the canary two days ago. The Brown family are looking forward to their holidays. On the way to the airport, Mr Brown's jacket is stolen in which he had his wallet, credit cards and passport including visa.

It's soon clear that Mr. Brown will not be able to board the plane, Mrs. Brown will have to depart on holiday on her own with the children. Although it's upsetting, the relief is even greater that at least the financial loss can be contained. Luckily, the Brown family took out travel insurance for the whole family. And this will cover the additional travel costs for Mr. Brown.

But travel insurance does more than offer protection before the trip. During the holiday too, or if you are unable to use concert tickets due to illness, for example, it pays off.

Facts & Figures on travel insurance

• Protection against the financial consequences of unused, delayed or interrupted trips
• Support with travel-related incidents in Switzerland and abroad
• Immediate assistance with a car breakdown or accident
• No deductible – regardless of whether you take out individual or combined benefits