Private Clients UBS Credit Cards

UBS Travel Insurance Plus

Worry-free vacations



Wherever you travel you have the cover you need. This optional insurance package
protects you and your family from unforeseen financial risks.


General Terms and Conditions

Whether for trip cancellations, medical treatment or loss
of luggage for only 72 Swiss francs you can enjoy
peace of mind when traveling. (No charge for holders of
UBS Platinum Cards.)

Insured persons
Main cardholder
Spouse or partner living in the same household
Children under the age of 25 living in the same
household

Scope
The insurance cover is generally valid worldwide
1
.
The insurance cover is valid irrespective of whether
you pay using your UBS Credit Card or not (exception:
purchase protection
2
).
1 Exceptions can be found in the General Terms and Conditions of Insurance.
2 "Shop Garant" purchase protection only covers losses from the damage, destruction or
theft of objects for which at least 50% of payment was made using the main card or the
related second or partner card.
3 Insurance cover as per prevailing General Terms and Conditions of Insurance. Insurer is
AGA International S.A., Paris, Wallisellen branch office (Switzerland).
4 Excess of 200 Swiss francs.
5 Costs covered are those not covered by statutory social insurance or supplementary
insurance.






Insurance cover

Travel cancellation/curtailment
UBS Travel Insurance Plus reimburses you for costs if you
have to cancel your trip as a result of an insured event.
You are also covered if you have to start your trip late or
cut it short.

Medical costs abroad
Whether you unexpectedly need to see a doctor, have a
hospital stay or need medicines, UBS Travel Insurance
Plus will cover the costs you incur when traveling
outside of Switzerland, leaving you to concentrate solely
on getting better in the event of an accident or illness,
without having to worry about money.

Luggage insurance
If the items you take with you are stolen, damaged or
destroyed, your luggage insurance will cover the costs.

Delayed luggage
If your luggage arrives more than six hours late, you will
be reimbursed for the amount you have to spend on
emergency purchases (e.g. toiletries, t-shirts, etc.).

Delayed flight
If you miss your connecting flight because your first
flight was delayed by more than six hours, UBS Travel
Insurance Plus will cover additional costs such as those
which arise if you have to reschedule your flight.

"Shop Garant" purchase protection
The unique way to insure your purchases: if you use
your UBS Credit Card to pay for any items during your
trip or at home, these items are insured against theft
and damage during transit for a period of 24 hours.











Cover
3
Sum insured (maximum)
Travel cancellation/
curtailment
4

Individuals CHF 5,000
Families CHF 15,000
(per claim/year)
Medical costs abroad
5
per claim CHF 250,000
Luggage insurance
4
per claim CHF 4,000
per year CHF 8,000
Delayed luggage per claim CHF 300
per year CHF 600
Delayed flight per claim CHF 300
per year CHF 600
"Shop Garant" purchase
protection
2

per claim CHF 1,000
per year CHF 5,000


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FAQ

What are cancellation costs?
In order to avoid having to compensate clients if a trip
needs to be cancelled, travel companies contractually
agree with their clients what the consequences of
cancellations will be. These cancellation cost
arrangements generally feature in the travel company's
general terms and conditions of insurance or travel in
the form of lump-sum amounts, often as a percentage
of the travel price, staggered over specific periods up to
the date of travel. Cancellation costs are, effectively,
nothing other than compensation in a lump-sum form.

Why do I have to cancel my trip immediately if an
insured event occurs?
If an insured event occurs, you have to cancel your
arrangements immediately with the travel company,
rental company or event organizer, etc. as failure to do
so may result in cancellation costs becoming due or
higher cancellation costs being imposed. In addition,
you have to inform Wrth Financial Services AG,
Insurance Broker, P.O. Box 179, 8800 Thalwil, of your
claim in writing.

Why do I need to call the emergency hotline if my
trip is cut short?
If you call us, we can take the necessary steps and get
things started for any further measures that are
required. It also helps keep costs to a minimum for you.
In order for the curtailment of your trip to be classified
as an insured event, you need prior approval from the
emergency hotline.

Am I covered for illnesses that have already
developed before I travel?
No, there is no insurance coverage for illnesses or the
consequences thereof which already existed at the time
the insurance was entered into. Complications arising
due to the illness, deterioration or relapses, in particular
in connection with chronic or repetitive illnesses,
regardless of whether the insured person was aware of
their existence at the time the insurance commenced,
do not represent insured events.

When am I covered in respect of delayed flights?
If you miss a flight connection due to a delay of at least
six hours caused solely by the first airline, your insurance
cover will take care of the additional costs (hotel costs,
rebooking costs, telephone charges) necessary for you
to continue your journey, up to a maximum of 300
Swiss francs per incident and 600 Swiss francs per year.






What should I do if I am the victim of theft
abroad?
The local police authorities must immediately record in
detail the cause, circumstances and extent of the theft
or robbery in a police report.

What should I do if my luggage is damaged or
stolen in transit?
The transport company, responsible third party or the
management of the travel company or hotel must
immediately record in detail the causes, circumstances
and extent of the incident in writing.

Is the video or photographic equipment I rent
covered by my insurance?
No. The insured has to be the owner of the video or
photographic equipment for it to be covered. This
applies to all the items you take with you.

Are computers and computer equipment covered?
No. Computer hardware (desktops, laptops, projectors,
accessories, handhelds, etc.), cell phones and all types
of software are not insured.

How can I terminate my insurance?
The insured can terminate the insurance contract by
issuing notice in writing 3 months prior to expiry. This
written notice must be sent to UBS AG, Flughofstrasse
35, P.O. Box, 8152 Glattbrugg. The insurance cover will
thus terminate at the end of the period of notice.

Contact address:
Should you have any questions relating to this insurance
cover, the Customer Services department of the
insurance broker Wrth Financial Services AG will be
happy to help.

For more detailed information, queries, claims
notifications, etc.:
tel. +41-44-723 44 86 / fax +41-44-723 44 87.

For medical emergencies when traveling:
tel. +41-44-723 44 88 (round the clock).

The address for correspondence is:
Wrth Financial Services AG, Insurance Broker, P.O. Box
179, 8800 Thalwil.

Any questions?
We offer credit cards for all of your needs.
Your UBS advisor will be happy to help. Further
information is available at www.ubs.com/cards.