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Cancellation Policy

We know that no one, not even us, enjoys reading the "fine print," but it is an essential part of our Agreement and partnership. Bear with us and familiarize yourself with our Cancellation Policy before making a booking. Transparency is paramount for us, as we value your trust in us.

In a nutshell: We advise travelers to review their insurance coverage before traveling and suggest obtaining extra travel and cancellation insurance. The policy outlines conditions under which a traveler may receive a (partial) refund and conditions that do not qualify for a refund.  We remain as flexible as possible!

If there is any part of this Cancellation Policy that you disagree with,

please do not use our travel services.  

Last updated on 27.01.2023


Before traveling, we strongly recommend You review your insurances to ensure You have appropriate coverage to meet all your needs and those of your travel companions in case of any loss of property or illness, injury, or death.

We strongly recommend You obtain travel and cancellation insurance for the entire duration of your trip. This is further protection from unexpected circumstances that might force You to cancel your trip. 


Although our General Terms & Conditions and Cancellation Policy are more flexible than ever, we can not predict all eventualities or cover a short notice cancellation. 


The Zurich Insider does not offer any health, travel, or cancellation insurances.


Cancellations and Changes in Bookings (How to)


Send all cancellations and changes request in writing to 


Cancellation and Changes in Bookings by You


Cancellations and changes to your booking/s (i.e., any change in itinerary, number of guests, or the Experience date) must be made in writing (e-mail or letter) and are legally binding once confirmed by TZI. Additional fees might apply. 


Should You find yourself in the position of having to cancel your booking/s, You are entitled to a refund of the following amounts:


Number of days before your trip:​

  • 16+ :100% Refund of the total trip cost

  • 15-0: 0% Refund of the total trip cost

The one-time planning/consulting fee is non-refundable.


Should you cancel your Experience 16+ days before your original date, You can postpone your Experience to a later date within the same calendar year for no additional cost (if available). 

If You defer to the following calendar year and any subsequent dates after the first new date, You will have to pay an additional administration fee of CHF 100.00 per person.

You may transfer your Experience to someone else if You are prevented from traveling, provided you inform us at least one week before the Experience. All related costs relative to the transfer (to suppliers or us) and any open balance payments must be settled before transferring the Experience to someone else. 


Unforeseeable Events — Force Majeure 


You may receive a refund of the Experience Price if prevented from traveling or taking the Experience because of an impersonal unforeseeable event - Force Majeure that makes it dangerous and unsafe to take the Experience, including but not limited to:


  • meteorological hazards and natural disasters (flood, forceful wind, fire, etc.)

  • official measures and travel restrictions

  • demonstrations & political disturbances (war or threat of war declared or undeclared, acts of terrorism, sabotage, insurrection, riots, strikes, civil disturbance)

  • difficult road and traffic conditions (accidents, etc.)

  • flight cancellation and no re-booking possible 

  • pandemic and quarantine measures 


The following do NOT constitute Unforeseeable Events or Force Majeure:


  • Illness or injury of an Experience participant

  • Poor weather conditions (rain, snow, etc.)

  • Change of plans

  • Oversleeping

  • Missing a plane/train/boat

  • Not able to travel as planned because of entry/exit requirements or policies/mandates in place in any country of the planned trip. It is up to You to stay on top of these requirements.


You may have to provide verification to confirm that You could not take an Experience if You request a refund under this provision. Please check with us if You have any questions regarding this refund option. 


Cancellation by The Zurich Insider 


TZI reserves the right to cancel any booked Experience at any time and for any reason determined in our sole discretion, including but not limited to:

  • lower quality of the trip

  • the safety of travelers is judged to be compromised

  • meteorological hazards and natural disasters (flood, forceful wind, fire, etc.)

  • official measures and travel restrictions

  • demonstrations & political disturbances (war or threat of war declared or undeclared, acts of terrorism, sabotage, insurrection, riots, strikes, civil disturbance)

  • difficult road and traffic conditions (accidents, etc.)

  • pandemic and quarantine measures 


In such a case, TZI is only liable for refunding the Experience Price if no alternative Experience is offered and will try to refund all payments received. 


However, there might be unrecoverable third-party deposits that cannot be reclaimed as the planned date of a trip nears. Therefore, a 100% refund may only sometimes be possible. We will recover as many expenses as possible for our clients' benefit.

If the Experience is stopped early due to the fault of TZI, You will receive a refund for the missing part/days based on a percentage of the canceled part/days. No refund/s can be given on other expenses related to your trip, such as airfares, unpaid holidays taken, etc.

If TZI determines in good faith to operate an Experience, then no refund under this paragraph shall be payable for that Experience. If You were to cancel a reservation anyway, You are bound by this cancellation policy. 



Changes in Experience Prices or Experiences by You


The Customer (You, travel agent, third-party) who has booked an Experience with us can request to modify the Agreement in writing. We are not bound to change the Agreement.


We will inform the Customer of the new Experience Price. If the Customer agrees to the modification costs, then the new price and modification costs are due. If the new price is lower than the original price, the alteration costs are compensated by the difference.


Changes in Experience Prices or Experiences by The Zurich Insider


TZI reserves the right to change the agreed price of any existing bookings, in case of unforeseeable and extraordinary circumstances, including but not limited to:


  • newly introduced or raised taxes, charges, or fees of third-party providers


In case of unforeseeable circumstances, we will swiftly inform You of any changes to our prices or Experiences in writing. You will bear all the additional costs. However, if You decide to withdraw from the contract within five (5) days from our communication of the price changes, You are entitled to a full refund. Excluded are any further compensation for damages incurred. 


While TZI endeavors to operate all Experiences as initially described, we reserve the right to change the Experience's itinerary at any moment (before/during). 


The itinerary/description provided for each Experience are indicative, as the itineraries and other details may be subject to modification without prior notice due to force majeure or any local circumstances.


Before booking an Experience, check the description on our website, as changes are possible at any time. Of course, we will inform You directly as soon as reasonably possible as well.

When a significant change is made and communicated prior to departure, You can: accept, receive a refund, or accept the alternative Experience offered. 


In case of changes made after departure, in extraordinary emergency circumstances at our discretion (for your safety, health, comfort, etc.), You will cover the additional cost of any necessary itinerary alterations. Please note that we are not responsible for any incidental expenses due to the change of itineraries such as visas, vaccinations, or non-refundable flights.


If the alternative solution is more expensive than the initially booked Experience or You deem it unreasonable, You will be offered withdrawal free of charge. Further compensation for damages due to change(s) in Experience Prices or Experiences is excluded.

In case of a flight/train/boat delay, TZI will try to accommodate your itinerary, but changes and penalties might apply. These penalties are your responsibility.




The Zurich Insider may modify and amend this Cancellation Policy from time to time at its sole discretion. TZI will provide notice to you by posting such changes on the site. No correspondence will be held about amendments to this policy. 


Don't hesitate to get in touch with us if you have any questions about our Cancellation Policy.

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