Annual travel insurance for vacation trips

Bernhard travel insurance broker

The most important facts in brief

Whether it's medical assistance abroad, trip cancellation or luggage protection - with just one policy, you are fully covered all year round. Simply take out the policy, travel as often as you like and enjoy worry-free enjoyment.

Comprehensive travel cover

Tailor-made packages for domestic and international travel with optional trip cancellation insurance and luggage insurance for maximum security.

Travel cancellation insurance

Reimbursement of cancellation costs in the event of illness, accident or other unforeseeable events - recommended for carefree travel planning.

International health insurance

Affordable rates including outpatient and inpatient treatment as well as medical repatriation for optimum health protection abroad.

Reliable partner

Fast processing, flexible rates and customer-oriented assistance services make Bernhard Reise a trusted customer favorite.

Vacation

Our annual travel insurance for vacation trips

Annual travel health insurance

Annual health insurance

Annual international health insurance covers medical costs and benefits if you fall ill abroad.

No excess
up to 56 days per vacation trip
any number of trips
Affordable family tariff

from 9,90 € per person

► Take out a policy now

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Annual travel cancellation insurance

Annual trip cancellation

Cancellation insurance including trip interruption protects you financially - whether you have to cancel before the start of your trip or end your trip earlier.

Worldwide travel cover
Travel up to a maximum of 45 days is insured
any number of trips per year
incl. travel interruption insurance
travel & care app with emergency services

from € 41 per year

Take out insurance now

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Annual all-round protection

Annual all-round cover

Cancellation, curtailment and delay cover keeps you flexible - even if you have to cancel, end your trip or face unexpected delays.

Worldwide travel cover
up to 56 days per vacation trip
any number of trips
incl. trip interruption insurance
incl. delay insurance
Sports & activity insurance
travel & care app with emergency services

from € 47 per year

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Your advantages at a glance

What are the advantages of annual travel insurance?

An annual travel insurance policy offers comprehensive cover for your trips - from protection in the event of cancellation and trip interruption to medical assistance abroad and round-the-clock assistance services. These four benefits make it particularly attractive:

Cost efficiency & planning reliability

Cost efficiency & planning security

Cheaper than any individual insurance from the second trip onwards.

Permanent cover

One contract - valid for any number of trips within a year.

Flexibility & spontaneity

Even short-term or unplanned trips are covered.

Comprehensive protection

Comprehensive travel insurance

Many benefits for relaxed and safe travel.

What are the benefits of annual travel health insurance?

Annual travel health insurance

With our travel health insurance, we offer you the highest level of protection and maximum security for your health while traveling - worldwide, flexible and reliable. While statutory health insurance only provides limited cover abroad, we provide you and your family with comprehensive cover against unexpected costs in the event of illness. So you can enjoy your vacation worry-free and with the best possible cover.

Why additional cover is essential:

High costs for medically necessary return transportation are covered in full - even if these are not paid for by statutory or private health insurance.
Protection against expensive private fees abroad if the European Health Insurance Card is not accepted.
Trustworthy all-round service worldwide with immediate assistance in an emergency - available 24/7, flexible and reliable.

Further information: Guide to private travel health insurance

Services in detail

What benefits does the AKV include?

With our annual travel health insurance (AKV), you can enjoy the peace of mind of being optimally covered on every trip - worldwide, flexibly and reliably. Discover the most important benefits and comprehensive services that give you maximum security and worry-free travel.

Below you will find the detailed insurance conditions for annual international health insurance. These contain all the important information on benefits, exclusions and applicable regulations. Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

Insurance conditions for annual travel health insurance

Our recommendation for thrifty frequent travelers - annual international health insurance

Pay once, protected for the whole year: Insurance cover for any number of trips within a year.
Cost advantage over individual insurance policies: Often cheaper from the second trip onwards.
Quick & easy to take out online: ready for your next trip at any time.

From €9.90 per year

► Travel safely now

What are the advantages of annual travel cancellation insurance?

Annual travel cancellation insurance

With our annual travel cancellation insurance, we offer you reliable protection against high cancellation and curtailment costs - worldwide, for any number of trips per year. Whether unexpected illness, accident or other unforeseen events: We cover you and your family so that planned vacation dreams don't turn into expensive nightmares.

Why additional protection is essential:

Unexpected cases of illness or accidents can prevent you from traveling - without insurance, you will quickly pay several thousand euros in cancellation costs yourself.
Cancellation in the middle of your vacation means a double burden: unused benefits and additional return travel costs - we reimburse both.
Financial risks despite cheap offers: Cancellation fees, hotel and flight costs quickly add up, even with economy trips - we reliably insure you against this loss.

Services in detail

What benefits does the RRV include?

With our annual travel cancellation insurance (RRV) including trip interruption, you are optimally protected all year round - before, during and even in the event of premature termination of your trip. Discover the most important benefits and extensive services that give you maximum security and allow you to travel without worries.

Below you will find the detailed terms and conditions of the annual cancellation insurance. They describe all benefits, exclusions and relevant regulations. Only the insurance policy and the insurance conditions contained therein are authoritative and legally binding.

►Conditions of insurance for annual travel cancellation insurance

Benefits and insurance conditions - Travel insurance

What advantages does annual travel insurance offer?

Annual all-round protection

We offer you all-round carefree annual cover that guarantees maximum security and flexible cover for all your trips worldwide. With our complete package of cancellation costs, travel interruption, travel health and baggage cover, you are reliably protected against unforeseen events - for carefree vacation and business trips. So you can enjoy maximum security at all times and travel with peace of mind.

Why comprehensive cover makes sense:

Unexpected cancelations or trip interruptions can cause high financial losses - we cover the costs.
An accident or illness abroad can quickly result in expenses that threaten your existence - we provide you with comprehensive cover.
Lost or damaged luggage means stress and expensive replacement purchases - we reliably protect your belongings.

Services in detail

What benefits does all-round cover include?

With our all-round carefree annual cover, you can rest assured that you are optimally protected on every trip worldwide - flexibly, comprehensively and reliably. Discover the most important benefits and services that guarantee you maximum security and carefree travel.

Annual travel cancellation insurance is particularly suitable for anyone who travels several times a year - whether for a short break, business trip or long vacation. This tariff can be worthwhile from the second trip onwards, as it provides comprehensive protection against high cancellation and curtailment costs.

Further important information and benefits of annual travel cancellation insurance:

Who is this insurance for:	Persons resident in Germany or the EU/EEA, optionally as a single person, couple or family insurance (maximum of two adults and children up to and including the age of 25).
Number of trips:	Insurance cover for any number of trips per year. Travel health and baggage insurance: up to 45 days per trip. Cancellation costs and trip interruption insurance: regardless of the duration of the trip, up to a maximum of 1 year in the event of trip interruption.
Start of insurance:	Cover from the start of the contract, but not before booking the trip. Cancellation cost cover from booking the trip. Trip interruption cover from the start of the trip.
Deductible:	For tariffs with excess: 20 % of the reimbursable loss, at least € 25 per person. For travel health and luggage insurance: € 100 per claim (if agreed).
Insured events:	Unexpected illness (incl. Covid-19), accident, death, pregnancy and complications, vaccination intolerance, termination for operational reasons, significant damage to property and much more.
Benefits:	Reimbursement of contractual cancellation costs in the event of non-commencement of the trip Reimbursement of unused travel services in the event of curtailment Assumption of additional return travel costs in an emergency Comprehensive health cover abroad incl. repatriation and rescue costs Assumption of costs in the event of delayed arrival or vehicle breakdown Cover in the event of loss, damage or late arrival of luggage Cancellation advice from doctors - competent decision-making support before departure
Payment:	Once the obligation to pay benefits has been established, payment is made immediately, at the latest within 2 weeks.
End of insurance:	The contract runs indefinitely and is automatically extended for a further year if it is not terminated in writing one month before the end of the insurance year.

Below you can view the complete insurance conditions for all-round travel insurance. They explain all benefits, exclusions and relevant regulations. Only the insurance policy and the insurance conditions set out therein are binding and legally authoritative.

►Conditions of insurance for annual all-round cover

Benefits and insurance conditions - Complete cover

Service

What should I do in the event of a claim (illness)?

Insurance brokers - claims reporting support

Major injuries, illnesses or emergencies:

Contact your insurer's 24-hour emergency hotline immediately.
Discuss the next steps.
Request a declaration of assumption of costs for inpatient stays.

✆ Hotline for single trip health insurance ✆ Hotline for annual travel health insurance

Minor accidents / outpatient treatment:

Keep receipts & documents in a safe place.
Report claim online.
Reimbursement to the specified account after verification.
Keep originals for queries.

To the online claims notification

Important information on invoices & prescriptions:

Name of the person treated & illness.
Date of treatment & medical services with costs.
Prescriptions: Name of medication, price & pharmacy stamp.

Reimbursement: Payment is made approx. 2 weeks after verification; missing documents may be requested later.

Our recommendation for peace of mind - annual travel cancellation insurance

Pay once, insured for the whole year: cover for any number of trips within a year.
Ideal for single travelers, couples and families: individual cover depending on travel sum and age.
Including trip interruption: reimbursement of unused benefits & additional return travel costs.
All-round protection worldwide, with 24/7 assistance.

From € 41 per year

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Our recommendation for all those who do not compromise - the all-round carefree annual cover

Travel as often as you like - covered for a whole year with just one premium
Protection worldwide: for short trips, summer vacations or road trips
Comprehensive benefits: Cancellation costs, trip interruption, travel health and baggage cover
24/7 assistance - quick help and support in an emergency

From € 53 per year

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Good reasons for a broker

Why is a travel insurance broker a good choice?

Time and cost savings

We compare rates, negotiate conditions and save you time-consuming research.

Support in the event of damage

Support in the event of a claim

As a broker, we are at your side in the event of an emergency and help you to assert claims quickly and easily.

Tailor-made cover

Instead of standardized contracts, you get insurance that fits your trip exactly.

Digital and secure

With a rate calculator, digital customer account and online claims reporting, we make your cover simple, fast and up-to-date.

You can rely on our expertise - independent, experienced and always at your side when it matters!

►Choosing insurance cover

Bernhard Reise - Top travel insurance broker

Insurance made easy - our rate calculator

Travel insurance made easy

Select your desired tariff - perfectly tailored to your trip.
Enter your details - quick, easy and stress-free.
Secure extras - add them individually as required.
Convenient online payment - secure & flexible.
Direct protection - policies immediately available digitally in your customer account at any time.

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Travel preparation

Who this insurance is for:	Persons resident in the Federal Republic of Germany as well as families (maximum of two adults and children up to the age of 21)
Number of trips:	The insurance cover applies to any number of temporary insured trips taken within one year.
Start of insurance:	Insurance cover begins after payment of the premium, upon crossing the border into a foreign country, for all trips commenced after conclusion of the contract.
Payment:	As soon as proof of insurance and premium payment has been received and the obligation to pay and the amount of compensation have been determined, payment will be made within 2 weeks at the latest.
End of insurance:	The insurance cover is tacitly extended for a further year in each case if it is not terminated in writing by the policyholder or the insurer with a notice period of three months before expiry.

Annual travel insurance for vacation trips
Year-round travel cover - reliable, flexible and digital

The most important facts in brief

Comprehensive travel cover

Travel cancellation insurance

International health insurance

Reliable partner

Our annual travel insurance for vacation trips

Annual health insurance

Annual trip cancellation

Annual all-round cover

What are the advantages of annual travel insurance?

Cost efficiency & planning security

Permanent cover

Flexibility & spontaneity

Comprehensive travel insurance

Annual travel health insurance

What benefits does the AKV include?

Annual travel cancellation insurance

What benefits does the RRV include?

Annual all-round protection

What benefits does all-round cover include?

What should I do in the event of a claim (illness)?

Why is a travel insurance broker a good choice?

Time and cost savings

Support in the event of a claim

Tailor-made cover

Digital and secure

Travel insurance made easy

Further information on the subject of travel

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