Club travel: Our group travel insurance for clubs & associations

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  • Favourable group rates
  • Easy online conclusion
  • Multiple awards
  • High customer satisfaction

from 0,23 € per day/person

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Overview of our travel insurances for clubs & associations

Youth groups

  • Youth travel abroad
  • Camps
  • Hut camps
  • Youth exchange

from 0,23 € per day/person

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Clubs & Associations

  • Training camp
  • Competitions
  • Tournaments
  • Club activities

from 0,23 € per day/person

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DJH Group Travel

  • Individual travel
  • Conferences
  • Family Travel
  • Group travel

from 0,90 € p. day/person (res. in BRD only)

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School trip/class trip

  • Travel abroad
  • City trips
  • School hostel
  • optional teacher's absence insurance

from 0,23 € per day/person

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Student Exchange

  • Exchange in Germany
  • worldwide exchange programs
  • GAPP
  • Cooperation with the LJR

from 0,23 € per day/person

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GAPP Student Exchange USA

Adult Education Centre

  • Travel with the VHS
  • Travel abroad
  • Travel within Germany
  • Educational leave

from 0,23 € per day/person

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Benefits of our travel insurances for clubs & associations

Travelling abroad is often risky, especially during sporting events, competitions or similar, injuries can occur quickly. To ensure that you receive adequate medical care in the event of an emergency, we recommend that every club or non-profit organization take out international health insurance. However, even with a large number of participants, the likelihood of a participant having to cancel unexpectedly increases. So that you are not left with the costs, you can protect yourself with a travel cancellation insurance. In addition, you can book a property package with us, which is tailored to the needs of clubs & Co.

The following insurances are included in the property package:

  • Liability insurance
  • Accident insurance
  • Legal expenses insurance
  • Baggage insurance (optional)

In the further course, we will introduce you to the individual insurances and their benefits.

Which travel insurance for clubs & co. makes sense?

Extensive insurance coverage is especially important for group trips with many travelers, which is why any of the travel insurance policies listed makes sense. Absolutely recommendable:

  • International health insurance
  • Travel cancellation insurance

All-round carefree protection:

  • Our property package

 

Our recommendations for travel insurance for international trips

Insurance for family travel abroad

Basic protection

Health insurance abroad

International health insurance for the family is the most important travel insurance and a must for every family vacation. Since the statutory health insurance does not usually offer sufficient protection abroad, you should take out additional insurance. It covers incurred medical costs, whether inpatient or outpatient, as well as costs for medical repatriation, if this is medically reasonable and justifiable.

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Note: Some private health insurances include foreign countries. Find out in advance whether this applies to you and, if so, which countries are covered and to what extent.

What applies to COVID-19?

  • Treatment of an acute Covid-19 disease (Attention: a positive Corona test does not yet represent a disease!)
  • Corona test for diagnostic purposes in the context of medical treatment abroad

Benefits of the international health insurance (excerpt)

Insurance line Scope of insurance  
Health insurance abroad  
Medical expenses for outpatient and inpatient medical treatment  
Pain-relieving dental treatment  
Repatriation costs for further treatment in the home country if medically necessary and justifiable  
Repatriation costs in the event of death  

Our property package

 

Our property package

Our property package includes a total of the following insurances:

  • Travel liability insurance
  • Accident insurance
  • Legal expenses insurance

Travel liability insurance

Travel liability insurance is absolutely recommended for families who do not have private liability insurance with worldwide coverage. Because even a small carelessness can cause personal injury, property damage or financial loss during a stay abroad. This can lead to high claims for damages, which are then asserted against you. The conclusion is possible until the day of departure. The liability insurance covers the costs in case of damage caused by family members for the duration of the trip.

Travel liability insurance cannot be booked separately, it can only be taken out in conjunction with the property package if you have the appropriate travel insurance.

Travel accident insurance

Travel accident insurance is also included in our property package for vacation insurance and basically works like private accident insurance. It provides financial compensation after accidents and also provides financial support in the event of disability, total disability or accidental death.

Legal expenses insurance

Not all legal protection insurance is valid abroad, but sometimes legal assistance is needed in foreign countries. The benefits correspond to a conventional legal protection insurance, only the scope includes foreign countries. Travel legal protection insurance cannot be booked separately, but only as part of a property package.

Overview of services (excerpt)

Line of insurance Scope of insurance  
Travel liability insurance    
personal injury and property damage 5 Mio.  
financial loss 1 Mio.  
damage to rented immovable property 500.000 €  
damage to rented movable property 1.000 €  
with deductible 50 € per insured event  
loss of keys 2.000 €  
with deductible 150 € per insured event  
Travel accident insurance    
Disability benefit 55.000 € (123.750 € in case of 100 % disability)  
death benefit under 18 years 10.000 € / over 18 years 25.000 €  
Daily hospital allowance with convalescence benefit 10 €  
Rescue costs 5.000 €  
travel legal protection    
judicial and extrajudicial assertion of claims for damages  
Defense in criminal proceedings or administrative offenses for labor and social law proceedings  
Sum insured 1.000.000 €  

For 5 persons or more, we offer particularly favorable and powerful group rates

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Recommended additional protection for travel abroad

Our property package

Our property package includes a total of the following insurances:

  • Travel liability insurance
  • Accident insurance
  • Legal expenses insurance

Travel liability insurance

Travel liability insurance is absolutely recommended for families who do not have private liability insurance with worldwide coverage. Because even a small carelessness can cause personal injury, property damage or financial loss during a stay abroad. This can lead to high claims for damages, which are then asserted against you. The conclusion is possible until the day of departure. The liability insurance covers the costs in case of damage caused by family members for the duration of the trip.

Travel liability insurance cannot be booked separately, it can only be taken out in conjunction with the property package if you have the appropriate travel insurance.

Travel accident insurance

Travel accident insurance is also included in our property package for vacation insurance and basically works like private accident insurance. It provides financial compensation after accidents and also provides financial support in the event of disability, total disability or accidental death.

Legal expenses insurance

Not all legal protection insurance is valid abroad, but sometimes legal assistance is needed in foreign countries. The benefits correspond to a conventional legal protection insurance, only the scope includes foreign countries. Travel legal protection insurance cannot be booked separately, but only as part of a property package.

Overview of services (excerpt)

Line of insurance Scope of insurance  
Travel liability insurance    
personal injury and property damage 5 Mio.  
financial loss 1 Mio.  
damage to rented immovable property 500.000 €  
damage to rented movable property 1.000 €  
with deductible 50 € per insured event  
loss of keys 2.000 €  
with deductible 150 € per insured event  
Travel accident insurance    
Disability benefit 55.000 € (123.750 € in case of 100 % disability)  
death benefit under 18 years 10.000 € / over 18 years 25.000 €  
Daily hospital allowance with convalescence benefit 10 €  
Rescue costs 5.000 €  
travel legal protection    
judicial and extrajudicial assertion of claims for damages  
Defense in criminal proceedings or administrative offenses for labor and social law proceedings  
Sum insured 1.000.000 €  

Recommended additional protection for domestic and international travel

Travel Cancellation Insurance

The travel cancellation insurance covers the whole family if the family vacation can not be taken. Be it because of an acute illness, vaccination intolerance, pregnancy, serious accident or death. The travel cancellation insurance is especially recommended for family trips, because they are usually more expensive trips. Benefit here from our favorable family rates. In addition, we offer separate cancellation insurance for hotels, seminars or tickets, as well as last-minute travel cancellation insurance.

Travel cancellation benefits (excerpt):
Assumption of cancellation fees
Return travel costs that exceed the travel price
Note: Must be taken out no later than 14 days before the start of the trip

You can take out the travel cancellation insurance here

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Corona quarantine supplementary insurance

Insured events: In the case of the insured person, in the case of persons living in a domestic community with the insured person and in the case of insured persons who have booked and insured a trip together with another person,

  • there is a suspicion of infection with the coronavirus (COVID-19). This applies if, for this reason, domestic isolation (quarantine) becomes necessary as a result of an official measure (e.g. order) on the basis of a legal basis (e.g. decree).
  • An infection with the coronavirus(Covid-19) has been diagnosed. This applies if, for this reason,domestic isolation (quarantine) becomes necessary as a result of an official measure (e.g. order) or an order by an authorized third party (e.g. doctor) on the basis of a legal basis (e.g. prescription).

Not covered:

  • Local, regional or supra-regional quarantine measures ordered by authorities.
  • Contact or exit restrictions
  • Travel warnings
  • Quarantine after entry
  • Insured events that occurred prior to the commencement of insurance coverage.

Deductible:

  • The insured person bears 20% of the recoverable damage himself, at least € 25.- per person.

FAQ's for the Corona supplementary insurance

Baggage insurance

It is not always possible to keep an eye on luggage, above a certain size or weight it is stowed away in a separate place during a flight, bus or train journey, but also in the hotel it is often left unattended. Unfortunately, this occasionally leads to theft, damage to the luggage or it gets lost during the trip. Since many people understandably do not want to do without their camera, laptop or other valuable electronic devices on vacation, it is worthwhile to have travel luggage insurance. It covers the damage incurred in the event of loss or damage. Luggage insurance can be booked as an individual policy or as part of a package with certain travel insurance policies.

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Benefits of baggage insurance (excerpt):
Damage and loss due to transport, force majeure, theft, fire, water.
Ski breakage risk (except rented, borrowed or leased skis).
Camping risk
General sum insured 3.000 € (can be increased on request)
Insured amount own musical instruments 1.000 €

Why is it worth taking out travel insurance through Bernhard Reise?

  • Favourable framework contracts that are particularly powerful
  • All-round carefree protection with our travel insurance packages
  • Tailored to the special needs of clubs & co.
  • For trips at home and abroad
  • For foreign groups for trips to Germany
  • Over 70 years of experience in travel insurance

Important questions and answers

What does the international health insurance not cover?

Not insured are:

  • Travel abroad for professional reasons
  • Treatments by non-medical practitioners
  • Childbirth, interruptions of pregnancy and examinations and treatments due to pregnancy
  • Nutritional and tonic preparations, cosmetic preparations
  • additional purchase of medicines during a trip
  • new dental prosthesis including crowns, dental cosmetics, orthodontics and implantology
  • Mental and emotional disorders, psychosomatic treatment
  • Purchase of aids, e.g. glasses, contact lenses, insoles, prostheses, bandages, forefoot relief shoe
  • Illnesses/accidents as a result of pandemics or foreseeable war events, attempted suicide, addiction, alcohol, drugs (war events are foreseeable if there is a warning from the Foreign Office prior to travel. The terrorist attacks in Paris or Brussels do not count as war events).
  • Accommodation caused by need of care or custody
  • Spa and sanatorium treatments and rehabilitation measures
  • Salvage costs
  • Costs for PCR tests or antigen tests in connection with entry and exit from the country
  • Costs of transporting a Covid contact to a hospital (e.g., to a testing station to determine whether or not he or she is positive)
  • Additional costs at the destination due to quarantine (longer stay in accommodation, flight rebooking costs, etc.) because the travel time has to be extended and the infected person or contact person flies back later
  • Costs for an adult escort to accompany the minor student(s) in the event of repatriation for further treatment in the home country

What does the travel cancellation insurance not cover?

Not covered are:

  • Failure of a student to transfer if it is not a school or class trip
  • Fees incurred in obtaining foreign currency
  • Failure to catch a flight due to a delayed shuttle bus. (additional costs for rebooking)
  • Dangers of war, civil war or war-like events
  • Unexpected inoculation intolerance in a relative, if the relative is not also insured.
  • Pregnancy: if the mother of the minor insured is not insured
  • Damage to property: if the damage is not substantial in relation to the economic condition or assets of the injured party
  • Repetition of exams: If they do not have to be repeated in order to obtain an extension of school attendance/graduation. If the trip was booked after the date of failed exam. An early examination is also not insured
  • If the trip is not taken due to the extension of a stay at a health resort
  • If a) the mental illness already existed before the start of the trip (b) the treatment was not carried out by a specialist doctor
  • a purely positive corona test (without symptoms)
  • Administrative costs such as preparatory meetings held beforehand are not part of the travel price

Is cancellation / revocation of a travel cancellation insurance possible?

The travel cancellation insurance cannot be cancelled or revoked. The reason for this is that the insurance takes effect immediately upon conclusion of the contract. The insurance coverage of the travel cancellation insurance ends with the start of the trip. The insurance cannot be revoked even if the entire trip demonstrably does not take place. Travel cancellation insurance covers the financial consequences if you are unable to start a planned trip. Accordingly, the insurance period refers to the period before the trip. Upon receipt of the insurance policy, the insurer's part of the contract (assumption of the risk) is immediately considered fulfilled. Accordingly, the right of cancellation does not apply. For more information on the right of withdrawal, please refer to your insurance confirmation and our legal information: Legal Information - Bernhard Travel Insurance

What does the travel accident insurance not cover?

Not insured are:

  • Accidents caused by motorized vehicles, where the aim is to reach maximum speeds.
  • Rescue costs (e.g. helicopter transport to the valley), due to altitude sickness).

What does the travel liability insurance not cover?

Not insured are:

  • Loss of other people's private apartment keys - If the keys were not lawfully in the custody of the insured person - If the damage amounts to up to €150 - Consequential damage resulting from the loss of keys (e.g. burglary) - Keys to movable property, including safe and furniture keys, if the damage amounts to up to €150 - Loss of keys from keys provided by the host school.
  • Keeping or use of motor vehicles, aircrafts or watercrafts subject to compulsory insurance
  • Holding and use of a vehicle
  • E-scooters (the holding or use of e-scooters subject to insurance is not insured)
  • Third-party property that has been rented, leased, rented or borrowed
  • Triggering of a false alarm at the fire department and police department
  • Postage costs for sending bills
  • Other damage to property

What should be considered in the event of a legal protection case?

There is no deductible for legal protection insurance. The maximum sum insured is 1 million euros.

What does baggage insurance not cover?

Not insured are:

  • Borrowed musical instruments
  • Cash
  • Securities
  • Tickets
  • Deeds and documents of any kind
  • Items with predominant artistic or collector's value
  • Contact lenses
  • Prostheses of any kind
  • Sailing equipment
  • Hang gliders
  • land, air and water vehicles, in each case with accessories, if they are in intended use
  • Furs, jewelry, objects made of precious metals as well as cameras, film cameras and video systems are not insured in unattended parked motor vehicles or trailers and in unattended water sports vehicles.
  • dangers due to wars, strikes, confiscation
  • dangers from the use of chemical, biological substances
  • dangers from nuclear energy
  • Leaving gifts or travel souvenirs lying, standing or hanging on the ground
  • skis without factory number / rented or leased skis

Page Content

Overview

Travel insurance benefits

Advantages

Which travel insurance makes sense?

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