• If your trip starts in more than 30 days, you can take out the insurance at any time up to 30 days before departure.
• If your trip starts in less than 30 days, you must take out the insurance immediately after booking - within 3 days at the latest.

The insurance covers unforeseeable events such as serious illness, accident or death of the insured person or close relatives. Unexpected quarantine, loss of employment or significant damage to property are also considered reasons for withdrawal.

Pre-existing conditions are excluded unless they worsen unexpectedly after the policy is taken out. Special regulations apply to mental illnesses.

Yes, if they occur for the first time after taking out the insurance or if a chronic illness has not been treated for more than three years.

You bear 20% of the reimbursable damage yourself, but at least €25 per person or property.

Within 48 hours of the occurrence of the event, so that the cancellation costs remain low and the insurance cover takes effect.

As a rule, no. The policy must be taken out before or shortly after booking the trip. For last-minute products, the following applies: take out the policy no later than one day before the start of the trip.

The cover can also be taken out after booking the trip, without a fixed deadline. Nevertheless, it only covers unforeseen events that occur after the policy has been taken out.