Travel insurance at home and abroad 
- so that your trip starts safely and ends well

The absolutely essential insurance is international health insurance, as private health insurance often does not cover all costs within Europe. All other travel insurance policies, such as travel cancellation or baggage insurance, are intended for travelers who want to be covered in the event of an emergency.

Yes, especially for expensive trips with high cancellation costs or group bookings, it is advisable to take out travel cancellation or interruption insurance. Your statutory health insurance is sufficient for medical treatment.

By taking out travel insurance (by paying a premium), you receive insurance cover that protects you against the contractual risks when you travel.

For example, travel cancellation insurance covers cancellation costs if you are unable to go on your vacation trip with a booked flight and hotel due to illness. Other typical travel insurances are International health insurance (absolutely essential), trip interruption insurance, luggage insurance.

We offer all travel insurance policies for both individuals and groups with high-performance rates for the best insurance cover.

There are many ways to take out travel cancellation insurance, which is often offered at the same time as booking a flight. However, these are often not high-performance tariffs that only apply to the flight, for example, but not to the hotel.

For this reason, we recommend taking out travel cancellation insurance with an insurance broker or insurance company that offers more comprehensive cover and high-performance tariffs.

Travel cancellation insurance cannot be canceled or revoked. The reason for this is that the insurance comes into force immediately upon conclusion of the contract. Travel cancellation insurance cover ends with the start of the trip. The insurance cannot be revoked even if it can be proven that the entire trip will not take place. Travel cancellation insurance covers the financial consequences if you are unable to go on a planned trip. The insurance period therefore relates to the period before the trip. Upon receipt of the insurance policy, the insurer's part of the contract (assumption of the risk) is deemed to have been fulfilled immediately. Accordingly, the right of withdrawal does not apply. Further information on the right of withdrawal can be found in your insurance confirmation and in our legal information: Legal information - Bernhard Reise Versicherungen

Private health insurance is usually sufficient for trips within your own country. When traveling abroad, international health insurance should be taken out in any case, but like other travel insurance policies, general health insurance is not required by law. It is up to each traveler to decide which risk they want to bear and which not.

Be sure to bring the "doctor's information" and your insurance number with you. As a rule, the hospital will take care of the cost coverage application; however, if possible, inform the insurance company the next working day if you are unable to do so yourself.

Different travel insurance policies cover various risks and pay out in the specific case for which the policy was taken out. To extend this protection, you can take out additional insurance as an optional package.

Which travel insurance pays for what?

International health insurance
In the event of illness during your trip, international health insurance covers medical and hospital costs for medical treatment, the costs of repatriation to your home country and repatriation in the event of death. This is particularly important when traveling outside Europe. But also when traveling in other European countries, e.g. if treatment is provided by private doctors or if you do not have a statutory health insurance card. Information on international health insurance.

Travel cancellation (costs) insurance
Travel cancellation insurance covers cancellation costs if you have to cancel your trip due to sudden illness, a family emergency or an accident or for other reasons before the start of your trip. Info: Reasons for canceling a trip.

Trip interruptioninsurance
Trip interruption insurance covers additional costs for a premature return trip as well as rebooking and other additional costs if you have to interrupt a trip you have already started due to illness or an accident. Info: Reasons for trip interruption.

Luggage insurance
Luggage insurance covers the costs of lost or damaged luggage. This includes expenses for the replacement of luggage and reimbursement of costs for replacement purchases. Information on luggage insurance.

Travel liability insurance
Travel liability insurance covers the costs of damage you cause during a trip abroad (personal injury, property damage and financial loss). It can only be taken out as part of a package with other insurance policies - together with accident, legal protection and optional luggage insurance.

You can take out international travel insurance with us as individual insurance for just one trip or as very affordable annual international health insurance for several trips per year.

Annual international health insurance for any number of trips up to 56 days per trip:

► from 9.90 euros per year for one person

► from 21 euros per year for families

► Take out annual insurance

International health insurance as individual insurance for one trip:

► from 10 euros per person

Take out individual insurance

The respective travel insurance offers special protection for the respective risk event. The particularly important international health insurance is highly recommended for trips outside Europe. To extend this cover, you can take out additional insurance for trip cancellation and trip interruption as an optional package. The same applies to liability insurance for personal injury, property damage and financial loss and luggage insurance for the luggage you are taking with you on your trip.

Travel insurance that is booked for a single trip ends automatically at the end of the trip. If you wish to cancel it before the trip, you must cancel the insurance in good time. The situation is different for annual insurance policies, which are automatically extended by one year if they are not canceled in due time.

No deductibility for private trips!
Insurance for private trips - including travel cancellation insurance - is generally not deductible according to the law.

Deductibility for business trips and business travel
Travel cancellation insurance taken out for business trips and business travel for professional reasons can be deducted as a business expense under incidental travel expenses.