Clubs & Associations
From €0.29 per person per day
Bernhard travel insurance broker
Group travel insurance for clubs and associations is an insurance contract that covers several members of a group against typical travel risks during joint club trips and provides medical, organizational and financial support in the event of a claim.
Why does good insurance make sense for club trips?
We offer customized group travel insurance tailored to the needs of clubs and associations. We reliably cover your club trips with all-round protection, convenient processing and flexible benefits at home and abroad.
Why additional travel insurance makes sense:
Unforeseeable cases of illness: With our international health insurance, you avoid high treatment costs and get quick access to medical care.
Cancellation or trip interruption: Travel insurance for clubs and associations protects your group in the event of last-minute cancelations and protects you against financial losses.
Organization and responsibility: We take the burden off tour operators by providing clearly regulated benefits and reliable all-round travel cover for participants.
Why is group travel insurance worthwhile for clubs?
Our group travel insurance for clubs and associations offers you maximum security, financial protection and full flexibility - perfectly tailored to the needs of a club trip. Whether it's a medical emergency, trip cancellation or loss of luggage: we provide reliable cover for your association and offer a convenient service.
Overview of our travel insurance
Travel abroad
International health insurance is one of the most important forms of insurance for club trips abroad. It reliably protects all participants in the event of illness and ensures that medical care is guaranteed at all times.
Line of insurance | Scope of insurance | |
|---|---|---|
International health insurance | ||
Medical expenses for outpatient and inpatient 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 | ✓ |
You can download the insurance conditions here
►Conditions of insurance for international health insurance
Note: People aged 75 and over should choose our senior citizens' insurance when taking out insurance.
From €0.29 per person per day
Domestic travel
For comprehensive cover, we recommend our property package with travel liability, accident and legal protection insurance. This means that club groups are also well protected on trips and excursions within Germany.
Line of insurance | Scope of insurance | |
|---|---|---|
Travel liability insurance | ||
Personal injury and property damage | € 5 million | |
Financial losses | € 1 million | |
Damage to rented immovable property | € 500,000 | |
Damage to rented movable property | € 1,000 | |
with excess | € 50 per insured event | |
Loss of keys | € 2,000 | |
with excess | € 150 per insured event | |
Travel accident insurance | ||
Disability benefit | € 55,000 (€ 123,750 with 100% disability) | |
Death benefit | under 18 years € 10,000 / over 18 years € 25,000 | |
Daily hospital benefit 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 employment and social law proceedings | ✓ | |
Sum insured | € 1,000,000 |
Travel liability insurance
Travel liability insuranceis highly recommended for exchange students to protect themselves against claims for damages against third parties that may arise due to personal injury, property damage or financial loss. These can be very high in Germany. It can be taken out until the day of departure. Liability insurance covers the costs of damage caused by you for the duration of your stay.
►Conditions of insurance for travel liability insurance
Travel accident insurance
Travel accident insurance provides financial compensation following accidents resulting in permanent disability and also provides financial support in the event of accidental death, cosmetic surgery following an accident and rescue costs.
►Insurance conditions for accident insurance
Legal expenses insurance
In Germany, legal disputes can cause immense costs; legal expenses insurance covers lawyers' fees and court costs.
From €0.29 per person per day
Our recommendation: Travel cancellation insurance - planning club trips without worries
From 2.2 % of the travel price
What benefits do travel insurance policies for clubs offer?
Whether it's a sports, music or leisure club - the focus of club trips is on the shared experience. The right insurance cover is crucial to ensure that everyone has a carefree trip.
For trips abroad, we recommend foreign travel health insurance so that help can be provided quickly and easily in the event of illness. For trips within Germany, liability, accident and travel cancellation insurance are particularly useful in order to be covered in the event of an emergency.
Basic protection
International health insurance is the basis for insurance cover for a group trip abroad as a club or association. It covers additional costs arising from treatment or hospitalization abroad. It also covers any necessary repatriation from abroad for further treatment in the home country. Our international health insurance also covers you if you need to be treated for a coronavirus-related illness.
►Conditions of insurance for international health insurance
Note: People aged 75 and over should choose our senior citizens' insurance when taking out cover.
Line of insurance | Scope of insurance | |
|---|---|---|
International health insurance | ||
Medical expenses for outpatient and inpatient treatment | 100%, if medically necessary and unavoidable | |
Pain-relieving dental treatment | max. € 500 (not for existing dental damage) | |
Repatriation costs for further treatment in the home country | if medically advisable and justifiable | |
Repatriation costs in the event of death | up to € 25,000 |
Recommended additional cover for trips abroad
Our property package protects you against third-party claims for damages and provides financial support in the event of an accident resulting in disability. The legal expenses insurance also supports you in the event of legal disputes.
The following insurances are included in our property package:
► Conditions of insurance for travel liability insurance
► Insurance conditions for accident insurance
► Insurance conditions for legal expenses insurance
Line of insurance | Scope of insurance | |
|---|---|---|
Travel liability insurance | ||
Personal injury and property damage | € 5 million | |
Financial losses | € 1 million | |
Damage to rented immovable property | € 500,000 | |
Damage to rented movable property (except motor vehicles of all kinds) | € 1,000 | |
with excess | € 50 per insured event | |
Loss of keys | 2,000 € | |
with excess | 150 € per insured event | |
Travel accident insurance | ||
Disability benefit | € 55,000 (€ 123,750 with 100% disability) | |
Death benefit | under 18 years € 10,000 / over 18 years € 25,000 | |
Daily hospital benefit 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 employment and social law proceedings | ✓ | |
Sum insured | € 1,000,000 |
If you have to cancel your trip for an insured reason before the start of your trip, travel cancellation insurance protects you against the cancellation costs incurred when you cancel your trip. Travel interruption insurance protects you against high rebooking and other additional costs within the scope of the insurance conditions if you have to cancel your trip early. With travel cancellation insurance, you can choose between cover with an excess or without an excess. The excess is 20 % of the reimbursable costs.
| Benefits of travel cancellation costs (extract): | |
| Assumption of cancellation fees | |
| Return travel costs that exceed the travel price | |
| Note: Must be taken out at least 14 days before the start of the trip |
Luggage insurance reimburses you for the cost of the contents of your luggage in the event of theft, robbery or destruction by fire, for example.
| Benefits of luggage insurance (extract): | |
| Damage and loss due to transportation, force majeure, theft, fire, water | |
| Risk of ski breakage (except for rented, borrowed or hired skis) | |
| Camping risk | |
| General sum insured | 3,000 € (can be increased on request) |
| Sum insured for own musical instruments | 1.000 € |
►Conditions of insurance for luggage insurance
Basic protection
Our property package protects you against third-party claims for damages and provides financial support in the event of an accident resulting in disability. The legal expenses insurance also supports you in the event of legal disputes.
The following insurances are included in our property package:
► Conditions of insurance for travel liability insurance
► Insurance conditions for accident insurance
► Insurance conditions for legal expenses insurance
Line of insurance | Scope of insurance | |
|---|---|---|
Travel liability insurance | ||
Personal injury and property damage | € 5 million | |
Financial losses | € 1 million | |
Damage to rented immovable property | € 500,000 | |
Damage to rented movable property (except motor vehicles of all kinds) | € 1,000 | |
with excess | € 50 per insured event | |
Loss of keys | 2,000 € | |
with excess | 150 € per insured event | |
Travel accident insurance | ||
Disability benefit | € 55,000 (€ 123,750 with 100% disability) | |
Death benefit | under 18 years € 10,000 / over 18 years € 25,000 | |
Daily hospital benefit 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 employment and social law proceedings | ✓ | |
Sum insured | € 1,000,000 |
Recommended additional cover for domestic travel
If you have to cancel your trip for an insured reason before the start of your trip, travel cancellation insurance protects you against the cancellation costs incurred when you cancel your trip. Travel interruption insurance protects you against high rebooking and other additional costs within the scope of the insurance conditions if you have to cancel your trip early. With travel cancellation insurance, you can choose between cover with an excess or without an excess. The excess is 20 % of the reimbursable costs.
| Benefits of travel cancellation costs (extract): | |
| Assumption of cancellation fees | |
| Return travel costs that exceed the travel price | |
| Note: Must be taken out at least 14 days before the start of the trip |
Luggage insurance reimburses you for the cost of the contents of your luggage in the event of theft, robbery or destruction by fire, for example.
| Benefits of luggage insurance (extract): | |
| Damage and loss due to transportation, force majeure, theft, fire, water | |
| Risk of ski breakage (except for rented, borrowed or hired skis) | |
| Camping risk | |
| General sum insured | 3,000 € (can be increased on request) |
| Sum insured for own musical instruments | 1.000 € |
►Conditions of insurance for luggage insurance
Travel insurance for clubs - affordable & flexible
From € 0.29 per person and day
Good reasons for a broker
You can rely on our expertise - independent, experienced and always at your side when it matters!
FAQ Group travel insurance for clubs
The insurance is valid for groups of 5 people or more.
The maximum insurance period is 90 days per trip.
The insurance cover applies worldwide, with the exception of war zones.
Yes, the currently applicable insurance tax is already included in the premiums. Health insurance is also tax-free.
Travel cancellation insurance must be taken out at least 14 days before the start of the trip.
No, it is not possible to cancel or revoke travel cancellation insurance.
Travel tips
Read our blog posts with lots of important information on club trips:
