Travel insurance for clubs & associations on club trips

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from 0,23 € per day/person

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Sensible travel insurances for clubs

Recommended additional protection for trips abroad

Recommended additional cover for domestic and international travel

Important Information

Which travel insurances are useful for club trips?

For more than 20 years, BERNHARD has been an important partner in insurance for club travel for numerous clubs and associations. Through our experience in numerous cooperations, such as with the state youth rings and many other clubs and associations, we offer travel groups of 5 or more people comprehensive insurance coverage specifically required for these needs.

Depending on whether you are traveling within Germany or abroad , you will need different insurance coverage.

Insurances for club trips abroad

Basic cover

Health insurance abroad

The international health insurance is the basis for insurance protection during a group trip abroad as a club or association. Additional costs incurred due to treatment or hospitalisation abroad are covered. Likewise, a necessary repatriation from abroad for a corresponding further treatment in the home country. Our international health insurance also covers you if you have to be treated for a Corona disease.

Benefits of the international health insurance (excerpt)

Insurance class Scope of insurance  
Health insurance abroad  
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 reasonable and justifiable  
Repatriation costs in the event of death up to 25.000 €  

Insurance for travel within Germany

 

Our property package (Travel liability, Accident, Legal expenses insurance)

Our property package covers 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:

  • Travel liability insurance
  • Accident insurance
  • Legal expenses insurance

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 € with 100 % disability)  
death benefit under 18 years 10.000 € / over 18 years 25.000 €  
Daily hospital allowance with convalescence allowance 10 €  
rescue costs 5.000 €  
Travel legal protection    
judicial and extrajudicial assertion of claims for damages  
Defence in criminal proceedings or administrative offences for labour and social law proceedings  
sum insured 1.000.000 €  

Recommended additional cover for travel abroad

Our property package (Travel liability, Accident, Legal expenses insurance)

Our property package covers 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:

  • Travel liability insurance
  • Accident insurance
  • Legal expenses insurance

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 € with 100 % disability)  
death benefit under 18 years 10.000 € / over 18 years 25.000 €  
Daily hospital allowance with convalescence allowance 10 €  
rescue costs 5.000 €  
Travel legal protection    
judicial and extrajudicial assertion of claims for damages  
Defence in criminal proceedings or administrative offences for labour and social law proceedings  
sum insured 1.000.000 €  

Recommended additional cover for domestic and international travel

Travel Cancellation Insurance

If you have to cancel your trip for an insured reason before the start of the trip, travel cancellation insurance protects you against cancellation costs incurred when you cancel your trip. Trip interruption insurance protects you against high rebooking and other additional costs within the scope of the insurance conditions in the event of premature cancellation of the trip. In the travel cancellation insurance you can choose between the coverage with deductible or without deductible. The deductible amounts to 20% of the reimbursable costs.

Benefits of the travel cancellation costs (excerpt):  
Assumption of cancellation fees
  •  
Return travel costs exceeding the travel price
  •  
Note: Must be taken out no later than 14 days before the start of the trip.  

Corona quarantine supplementary insurance

Insured events: In the case of the insured person, persons living in a domestic community with the insured person and 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 statutory 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 authorised 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 the authorities.
  • Contact or exit restrictions
  • Travel warnings
  • Quarantine after entry
  • Insured events that occurred prior to the commencement of insurance cover.

Deductible:

  • The insured person bears 20% of the recoverable damage himself, with a minimum of €25 per person.

Baggage insurance

The luggage insurance reimburses you for the costs of the contents of your luggage in the event of theft, robbery or destruction by fire, for example.

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

Internship damage supplementary insurance

This additional module can be taken out as a supplement to the property package. It covers participation in job-specific internships at home and abroad, including as part of a degree course or Erasmus Plus programme.

Benefits of the supplementary internship damage insurance (excerpt):
Optional additional liability cover for internship damage
Participation in job-specific internships
Within the framework of a study or Erasmus-Plus programme:
Personal injury and property damage: Up to the agreed amount of cover under the liability insurance for personal injury and damage to property.
Outside of a study or Erasmus Plus programme:
Personal injury and property damage: with a lump sum coverage of € 10,000 with a deductible of € 100 per insured event.

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Who is the club travel insurance for?

  • The travel insurance applies to groups of 5 or more persons
  • For German clubs and associations for trips in Germany and abroad
  • For foreign clubs and associations for trips to Germany
  • Tailored to the special needs of clubs and associations

Important information about travel insurance for club trips:

  • The maximum insurance period is 90 days
  • The entire travel insurance is valid worldwide, except in war zones
  • The currently valid insurance tax is already included in the premiums (health insurance is tax-free)
  • The travel cancellation insurance must be taken out at least 14 days before the start of the trip and cannot be cancelled or revoked.

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