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What travel insurance makes sense for a family vacation?

Especially as a family, you want to be able to enjoy your planned vacations without worries. Therefore, it can be helpful to weigh risk factors in advance and choose the appropriate recommended insurance coverage. As an insurance broker with 20 years of experience, we know which travel insurance really makes sense. We present you the most important travel insurances so that you can make the best decision for yourself.

Note: Only the contents and the wording of the insurance conditions and the insurance policy are legally binding.

 

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.

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 insurance package

 

Our insurance package

Our insurance 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 insurance package if you have the appropriate travel insurance.

Travel accident insurance

Travel accident insurance is also included in our insurance 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 insurance 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 families of 5 persons or more, we offer particularly favorable and powerful group rates

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Recommended additional protection for travel abroad

Our insurance package

Our insurance 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 insurance package if you have the appropriate travel insurance.

Travel accident insurance

Travel accident insurance is also included in our insurance 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 insurance 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 cover for 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 conclude the travel cancellation 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) based on 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 the 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.

Baggage insurance

It is not always possible to keep an eye on luggage, above a certain size or weight it is stowed in a separate place during a flight, bus or train journey, but even 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, luggage insurance is worthwhile. 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 annual travel insurance worthwhile for families?

If you go on holiday as a family more than once a year, you should definitely consider annual insurance:

  1. Inexpensive: Annual travel insurance is especially worthwhile for people who travel more than once a year and compares favorably to individual policies.
  2. Relaxed: You can travel as often as you like on holiday without having to declare the trips to the insurance company.
  3. Flexible: Contracts for annual insurance are concluded for at least one year and are automatically renewed from year to year. This makes it easier to take out cheap holidays on the spur of the moment!

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What family travel insurance is available?

With our family travel insurance , you can cover the whole family with affordable family rates and fully enjoy your family vacation. For comprehensive all-year travel protection, you can also take out your family travel insurance with us as an annual policy - with many attractive benefits.

Health insurance abroad

  • worldwide travel cover
  • no deductible
  • as many trips as you like

from 9,90 € per year

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Travel cancellation insurance

  • Reimbursement of cancellation costs
  • Reimbursement of cancellation costs
  • optional Corona illness

from 1,07 € per person

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more information

Travel interruption insurance

  • Rebooking costs
  • Accommodation costs
  • Additional costs for return journey

only in combination with travel cancellation

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Hotel Cancellation Insurance

  • Europe-wide cover
  • bookable up to 30 days before departure
  • Reimbursement of cancellation costs

from 5 € per hotel

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Annual travel insurance

  • worldwide travel cover
  • up to 56 days per holiday trip
  • as many trips as you like

from 9,90 € per year

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Cruise travel insurance

  • International health insurance
  • Cancellation insurance
  • Luggage insurance

additional material packages possible

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Travel liability insurance

  • Personal injury
  • Property damage
  • Property damage

Additional insurance

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Baggage insurance

  • Loss of luggage
  • Damage to luggage
  • Reimbursement for replacement purchases

from 25 € per trip

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Legal protection insurance

  • Damage case in road traffic
  • Threat of punishment abroad
  • Legal dispute with tour operator

Additional insurance

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Page Content

Which one makes sense?

Overview family travel insurance

Advantage annual travel insurance

Information & online conclusion

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