Travel insurance for youth groups

Our Highlights

  • For youth & student travel groups
  • Corona protection selectable
  • Individual insurance benefits
  • Online travel and contract management

from 0,23 € per person and day

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What travel insurance do you need as a youth group?

Recommended insurance coverage

Who can take out the insurance?

Important information

What travel insurance do you need as a youth group?

A youth group consists of persons up to the age of 34 who travel together (e.g. youth trips abroad, tent camps, cabin camps, youth exchanges abroad, etc.). But also trips of foreign youth groups to Germany are insurable. Of course, our youth tariff is also suitable for school trips and graduation trips.

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

Group insurance information sheet

Insurance for youth travel abroad

Basic protection

Health insurance abroad

International health insurance is the most important insurance for youth group trips abroad. Although there is basically protection via the statutory health insurance in other European countries and in the EEA, the costs are only covered up to the amount that would be reimbursed for domestic treatment. The health insurance company may also make deductions - for example, for increased administrative costs. Some services must also be approved before treatment begins. With a foreign health insurance you are better covered in case of illness abroad. Here, additional costs incurred by treatment or hospitalization abroad are covered. Likewise, a necessary repatriation from abroad for appropriate further treatment in the home country. Our international health insurance also covers you if you have to be treated due to a corona disease.

Benefits of the international health insurance (excerpt)

Insurance line 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 insurance package

Our insurance 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.

Included in our insurance package are the following insurances:

  • Travel liability insurance
  • Accident insurance
  • Legal expenses insurance

Overview of services (excerpt)

Insurance line 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 protection 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 protection for domestic and international travel

Travel Cancellation Insurance

If you have to cancel your trip for an insured reason even before the start of the trip, travel cancellation insurance protects you against cancellation costs incurred when you cancel your trip. Trip interruption insurance also covers you in the event of early termination of the trip. In addition, the insurers usually reimburse the costs for the unused travel services as well as possible additional costs incurred by the early return trip. In the travel cancellation insurance, you can choose between 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

Internship damage supplementary insurance

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

Benefits of the internship damage supplementary insurance (excerpt):  
Optional supplementary liability coverage for internship damage  
Participation in job-specific internships  
Within the framework of a study program or Erasmus-Plus program:  
Personal injury and property damage: Up to the agreed coverage amount of the liability insurance for personal injury and property damage.
Outside of a study program or Erasmus-Plus program:  
Personal injury and property damage: with a lump sum coverage of 10.000 € with a deductible of 100,- € per insured event.

► Insurance conditions for the additional internship insurance

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

Baggage 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 the 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 €

► Insurance conditions for luggage insurance

Compare tariffs now

► to tariff calculator

Who is our youth group travel insurance for?

  • Youth groups and school groups
  • Travel groups of at least 5 people with the same destination and travel date.
  • Participants must be younger than 34 years old
  • Chaperones must be a maximum of 64 years old

Our youth group tariff was developed especially for you, so that you can take out our group travel insurance at an excellent price-performance ratio. We have a long-standing cooperation with many state youth rings, such as the Bavarian Youth Ring, as well as many other associations from the areas of youth, culture and leisure.

Calculate youth group travel insurance

► to the rate calculator

Important things to know about youth group travel insurance at a glance:

  • Favorable travel insurance framework rates for youth groups in cooperation with the youth rings (see also our: Tips for ski camps and ski holidays)
  • Insurance rates are tailored to the individual needs of the youth group
  • German youth groups can be insured for trips in Germany and abroad as well as foreign youth groups for trips to Germany
  • valid for youth groups of 5 persons or more
  • The insurance period is a maximum of 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)

Important questions and answers

What does the international health insurance not cover?

Not insured are:

  • Travel abroad for professional reasons
  • Treatments by non-medical practitioners
  • Childbirth, interruptions of pregnancy and examinations and treatments due to pregnancy
  • Nutritional and tonic preparations, cosmetic preparations
  • additional purchase of medicines during a trip
  • new dental prosthesis including crowns, dental cosmetics, orthodontics and implantology
  • Mental and emotional disorders, psychosomatic treatment
  • Purchase of aids, e.g. glasses, contact lenses, insoles, prostheses, bandages, forefoot relief shoe
  • Illnesses/accidents as a result of pandemics or foreseeable war events, attempted suicide, addiction, alcohol, drugs (war events are foreseeable if there is a warning from the Foreign Office prior to travel. The terrorist attacks in Paris or Brussels do not count as war events).
  • Accommodation caused by need of care or custody
  • Spa and sanatorium treatments and rehabilitation measures
  • Salvage costs
  • Costs for PCR tests or antigen tests in connection with entry and exit from the country
  • Costs of transporting a Covid contact to a hospital (e.g., to a testing station to determine whether or not he or she is positive)
  • Additional costs at the destination due to quarantine (longer stay in accommodation, flight rebooking costs, etc.) because the travel time has to be extended and the infected person or contact person flies back later
  • Costs for an adult escort to accompany the minor student(s) in the event of repatriation for further treatment in the home country

What does the travel cancellation insurance not cover?

Not covered are:

  • Failure of a student to transfer if it is not a school or class trip
  • Fees incurred in obtaining foreign currency
  • Failure to catch a flight due to a delayed shuttle bus. (additional costs for rebooking)
  • Dangers of war, civil war or war-like events
  • Unexpected inoculation intolerance in a relative, if the relative is not also insured.
  • Pregnancy: if the mother of the minor insured is not insured
  • Damage to property: if the damage is not substantial in relation to the economic condition or assets of the injured party
  • Repetition of exams: If they do not have to be repeated in order to obtain an extension of school attendance/graduation. If the trip was booked after the date of failed exam. An early examination is also not insured
  • If the trip is not taken due to the extension of a stay at a health resort
  • If a) the mental illness already existed before the start of the trip (b) the treatment was not carried out by a specialist doctor
  • a purely positive corona test (without symptoms)
  • Administrative costs such as preparatory meetings held beforehand are not part of the travel price

Is cancellation / revocation of a travel cancellation insurance possible?

The travel cancellation insurance cannot be cancelled or revoked. The reason for this is that the insurance takes effect immediately upon conclusion of the contract. The insurance coverage of the travel cancellation insurance ends with the start of the trip. The insurance cannot be revoked even if the entire trip demonstrably does not take place. Travel cancellation insurance covers the financial consequences if you are unable to start a planned trip. Accordingly, the insurance period refers to the period before the trip. Upon receipt of the insurance policy, the insurer's part of the contract (assumption of the risk) is immediately considered fulfilled. Accordingly, the right of cancellation does not apply. For more information on the right of withdrawal, please refer to your insurance confirmation and our legal information: Legal Information - Bernhard Travel Insurance

What does the travel accident insurance not cover?

Not insured are:

  • Accidents caused by motorized vehicles, where the aim is to reach maximum speeds.
  • Rescue costs (e.g. helicopter transport to the valley), due to altitude sickness).

What does the travel liability insurance not cover?

Not insured are:

  • Loss of other people's private apartment keys - If the keys were not lawfully in the custody of the insured person - If the damage amounts to up to €150 - Consequential damage resulting from the loss of keys (e.g. burglary) - Keys to movable property, including safe and furniture keys, if the damage amounts to up to €150 - Loss of keys from keys provided by the host school.
  • Keeping or use of motor vehicles, aircrafts or watercrafts subject to compulsory insurance
  • Holding and use of a vehicle
  • E-scooters (the holding or use of e-scooters subject to insurance is not insured)
  • Third-party property that has been rented, leased, rented or borrowed
  • Triggering of a false alarm at the fire department and police department
  • Postage costs for sending bills
  • Other damage to property

What should be considered in the event of a legal protection case?

There is no deductible for legal protection insurance. The maximum sum insured is 1 million euros.

What does baggage insurance not cover?

Not insured are:

  • Borrowed musical instruments
  • Cash
  • Securities
  • Tickets
  • Deeds and documents of any kind
  • Items with predominant artistic or collector's value
  • Contact lenses
  • Prostheses of any kind
  • Sailing equipment
  • Hang gliders
  • Land, air and water vehicles, in each case with accessories, if they are in intended use
  • Furs, jewelry, objects made of precious metals as well as cameras, film cameras and video systems are not insured in unattended parked motor vehicles or trailers and in unattended water sports vehicles.
  • dangers due to wars, strikes, confiscation
  • dangers from the use of chemical, biological substances
  • dangers from nuclear energy
  • Leaving gifts or travel souvenirs lying, standing or hanging on the ground
  • skis without factory number / rented or leased skis

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