Our travel insurances for domestic and international trips

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  • Single and family tariffs possible

Also available as annual insurance

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Overview of our travel insurances

Health insurance abroad

  • Single- or Annual insurance
  • Worldwide coverage
  • Outpatient and inpatient treatment
  • Up to 365 days
  • Medical repatriation

ab 0,99 € pro Tag oder 9,90 € pro Jahr 

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Travel cancellation insurance

  • Comprehensive cover
  • Cancellation and withdrawal costs
  • Optional Corona illness
  • With or without excess

from 2,2% of the total tour price

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Annual travel insurance

  • Particularly favourable for frequent travellers
  • Worldwide travel cover
  • Up to 56 days per trip
  • As many trips as you like

from 9,90 € per year

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Work & Travel Insurance

  • Worldwide insurance cover
  • Term of up to 365 days
  • Additional property packages possible

from 1,15 € per day

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Baggage insurance

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

from 25,- € per trip/person

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Hotel Cancellation Insurance

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

from 5,00 € per hotel

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Travel insurance in brief

Whether it's a package holiday, backpacking trip, business trip or family holiday, with our travel insurance policies you can arrive relaxed at your destination at home or abroad. Here you will find the most important information & benefits about your travel insurance:

Health insurance abroad

No one should travel without international health insurance, as private health insurance often does not apply abroad or offers insufficient protection.We offer two different types of international health insurance:

  • Annual insurance: for any number of trips up to 56 days per trip
  • Single insurance: for one trip up to 365 days

However, the scope of benefits is identical for both variants. Here is an excerpt of the most important benefits of the international health insurance:

  • Assumption of medical treatment costs abroad (outpatient and inpatient)
  • Cost absorption for a medically reasonable and justifiable return transport
  • Cost coverage for co-insured accompanying persons, e.g. children
  • Pain-relieving conservative dental treatment
  • Operations that cannot be postponed
  • Reimbursement of medically prescribed medication and dressings

Area of validity:

  • Worldwide coverage
  • Worldwide with or without USA/Canada

► Take out annual insurance

► Take out individual insurance

 

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Cancellation insurance

Travel Cancellation Insurance covers you in the event that you are unable to commence your trip. Reasons for this can be:

  • Acute illness
  • Vaccine intolerance
  • Pregnancy
  • Serious accident
  • Death

Travel cancellation benefits:

  • Cancellation costs incurred in the event of non-commencement of the trip or non-use of the rental property
  • Additional outward travel costs in the event of delayed commencement of travel
  • Rebooking costs without giving reasons, up to 30 € (up to 42 days before departure)

Insurance conclusion is possible with or without deductible.

► Take out cancellation insurance now

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Further variants of travel cancellation insurance

Cancellation insurance ► Hotel

Cancellation insurance ► Seminar

Cancellation insurance ► Ticket

Cancellation insurance ► Last minute travel

Trip interruption insurance

Trip interruption insurance is a supplementary insurance to trip cancellation insurance and extends the insurance cover in the event that you have to interrupt your trip unexpectedly. Requirements for reimbursement of costs in the event of trip interruption:

  • Cancellation of the trip is not due to fault
  • continuation or termination of the trip is no longer reasonable
  • travel services can no longer be claimed

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Baggage insurance

Baggage insurance, insures baggage while traveling and is especially useful for people traveling with valuable or important baggage.Overview of benefits:

  • Reimbursement of costs in the event of loss of or damage to baggage
  • reimbursement for replacement purchases in the event of delayed arrival of checked baggage
  • Payment of necessary expenses for the recovery of lost luggage.

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Work & Travel Insurance

The Work & Travel insurance is an international health insurance with tailored benefits. The insurance cover can be optionally up to 1 year or even 5 years. For all-round protection, you can also book our property package , which includes travel liability, travel legal protection, accident insurance, emergency insurance and optional luggage insurance.

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How much does travel insurance cost?

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


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

  • from 9,90 Euro per year for one person
  • from 21,- Euro per year for families

► Take out annual insurance


International health insurance as individual insurance for one trip:

  • from 10,- Euro per person

► Take out individual insurance

When does travel insurance pay?

Different travel insurances cover different risk cases and pay in the specific case for which the respective insurance was taken out. To extend this protection, you can optionally take out additional insurances as part of the package.

Which travel insurance pays what?

International health insurance
In case of illness during the trip, an international health insurance covers the medical and hospital costs in case of medical treatment, the costs for the return transport to the home country, as well as the repatriation in case of death. This is particularly important for travel outside Europe. But also for travels in other European countries, e.g. if treatment is provided by private doctors or if there is no insurance card of the statutory health insurance.

Travel Cancellation (Cost)
Travel cancellation insurance pays for cancellation costs if you have to cancel your trip before it begins due to sudden illness, a family emergency or accident, or other reasons.
Info: Reasons for cancelling

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

Baggage insurance
The baggage insurance covers costs in case of loss as well as damage of the luggage. This concerns expenses for the replacement of the luggage as well as reimbursement of costs for replacement purchases.

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

Which travel insurances are important?

  • International health insurance: An absolute must, as private health insurance does not offer sufficient protection abroad.
  • Cancellation insurance: The optimal coverage for high-priced trips or for trips that were booked well in advance.
  • Trip interruption insurance: Is recommended for expensive and/or long trips.
  • Luggage insurance: If you are travelling with valuable luggage, you should insure it accordingly.
  • Annual travel insurance: Is particularly suitable for frequent travellers, as the same benefits are available at more favourable conditions.

Questions & answers about travel insurance

Is travel insurance necessary?

The absolutely necessary insurance is the international health insurance, because the private health insurance often does not cover all costs already within Europe. All other travel insurances such as travel cancellation or luggage insurance are intended for travellers who want to be covered in case of emergency.

How does travel insurance work?

By taking out a travel insurance policy (by paying a premium) you receive insurance cover with which you are then insured for the contractually agreed risks when travelling. For example, travel cancellation insurance covers the cancellation costs if you are unable to take your holiday trip with booked flight and hotel due to illness. Other typical travel insurances are: International health insurance (absolutely necessary), travel interruption insurance, luggage insurance

We offer all travel insurances for individuals as well as for group travels with powerful rates for best insurance protection.

Where can I take out travel cancellation insurance?

There are many ways to take out travel cancellation insurance, often this is also offered when booking a flight. However, these are often not powerful tariffs that apply, for example, only for the flight, but not for the hotel. For this reason, we recommend the travel cancellation insurance with an insurance broker or an insurance company to conclude, which offer a more comprehensive protection and powerful tariffs.

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

When do you need travel insurance?

For trips within your own country, private health insurance is usually sufficient. When travelling abroad, a foreign health insurance should be taken out in any case, but also the foreign health insurance is like the other travel insurances not required by law. It is up to each traveller to decide which risk he wants to bear and which not.

When does travel insurance pay?

Different travel insurances cover different risk cases and pay in the specific case for which the respective insurance was taken out. To extend this protection, you can optionally take out additional insurances as part of the package.

Which travel insurance pays what?

International health insuranceIn the event of illness during the trip, international health insurance covers medical and hospital costs for medical treatment, the cost of transporting you back to your home country, and repatriation in the event of death. This is particularly important for travel outside Europe. But also for travels in other European countries, e.g. if treatment is provided by private doctors or if there is no insurance card of the statutory health insurance. Info about health insurance abroad.

Travel Cancellation (Cost) InsuranceThetravel cancellation insurance pays for cancellation costs if you have to cancel your trip due to sudden illness, a family emergency or an accident as well as for other reasons before the start of the trip. Info: reasons for trip cancellation.

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

Luggage insuranceLuggage insurance covers costs in the event of loss or damage to luggage. This concerns expenses for the replacement of the luggage as well as reimbursement of costs for replacement purchases. Information about luggage insurance.

TravelliabilityinsuranceTravel liability insurance covers the costs of damage caused by you 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 expenses and optional luggage insurance.

How much does travel insurance cost?

You can take out international travel insurance with us as a single policy for just one trip or as a 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,- Euro per year for families

► take out annual insurance

International health insurance as individual insurance for one trip:► from 10,- Euro per person

► Take out individual insurance

Can I cancel a travel insurance policy?

Travel insurance booked for a single trip ends automatically after completion of the trip. If you want to cancel it before the trip, you must cancel the insurance in due time. Annual insurance policies are different; they are automatically extended by one year if they are not cancelled in due time.

Is travel insurance (cancellation) tax deductible?

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

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

Page Content

Overview of our travel insurances

Explanation | Definition

Costs

Benefits

Frequently asked questions & answers

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