Trip insurance for inland and foreign trips

No one should travel without international health insurance, as private health insurance abroad often does not work or offers insufficient protection.

We offer two different variants of international health insurance:

• Annual travel insurance: for any number of trips up to 56 days per trip
• Individual insurance: for a trip up to 365 days

The services are identical for both variants, here is an extract of the most important services of the international health insurance:

• Payment of medical treatment costs abroad (outpatient and inpatient)
• Cost coverage for a medically reasonable and justifiable return transport
• Coverage of costs for co-insured accompanying persons e.g. children
• Analgesic conservative dental treatments
• Unpostponable operations
• Reimbursement of medically prescribed medication and dressing materials

Coverage:

• Worldwide
• Worldwidewith or without USA/Canada

► Booking annual travel health insurance

► Booking individual insurance

► More information

The travel cancellation insurance covers you in the event that you are unable to travel.

Reasons for this can be:

• Acute disease
• Vaccine compatibility
• Pregnancy
• Serious accident
• Death

Services of the travel cancellation insurance:

• Cancellation costs incurred if you do not start the trip or do not use the rental object
• Additional outward journey additional costs with late start of journey
• Rebooking costs without giving reasons up to 30 Euro (up to 42 days before departure)

Insurance conclusion is possible with or without deductible.

► Booking Travel cancellation insurance

► More information

Further options of the travel resignation insurance:
► Hotel cancellation insurance
► Seminar cancellation insurance
► Ticket cancellation insurance
► Last-Minute travel cancellation insurance

The travel interruption insurance is a supplementary insurance to the travel cancellation insurance and extends the insurance cover in case you have to interrupt your trip unexpectedly.

Requirements for reimbursement of costs in case of interruption of travel:

• Cancellation of the trip is not your fault
• Continuation or termination of the trip is no longer reasonable
• Travel services can no longer be used
  
  

► more information

The luggage insurance, insures the luggage while travelling and is especially useful for people who travel with valuable or important luggage.

Overview of benefits:

• Cost coverage in case of loss or damage of luggage
• Reimbursement for replacement purchases in case of delayed arrival of checked baggage
• Assumption of necessary expenses for the recovery of lost baggage
  
  

► more information

The Work and Travel insurance is an international health insurance with customized benefits. The insurance coverage can be up to 1 year or even 5 years.

For an all-round protection, you can also book our special package, which includes travel liability, travel legal protection, accident insurance, emergency insurance and optional luggage insurance.

► more information

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

By taking out a travel insurance policy (by paying a premium), you will receive insurance cover from the insurance company, with which you will then be covered for the contracted risks when traveling.

Travel cancellation insurance, for example, covers cancellation costs if you are unable to take your vacation 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 insurance for both individuals and group travel with powerful rates for the best coverage.

There are many possibilities to take out a travel cancellation insurance, often this is also offered when booking a flight. However, these are often no high performance tariffs which apply e.g. only to the flight, but not to the hotel.

For this reason, we recommend to take out the travel cancellation insurance with an insurance broker or an insurance company, which offer a more extensive protection and powerful rates.

For travel within the own country the private health insurance is usually sufficient. When traveling abroad, you should in any case take out an international health insurance, but the private health insurance, like the other travel insurances, is not legally required. It is up to each traveler to decide which risk he wants to bear and which not.

Travel insurances that are booked for a single trip end automatically after the end of the trip. If you want to cancel this before the journey, you must cancel the insurance in due time.
With annual insurances it behaves differently, they extend automatically by one year, should no notice in time be received.

No deductibility for private travel!
Insurance for private travel - including travel cancellation insurance - is not deductible by german law.

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