No matter if package tour, backpacking, business trip or family vacation, with our trip insurances you will arrive relaxed at your destination inland or abroad. On this page you will find the most important information & services regarding our trip insurances.
Our trip insurances:
There are some trip insurances with which you can insure your trip inland or abroad.
Here you will find a short explanation of the respective travel insurance:
International travel health insurance
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:
The services are identical for both variants, here is an extract of the most important services of the international health insurance:
Travel cancellation insurance
The travel cancellation insurance covers you in the event that you are unable to travel.
Reasons for this can be:
Services of the travel cancellation insurance:
Insurance conclusion is possible with or without deductible.
Travel interruption 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:
The luggage insurance, insures the luggage while travelling and is especially useful for people who travel with valuable or important luggage.
Overview of benefits:
Work and Travel insurance
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.
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 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
International health insurance as individual insurance for one trip:
► from 10,- Euro per person
Different travel insurances cover different risk cases and pay in the specific case for which the respective insurance was concluded. To extend this protection, you can optionally take out additional insurance in the package.
Which travel insurance pays for what?
International health insurance
In the event of illness during the trip, an international health insurance policy covers medical and hospital costs for medical treatment, the costs of return transport to the home country, as well as repatriation in the event of death. This is particularly important for travel outside Europe. But also when traveling in other European countries, if, for example, treatment is provided by private doctors or no insurance card of the statutory health insurance is available.
Travel cancellation insurance
Cancellation insurance pays for cancellation costs if you have to cancel your trip due to sudden illness, a family emergency or accident, as well as for other reasons even before the trip begins.
Info: Reasons for travel cancellation
Travel interruption insurance
Travel interruption insurance covers additional costs for an early return trip as well as rebooking and other additional costs if you have to interrupt the trip you have already started due to illness or an accident.
Info: Reasons for travel interruption
Travel luggage insurance
The travel luggage insurance covers expenses 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
The 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.
Is trip insurance necessary?
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.
How does travel insurance work?
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.
Where can I purchase travel cancellation insurance?
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.
When do you need travel insurance?
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.
Is it possible to cancel a travel insurance?
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.
Is travel insurance (travel cancellation) tax deductible?
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.