Vacation insurance: Which travel insurance really makes sense on vacation!

Travel cancellation insurance

Reimbursement of cancellation costs
up to 14 days before departure
Rebooking costs up to 30 €

from 2,2% of the total tour price

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Travel interruption insurance

Rebooking costs
Accommodation costs
Additional costs for return journey

included in the travel cancellation insurance

Travel liability insurance

Personal injury
Property damage
Financial losses

possible as additional insurance

Baggage insurance

Loss of luggage
Damage to luggage
Reimbursement for replacement purchases

from 25,00 Euro per trip

Legal protection insurance

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

possible as additional insurance

Work & Travel insurance

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

from 1,15 € per day

Annual travel insurance

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

from 9,90 € per year

Cruise travel insurance

International health insurance
Cancellation insurance
Luggage insurance

additional material packages possible

Hotel cancellation insurance

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

from 5 € per hotel

Ticket cancellation insurance

Reimbursement of cancellation costs
no deductible
up to 30 days before event

from 1,40 € per ticket

Seminar cancellation insurance

Reimbursement of seminar costs
Reimbursement of rebooking costs
Expenses due to delay

from 5,90 € per seminar

Our holiday insurances explained in brief

Whether you're on a package holiday, backpacking or a short break, with the right holiday insurance you can arrive relaxed at your destination at home or abroad and enjoy your vacation without any worries. But which insurances are there and when do they make sense?

Here you will find a brief explanation of the relevant insurance for your holiday:

Health insurance abroad

International health insurance is probably the most important travel insurance and a must for every holidaymaker. As the statutory health insurance does not usually offer sufficient protection abroad, you should take out additional cover. It covers medical costs incurred, whether inpatient or outpatient, as well as costs for medical repatriation if this is medically reasonable and justifiable.

The international health insurance is also available as an annual insurance. Here, any number of trips per year with a total duration of maximum 56 days per trip are insured.

Cancellation insurance

As the name suggests, this travel insurance covers you if you are unable to go on your holiday trip. Be it due to an acute illness, inoculation intolerance, pregnancy, a serious accident or death. Cancellation insurance is especially recommended if it is an expensive trip. In addition, we have separate cancellation insurance for hotels, seminars or tickets, as well as last-minute travel cancellation insurance.

The travel cancellation insurance is also available as an annual insurance for any number of trips per year. We also offer family rates:

Trip interruption insurance

Unfortunately, not everything always goes as planned on holiday, sometimes unforeseen events force an early departure. With the travel interruption insurance, not only the costs of the unclaimed service are covered, but also additional costs due to rebooking or additional travel costs. In our travel cancellation insurance, the travel interruption insurance is already integrated.

Work & Travel insurance

Even though this is not a classic holiday trip, it still falls into the category of holiday insurance. With a working holiday visa you have the opportunity to travel abroad and work. This is the best way to get to know the country and its people. In order to be able to enjoy your Work & Travel stay carefree, an international health insurance is recommended, since the German health insurances do not cover all costs and services occurring abroad. We have negotiated particularly attractive rates for you.

Cruise insurance

There is no such thing as cruise insurance per se, it is more of a recommended combination of several insurances. These are the:

International health insurance
Cancellation insurance
as well as our property package

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Our packages for vacation travel

Travel liability insurance

Anyone who does not have personal liability insurance with worldwide coverage should definitely take out travel liability insurance for trips. The conclusion is possible until the day of departure. Even a minor inattention can cause personal injury, property damage or financial loss during a trip. This can lead to high claims for damages, which are then asserted against you. The benefits of travel liability insurance correspond to those of private liability insurance, they cover the costs, in the event of damage caused by you for the duration of the vacation trip.
The travel liability insurance cannot be booked individually, it can only be taken out in conjunction with the property package in the case of corresponding travel insurance policies. Our property package consists of liability and accident insurance. Optionally, a travel legal protection and a luggage insurance can be booked as well.
Simply select the property package when purchasing online, but please note that this option is not available with our partners. Contact us if you would like to purchase a vacation insurance with a property package.

Legal expenses insurance

Not every 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. The travel legal protection insurance cannot be booked separately, but only in the property package. The property package includes in addition to the legal protection insurance also the liability, accident, and an optional luggage insurance. Simply select the property package when purchasing online, but please note that this option is not available with our partners.

Luggage insurance

It is not always possible to keep an eye on luggage, above a certain size or weight it is stowed away in a separate place during a flight, bus or train journey, but also in the hotel it is often left unattended. Unfortunately, this occasionally leads to theft, damage to luggage or it being lost during the trip. Since many people understandably do not want to do without their camera, laptop or other valuable electronic devices on holiday, it is worthwhile to have travel luggage insurance. The baggage insurance provides compensation up to a maximum of € 3,000 per participant.

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Travel accident insurance

Travel accident insurance is also included in our holiday insurance property package 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.

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Trust in our expertise

Germany's best

We are one of the best in the industry, see for yourself.

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High customer satisfaction

Over 60 years of experience with travel insurance pays off.

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Digital process

We offer much more than just a digital customer account.

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Which holiday insurance makes sense?

Choosing the right vacation insurance depends heavily on the nature of your trip. While a package tour usually involves fewer risks, a backpacking trip through an unknown country can certainly pose some challenges. It is therefore important that each traveler decides individually which insurance is best suited to their needs in order to feel safe.

However, regardless of the nature of your trip, there are some insurances that we would generally recommend to provide the best possible protection:

International health insurance: for medical costs that may arise during your vacation abroad.
Travel cancellation insurance incl. travel interruption insurance: if you have to cancel your trip before the start or during the trip.
Accident insurance: for accidents that may occur during the trip.
Travel liability insurance: if you cause damage during your trip.

What benefits does annual travel insurance offer for vacation trips?

Annual travel insurance offers numerous advantages for people who travel more frequently during the year. Here are some of the most important points you should consider:

Cost efficiency: Annual travel insurance is particularly cost-effective compared to individual insurance policies, especially if you travel more than once a year.
Comfort: With annual travel insurance, you can travel as often as you like without having to register each trip individually with the insurance company. This means less paperwork and more time to look forward to your trip.
Flexibility: Annual insurance policies are taken out for at least one year and are automatically extended from year to year. This gives you the freedom to spontaneously book cheap vacations without having to worry about insurance cover.

Overall, annual travel insurance allows you to plan your trip without worries and offers comprehensive cover for all your vacation trips within a year. So you can be sure that you are covered for every day of your trip.