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  • Annual travel cancellation insurance

Annual travel cancellation and curtailment insurance – perfect cover for one year

Eine Familie sitzt unter einem Sonnenschirm am Strand und spielen im Sand.
Stiftung Warentest Jahres-Reiserücktrittsversicherung Gut 1,6

Annual travel cancellation insurance

  • For unlimited trips per year
  • No deduc­tible
  • Special rates for families
€
49

(Sample pricing for travel costs up to € 1,000 per trip, without travel curtail­ment insurance)

Calculate & book
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Your benefits

Your perfect cover for unlimited trips per year: The annual travel cancellation insurance and "holiday guarantee". The travel cancellation insurance covers all trips within a year and assumes the costs incurred if you cannot go on your trip or can only start your trip with a delay (e.g. in case of an unexpected severe illness). With the "holiday guarantee" (travel curtailment insurance) you stay covered during your holiday - HanseMerkur compensates you for costs incurred if you must cut your trip short.

We compensate you for the cancellation costs, e.g. in the case of an unexpected severe illness or special events such as temporary work or a court summons.

We compensate you for the rebooking costs up to € 30 up to 42 days before the start of the trip for personal reasons.

Six persons are mutually insured if a person must cancel the trip and the trip was booked jointly and all persons travelling are insured.

Tariff overview

Annual travel cancellation & curtailment insurance
Product information
Download PDF
Travel cancellation insurance
Highlights of the travel cancellation insurance
  • We compensate you for contractually agreed cancellation or rebooking costs in the case of an insured event (no-show or unused rental property).
  • No deductible, except for illnesses treated with outpatient care.
  • You can change the booking for personal reasons up to 42 days before you go on your trip - we assume the rebooking costs up to € 30 per person.
Travel curtailment insurance
Highlights of the holiday guarantee (travel curtailment insurance):
  • You have to terminate your trip. No problem - we reimburse you for the costs of your return journey and on the first eight days of your trip also for the full costs of your missed holiday. From the ninth day, we pay a proportionate share of all missed holiday benefits.
  • If you must cancel your trip for insured reasons, we reimburse you for the costs of catching up, e.g. in the case of a round trip.
  • Did you break a leg during the trip and must curtail the trip? We pay for additional return journey costs.
  • If another person travelling cancels, we pay for the costs of the partial cancellation, e.g. the single room supplement.
Number of insured trips
multi
Maximum duration of trip travel cancellation insurance
unlimited
Maximum duration of trip travel curtailment insurance
56 days per trip
Area of application
worldwide
Type of travel
flight, train, sea and bus journeys and car trips
Familiy tariff
Overview of prices
Download PDF

Sample pricing for travel cancellation insurance 

€ 49

(up to the 65th birthday, trip costing € 1,000)

Sample pricing for travel cancellation & travel curtailment insurance

€ 54

(up to the 65th birthday, trip costing € 1,000)
Calculate & book

At a glance – key insurance benefits

Travel cancellation insurance
Insured benefitsTravel cancellation insurance
For non-commencement of the trip or non-use of the rental property
For non-commencement of the trip or non-use of the rental property
Reimbursement for the contractually required cancellation costs
Reimbursement for the contractually required cancellation costs
Reimbursement of a single room surcharge or reimbursement of the share of costs for a double room in the event of partial cancellation
Reimbursement of a single room surcharge or reimbursement of the share of costs for a double room in the event of partial cancellation
In the event of a delayed start to the journey
In the event of a delayed start to the journey
Reimbursement of additional costs to reach the destination
Reimbursement of additional costs to reach the destination
Reimbursement of unused travel services
Reimbursement of unused travel services
If the trip booking is changed
If the trip booking is changed
Reimbursement of the cost of changing bookings due to an insured reason
Reimbursement of the cost of changing bookings due to an insured reason
When changing the booking up to 42 days prior to departure, reimbursement of the cost up to max. € 30 per person, if no insured reason is specified
When changing the booking up to 42 days prior to departure, reimbursement of the cost up to max. € 30 per person, if no insured reason is specified
Insured reasons
Insured reasons
Unexpected serious illness
Unexpected serious illness
Death, severe injury due to an accident
Death, severe injury due to an accident
Pregnancy and complications during the pregnancy
Pregnancy and complications during the pregnancy
Breakage of prostheses and loosening of implanted joints
Breakage of prostheses and loosening of implanted joints
Immunisation intolerance
Immunisation intolerance
Organ donation / Beneficiary of organ donation
Organ donation / Beneficiary of organ donation
Substantial damage (from € 2,500) to the insured person's property
Substantial damage (from € 2,500) to the insured person's property
Unexpected court summons
Unexpected court summons
Adoption of a minor
Adoption of a minor
Notice of termination for operational reasons, short-time work, re-employment after period of unemployment, change of workplace
Notice of termination for operational reasons, short-time work, re-employment after period of unemployment, change of workplace
Pupil/student protection:
- date of a repeat examination falls within the insured travel period
- non-promotion of a pupil
Pupil/student protection:
- date of a repeat examination falls within the insured travel period
- non-promotion of a pupil
Unexpected start of an employment or training relationship subject to social security contributions of (at least 15 hours per week)
Unexpected start of an employment or training relationship subject to social security contributions of (at least 15 hours per week)
Transport delay
Transport delay
Illness, death of a dog/cat registered to go on the trip
Illness, death of a dog/cat registered to go on the trip
Deductible for one-time insurance
Deductible for one-time insuranceNo deductible for all insured events with the exception of illnesses that are subject to out-patient treatment. In this case, the deductible amounts to 20% of the reimbursable claim, however at least € 25 per insured person.
Deductible for annual insurance
Deductible for annual insurancenone
Holiday guarantee (travel curtailment insurance)
Insured benefitsHoliday guarantee (travel curtailment insurance)
If you have to curtail the trip
If you have to curtail the trip
Reimbursement of the total trip price provided that the trip is cancelled within the first half of the travel time (at the latest within the first 8 days)
Reimbursement of the total trip price provided that the trip is cancelled within the first half of the travel time (at the latest within the first 8 days)
Reimbursement of unused travel services (limited to the agreed sums insured), if the trip is cancelled in the second half of the travel time (after the 9th day at the latest)
Reimbursement of unused travel services (limited to the agreed sums insured), if the trip is cancelled in the second half of the travel time (after the 9th day at the latest)
Reimbursement of the verifiable additional return travel costs and the directly resulting additional costs incurred
Reimbursement of the verifiable additional return travel costs and the directly resulting additional costs incurred
If you have to interrupt the trip
If you have to interrupt the trip
Reimbursement of unused travel services
Reimbursement of unused travel services
Reimbursement of costs incurred for catching up with the rest of the travel group in the case of a round trip or cruise
Reimbursement of costs incurred for catching up with the rest of the travel group in the case of a round trip or cruise
If your return trip is delayed
If your return trip is delayed
Reimbursement of accommodation costs for the extended stay in the event of inability to travel and natural events
Reimbursement of accommodation costs for the extended stay in the event of inability to travel and natural events
Reimbursement of additional return travel costs and costs incurred as a result
Reimbursement of additional return travel costs and costs incurred as a result
Insured reasons
Insured reasons
Unexpected serious illness
Unexpected serious illness
Death, severe injury due to an accident
Death, severe injury due to an accident
Pregnancy and complications during the pregnancy
Pregnancy and complications during the pregnancy
Breakage of prostheses and loosening of implanted joints
Breakage of prostheses and loosening of implanted joints
Immunisation intolerance
Immunisation intolerance
Organ donation / Beneficiary of organ donation
Organ donation / Beneficiary of organ donation
Substantial damage (from € 2,500) to the insured person's property
Substantial damage (from € 2,500) to the insured person's property
Unexpected court summons
Unexpected court summons
Adoption of a minor
Adoption of a minor
Transport delay
Transport delay
Illness, death of a dog/cat registered to go on the trip
Illness, death of a dog/cat registered to go on the trip
Deductible for one-time insurance
Deductible for one-time insuranceNo deductible for all insured events with the exception of illnesses that are subject to out-patient treatment. In this case, the deductible amounts to 20% of the reimbursable claim, however at least € 25 per insured person.
Deductible for annual insurance
Deductible for annual insurancenone

Our tip: all the important answers about your travel insurance and Covid-19 can be found in our frequently asked questions about Covid-19.

Coronavirus-FAQ Travel insurance

Important documents for download

For printing or saving: you can find all the important documents at a glance here.

  • Benefits
  • Overview of prices
  • General terms & conditions
  • Information sheet on insurance products (IPID)

Book directly – annual travel cancellation insurance

Conveniently choose from the following payment methods when booking: 

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Annual travel cancellation & curtailment insurance

€
54

(sample pricing, including holiday guarantee, trip costing € 1,000, up to the 65th birthday)

Calculate & book

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