Your benefits

Perfect cover for one year for any number of trips: The travel cancellation insurance and holiday guarantee! The annual 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 the 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
Example pricing for travel cancellation insurance	€ 49 (up to the 65th birthday, trip costing € 1,000)
Example pricing for travel cancellation & travel curtailment insurance	€ 55 (up to the 65th birthday, trip costing € 1,000)
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Insured benefits

Travel cancellation insurance

For non-commencement of the trip or non-use of the rental property

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

In the event of a delayed start to the journey

Reimbursement of additional costs to reach the destination

Reimbursement of unused travel services

If the trip booking is changed

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

Insured reasons

Unexpected serious illness

Death, severe injury due to an accident

Pregnancy and complications during the pregnancy

Breakage of prostheses and loosening of implanted joints

Immunisation intolerance

Organ donation / Beneficiary of organ donation

Substantial damage (from € 2,500) to the insured person's property

Unexpected court summons

Adoption of a minor

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

Unexpected start of an employment or training relationship subject to social security contributions of (at least 15 hours per week)

Transport delay

Illness, death of a dog/cat registered to go on the trip

Deductible for one-time insurance

No 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

none

Insured benefits

Holiday guarantee (travel curtailment insurance)

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 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

If you have to interrupt the trip

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

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 additional return travel costs and costs incurred as a result