Annual travel cancellation and curtailment insurance – perfect cover for one year
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.
Due to the current situation, you can only take out all insurance policies that include travel cancellation insurance within 7 days of booking the trip. We ask you to consider this.
Tariff overview
| Annual travel cancellation & curtailment insurance | ||
|---|---|---|
| Product information | Download PDF | |
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Travel cancellation insurance
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Travel curtailment insurance
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| 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 (up to the 65th birthday, trip costing € 1,000) |
€ 49 | |
| Example pricing for travel cancellation & travel curtailment insurance (up to the 65th birthday, trip costing € 1,000) |
€ 55 |
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At a glance – key insurance benefits
Travel cancellation insurance
| Insured benefits | Travel 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 |
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| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil |
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| 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 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 | |
| Deductible for annual insurance | none |
Holiday guarantee (travel curtailment insurance)
| Insured benefits | Holiday 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, 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, 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 - Nichtversetzung |
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| 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 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 | ||
| Deductible for annual insurance | none | |
