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  • Travel cancellation insurance

Travel cancellation and curtailment insurance

Ein Ehepaar sitzt in einem bunten Boot. Im Hintergrund kann man Häuser sehen.
Stiftung Warentest Reiserücktrittsversicherung Testsieger Sehr Gut 1,4

Travel cancellation insurance

  • Covers cancellation costs
  • Special rates for families
  • Discounted premiums for last minute bookings
€
44

(Sample pricing, travel costs up to € 1,000, without travel curtail­ment cover)

Calculate & book
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Your benefits

Trip cancellation insurance protects you before you start your trip and covers the costs if you cannot start your trip or can only do so after a later date. If, for example, you take out insurance for your family and a family member becomes ill before the trip and you are unable to start the trip, HanseMerkur's trip cancellation insurance is there for you and will cover the cancellation costs that arise. With our holiday guarantee (travel curtailment insurance) you are protected during the trip and are insured against the interruption or extension of your trip - worldwide.

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

Travel cancellation & curtailment insurance
Product information
Download PDF
Travel cancellations 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.
Covid-19 travel protection 
Highlights of the holiday guarantee (travel curtailment insurance):
  • Travel Cancellation Insurance: The coronavirus travel cover supplements your travel cancellation insurance in the following cases: We will pay the costs if you have to self-isolate at home (quarantine) as the result of a regulatory measure (e.g. ruling) or a ruling by authorised third parties (e.g. doctor). We will pay the costs if you are refused transportation or admission to the insured rental property (e.g. by airport staff or by the landlord) on the day of outbound travel.
  • Holiday guarantee (Travel interruption insurance): The coronavirus travel cover supplements your travel curtailment insurance in the following cases: We will pay the costs if you have to self-isolate at home (quarantine) as the result of a regulatory measure (e.g. ruling) or a ruling by authorised third parties (e.g. doctor). We will pay the costs if you are refused transportation (e.g. by airport staff) on the day of return travel.
Number of insured trips
single
Maximum duration of trip travel cancellation insurance
unlimited
Maximum duration of trip travel curtailment insurance
-
Area of application
worldwide
Type of travel
flights, train and bus journeys and for trips by car, special tariffs apply for sea voyages
Family tariff
Group tariff
Last minute tariff
Overview of prices
Download PDF

Sample pricing for travel cancellation insurance

€ 44

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

Sample pricing for travel cancellation and travel curtailment insurance

€ 49

(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
Covid-19 travel protection: travel cancellation insurance
Insured benefitsCovid-19 travel protection: travel cancellation insurance
Additional benefits travel cancellation insurance (only valid in conjunction with the main product travel cancellation insurance)
Additional benefits travel cancellation insurance (only valid in conjunction with the main product travel cancellation insurance)
If the trip is not undertaken
If the trip is not undertaken
Reimbursement of the contractually required cancellation costs
Reimbursement of the contractually required cancellation costs
Reimbursement of single-room supplement or reimbursement of the proportionate costs for the double room in the event of partial cancellation
Reimbursement of single-room supplement or reimbursement of the proportionate costs for the 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 the additional costs to reach the destination
Reimbursement of the additional costs to reach the destination
Reimbursement of unused travel services
Reimbursement of unused travel services
If the journeybooking is changed
If the journeybooking is changed
Reimbursement of rebooking fees
Reimbursement of rebooking fees
Insured events
Insured events
You or a person at risk are suspected of being infected or infected with the coronavirus (COVID-19). Then there is an insured event in the following cases:
You or a person at risk are suspected of being infected or infected with the coronavirus (COVID-19). Then there is an insured event in the following cases:
Self-isolation (quarantine) as a result of an official measure (e. g. an order) or an order by an authorized third party (e. g. medical practitioner) based on a legal provision (e. g. a regulation)
Self-isolation (quarantine) as a result of an official measure (e. g. an order) or an order by an authorized third party (e. g. medical practitioner) based on a legal provision (e. g. a regulation)
On the date of the return journey trip (end of trip), carriage is denied by authorized third parties (e. g. airport staff, landlord)            
On the date of the return journey trip (end of trip), carriage is denied by authorized third parties (e. g. airport staff, landlord)            
Deductible
Deductibleno deductible
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
Covid-19 travel protection: travel curtailment insurance
Insured benefitsCovid-19 travel protection: travel curtailment insurance
Additional benefits travel interruption insurance (only valid in conjunction with the main product travel cancellation insurance)
Additional benefits travel interruption insurance (only valid in conjunction with the main product travel cancellation insurance)
In case of trip interruption
In case of trip interruption
Reimbursement of the additional return travel costs verifiably incurred and the resulting costs incurred
Reimbursement of the additional return travel costs verifiably incurred and the resulting costs incurred
Reimbursement of the total travel price provided that the the trip is interrupted within the first half of the trip durations (max. within the first 8 days)
Reimbursement of the total travel price provided that the the trip is interrupted within the first half of the trip durations (max. within the first 8 days)
Reimbursement of unused travel services, provided that the trip is interrupted within the second half of the trip (after the 9th day at least)
Reimbursement of unused travel services, provided that the trip is interrupted within the second half of the trip (after the 9th day at least)
In case of delayed return journey
In case of delayed return journey
Reimbursement of the additional return travel costs verifiably incurred and the resulting additional costs incurred
Reimbursement of the additional return travel costs verifiably incurred and the resulting additional costs incurred
Reimbursement of the verifiable additional return travel costs and other additional costs directly caused by this
Reimbursement of the verifiable additional return travel costs and other additional costs directly caused by this
Reimbursement of the additional costs for accommodation up to the limit of the sum insured, but at least up to
Reimbursement of the additional costs for accommodation up to the limit of the sum insured, but at least up to2.500 €
Insured events
Insured events
You or a person at risk are suspected of being infected or infected with the coronavirus (COVID-19). Then there is an insured event in the following cases:
You or a person at risk are suspected of being infected or infected with the coronavirus (COVID-19). Then there is an insured event in the following cases:
Domestic isolation (quarantine) as a result of an official action (e. g. an order) or an order by an authorized third party (e. g. medical practitioner) based on a legal provision (e. g. a regulation)
Domestic isolation (quarantine) as a result of an official action (e. g. an order) or an order by an authorized third party (e. g. medical practitioner) based on a legal provision (e. g. a regulation)
On the date of the return journey trip (end of trip), carriage is denied by authorized third parties (e. g. airport staff)
On the date of the return journey trip (end of trip), carriage is denied by authorized third parties (e. g. airport staff)
Deductible
Deductibleno deductible
Eine Familie sitzt unter einem Sonnenschirm am Strand und spielen im Sand.

Our tip for you – the annual travel cancellation insurance

We are also right for your if you travel a lot or for long periods. Already cheaper if you take more than one trip per year: € 55 (sample pricing per year, including holiday guarantee, trips costing up to € 1,000)

Annual travel cancellation insurance

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

Benefits

Overview of prices

General terms & conditions

Information sheet on insurance products

Benefits

You can find all benefit documents at a glance here: 

  • Benefits: Travel cancellation insurance and travel curtailment insurance
  • Benefits: Covid-19 travel protection

Overview of prices

You can find all overviews of prices at a glance here: 

  • Overview of prices: Travel cancellation insurance and travel curtailment insurance
  • Overview of prices: Covid-19 travel protection

General terms & conditions

You can find all general terms & conditions at a glance here: 

  • General terms & conditions: Travel cancellation insurance and travel curtailment insurance
  • General terms & conditions: Covid-19 travel protection

Information sheet on insurance products

You can find all information sheets on insurance products (IPID) at a glance here:


  • Information sheet on insurance products (IPID): Travel cancellation insurance and travel curtailment insurance
  • Information sheet on insurance products (IPID): Covid-19 travel protection

Book directly – travel cancellation insurance

Conveniently choose from the following payment methods when booking: 

Zahlungsmethoden
  • Travel cancellation &...

Travel cancellation & curtailment insurance

€
49

(sample pricing per year, including curtailment insurance, trips costing € 1,000, up to the 65th birthday)

Calculate & book

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