Travel cancellation and curtailment insurance – leave your worries behind on your holiday
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
| Travel cancellation & curtailment insurance | ||
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| Product information | Download PDF | |
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Travel cancellations insurance
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Travel curtailment insurance
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| 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 | |
| Example pricing for travel cancellation insurance (up to the 65th birthday, trip costing € 1,000) |
€ 43 |
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| Example pricing for travel cancellation and travel curtailment insurance (up to the 65th birthday, trip costing € 1,000) |
€ 47 |
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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 | |
