Holidays in Germany: Extensive insurance cover for foreign guests in Germany

We compensate you for contractually agreed cancellation or rebooking costs in the case of an insured event.

No deductible. You only pay 20% of cancellation costs for illnesses treated with outpatient care, but at least € 25 per person.

We pay additional costs for the outward journey if you miss your flight, ferry, train or bus due to a delay in public transport (of at least two hours).

If you miss your cruise ship due to a delay in public transport of more than two hours, we further assume any additional costs incurred of up to € 1,500 per person for which evidence can be provided (only for type of travel "voyage").

We compensate you for the costs of a partial cancellation, e.g. a single room supplement, if the co-insured companion (who is also an insured person) must cancel.

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.

Serious accidental injury, unexpected serious illness or death

Pregnancy and complications during the pregnancy

Breakage or loosening of implanted joints

Intolerance to a vaccine

Operations-related dismissal and reemployment after unemployment, temporary work

Change of workplace, to the extent that the probationary period falls in the insured holiday period

Significant damage to the insured person's property due to fire, Acts of God or punishable third-party actions

Student cover: date of a repeat examination during the insured holiday period or non-promotion of a pupil

Transport delay

Adoption of a minor

Notification of a date for an organ donation

Receipt of a court summons

Illness or death of an insured person's dog or cat registered to go on the trip

Do you have to curtail your trip for an insured reason? No problem - we compensate you for the costs of your return journey and in the first half of your trip also for the full costs of your trip (only within the first 8 days of your trip) From the second half of your holiday, we proportionately pay all unused travel services (at the latest from the 9th day).

If you need to interrupt your trip due to valid insurance reasons, we compensate you for additional costs of travel so that you can catch up the travel group if you are e.g. on a round trip or cruise.

Did a co-insured companion break a leg during the trip and cannot be transported? In this case, we assume the additional accomodation costs for you for ten days if you need to extend your stay.

Sickness, accident, death and hospital stays in Germany

Criminal prosecution

Lost cash or credit cards

Bicycle breakdown and theft

Travel curtailment or delayed return journey

Guardian angel for lost keys to holiday homes

Guardian angel for your home - in the case of substantial damage (min. 2,500 €) to property at home

Rebooking if public transport was missed or delayed

In organising an emergency call if the insured person cannot be reached - and we cover the cost

Help at the location of the incident and coverage of tow costs up to 300 €

Delivery of spare parts including delivery costs

Transport of a motor vehicle following its breakdown

Scrapping the motor vehicle

Customs clearance of the motor vehicle

Additional travel costs (up to 2,500 €) if the trip cannot be continued in your vehicle due to breakdown, theft or accident

Luggage which you give a transport company or hospitality establishment to take care of

Luggage which is delivered late (not on the same day) by a transport company

Luggage which is lost, damaged or destroyed by criminal acts

Luggage damage, destroyed or lost in a traffic accident

Luggage that is lost, damaged or destroyed by fire, explosion or force majeure

up to 2,000 € / 4,000 € / 6,000 € insured, depending on which sum insured you selected

up to 250 € for glasses, contact lenses, hearing aids and mobile telephones (car phones are not insured), including accessories for the aforementioned items

up to 750 € for golf and diving equipment, bicycles, including accessories for the aforementioned items

up to 500 € for surfboards and windsurfing equipment, including accessories for the aforementioned items

up to 250 € for musical instruments, including accessories (if taken on the trip for private purposes)

up to 250 € for IT equipment and electronic communication and entertainment systems

up to 500 € for emergency purchases due to luggage delay

the material value in the case of films as well as video, sound and data media

the administrative fees for identity cards, passports, motor vehicle documentation, and other types of ID

out-patient treatment by the doctor up to the maximum rates as defined by the current German fee levels for doctors and dentists (GOÄ/GOZ)

medications and surgical dressings prescribed by a doctor

massages, medical dressings and inhalations up to 300 €

radiation therapy, light therapy and other physical treatments prescribed by a doctor

aids prescribed by a doctor if you have an accident

pain-killing, preserving dental treatments and restoration of the function of dental prostheses up to a maximum of 300 €

pregnancy tests and treatment pregnancy check-ups and treatment provided that there was no pregnancy at the inception date

the repatriation of mortal remains or burial up to 10,000 €

Deductible: 25 € per insured event