| Holidays in Germany: Extensive insurance cover for foreign guests in Germany Discover Germany With the right travel protection for Germany for trips costing up to 100 € / package (Price overview, PDF) Travel protection in Germany - trouble-free from the North Sea to the Alps The German protection package includes foreign health insurance for Germany and travel cancellation insurance plus holiday guarantee (travel curtailment insurance) as well as emergency insurance, luggage insurance and car travel breakdown and accident cover. -
Package price: You only pay the total price and not per person - this pays off if, for instance, you rent a holiday apartment with several others (up to seven people). -
Beach chair, surfing course, yoga lessons? All benefits booked (package price) before the start of the journey are insured. -
Lost the key to the holiday home? Our guardian angel will help out. -
Breakdown or accident? Our car travel breakdown and accident cover helps, swiftly and easily. -
Combine a musical in Hamburg with a city trip? Admission tickets for all events are included in the insurance. -
Your dog or cat ill or in an accident? The travel cancellation insurance covers that too. -
A child falls ill in the first week? Full refund of travel price if curtailment arises during the first half of the trip (maximum in the first 8 days, then pro rata). Travel cancellation insurance Your benefits if you cannot go on your trip - the following benefits are covered: -
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. Cancellation reasons - the travel cancellation insurance is there for you in these events: -
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 Holiday guarantee (travel curtailment insurance) Your benefits if you have to curtail your trip - the following benefits are covered: -
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. Cancellation reasons - the holiday guarantee is there for you in these events: -
Serious accidental injury, unexpected serious illness, or death -
Pregnancy and complications during the pregnancy -
Considerable damage to the property of the insured person (from € 2,500) -
Breakage or loosening of implanted joints -
Immunisation intolerance -
Unexpected court summons -
Adoption of a minor -
Notification of a date for an organ donation -
Delay in a mode of transport (by more than two hours) -
Natural disasters at the travel destination -
Illness or death of a dog/cat registered to go on the trip Emergency insurance The HanseMerkur guardian angel - we help you with emergency insurance in the following cases: -
Sickness, accident, death and hospital stays in Germany – Search, rescue and recovery costs in the case of accident up to 5,000 € – Patient transport up to 2,500 € – Organisation and coverage of 100% of the costs for the repatriation of mortal remains to permanent home location or burial at the place of death -
Criminal prosecution – Assistance if arrested or at risk of being arrested (loan up to 3,000 €) – Provision of a loan for bail up to 15,000 € -
Lost cash or credit cards – Help in contacting the bank at home – Help with the transfer of funds between the bank at home and the insured person – Provision of a cash advance as a loan up to 500 € -
Bicycle breakdown and theft – Assistance and reimbursement, in the event of a breakdown, of up to 75 € – Organisation and coverage of costs for return home of up to 250 € if another form of transport needs to be used because of the theft of a bicycle -
Travel curtailment or delayed return journey – Organisation of the return journey and provision of a loan for additional costs if the trip has to be curtailed due to an illness, accident, abduction or death -
Guardian angel for lost keys to holiday homes – In the event of loss of keys (consequential costs are excluded) -
Guardian angel for your home - in the case of substantial damage (min. 2,500 €) to property at home – Organisation of a return journey and coverage of the additional travel expenses – Coverage of costs for necessary emergency repairs up to 500 € Car travel breakdown and accident cover (only for car journeys) Our car travel breakdown and accident cover helps you - covering you with the following benefits in the event of breakdown, accident or theft: The car travel breakdown and accident cover only applies with the car-bus-train premium. -
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 insurance The HanseMerkur travel luggage insurance covers you for: -
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 We provide the following cover for you with the travel luggage insurance: -
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 Foreign health insurance for foreign guests We cover you for: -
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) – under No. 437 and section M (laboratory services) up to 1.15 times the rate – under sections A, E and O (technical charges) up to 1.8 times the rate – in all other cases up to 2.3 times the rate -
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 What you should know Scope of cover: | Germany | Maximum duration of travel covered: | up to 31 days | Note on entry into contract: | You can take out all insurance agreements containing a travel cancellation insurance when you book the trip - but no later than 30 days before the start of the trip. If there is less than 30 days between the travel booking and the start of the trip, the insurance must be taken out no later than the third working day after the travel booking. Insurance cover starts as soon as you have paid the insurance premium. | Form of payment: | You simply pay by SEPA Core Direct Debit, PayPal or credit card. | Duration: | For the travel cancellation insurance, from the start when the premium is paid until the start of the trip: (check-in). For the other types of insurance, from the start of the trip to the end of the trip | Age limits: | No age surcharge or age limits | Our recommendation for: | holiday-makers and foreign guests | Deductible: | For the travel cancellation insurance and holiday guarantee, you only pay 20% for illnesses treated on an out-patient basis (at least 25 € per person).
For foreign health insurance for foreign guests, the deductible is 25 € per insured event. | Lowest premium: | From 9 € per package for German protection package including foreign health insurance (for a trip cost of 100 €) | Germany Cover | | | Product information sheet | | | 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.
- We pay for the costs if you miss a flight, ferry, train or bus due to a delay in public transport.
- We compensate you for the costs of a partial cancellation, e.g. a single room supplement, if a companion 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.
| | | | Holiday guarantee (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 | | | non-recurring | | Maximum duration of trip (per trip) | | | 31 days | | Example pricing for trips up to 100 € / package | | | 9 € (Overview of prices PDF) | | | | | Jetzt buchen! | | | | | Do you need help? Please contact: - Email
- Service hotline:
+49 40 4119-1919 Our business hours are: Monday - Friday 8 am - 6 pm |