Coronavirus and travel insurance– frequently asked questions
Travel health insurance questions
Yes
Yes, please inform us of this in writing.
Generally insured
If you have a Foreign Travel Health Insurance policy with HanseMerkur, you have extensive insurance cover when abroad. If you become infected with coronavirus during your trip abroad, all medically necessary treatment costs incurred at that location are in principle insured!
This also applies since the World Health Organisation (WHO) has classified the coronavirus as a pandemic.
No impact
The travel warning issued by the Federal Foreign Office (Auswärtiges Amt) has no impact on your insurance cover. You are not obliged to end your trip prematurely. However, we recommend that you check if you can finish your trip early. The agreed period of cover continues to remain valid.
Travel cancellation and curtailment insurance questions
Cancellation fees may arise
All travellers have the right to cancel. However, trip organisers or other service providers are in principle entitled to charge the cancellation fees agreed in the contract.
No insured event
The travel cancellation insurance will protect you if you need to cancel your trip due to unexpected and serious illness. Fear of falling ill is not an insured event.
No insured event
A warning from the Federal Foreign Office is not an insured event. If you have booked a package trip, please contact your tour operator, or if you have booked a modular trip contact your service providers.
Insured event
Yes, that is an insured event. We recognise an official positive test result (citizen’s test or PCR test) as an insured event.
Quarantine not insured
A potential quarantine situation is not insured. This is what is referred to as an “official action”. If you have booked a package trip, please contact your tour operator, or if you have booked a modular trip, contact your service providers.
No insured event
Insurance cover only applies to the specific events listed in the insurance terms and conditions. This does not apply to cancellation due to restrictions at the holiday resort.
No insured event
You may assert your right to be reimbursed for any payments already made to your travel agency, hotel or landlord of your holiday apartment. There are no claims from travel cancellation insurance.
No refund
The premium for travel cancellation insurance will not be reimbursed if the organiser cancels your trip or if you are unable to travel due to a ban on entry into the country. The cover provided by travel cancellation insurance applies from the booking date, meaning that the insurance benefit has already been provided.
For "Premium-" and "Komfort-Schutz" Coverage packages, benefits are paid on a pro-rata basis and apply from the start of your trip (travel health insurance, holiday guarantee etc.).
General questions
Protective vaccination in your area & further measures
It is important to wash your hands thoroughly several times a day. You should not cough or sneeze into your hand; instead you should sneeze into your elbow and/or use a tissue. Dispose of tissues in a closed bin straight away and if possible ventilate for 5-10 minutes at least 3 times per day.
The best protection against the SARS-CoV-2 virus is the corona vaccination. Vaccination is free and available in many places. Current information on vaccines and vaccination dates in your area can be found on the website of the Federal Ministry of Health.
In addition to vaccination, other measures help to avoid infection and thus prevent the virus from spreading:
- Follow the AHA rule: keep your distance, observe hygiene, wear an everyday mask.
- Take the opportunity to carry out regular quick tests
- You comply with the entry rules after traveling abroad from a virus variant area. The Federal Foreign Office provides up-to-date information on this.
Travel advice for all countries
Travel warnings can be found on the website of the Federal Foreign Office: