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.
Breakdown or accident? Our car travel breakdown and accident cover helps, swiftly and easily.
Package price: You only pay the total price and not per person - Germany cover applies only in connection with a hotel booking or an apartment
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).
| Germany cover for foreign guests | |
|---|---|
| Travel cancellation insurance
Highlights of the travel cancellation insurance
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| Travel curtailment insurance
Highlights of the travel curtailment insurance:
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| Emergency insurance
Emergency insurance
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| Baggage insurance
Baggage insurance
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| Car travel breakdown and accident cover
Car travel breakdown and accident cover
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| Travel health insurance
Travel health insurance
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| Product information | Download PDF |
Terms of contract | |
| Maximum duration of trip | 45 days |
| Area of application | Germany |
| Number of insured trips | single |
| Overview of prices | Download PDF |
Sample pricing(for one trip, package costing € 1,200) | € 67 Calculate & book |
| Benefits | Foreign health insurance |
|---|---|
| out-patient treatment by the doctor | |
| out-patient treatment by the doctor | |
| pain-killing, preserving dental treatments and restoration of the function of dental prostheses up to | |
| pain-killing, preserving dental treatments and restoration of the function of dental prostheses up to | € 300 |
| in-patient hospital treatment | |
| in-patient hospital treatment | |
| medications and surgical dressings prescribed by a doctor | |
| medications and surgical dressings prescribed by a doctor | |
| massages, medical dressings and inhalations up to | |
| massages, medical dressings and inhalations up to | € 300 |
| aids prescribed by a doctor if you have an accident | |
| aids prescribed by a doctor if you have an accident | |
| pregnancy tests and treatment pregnancy check-ups and treatment provided that there was no pregnancy at the inception date up to | |
| pregnancy tests and treatment pregnancy check-ups and treatment provided that there was no pregnancy at the inception date up to | € 100,000 |
| transport by ambulance to the nearest suitable hospital for in-patient treatment | |
| transport by ambulance to the nearest suitable hospital for in-patient treatment | |
| the repatriation of mortal remains or burial up to | |
| the repatriation of mortal remains or burial up to | € 10,000 |
| 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 | |
| Additional benefits for ferry boat trips | |
| Additional benefits for ferry boat trips | |
| Reimbursement of the additional accommodation costs incurred in the event of an unexpected and unannounced ferry cancellation on the day of arrival up to | |
| Reimbursement of the additional accommodation costs incurred in the event of an unexpected and unannounced ferry cancellation on the day of arrival up to | € 150 |
| 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 | |
| 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 |
| Insured benefits | Travel curtailment insurance |
|---|---|
| The travel curtailment insurance serves to cover costs incurred if the trip has to be cancelled, interrupted or the return journey delayed for an insured reason | |
| The travel curtailment insurance serves to cover costs incurred if the trip has to be cancelled, interrupted or the return journey delayed for an insured reason | |
| Insured benefits | |
| Insured benefits | |
| Curtailment of the trip | |
| Curtailment of 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 additional return travel costs incurred, including other additional costs (e.g. accommodation and meals) | |
| reimbursement of additional return travel costs incurred, including other additional costs (e.g. accommodation and meals) | |
| Interruption of the trip | |
| Interruption of the trip | |
| reimbursement of unused travel services or reimbursement of unused travel days in proportion to the total duration of the trip | |
| reimbursement of unused travel services or reimbursement of unused travel days in proportion to the total duration of the trip | |
| Delay of the return trip | |
| Delay of the return trip | |
| reimbursement of additional return travel costs incurred, including other additional costs (e.g. accommodation and meals) and additional accommodation costs | |
| reimbursement of additional return travel costs incurred, including other additional costs (e.g. accommodation and meals) and additional accommodation costs | |
| Interruption of round trips or cruises | |
| Interruption of round trips or cruises | |
| reimbursement of transport costs from the place of interruption to the travel group | |
| reimbursement of transport costs from the place of interruption to the travel group | |
| Insured reasons | |
| Insured reasons | |
| unexpected serious illness | |
| unexpected serious illness | |
| unexpected worsening of an existing illness | |
| unexpected worsening of an existing 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 | |
| prosthesis breakage and loosening of implanted joints | |
| prosthesis breakage and loosening of implanted joints | |
| vaccine intolerance | |
| vaccine intolerance | |
| organ donation / reception | |
| organ donation / reception | |
| significant damage (from EUR 2,500) to the insured person's property | |
| significant damage (from EUR 2,500) to the insured person's property | |
| unexpected court summons | |
| unexpected court summons | |
| taking a child into care or adopting a child during the travelling period | |
| taking a child into care or adopting a child during the travelling period | |
| missing the insured means of transport: - due to cancellation of public transport or delay of more than 2 hours - due to involvement in an accident or breakdown during the trip | |
| missing the insured means of transport: - due to cancellation of public transport or delay of more than 2 hours - due to involvement in an accident or breakdown during the trip | |
| illness, death of a dog/cat registered to go on the trip | |
| illness, death of a dog/cat registered to go on the trip | |
| extreme weather or a geological event at the holiday destination (e.g. avalanches, landslides, floods, earthquakes, hurricanes or fire) | |
| extreme weather or a geological event at the holiday destination (e.g. avalanches, landslides, floods, earthquakes, hurricanes or fire) | |
| Deductible for one-time insurance | |
| Deductible for one-time insurance | |
| No deductible for all insured events with the exception of serious and unexpected illnesses treated on an outpatient basis. In this case, the deductible is 20 % of the eligible claim. | |
| No deductible for all insured events with the exception of serious and unexpected illnesses treated on an outpatient basis. In this case, the deductible is 20 % of the eligible claim. | |
| Deductible for annual insurance | |
| Deductible for annual insurance | |
| No deductible | |
| No deductible | |
| Benefits | Emergency Insurance |
|---|---|
| In case of sickness, accident, death and hospital stays in Germany | |
| In case of sickness, accident, death and hospital stays in Germany | |
| search, rescue and recovery costs in the case of accident up to | |
| search, rescue and recovery costs in the case of accident up to | € 5,000 |
| patient transport up to | |
| 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 | |
| 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 | |
| In case of travel curtailment or delayed return journey | |
| In case of 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 | |
| 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 | |
| In case of criminal prosecution | |
| In case of criminal prosecution | |
| assistance if arrested or at risk of being arrested, loan up to | |
| assistance if arrested or at risk of being arrested, loan up to | € 3,000 |
| provision of a loan for bail up to | |
| provision of a loan for bail up to | € 15,000 |
| In case of lost cash or credit cards | |
| In case of lost cash or credit cards | |
| Help in contacting the bank at home | |
| Help in contacting the bank at home | |
| help with the transfer of funds between the bank at home and the insured person | |
| 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 | |
| provision of a cash advance as a loan up to | € 500 |
| In case of bicycle breakdown and theft | |
| In case of bicycle breakdown and theft | |
| assistance and reimbursement, in the event of a breakdown, of up to | |
| assistance and reimbursement, in the event of a breakdown, of up to | € 75 |
| organisation and coverage of costs for return home if another form of transport needs to be used because of the theft of a bicycle, up to | |
| organisation and coverage of costs for return home if another form of transport needs to be used because of the theft of a bicycle, up to | € 250 |
| Guardian angel for your home in the case of substantial damage (min. 2,500 €) to property at home | |
| 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 | |
| organisation of a return journey and coverage of the additional travel expenses | |
| Coverage of costs for necessary emergency repairs up to€ | |
| Coverage of costs for necessary emergency repairs up to€ | € 500 |
| Guardian angel for lost keys to holiday homes | |
| Guardian angel for lost keys to holiday homes | |
| In the event of loss of keys (consequential costs are excluded) | |
| In the event of loss of keys (consequential costs are excluded) | € 500 |
| Benefits | Luggage insurance |
|---|---|
| insurance sum for individuals | |
| insurance sum for individuals | € 2,500 |
| Benefits | Car travel breakdown and accident cover |
| help at the location of the incident and coverage of tow costs up to | € 300 |
| additional travel costs if the trip cannot be continued in your vehicle due to breakdown, theft or accident | € 2,500 |
| delivery of spare parts including delivery costs | |
| The car travel breakdown and accident cover only applies with the car-bus-train premium and only for journeys in Europe an Germany with by private car. |
