Your benefits

Your perfect cover for unlimited trips per year: The annual travel cancellation insurance and travel curtailment insurance. The 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 case of an unexpected severe illness). With the travel curtailment insurance you stay covered during your holiday – HanseMerkur compensates you for costs incurred if you must cut your trip short.

Tariff overview

	Annual travel cancellation & curtailment insurance
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. 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.
Travel curtailment insurance Highlights of the 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.	optional
Product information	Download PDF
Terms of contract
Number of insured trips	for any number of trips within one year
Maximum duration of trip travel cancellation insurance	unlimited
Maximum duration of trip travel curtailment insurance	56 days per trip
Area of application	worldwide
Type of travel	flight, train, sea and bus journeys and car trips
Overview of prices	Download PDF
Familiy tariff Family tariff A family is defined as a maximum of 2 adults and a maximum of 7 children up to their 26th birthday. No family relationship or joint residence is required. If family members are travelling alone with the annual travel cancellation insurance, the sum insured is 50% of the agreed family sum insured. The annual travel cancellation insurance with travel curtailment insurance in the family tariff can also be taken out by 2 adults as a couple. Here too, no family relationship or joint residence is required.
Sample pricing for travel cancellation insurance (up to the 65th birthday, trip costing € 1,000)	€ 55 Calculate & book

Insured benefits

Travel cancellation insurance

The travel cancellation insurance serves to cover the costs incurred if the trip does not start or does not start on time or has to be rebooked before the start of the trip for an insured reason.

Insured benefits

Non-commencement of the trip or non-use of the rental property

reimbursement of cancellation costs including agency fees charged at the time of booking

reimbursement of the single room supplement or reimbursement of the pro rata costs for the double room in the event of partial cancellation by an accompanying person

Delayed departure

reimbursement of the additional outward trip costs incurred

reimbursement of travel services not utilised

Rebooking the trip

reimbursement of rebooking costs for an insured reason

reimbursement of rebooking costs without an insured reason up to 42 days before departure up to

€ 30

If the cruise ship is missed and a subsequent trip is necessary

reimbursement of additional travelling costs due to a public transport delay of more than 2 hours up to

€ 1,500

If you receive a cheaper offer for a flight package holiday (best-price guarantee)

reimbursement of the price difference between the actual travel price and the competing offer received within 7 days of the travel booking, up to a proportion of the travel price of

20 %

Insured events

unexpected serious illness

unexpected worsening of an existing illness

death, severe injury due to an accident

pregnancy and complications during the pregnancy

prosthesis breakage and loosening of implanted joints

vaccine intolerance

organ donation / reception

significant damage (from EUR 2,500) to the insured person's property

unexpected court summons

taking a child into care or adopting a child during the travelling period

unexpected dismissal for operational reasons, re-employment after unemployment, short-time working or change of job

pupil/student protection:
- date of a repeat examination falls within the insured travel period
- non-promotion of a pupil

unexpected start of an employment or training relationship subject to social security contributions of (at least 15 hours per week)

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

unexpected allocation of a place in a retirement home and the need to move in during the travelling period

refused visa for the destination country

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.

Deductible for annual insurance

No deductible

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

Insured benefits

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 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)

Interruption 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

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

reimbursement of transport costs from the place of interruption to the travel group

Insured reasons