Annual cancellation and travel protection – best cover before and during multiple trips

Annual cancellation insurance with travel protection

Valid worldwide
Any number of trips
Without deductible

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Tariff overview
Benefits
Corona
Questions & Answers
Corona Travel Protection
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Your benefits

Our annual cancellation insurance with travel protection covers you and your family for a full year on as many holidays as you like for up to 62 days. We will help you financially if your travel plans change or "fall through" altogether. In the event of illness or an accident, medical and hospital costs abroad are covered. If luggage, sports equipment or valuables are lost en route, you will also receive a replacement.

* Protection in case of quarantine and being denied boarding. It also applies in the event of a travel warning of safety level 5 to 6. In addition, you are covered in all lines relating to the underlying main product, e.g. health insurance.

Cancellation insurance

Sickness and accident cover during the trip

Can be combined with Coronavirus supplementary protection*

Tariff overview

	Carefree	Premium
Travel cancellation insurance Travel cancellation insurance highlights: Reimbursement of contractually agreed cancellation, rebooking or cancellation costs, if there is an insured reason No excess We will cover the costs if you miss a flight, ferry, train or bus due to the delay of public transport. You can rebook for personal reasons up to 42 days before the start of your trip – we will cover the rebooking costs of up to € 30 per person.
Travel interruption insurance Travel interruption insurance highlights Refund of the entire travel price if cancelled within the first half of the trip (max. 8 days) Refund of unused travel services within the second half of the trip (from day 9) Insured events include unexpected, serious illnesses, pregnancy, damage to property The premium rate also secures many other events
Return travel protection Travel interruption insurance highlights: Post-travel costs in case of interruption of travel, accommodation and return travel costs Insured events include unexpected, serious illnesses, pregnancy, accident injury
Delay protection If public transport is delayed by more than 2 hours, we reimburse additional outward journey costs, accommodation costs and return journey costs.
Transfer protection If the feeder flight is delayed by more than 2 hours at the connecting airport in Europe, we reimburse additional transfer costs, costs for a new booking and accommodation costs.
Reimbursement of deductible If your travel booking already includes cancellation insurance (with a deductible), we pay the deductible charged by the primary insurer (e.g. credit card, tour operator) up to 20% of the insured travel price.
Luggage insurance Replacement for damaged, lost or late baggage.
Travel accident coveragen Reimbursement of expenses in the event of death or disability
Personal assistance Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment.
Travel health insurance Cost sharing for medically necessary healing measures in the event of unexpected illnesses or accidents of the insured person while traveling abroad.
Travel liability insurance Liability risks of everyday life and rental damages.	up to € 750.000	up to € 1 Mio.

Maximum trip duration	62 days	62 days
Scope of cover	Globally (Transfer protection only in Europe)	Globally (Transfer protection only in Europe)
Additionally insured items Extra-Benefits: Acuteness of chronic or existing conditions Death or inpatient treatment of a related unrelated person Document theft Failure to transport equipment Endangering physical security at the holiday destination Disease of dog, cat, horse	–
Best price guarantee Best price guarantee Refund of the price difference for cheaper competitive offers (for package tours; up to 7 days after booking)	–
Deductible	–*	–
Affordable family tariff

Price overview	Download PDF	Download PDF
Max. insurable travel price	€ 10.000 per person/family	€ 10.000 per person/family
Price overview (per year for individuals – travel price up to max. € 5.000)	from € 229	from € 309
	Calculate & book	Calculate & book

* 20% deductible for medical expenses abroad, provided the claims were not first asserted with social or private insurance.

At a glance – the most important benefits

Travel cancellation insurance

What’s covered	Carefree	Premium
In the event of non-commencement of the journey/non-use of the rental property
In the event of non-commencement of the journey/non-use of the rental property
Reimbursement of cancellation costs for insured events
Reimbursement of cancellation costs for insured events
Reimbursement of single supplements
Reimbursement of single supplements	-
In case of delayed departure
In case of delayed departure
Reimbursement of additional outward journey costs incurred
Reimbursement of additional outward journey costs incurred
When rebooking the trip
When rebooking the trip
Reimbursement of rebooking costs for rebooking for an insured reason
Reimbursement of rebooking costs for rebooking for an insured reason
Reimbursement of rebooking costs up to € 30 for rebooking up to 42 days before departure
Reimbursement of rebooking costs up to € 30 for rebooking up to 42 days before departure
Insured reasons
Insured reasons
Financial damage (over € 5,000) due to property crime/accident
Financial damage (over € 5,000) due to property crime/accident	-
Unexpected worsening of an existing condition
Unexpected worsening of an existing condition
Illness or death of dog, cat, horse
Illness or death of dog, cat, horse	-
Unexpected serious illness
Unexpected serious illness
Death, serious accidental injury
Death, serious accidental injury
Pregnancy after travel booking
Pregnancy after travel booking
Fracture of prostheses, loosening of implanted joints
Fracture of prostheses, loosening of implanted joints
Failing the Matura/training exam or failing at school
Failing the Matura/training exam or failing at school
Job loss with subsequent unemployment
Job loss with subsequent unemployment
Significant damage to property
Significant damage to property
Unexpected court summons
Unexpected court summons
Divorce suit, dissolution of registered partnership
Divorce suit, dissolution of registered partnership
Change of job, short-time work
Change of job, short-time work
Re-employment after unemployment
Re-employment after unemployment

Trip interruption insurance

What´s covered	Carefree	Premium
In case of travel cancellation
In case of travel cancellation
Full refund of the travel price if the trip is cancelled within the first half of the trip (max. within the first 8 days)
Full refund of the travel price if the trip is cancelled within the first half of the trip (max. within the first 8 days)
Reimbursement of unused travel services if the trip is interrupted during the second half of the trip (from the 9th day at the latest)
Reimbursement of unused travel services if the trip is interrupted during the second half of the trip (from the 9th day at the latest)
Reimbursement of demonstrably incurred additional return travel costs and other additional costs directly caused by this
Reimbursement of demonstrably incurred additional return travel costs and other additional costs directly caused by this
In case of travel interruption
In case of travel interruption
Reimbursement of unused travel services
Reimbursement of unused travel services
Repayment of travel expenses, for a round trip or cruise, in order to be able to return to the tour group
Repayment of travel expenses, for a round trip or cruise, in order to be able to return to the tour group
In case of late return
In case of late return
Reimbursement of accommodation costs for extended stay in the event of incapacity for transport and elementary events
Reimbursement of accommodation costs for extended stay in the event of incapacity for transport and elementary events
Reimbursement of additional return travel costs and related costs
Reimbursement of additional return travel costs and related costs
Insured reasons
Insured reasons
Unexpected serious illness
Unexpected serious illness
Unexpected worsening of an existing condition
Unexpected worsening of an existing condition	-
Death, serious accident injury
Death, serious accident injury
Pregnancy, complications during pregnancy
Pregnancy, complications during pregnancy
Fracture of prostheses, loosening of implanted articulation
Fracture of prostheses, loosening of implanted articulation
Significant damage to property due to fire, water pipe break-in, burglary
Significant damage to property due to fire, water pipe break-in, burglary
Inpatient treatment or death of a loved one
Inpatient treatment or death of a loved one	-
Financial damage caused by property offences (theft, damage to property) or accident
Financial damage caused by property offences (theft, damage to property) or accident	-

Return trip, delay and transfer protection

What´s covered	Carefree	Premium
Post-travel costs in case of interruption of travel, accommodation and return travel costs
Post-travel costs in case of interruption of travel, accommodation and return travel costs
Additional outward travel costs, accommodation costs and return travel costs if public transport is delayed by more than 2 hours
Additional outward travel costs, accommodation costs and return travel costs if public transport is delayed by more than 2 hours
Additional return travel costs in case of delay of the feeder flight
Additional return travel costs in case of delay of the feeder flight	-
Costs of rebooking in case of delay of the feeder flight
Costs of rebooking in case of delay of the feeder flight	up to € 250	up to € 500
Accommodation costs in case of delay of the feeder flight
Accommodation costs in case of delay of the feeder flight	up to € 50	up to € 75

Reimbursement of deductible

What´s covered	Carefree	Premium
Exclusion of deductible from existing cancellation insurance (e. g. credit card, tour operator, etc. ) up to 20% of the travel price
Exclusion of deductible from existing cancellation insurance (e. g. credit card, tour operator, etc. ) up to 20% of the travel price

Luggage insurance

What´s covered	Carefree	Premium
Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events
Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events	up to € 2.000 (Single) up to € 4.000 (Family)	up to € 3.500 € (Single) up to € 7.000 (Family)
Replacement purchases in case of luggage delay at destination
Replacement purchases in case of luggage delay at destination	up to € 250	up to € 400

Travel accident coverage

What´s covered	Carefree	Premium
Amount insured
Amount insured
Sum insured in the event of death
Sum insured in the event of death	€ 10.000	€ 20.000
In case of invalidity
In case of invalidity	€ 20.000	€ 40.000
Rescue costs
Rescue costs	€ 20.000	€ 80.000
Cosmetic surgery costs
Cosmetic surgery costs	-	€ 5.000

Personal assistance insurance

What´s covered	Carefree	Premium
Travel call
Travel call
In criminal proceedings
In criminal proceedings
Assistance in cases of arrest and threat of arrest (loans)
Assistance in cases of arrest and threat of arrest (loans)	up to € 3.000	up to € 3.000
Penalty bond (loans)
Penalty bond (loans)	up to € 13.000	up to € 13.000
In case of loss of means of payment and documents
In case of loss of means of payment and documents
Loss of travel funds (loans)
Loss of travel funds (loans)	up to € 1.500	up to € 1.500
Help in case of loss of credit cards and debit or Maestro cards
Help in case of loss of credit cards and debit or Maestro cards
Loss of travel documents
Loss of travel documents
Help with rebookings/delays
Help with rebookings/delays
Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell)
Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell)	-	€ 500

Travel health insurance

What´s covered	Carefree	Premium
Outpatient treatment
Outpatient treatment
Pain-relieving dental treatment
Pain-relieving dental treatment
Medicines and bandages
Medicines and bandages
Radiation, light and other physical treatments
Radiation, light and other physical treatments
Massages, packs, inhalations and physiotherapy
Massages, packs, inhalations and physiotherapy
Aid prescribed
Aid prescribed
X-ray diagnostics
X-ray diagnostics
Operations
Operations
Inpatient treatment
Inpatient treatment	up to € 300.000	100 %
Medically necessary pregnancy treatments and premature births
Medically necessary pregnancy treatments and premature births
Medical transport for inpatient treatment
Medical transport for inpatient treatment
Medically sensible return transport of patients
Medically sensible return transport of patients
Costs for an accompanying person in case of return transport of sick persons
Costs for an accompanying person in case of return transport of sick persons
Transfer costs
Transfer costs
Funeral costs abroad
Funeral costs abroad
Subsequent payments abroad
Subsequent payments abroad
Dispatch of medicines
Dispatch of medicines
Visit to the hospital – in case of hospital stay longer than 5 days
Visit to the hospital – in case of hospital stay longer than 5 days	-
Information about local doctors
Information about local doctors
Communication of information between doctors
Communication of information between doctors

Travel liability insurance

What´s covered	Carefree	Premium
Liability risks of everyday life
Liability risks of everyday life	€ 750.000	€ 1 Mio.
Rental damage per insured event
Rental damage per insured event	€ 25.000	€ 25.000

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Our tip: all the important answers about your travel insurance and Covid-19 can be found in our frequently asked questions about Covid-19.

Coronavirus-FAQ Travel insurance

Questions and Answers

Is there a deadline for taking out cancellation insurance?

Within 3 working days after booking the trip

Each insurance contract that includes cancellation protection insurance or excess insurance must be taken out no later than the 3rd working day (Monday - Saturday) after booking the trip (booking date + 3 working days). If the insurance is taken out later, insurance cover is only available for events that occur from the 10th day after taking out the insurance ("waiting period").

For whom is this insurance particularly suitable?

Frequent travellers, business travellers

We recommend our annual cancellation insurance with travel protection to all people who travel several times a year or travel a lot on business.

Can I also conclude the contract after the start of the trip?

Yes, only without insurance cover for the current trip

If you only take out our annual cancellation insurance with travel protection after the start of your trip, the insurance cover will only apply to subsequent trips.

How many people are included in the family plan?

Maximum 7 persons

In the family plan, you can insure up to 7 persons in total. A maximum of 2 adults and children up to the age of 25 count as a family, regardless of their relationship.

How many days am I allowed to be on the road per trip?

A maximum of 62 days

With our annual cancellation insurance with travel protection, you are insured for as many trips as you like within 365 days. The maximum travel duration per trip is 62 days.

Coronavirus: When does the cancellation/travel curtailment insurance pay out?

COVID-19 disease is considered an insured event

If an insured person or a close relative falls ill with COVID-19, we will provide cover for this reason for cancellation (in deviation from our insurance terms and conditions). Otherwise, we do not pay for events related to pandemics unless specifically stated, as in this case. Please note: Fear of falling ill, a high risk of infection, a travel warning from the Ministry of Foreign Affairs or a state-mandated quarantine due to a suspected COVID-19 do not constitute insured events – for this, we additionally offer you our Coronavirus travel protection.

If the insured person or a close relative falls ill with COVID-19 and the trip has to be interrupted as a result, HanseMerkur will reimburse the unused travel services and – depending on the plan selected – also the costs of an early return trip.

Tip: If an insured person's temperature is elevated at the airport of departure or destination, a doctor must be consulted immediately at the airport to discuss the matter and obtain a medical certificate. This is the only way we can check whether an insured event has occurred.

Further information on the Coronavirus

What does international health insurance cover ensure in the event of COVID-19?

Payment of medical treatment costs

If the insured person falls ill with COVID-19 during the trip, HanseMerkur will cover all medical treatment costs including a COVID test carried out on the basis of clear symptoms.

Items not insured include:

the costs of a quarantine (to insure this event, take out our Corona travel protection insurance policy in addition).
Costs incurred on the basis of the mere presumption of COVID disease (test negative)
Cost of a COVID test to meet entry requirements
Costs if there was already a travel warning level 5 or 6 in place before departure (for this, we also offer you our Corona travel protection )

From
1 €
per trip*

Corona Travel Protection

Additional cover in the event of quarantine, denied boarding or if you are not allowed to enter your holiday home.

Find insurance

Did you know? Facts about annual cancellation insurance with travel protection

Benefits

Travel as often as you like! Thanks to the annual cancellation insurance with travel protection, you and your loved ones are covered for 1 year. Things always seem to happen when you least expect them: If you do not start a planned trip due to illness or damage to property, you will be reimbursed the cancellation costs. If you are already on the road, our travel assistance offers help in all emergency situations – worldwide and around the clock. Our hotline experts provide support, for example, in the event that you lose your means of payment while travelling and documents, or establish contact with German-speaking doctors.

For holiday and business

Do you travel a lot for business and pleasure? With our annual cancellation insurance including travel protection, you are insured worldwide against many events. In addition to travel cancellation insurance, the package protection includes health and accident insurance abroad, delay protection and compensates for the loss of valuables. Annual cancellation insurance with travel protection is often worthwhile for as few as 2 trips a year and offers favourable conditions for families.

Premium benefits

We offer the "Annual cancellation insurance with travel protection" in 2 variants: Carefree and Premium. The Premium package secures you lots of additional benefits, such as the Best Price Guarantee or higher compensation payments in the event of lost baggage. Furthermore, additional cancellation reasons are included in the Premium version.