Annual travel protection – secured on any number of trips

Annual travel cover

Valid worldwide
Any number of trips
No deductible

Calculate & Book

Quick access

Tariff overview
Benefits
Questions & Answers
Did you know?
Downloads
Book online

Your benefits

Summer holiday, city break or weekend trip – you love to travel and are often on the road during the year? With annual travel cover, you and your family are fully protected for up to 62 days on all trips. In the event of an emergency, the experts from our travel assistance service will be there to help you in all matters. In addition, you are comprehensively covered in the event of illness, accidents and liability claims. Delay and transfer protection rounds off the annual travel cover.

Cancellation insurance & travel assistance in emergencies

Sickness and accident cover during the trip

Insurance in the event of travel irregularities

Tariff overview

	Annual travel insurance Premium
Travel interruption insurance Reimbursement of costs if you need to cancel, interrupt or extend the trip.
Return travel protection 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 insurance Reimbursement of expenses in the event of death or disability
Personal assistance Worldwide 24h emergency call service at: Loss of travel funds, bank cards, travel documents and delays Guardian angel in case of damage to the house & damage to the car (deductible)
Travel health insurance Out-patient & in-patient treatment Home transport including ambulance jet Surgery, medicine and bandages
Travel liability insurance Liability risks of everyday life and rental damages.	until € 1 Mio.

Number of trips	any number of trips
Maximum trip duration	62 days per trip
Scope of cover	Globally
Deductible	–
Affordable family tariff

Price overview	Download PDF
Mode of payment	annually
Sample price	from € 119 (per year for individuals - travel price up to max. €10,000)
	Calculate & Book

The most important benefits – at a glance

Travel health insurance

What´s covered	Premium
Out-patient medical treatment
Out-patient medical treatment
Pain-relieving, conservative dental treatment
Pain-relieving, conservative dental treatment
Medikamente und Verbandmittel
Medikamente und Verbandmittel
Radiation therapy, light therapy, and other physical treatments
Radiation therapy, light therapy, and other physical treatments
Massages, compresses, inhalations and physiotherapy
Massages, compresses, inhalations and physiotherapy
Aid prescribed
Aid prescribed
X-ray diagnostics
X-ray diagnostics
Surgeries
Surgeries
Inpatient medical treatment
Inpatient medical treatment
Medically necessary pregnancy treatments and premature births
Medically necessary pregnancy treatments and premature births
Transport by ambulance for in-patient treatment
Transport by ambulance for in-patient treatment
Medically required return transport of patients
Medically required 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

Trip interruption protection

What´s covered	Premium
In case of travel interruption
In case of travel interruption
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
Financial damage (more than € 5,000) due to property crime/accident
Financial damage (more than € 5,000) due to property crime/accident
Unexpected worsening of an existing condition
Unexpected worsening of an existing condition
Illness or death of dogs, cats, horses
Illness or death of dogs, cats, horses
Unexpected serious illness
Unexpected serious illness
Death, serious accident injury
Death, serious accident injury
Pregnancy after booking a trip
Pregnancy after booking a trip
Fracture of prostheses, loosening of implanted joints
Fracture of prostheses, loosening of implanted joints
Failure to pass the Matura/apprenticeship examination or “stay down” at school
Failure to pass the Matura/apprenticeship examination or “stay down” at school
Job loss followed by unemployment
Job loss followed by unemployment
Significant damage to property
Significant damage to property
Unexpected court summons
Unexpected court summons
Divorce action, dissolution of registered partnership
Divorce action, dissolution of registered partnership
Change of job, short-time work
Change of job, short-time work
Re-employment after unemployment
Re-employment after unemployment

Return travel protection, delay protection, transfer protection

What´s covered	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 € 500
Accommodation costs in case of delay of the feeder flight
Accommodation costs in case of delay of the feeder flight	up to € 75

Reimbursement of deductible

What´s covered	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	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 € 3.500 (Single) up ro € 7.000 (Family)
Replacement purchases in case of luggage delay at destination
Replacement purchases in case of luggage delay at destination	up to € 400

Travel accident insurance

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

Personal-Assistance insurance

What´s covered	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
Penalty bond (loans)
Penalty bond (loans)	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
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 liability insurance

eKomi – Client reviews

Transparency is important to us: Find out more about our client's experiences

/ 5 stars

reviews

See all reviews
About eKomi

Questions and Answers

By when can I take out annual travel protection?

By 1 day before departure

You can take out travel insurance up to one day before departure.

Can I also take out annual travel cover after the start of my trip?

Yes, but this does not apply to the current trip

If you take out annual travel cover after the start of your trip, the insurance cover only applies to the following trips.

Is there a maximum duration per trip?

Yes, 62 days

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

Do I have to expect deductible costs?

With the annual travel protection, you do not have to expect any deductible costs.

Does the insurance cover also exist within Austria?

Yes, with restrictions

Insurance cover is only provided within Austria for booked trips that include at least one overnight stay. In addition, your destination must be more than 50 km from your home.

What do I do if I fall ill abroad?

Information for emergencies

If you need medical treatment during your stay abroad and have to go to hospital, for example, you are well protected with annual travel protection. You can reach our 24-hour emergency call service around the clock by calling +43-1-3152444. After the underlying event for a claim has occurred, fill out the travel health insurance claim form and return it to us as soon as possible. Alternatively, you can also report your claim online using our online claim form. If we require further documents than those requested in the form, we will contact you.

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 )

Further information on the Coronavirus

Did you know? Facts about annual travel protection

Benefits

Any number of things can go wrong on a trip. The plane is delayed, your luggage gets lost, you fall ill unexpectedly or have an accident. With HanseMerkur annual travel protection, you are optimally protected in the event of incidents and irregularities. The annual protection package includes, among other things, travel curtailment protection, delay protection, travel accident insurance and travel health insurance. With annual travel protection, you are covered for 365 days. The policy is valid for as many trips as you like and often pays for itself from just 2 trips a year.

Suitable for whom?

Our annual travel cover is worthwhile for all those who travel several times a year for business or pleasure. The wide range of benefits is particularly valuable outside Europe or for active holidays. We not only insure your health, but also your luggage and liability claims. Our annual travel protection also covers you if not everything goes smoothly with your journey and transfers. By the way: The annual travel protection is also available as a favourable family tariff for up to 7 persons.

Annual cancellation protection

Protect yourself against incidents not only during the journey, but also beforehand. With our annual cancellation and travel protection, you are protected if you unexpectedly do not take a trip. In the Premium variant, you benefit from additional services: We reimburse higher sums and accept even more insured events. In all tariffs, our worldwide emergency number supports you around the clock, even on Sundays and public holidays.