Discover the world with the best possible protection: We have put together an optimal insurance package for young people under 30. The Club & Class trip insurance with cancellation insurance and travel protection for all club trips and class trips with 10 or more people. Accompanying persons such as teachers or trainers are, of course, also covered.
Cancellation insurance before the trip
Sickness and accident cover during the trip
Delay and transfer protection
| Carefree | Premium | |
|---|---|---|
Travel cancellation insurance
Travel cancellation insurance highlights:
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Travel interruption insurance
Travel interruption insurance highlights
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Return travel protection
Subsequent travel costs in the event of a trip interruption, accommodation and return travel costs | ||
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 coverage
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 | 31 days | 31 days |
Scope of cover | Europe/Globally | Europe/Globally |
Additionally insured items
Extra-Benefits:
| – | |
Best price guarantee
Best price guarantee
| – | |
Deductible | –* | – |
Age limit | Up to 30 years of age | Up to 30 years of age |
Price overview | Download PDF | Download PDF |
Max. insurable travel price | € 5.000 per person | € 5.000 per person |
Sample price Minimum premium per person – travel time up to 5 days) | from € 10 | from € 14 |
| Calculate & book | Calculate & book | |
| 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 | ||
| 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 | - |
| 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 |
| 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 |
| 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 | up to € 3.500 |
| Replacement purchases in case of luggage delay at destination | ||
| Replacement purchases in case of luggage delay at destination | up to € 250 | up tp € 400 |
| 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 | € 5.000 | € 15.000 |
| Cosmetic surgery costs | ||
| Cosmetic surgery costs | - | € 5.000 |
| 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 |
| What´s covered | Carefree | Premium |
|---|---|---|
| Outpatient treatment | ||
| Outpatient treatment | ||
| Pain-relieving dental treatment | ||
| Pain-relieving dental treatment | ||
| Medicines and bandages | ||
| Medicines and bandages | ||
| Private doctor/hotel doctor | ||
| Private doctor/hotel doctor | ||
| Child pick-up by caregiver | ||
| Child pick-up by caregiver | ||
| Subsequent payments abroad | ||
| Subsequent payments abroad | ||
| Declaration of reimbursement of costs to hospitals | ||
| Declaration of reimbursement of costs to hospitals | ||
| Substitute hospital daily allowance | ||
| Substitute hospital daily allowance | € 50/ day | € 50/ day |
| Inpatient medical treatment | ||
| Inpatient medical treatment | up to € 300.000 | up to € 300.000 |
| Medical transport for inpatient treatment | ||
| Medical transport for inpatient treatment | ||
| Home transport incl. Ambulance jet | ||
| Home transport incl. Ambulance jet | ||
| Hotel costs in case of illness of fellow travellers | ||
| Hotel costs in case of illness of fellow travellers | up to € 2.500 | up to € 2.500 |
| Transfer/Funeral costs | ||
| Transfer/Funeral costs |
| 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 |
Transparency is important to us: Find out more about our client's experiences
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 insuranceWithin 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").
31 days
The maximum duration of the Club & Class trip insurance is 31 days.
Until your 30th birthday
The Club & Class trip insurance applies to all persons under 30 years of age and accompanying supervisors.
Depending on the plan you choose
With the Premium plan, you can expect no deductible costs. In our Carefree plan, a deductible of 20% applies to medical expenses abroad without submission to the private/social insurance.
At least 10 persons, for rail travel at least 6 persons
At least 10 persons are insured with each other. We will pay the cancellation costs or the additional costs if the trip is not completed as planned for all persons, provided that one person has an insured event and all persons have booked their trip together. In the case of rail travel, at least 6 persons are insured with each other, with the same destination and travel date.
Yes, accompanying persons are included
Yes, the group rate covers at least ten pupils/young people up to the age of 30, plus accompanying supervisors among themselves. The age limit does not apply to accompanying persons.
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.
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:
Your trip is set to last longer than 45 days or you have exceeded the closing date for cancellation protection? In this case, please contact our Service Centre by email at: service@hansemerkur.at
We recommend class trip insurance for young people to anyone organising a school, club or association trip with a group of people under 30. Especially at a young age, life circumstances change quickly and a longer planned trip may not be able to be taken. That is why we offer a travel cancellation insurance for school trips specially tailored for young people. This cancellation protection for class trips covers all contractual cancellation costs – because it would be a shame if the group budget were to be financially burdened by the loss of participants.
For example, 22 additional reasons for cancellation are included in the travel cancellation insurance for school trips.
The Premium club & class travel protection is also more comprehensive during the trip. For example, there is no reimbursement limit in the case of inpatient stays.
Things can sometimes get a little wild on a group tour. With our class trip insurance including cancellation & travel protection, pupils and students are also protected in the best possible way during the trip. In addition to travel health insurance and travel accident insurance, numerous other benefits are included. For example, have you ever heard of delay protection? In such an instance, in the event of a delay affecting public transport by more than two hours, the travel costs as well as the additional accommodation and home travel costs will be reimbursed. Of course, all insurance benefits also apply to accompanying teachers.
The class trip insurance is available in two variants: Carefree or Premium. The Premium variant offers travellers a wealth of benefits: For example, the travel cancellation insurance for school trips includes additional reasons for cancellation such as the inpatient treatment of a close relative. The Premium tariff also offers even more comprehensive protection during the trip. For example, there is no reimbursement limit in the case of inpatient stays.
