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  • Cancellation & travel protection (Club & Class)

Cancellation and travel protection – Club & Class Trips

Class trip Insurance
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Travel protection for school trips and club trips

  • Valid worldwide
  • Group leader included
  • No deductible
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Your benefits

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

Tariff overview

CarefreePremium
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 

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 days31 days
Scope of cover
Europe/GloballyEurope/Globally
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
–*–
Age limit
Up to 30 years of ageUp to 30 years of age
Price overview
Download PDFDownload 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
(✓)  individually combinable* 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 coveredCarefreePremium
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 coveredCarefreePremium
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 coveredCarefreePremium
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 flightup to € 250up to € 500
Accommodation costs in case of delay of the feeder flight
Accommodation costs in case of delay of the feeder flightup to € 50up to € 75
Reimbursement of deductible
What´s coveredCarefreePremium
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 coveredCarefreePremium
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 eventsup to € 2.000up to € 3.500
Replacement purchases in case of luggage delay at destination
Replacement purchases in case of luggage delay at destinationup to € 250up tp € 400
Travel accident coverage
What´s coveredCarefreePremium
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
Personal assistance insurance
What´s coveredCarefreePremium
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 € 3.000up 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 coveredCarefreePremium
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 treatmentup to € 300.000up 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 travellersup to € 2.500up to € 2.500
Transfer/Funeral costs
Transfer/Funeral costs
Travel liability insurance
What´s coveredCarefreePremium
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").

How long is the term of the insurance?

31 days

The maximum duration of the Club & Class trip insurance is 31 days.

Up to what age can I claim insurance cover?

Until your 30th birthday

The Club & Class trip insurance applies to all persons under 30 years of age and accompanying supervisors.

Can deductible costs arise?

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.

Who is jointly insured?

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.

Does the group rate also include accompanying persons?

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.

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 Coronavirus travel protection )

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

Did you know? Facts about cancellation & travel protection for club & class trips

Benefits

Suitable for whom?

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.

All-round cover

All-round cover

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.

Premium benefits

Premium benefits

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.

Important documents for download

All important documents at a glance for printing or saving:

  • Insurance terms and conditions
  • Insurance product information document (IPID)

Book Club & Class trip insurance directly

Conveniently choose from the following payment methods when booking: 

payment-methoden-data
  • CAREFREE
  • PREMIUM

CAREFREE

10 €

(Minimum premium p. p. – travel time up to 5 days)

Calculate & book

PREMIUM

14 €

(Minimum premium p. p. – travel time up to 5 days)

Calculate & book
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