The well-deserved holiday is approaching and then this: You suddenly fall ill and have to cancel your trip. Or your flight is delayed en route, luggage is lost or an accident occurs. For carefree holidays abroad, we recommend our travel insurance: All-round protection for you and your family with all important travel insurance in one package. This way, you are optimally covered before and during your trip.
Cancellation insurance before the trip
24-hour emergency call service
Sickness and accident cover during the trip
Travel curtailment insurance & travel assistance in emergencies
| Carefree | Premium | |
|---|---|---|
| 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. |
Scope of cover | ||
| Maximum trip duration | 31 days | 31 days |
| Scope | Europe/Globally | Europe/Globally |
| Additionally insured items
Extra-Benefits:
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| Best price guarantee
Best price guarantee
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| Deductible | 20 % (for medical expenses abroad if claims are not made to social/private insurance) | |
| Affordable family tariff | ||
| Group tariff (from 10 person) | ||
| Max. insurable travel price | € 15.000 per person/family | € 15.000 per person/family |
Sample price | from € 35 (Travel price of 400 €, duration of 31 days, within Europe)Calculate & book | from € 49 (Travel price of 400 €, duration of 31 days, within Europe)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 (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 € 500 per person or € 1.000 per family | up to € 750 per person or € 1.500 per family |
| 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 |
| 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 | ||
| 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 | ||
| 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 |
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").
Depending on the plan you choose
With the Premium plan for your cancellation and travel protection insurance, you do not have to expect any deductible costs. In the Carefree plan, a deductible of 20% applies to medical expenses abroad without submission to the private/social insurance.
Conditions for families
Insure yourself as a family and benefit from particularly favourable conditions. A family is defined as a maximum of 2 adults and accompanying children up to the age of 21, irrespective of their relationship. In this family plan, you can insure up to 7 persons in total.
After a maximum of 31 days
You can take out cancellation and travel protection for up to 31 days. An extension of your travel protection is possible up to a maximum of 366 days. To do this, you can take out Carefree or Premium travel protection separately for the remaining duration of your trip.
A maximum of € 10,000 per person/family
With the Cancellation & Travel Protection Insurance, you can insure your trip up to € 10,000 per person/family. To insure travel prices over € 10,000 for individuals and families, please contact our Service Centre at service@hansemerkur.at or +43 1 317-7859.
A holiday must be planned early enough. But especially if you book your trip some time in advance, things can still come up between now and the start of the trip and you may have to stay at home. With our Carefree Cancellation & Travel Protection package, you can relax even before you travel. This is because, if you have to cancel your trip due to unexpected events, with travel cancellation insurance, you will be reimbursed for all contractual cancellation costs.
But a lot can also go wrong during the trip. With the Carefree Cancellation & Travel Protection insurance, you are not only fully covered before, but also during your trip. The included benefits range from travel health insurance and luggage insurance to travel accident insurance. So with our Carefree Cancellation & Travel Protection package, you leave nothing to chance and nothing stands in the way of a carefree trip. With the Premium variant, you can even book additional services that bring you and also your fellow travellers numerous benefits.
We recommend our Cancellation and Travel Protection Carefree Package especially if you want to be comprehensively protected before and during your travels with just one insurance package.
If you are one of those travellers who like to take advantage of early booking benefits, cover that also includes cancellation protection is ideal, as unforeseen events can occur in the longer period between booking and departure.
If you and your family travel several times a year, we recommend annual cancellation insurance including travel protection. With our annual cancellation insurance including travel protection, you and your family are fully protected for 1 complete year (travel duration maximum 62 days / trip) before and during your holidays. Cancellations, re-bookings as well as loss of luggage or accidents are covered. With our annual cancellation insurance, you and your fellow travellers also have the opportunity to enjoy additional benefits with the Premium variant.
Travel insurance provides quick assistance in case of need and grants financial protection in various situations.
If you are travelling with a rental car on holiday, we also recommend our rental car cover. If you cause damage, we will reimburse you for the car rental company's contractually agreed deductible.
You can submit a claim to your insurance company at any time via our worldwide emergency number and receive immediate assistance from us.
