Cancellation and travel protection – All-round cover for your holiday trip

Cancellation and travel cover

All-round carefree package
Valid worldwide
24-hour travel assistance

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Benefits
Corona
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Your benefits

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.

* Protection in case of quarantine and being denied boarding. Also applies in the event of a travel warning of security level 5 to 6. In addition, cover in all lines of the underlying main product, e.g. health insurance.

Cancellation insurance before the trip

Sickness and accident cover during the trip

Can be combined with Coronavirus supplementary protection*

Tariff overview

	Carefree	Premium
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.
Corona travel insurance (cancellation & interruption insurance) Corona travel protection Corona travel protection supplements your travel cancellation insurance with additional cover in the event of domestic isolation (quarantine) or if you are refused carriage on the day of departure (refusal of carriage) or are not allowed to enter your apartment on the day of arrival.

Maximum trip duration	31 days	31 days
Scope of cover	Europe/Globally	Europe/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	- *	-
Affordable family tariff
Group tariff (from 10 person)

Price overview	Travel health insurance Corona protection	Travel health insurance Corona protection
Max. insurable travel price	€ 10.000 per person/family	€ 10.000 per person/family
Sample price (per person, up to 5 days, within Europe)	from € 18	from € 25
	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 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

Corona-Additional protection trip interruption insurance

What´s covered	Corona-Additional protection Travel interruption insurance
In case of travel interruption
In case of travel interruption
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.
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 within the second half of the trip (no later than the 9th day).
Reimbursement of unused travel services if the trip is interrupted within the second half of the trip (no later than the 9th day).
In case of late return
In case of late return
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.
Reimbursement of the additional cost of accommodation up to the amount of the insured sum.
Reimbursement of the additional cost of accommodation up to the amount of the insured sum.
Insured reasons
Insured reasons
An insured event exists if you or a person at risk are suspected of being infected or infected with coronavirus (COVID-19) and for that reason
An insured event exists if you or a person at risk are suspected of being infected or infected with coronavirus (COVID-19) and for that reason
Isolation (quarantine) as a result of an administrative measure (e. g. order) or an order by an authorised third party (e. g. doctor) on the basis of a legal basis (e. g. prescription) is required; or
Isolation (quarantine) as a result of an administrative measure (e. g. order) or an order by an authorised third party (e. g. doctor) on the basis of a legal basis (e. g. prescription) is required; or
on the day of the return journey (end of the journey) carriage is refused by an authorized third party (e. g. airport staff).
on the day of the return journey (end of the journey) carriage is refused by an authorized third party (e. g. airport staff).
Deductible
Deductible	None
Uninsured type of travel
Uninsured type of travel	cruise

Corona-Additional protection cancellation insurance

What´s covered	Corona-Additional protection cancellation insurance
In case of non-arrival of the trip/non-use of the rental property
In case of non-arrival of the trip/non-use of the rental property
Replacement of contractually owed cancellation costs for insured reasons
Replacement of contractually owed cancellation costs for insured reasons
Reimbursement of the single room surcharge or reimbursement of the proportional costs of the double room in the event of partial cancellation
Reimbursement of the single room surcharge or reimbursement of the proportional costs of the double room in the event of partial cancellation
In case of late arrival
In case of late arrival
Reimbursement of additional outward travel costs
Reimbursement of additional outward travel costs
Reimbursement of unused travel services
Reimbursement of unused travel services
When rebooking the trip
When rebooking the trip
Replacement of rebooking costs in case of rebooking for an insured reason
Replacement of rebooking costs in case of rebooking for an insured reason
Insured reasons
Insured reasons
An insured event exists if you or a person at risk are suspected of being infected or infected with coronavirus (COVID-19) and for that reason
An insured event exists if you or a person at risk are suspected of being infected or infected with coronavirus (COVID-19) and for that reason
Isolation at home (quarantine) is required as a result of an administrative measure (e. g. order) or an order by an authorised third party (e. g. doctor) on the basis of a legal basis (e. g. prescription); or
Isolation at home (quarantine) is required as a result of an administrative measure (e. g. order) or an order by an authorised third party (e. g. doctor) on the basis of a legal basis (e. g. prescription); or
on the day of the outward journey (start of the journey) the transport or entry of the insured rental object is refused by authorised third parties (e. g. airport staff, landlords).
on the day of the outward journey (start of the journey) the transport or entry of the insured rental object is refused by authorised third parties (e. g. airport staff, landlords).
Deductible
Deductible	None

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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").

When do I need to take out Coronavirus travel protection?

If possible, together with cancellation insurance when booking a trip

Any insurance contract that includes travel cancellation insurance must be concluded within 3 working days (Monday - Saturday) of booking the trip (booking date + 3 working days) at the latest. If the insurance is concluded later, the insurance cover shall only extend to events that occur from the 10th day after conclusion of the insurance (“qualifying period”).

Please note that you can only take out Coronavirus travel protection in addition to cancellation insurance (one-off or annual insurance) from HanseMerkur for the same trip.

Do I have to expect deductible costs?

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.

Are there special rates for families?

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.

When does the cancellation and travel protection expire?

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.

What is the maximum insurable travel price?

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.

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 travel & cancellation protection

Benefits

What benefits does the Cancellation & Travel Protection include?

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.

Suitable for whom?

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.

Additional packages

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.