Travel protection insurance – well secured on the go

Travel protection insurance

For short or longer trips
Valid in Europe or worldwide
Favourable family rates

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Tariff overview
Benefits
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Your benefits

Sporting activities, rental car excursions or unfamiliar cuisine – there are many situations that harbour potential danger on holiday. HanseMerkur travel protection insurance offers you extensive benefits and support in the event of an emergency. Whether in the event of illness, accident, liability and luggage damage or transport delays – with our travel protection insurance, you are optimally covered worldwide. Book your holiday cover now and head off relaxed into "the most beautiful time of the year".

Insurance in the event of travel irregularities

Sickness and accident cover during the trip

Travel curtailment insurance & travel assistance in emergencies

Tariff overview

	Carefree	Premium
Trip 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.	until € 750.000	until € 1 Mio.

Maximum trip duration	364 days	364 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	–
Deductible	–*	–
Affordable family tariff

Price overview	Download PDF	Download PDF
Sample price (per person -until 5 days - in Europe)	from € 25	from € 29
	Calculate & book	Calculate & book

* 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

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

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

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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

By when can I take out the travel protection insurance?

By 1 day before departure

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

How long is the travel cover valid?

Maximum 364 days

You adjust the term of the travel protection insurance according to the duration of your chosen trip. The maximum term is 364 days.

For whom is the Carefree or Premium travel protection particularly suitable?

Long-term travellers, active holidaymakers, travellers with children

We particularly recommend the Carefree or Premium travel protection if you are planning a long-term stay, especially in non-EU countries. In addition, travel protection is suitable if you are travelling with children or for active holidays, where there is usually a higher risk of accidents.

Is there a family plan?

Yes, for up to 7 people in total

Yes. A maximum of 2 adults and accompanying children up to the age of 21 are considered as a family – regardless of the relationship. In total, you can insure up to 7 people in the family plan.

Can deductible costs arise?

Depending on the plan you choose

With the Premium plan, you can expect no deductible costs. In the Carefree plan, a deductible of 20% applies to medical expenses abroad without submission to the private/social insurance.

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 protection insurance

Benefits

Suitable for whom?

Are you planning a holiday and don't want to worry about unpleasant incidents during the trip? With HanseMerkur travel protection insurance, you and your family are well covered anywhere in the world. Travel insurance is particularly recommended if you are travelling for a long time in a non-EU country: This is because our offer is valid for a travel duration of up to 364 days at a stretch.

In addition to long-term travellers, active holidaymakers also benefit from travel protection insurance from HanseMerkur. Even a little carelessness on a hiking, cycling or diving trip is enough to cause an accident. Thanks to travel accident, international health and travel curtailment insurance with 24-hour travel emergency call service that come included, you receive immediate help on the spot and protect yourself against high treatment costs at the doctor's or hospital.

Premium benefits

HanseMerkur travel protection insurance is available in the Carefree and Premium variants. The Premium variant includes a number of additional benefits for you and your dependants:

- Additional loss events insured
- Higher reimbursements
- Extra benefits, e.g. guardian angels for damage to the house or car
- Unlimited treatment costs for inpatient stays abroad
- Hotel costs covered for co-insured persons

We particularly recommend the Premium variant if you suffer from chronic illnesses. Should your condition become acute, the travel insurance covers this.

In the event of cancellation

Between the planning and the start of a trip, there is usually a long period of time during which a lot can happen. If you are unable to take a trip due to an unexpected event, you may incur considerable financial loss. With individually bookable travel cancellation insurance, you are optimally covered, as we assume your costs in the event of travel cancellation. If you would like to combine both travel insurance policies, we recommend our travel insurance "Cancellation & Travel Protection".