Cancellation protection – Club & Class Trips

Travel cancellation insurance club & class

Travel cancellation insurance – Class & Club Trips

Valid worldwide
Group leader included
No deductible

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Questions & Answers
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Your benefits

Student exchange, study trip or sports competition – travelling with the club or a class means an enormous amount of organisation. If something happens and the trip has to be rebooked or cancelled at short notice, all members should be covered. With our travel cancellation insurance for school trips and clubs, travel groups of 10 or more people are protected against cancellation costs. In addition, we will reimburse unused travel services or additional costs on the outward journey.

Cancellation insurance before the trip

Compensation for unclaimed travel services

Payment of additional costs for the outward journey

Tariff overview

	Carefree	Recommendation Premium
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

Maximum trip duration	31 days	31 days
Scope of cover	Globally	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 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 (per person)	from € 7	from € 10
	Calculate & book	Calculate & book

The most important benefits – at a glance

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	-

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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 cancellation insurance is 31 days.

Is there an age limit for the cancellation insurance?

Yes, for people under 30

The cancellation insurance for Class & Club trips applies to young people under 30 years of age and accompanying supervisors.

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.

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

Did you know? Facts about the travel cancellation insurance "Class & Club Trips"

Suitable for whom?

Especially when young people travel, it is not uncommon for trips to be cancelled at short notice. Many things change quickly in young people's lives and sometimes travel plans are affected. With travel cancellation insurance for school trips, groups of 10 or more people and their supervisors are covered. If someone falls ill or has an accident before the trip, we will reimburse the cancellation fees of the tour operator or transport company. Cancellation protection applies not only to school classes, but to any group trip for young people up to 30 years of age – regardless of whether it is a club trip, a school trip or a study trip.

Premium benefits

The reasons that can lead to the cancellation of a class trip are manifold: an injury, pregnancy of an accompanying person or serious illness of a relative. Our special travel cancellation insurance for school trips also kicks in if pupils need to repeat a class or have to re-sit important school exams. In the optionally bookable Premium plan, group members benefit from additional cancellation reasons in which the "Club & Class" travel cancellation insurance kicks in.

Our tip: If you are travelling with a group of young people, you should also be well looked after for the time during the trip. With our Cancellation & Travel Protection for Club & Class Trips, all travel participants are also covered on the road in the event of illness, delays, liability or luggage damage.

Protection for adults

Cancellation protection for adults

In addition to the travel cancellation insurance, we offer cancellation cover for adults aged 30 and over. The group rate provides optimum cover for travel groups of more than 10 people in the event of trip cancellation at short notice. The premiums are cheaper than if each individual participant would take out travel cancellation insurance. Of course, cancellation protection for groups is also available in combination with a travel protection package for on the road.