Annual insurances
| What´s covered | Carefree | Premium |
|---|---|---|
Trip interruption insurance | ||
Unused travel service; reimbursement of the entire travel price; e. g. due to unexpected and serious illness, death, serious accident injury, pregnancy, etc. | Applicable | Applicable |
Acuteness of chronic or existing ailments, etc. | Not applicable | Applicable |
Extra return travel insurance | ||
Additional travel costs in case of interruption of travel, additional accommodation and return travel costs; e. g. due to unexpected and serious illness, death, serious accident injury, pregnancy, etc. | Applicable | Applicable |
Acute chronic or existing ailments, etc. | Not applicable | Applicable |
Delay protection | ||
Public transport delays of more than 2 hours: extra outward travel costs, additional accommodation costs and additional return travel costs | Applicable | Applicable |
Transfer protection | ||
Additional return travel costs | Applicable | Applicable |
Costs of rebooking | up to € 250 | up to € 500 |
Accommodation costs | up to € 50 | up to € 75 |
| Deductible up to 20% of travel cancellation costs | Applicable | Applicable |
Luggage insurance | ||
Damage and loss of luggage in custody, criminal acts of third parties, damage caused by traffic accidents and damage caused by fire, explosion or natural events | Single € 2.000 / Family € 4.000 | Single € 3.500 / Family € 7.000 |
Deliveries overdue | up to € 250 | up to € 400 |
Travel accident insurance | ||
For salvage costs | up to € 20.000 | up to € 80.000 |
Personal assistance | ||
Worldwide 24h emergency call service: assistance with law enforcement, loss of travel documents and means of payment, interpretation costs up to € 3.000, penalty deposit up to € 13.000 | Applicable | Applicable |
Guardian angel: Damage to the house (property): assumption of costs for necessary emergency repairs; shell damage to your vehicle: deductible | Not applicable | up to € 500 |
Travel health insurance | ||
100% reimbursement for: outpatient medical treatment, dental treatment, medication and bandages, and much more. | Applicable | Applicable |
Inpatient medical treatment | € 300.000 | 100 % |
Costs for an accompanying person | € 2.500 | 100 % |
Telephone costs of contacting the emergency call centre | Not applicable | € 25 |
Deductible | 20 % (unless not claimed via statutory/private health insuranc) | Not applicable |
Travel liability insurance | € 750.000 | € 1 Million |
Benefits for co-insured persons | ||
Return travel costs of insured persons | Not applicable | 100 % |
Hotel costs for a maximum of 10 days | Not applicable | € 2.500 |
Benefits for uninsured relatives | ||
Visit to the sick | Not applicable | 100 % |