Holiday insurance in comparison

You want to be prepared for all eventualities during your holiday and are looking for suitable insurance cover? With a multitude of insurance offers, it is not so easy to keep track and find the right travel insurance policy. In our Holiday Insurance Comparison Service, you can see what our insurance policies are made up of and how they differ. You will find all price information under "Details" on our product detail pages.

Holiday insurance in comparison

	Cancellation protection for holidays	Cancellation and travel protection (worldwide)	International health insurance	Travel protection insurance	Rental car insurance
Maximum travel duration	unlimited	up to 31 days	up to 364 days	up to 364 days	up to 93 days
Scope of cover	Worldwide	Europe/Worldwide	Worldwide	Worldwide (transfer protection – Europe only)	Worldwide

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 curtailment insurance Refund of the travel price (up to 5.000€) if the trip is cancelled within the first half of the trip (max. within the first 8 days) Reimbursement of unused travel services (up to 5.000€) if the trip is interrupted during the second half of the trip (from the 9th day at the latest) Insured events include unexpected, serious illnesses, pregnancy, damage to property
Return journey, delay and transfer protection Highlights: Post-travel costs in case of interruption of travel, accommodation and return travel costs Additional outward travel costs, additional accommodation or return travel costs if public transport is delayed by more than 2 hours Transfer, rebooking or accommodation costs if the connecting flight is delayed by more than 2 hours at the connecting airport in Europe
Deductible assumption 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.
Travel luggage insurance Replacement for damaged, lost or late baggage.
Travel accident insurance Reimbursement of expenses in the event of death or disability
Travel assistance insurance Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment.
International health insurance Travel health insurance highlights: out-patient & in-patient treatment Home transport including ambulance jet Surgery, medicine and bandages
Travel liability insurance
Vehicle Assistance Organization and assumption of costs for breakdown assistance/towing/recovery in the event of a car breakdown or an accident.
Car rental protection Rental car insurance highlights For rental cars, campers & motorcycles Exclusion of deductible in case of theft Assumption of excess in the event of accidents

	Details	Details	Details	Details	Details

(✓) individually combinable

Plans for our holiday insurance policies in comparison

You should always tailor a suitable holiday insurance policy to the following questions: How long will you be travelling for? Are you travelling abroad in the EU or to another continent? Are you travelling alone, with the family, with children, your partner or a travel group? And: Which means of transport will you be using to get to your holiday destination? HanseMerkur offers suitable travel protection for all variants.

If you are looking for travel insurance that protects you from high cancellation costs before your holiday and also provides you with comprehensive protection during your holiday, we recommend our Cancellation and Travel Protection insurance cover. This covers you on holiday trips for up to 31 days and is valid– depending on the plan – in Europe or on worldwide trips. If you are travelling with your family or a travel group of 10 or more people, you will receive a discounted rate. In addition to the integrated travel cancellation insurance, you also benefit from these components:

International health insurance
Travel curtailment insurance
Extra return, delay and transfer protection
Luggage insurance
Travel accident insurance
Travel liability insurance
Emergency travel assistance insurance

When is which holiday insurance policy suitable: Comparison of our products

You are unsure as to which travel insurance is suitable for which project? These are good reasons for a...

Travel Cancellation Insurance policy: Particularly when involving cost-intensive holidays or several travellers, it makes sense to take out cancellation insurance after you have booked your trip. If you have to cancel your holiday for unforeseeable reasons – such as an unexpected serious illness – the cancellation protection from HanseMerkur covers you against the high costs of cancelling your trip. This also applies in the event of travel curtailment: If you break off your holiday within the first half of the journey (max. 8th day), we will reimburse the full price of the holiday. Also, why not visit our Travel Cancellation Insurance Comparison Service.
International health insurance: Travel health insurance is one of the most important companions when travelling in non-EU countries. This is because there are no social security agreements with Austria outside Europe that protect against high treatment costs at the doctor's or hospital. But also within Europe, a HanseMerkur international health insurance policy offers protection: Despite the European Health Insurance Card (EHIC), treatment in many EU countries is covered at a lower percentage than in Austria, so that you have to pay extra in case of emergency. If you are dependent on medical assistance due to illness, for example, we will fully cover the costs of outpatient and inpatient treatment under the international health insurance policy (up to € 300,000 in the Carefree Plan), in addition to many other benefits. We also cover the medically necessary return transport of the patient and medically reasonable repatriation transport to the home country. You can also find more information in our Insurance Comparison Service for travel health insurance.
Travel protection insurance: Travel protection insurance goes even further than the protection of an international health insurance policy by combining other forms of insurance (see table) into one. Comprehensive travel protection package. It covers you on trips of up to 364 days within Europe or worldwide – ideal for long-term travellers in non-EU countries. We also recommend comprehensive travel insurance cover to active holidaymakers who, for example, run a higher risk of accidents on a hiking holiday. With the inclusive travel health and accident insurance, you cover high treatment costs as a result of a leisure accident, among other things. Luggage insurance covers the current value of your luggage in the event of damage, theft or loss by the carrier.
Rental car insurance: Are you exploring your holiday destination by rental car? Many car rental companies require a high excess should you be involved in an accident. With the rental car insurance policy from HanseMerkur you are able to exclude your excess costs thanks to this comprehensive insurance policy.

Review existing insurance policies

Do you already have travel insurance, e.g. through your credit card provider? Before taking out holiday insurance, we always recommend taking a close look at your existing insurance policies. What benefits does your existing cover include? For example, many credit card insurers only provide cancellation protection for the credit card holder in the event of a trip cancellation – but not for your family or your travel partner. Is a medically reasonable return transport covered or only a medically necessary return transport? Find out more on our credit card insurance policies page.