What isn’t covered? The most important exceptions:
All or some of them can be combined in one contract. They are available either as a one-time policy for a specific trip or as an annual policy for an unlimited number of trips max. 56 days per trip.
Travel health insurance:
A travel health insurance covers you worldwide and entirely covers the costs for medical treatments. This insurance is especially relevant when travelling outside of Germany as your German health insurance might cover your treatments abroad only partially, if at all.
What is covered?
What isn’t covered?
Cancellation insurance
A cancellation insurance covers you if you have to cancel your trip or interrupt it due to insured risks.
What are the insured risks?
Unexpected severe illness, death, severe accident, transport delay (only if travel hasn't started yet), pregnancy & pregnancy complications, illness & death of a pet or family member.
What is not covered?
What is the coverage sum and how to calculate it?
The coverage sum is the maximum amount that would be reimbursed from the insurance company in case of a claim and is viable for every single trip during the calendar year.
In order to select a coverage sum for annual insurance, one should estimate the costs of the most expensive trip in a calendar year, to make sure that all trips are fully covered.
Luggage insurance
A luggage insurance covers your baggage and belongings while traveling.
Travel health insurance:
Luggage insurance serves to cover costs incurred due to loss, theft of luggage or damage done to luggage that you leave in the hands of others for safekeeping, luggage that is damaged in accidents, damages caused by fire, explosion or natural hazards. It also covers delay in delivery of luggage on arrival and departure and during the rest of the trip.
What isn’t covered?
What is the coverage sum?
Depending on the type of the plan and insurance provider, the coverage sum can start with 2.000 EUR and can be increased up to 6.000 EUR.
Important information for those who already have or are interested in household insurance:
Bear in mind that theft from locked rooms is already covered by your household insurance. However, if you are a frequent traveler, additional benefits of the luggage insurance, which are not covered by household insurance, may interest you, such as necessary replacement purchases in case your luggage does not arrive on time at its destination.
Danielle Lahav
Email: danielle.lahav@versicherungsbuero-weiss.com
Telefon: +49 30-40 36 31 95 6
