In the event of illness, theft, delayed luggage delivery, trip interruption or trip cancellation, travel insurance offers uncomplicated and fast assistance and protects you from financial losses. You don't have to take care of the necessary steps yourself, because a single call to your insurance company is enough and everything else is taken care of, no matter where you are in the world.
Travel cancellation insurance protects you against the financial consequences that can arise if you are unable to go on your long-planned vacation or have to leave early due to unforeseen events such as a serious traffic accident, a fire in your home or your child's appendicitis. It reimburses the cancellation fees charged by your tour operator. In addition, you can also insure yourself in the event that you have to leave your vacation early due to a serious illness of a close relative, complications during pregnancy, intolerance following a vaccination or burglary, fire, severe weather damage or other natural disasters and are unable to take advantage of benefits you have already paid for.
It can happen that your suitcase is stolen on the day of arrival. In such a case, luggage insurance can provide financial protection, as the tour operator is only liable up to a limited amount. It can be taken out as a weekly, monthly or annual policy and provides worldwide protection against financial losses caused by loss, destruction or damage to property. It covers personal travel necessities, checked or hand luggage, souvenirs and gifts, as well as sports equipment including accessories and protective clothing. The insurance covers the current value of the items carried or the repair costs up to the current value.
When traveling outside Germany, private international travel health insurance offers you good protection. Statutory health insurance companies only reimburse treatment costs incurred in countries that belong to the EU or have concluded a social security agreement with Germany - and only up to the usual amount in Germany. Outside Europe, you are usually a private patient and have to bear very high costs yourself, which can easily exceed an annual income. With international travel health insurance, you are not only covered for treatment costs, but also for medically necessary repatriation to Germany and, in the event of death, repatriation costs or funeral costs abroad. You can take out international travel health insurance as a temporary policy for a certain number of days of travel or as an annual policy for any number of trips within a year.