HanseMerkur Travel Insurance
Get covered before and during your trip
Looking for all-round cover? Go for Comprehensive Insurance, which includes everything. For instance, a premium of €205 covers a tour costing €4000.
Cancellation Insurance protects you from cancellation fees in the event of your tour being canceled or interrupted. An example: a premium of €165 covers a tour costing €4000.
With Travel Companion you're covered on holiday against all events such as illness, theft, loss of luggage or accidents. Regardless of the price of the trip, the premium is € 45.
To make sure you can enjoy your holiday with peace of mind, we're offering you personalized cover with these three custom products, in conjunction with our insurance partner HanseMerkur Travel Insurance.
We've put together three holiday travel insurance policies for comprehensive cover for all travelers worldwide. If you're ready to take out insurance for your current booking with us, just click below. Or if you'd like more information about prices and services, scroll down or download the information as a PDF.
HanseMerkur Service Description
Travel Cancellation Insurance
If your travel booking is canceled or if your arrival for your tour is delayed, we will refund you the contractual cancellation costs and any additional costs incurred for your outward journey. For your convenience, there is no deductible payable (except in the case of illnesses where outpatient treatment incurs a deductible of 20% or at least EUR 25).
Holiday Guarantee (Travel Interruption Insurance)
In the event of your tour being cut short, we will refund either the entire trip price or a percentage of it, depending on when your tour is canceled. We will also bear any additional costs in the event of your return journey being delayed and reimburse any unused travel services in the event of a delayed arrival.
Travel Sickness Insurance
Should medical treatment be required abroad, costs reimbursed by us include outpatient and inpatient treatment as a private patient, any medicines or bandages prescribed by a doctor and we will also assume any costs of any medically prescribed repatriation to your home country. At no additional cost to you.
Our emergency service is available to you during your tour 365 days a year, 24/7 worldwide. This includes among other things transportation by ambulance or assistance in the event of losing your documents or payment means. And in the event of damage to your property or car, our guardian angels are here to help you.
Should your luggage be damaged or lost, we will reimburse you for its current value up to a maximum of €2000. Should your luggage not arrive on time, we will reimburse any necessary replacement purchases up to a maximum of €500. At no additional cost to you.
Third Party Travel Insurance
Enjoy protection from claims for damages in the event of personal injury or damage to property. You will be insured to a maximum of €1.5 million, with a maximum of €25,000 for any damage to rented property (the deductible for damage to rented property is 20% or at least EUR 50).
Travel Accident Insurance
In the event of disability as the result of an accident, you will receive a one-off compensation, depending on the degree of permanent injury. Compensation in the event of accidental death is €20,000 or, for children under 18, €10,000.
All prices and services at a glance
When do I need to purchase my travel insurance?
In general, we encourage travelers to select our insurance packages when they are booking their trip.
If you did not book insurance with your trip and now would like to do so, please contact your Travel Specialist. Generally speaking, keep the following deadlines in mind:
Cancelation and Full Protection can be booked up to 30 days before the start of your reservation. Travel Companion can be booked at any time before the start of your reservation.
What if I want to add additional services (such as an optional day trip) after booking a trip?
Of course, you can also add optional services to your trip after booking. If necessary, the insurance premium will be adjusted to the new travel price and you will be billed for the difference.
I am traveling with friends and/or family. If they get sick and cancel the trip, can I also cancel free of charge?
Yes, because your fellow passengers are among the "risk persons." You can cancel the trip free of charge if one of your fellow passengers falls ill. Separate bookings with individual booking numbers are also possible as long as the travel period is identical. NOTE: This rule is limited to a maximum of 6 people from 2 households!
Are travel cancelations possible in the event of force majeure (e.g., in case of political unrest) covered?
Cancelations due to force majeure (e.g., war) or travel warnings are an insured event. However, this is not a problem for you. We will cancel the trip if we cannot guarantee that we can carry out all services, or if we believe that your safety is at risk.
In the event of a trip cancelation, are my other travel costs (e.g., separately booked flights) also covered?
Only the services booked through us are insured. If you book your flights separately, it is best to take out insurance with the airline at the time of your booking.
If I get sick during the trip and need treatment, do I have to pay for the treatment in advance?
If something happens during the trip, you generally don't have to pay in advance. Hospitals and doctors can issue a declaration of cost coverage. In some cases and destinations, however, you may have to pay out of pocket for certain procedures and medications.
If you paid anything in advance, you can always submit the bill to HanseMerkur after the trip to receive a refund. This applies to all packages containing health insurance (e.g., Full Protection and Travel Companion).
What happens if I cancel my trip - do I get a refund of the insurance price?
If you cancel your trip for an uninsured reason, HanseMerkur will reimburse part of the insurance price depending on how close we are to the departure date.
Does my travel health insurance also cover countries for which a travel warning (due to a pandemic) has been issued?
Yes, our travel health insurance (part of Cancelation and Travel Companion) also covers these countries. Our insurance conditions do not provide for any pandemic-related benefit exclusions.
Is a Covid infection covered?
HanseMerkur recognizes a Covid-19 infection as an unexpected serious illness with proof of a positive test result (PCR test).
Here is how our packages provide coverage in Covid cases:
- Cancelation and Full Protection: Coverage of entire travel price due to unexpectedly serious illness (e.g., Covid-19), vaccination intolerance, and full travel price reimbursement if canceled within the first half of the trip (max. up to 8th day).
- Full Protection and Travel Companion: comprehensive travel health insurance protection abroad at private patient level.
Will the additional costs be covered if I am not ill myself but cannot travel or return due to a quarantine situation?
Costs from personal quarantines are not insured by Cancelation, Travel Protection, or Travel Companion.
Please note: Our Corona Travel Protection (exclusively part of our Flexi Fare) offers you insurance coverage if a doctor or health authority orders a personal quarantine due to a Coronavirus infection.
Will HanseMerkur cover the costs if I am not allowed to fly at the departure airport (or enter a country) because I have an elevated temperature?
HanseMerkur requires a medical certificate to evaluate whether this is an insured event. In such cases, you need to visit a medical professional immediately.
Please note: Our Corona Travel Protection (exclusively part of our Flexi Fare) offers you insurance coverage if you are refused carriage by authorized third parties (e.g., airport staff) because you are suspected of being infected with the Coronavirus.
I had contact with people who tested positive shortly before the trip; my own results are not clear, but I am still encouraged to stay home. Does HanseMerkur pay the cancelation costs?
Suspected infections are not covered events. You will always need a positive PCR test for insurance protection.
I am on vacation, but would like to travel back due to a serious Covid illness of a relative.
A relative counts as a "person at risk". In the event of an unexpected serious illness of a person at risk, the trip may be interrupted. The costs of the lost travel service as well as the additional return travel costs incurred will be covered.
I fall ill with Covid-19 while on vacation and therefore cannot fly back as planned. Will HanseMerkur cover the further costs for overnight stays on site as well as the additional costs for the return journey?
Full Protection and Cancelation: If you cannot fly back for an insured reason, HanseMerkur will cover the additional accommodation costs and the additional costs for the return journey.
Please note: Our Corona Travel Protection (exclusively part of our Flexi Fare) offers insurance coverage for the additional accommodation and/or return travel costs if you have to go into quarantine (even without being ill).
I already have travel insurance through my credit card. Do I still need to purchase travel insurance?
We recommend customers to carefully study the terms and conditions of their credit card insurance before their trip. This insurance coverage is often insufficient. For example:
- Typically, only cardholders themselves are insured.
- In many cases, this insurance is only active if the responsible insurer is informed of the travel destination and duration before the trip.
- In addition, the insurance included in credit cards frequently includes basic services only.
- Travel is often insured up to a certain travel price (e.g., €2,500); this means that clients have no insurance for more expensive trips.
- Many credit card insurance companies tend to have high deductibles (i.e., your out-of-pocket expenses are higher).