Travel insurance (Auslandreiseversicherung) is an integral part of safety and protection during your holiday. It is important to be prepared for unforeseen circumstances, even if your German health insurance is valid in the country of travel. Financial protection, emergency assistance, trip cancellation coverage, psychological comfort and entry requirements are key reasons to take out travel insurance for your holiday.

Why is it important to take out travel insurance?

If you travel often, spend the winter in warmer climes, or are planning long business trips, the best solution would be annual package.

By insuring yourself, you protect yourself from financial losses and problems during your trip.

Types of Reiseversicherung insurance:

Reise-Krankenversicherung - health insurance

Reise-Unfallversicherung - an accident

Reise-Rücktrittsversicherung - trip cancellation

Reise-Gepäckversicherung - luggage

Medical insurance (Reise-Krankenversicherung)

  • Valid for all types of travel, including business trips,
  • valid worldwide, including USA/Canada,
  • it is possible to choose insurance for one trip or an annual rate,
  • the family package includes spouses/partners, children up to a certain age (depending on the insurance company),
  • covers emergency medical treatment (outpatient and hospital), incl. dental,
  • covers medical materials and medicines prescribed by a doctor, transportation to the clinic,
  • covers transportation back home,
  • assistance in personal emergencies (illness, loss of travel funds or criminal prosecution), as well as information services,
  • search, rescue and recovery costs.

Accident

  • Disability expenses. The lump-sum disability allowance is calculated from the sum insured and the degree of disability associated with the accident,
  • Necessary emergency transportation or repatriation in the event of a medical emergency while traveling,
  • Recovery costs after an accident,
  • Telephone costs if you contact the help desk to arrange repatriation.

Trip cancellation (Reise-Rücktrittsversicherung)

Compensates for financial losses due to trip cancellation.

Reasons for canceling a trip:

  • serious illness
  • accident,
  • death of a close relative
  • job loss,
  • Exams passage.

Luggage

Coverage up to 6000 euros.

  • loss of luggage (coverage of the cost of lost
    of things),
  • damage to luggage (reimbursement for
    repair or replacement of damaged items),
  • baggage delay (compensation for the purchase
    necessary things before the baggage arrives),
  • luggage theft (covering the cost of stolen
    items).

Protection against damage to third parties (Reise-Privathaftpflichtversicherung)

Provides protection and coverage when you are responsible for causing harm to others or their property while traveling. Here are some examples of using Reise-Privathaftpflichtversicherung:

  • During your stay at the hotel, you accidentally broke an expensive vase in the lobby. Travel insurance can help you pay for the damage you caused and cover the cost of replacing or repairing the vase.

  • While walking through the old city, you accidentally bumped into another tourist who broke his arm. The insurance will cover the damage and medical expenses.

  • During a trip, you accidentally dropped someone else's smartphone, damaging its screen. The insurance company will reimburse the cost of the damage.

If you have a Privathaftpflichtversicherung, then there is no need to additionally activate this option for travel.

We recommend making a regular insurance against damage to third parties (Privathaftpflichversicherung). This is the most necessary and popular additional insurance in Germany, which in most cases is valid worldwide. Compare rates and choose the best option you can here to register:.

The best offer for travelers

Barmenia

Barmenia Travel+

  • The amount of coverage is not limited
  • People living in Germany can be insured
  • The age of the insured person is up to 99 years
  • Can be added to insurance
    spouse/partner, children under 25,
    living together
  • Annual up to 1 year, maximum 56 days for 1 trip
  • Single trip from 3 to 365 days

You can include the following blocks to choose from:

  • Medical insurance
    (the amount is not limited; search and rescue up to 5 euros)
    Travel Health Insurance
  • Accident (disability up to 30 euros)
    Reise-Unfallversicherung
  • Trip cancellation
    Travel cancellation insurance
  • Responsibility
    before third parties
    Reise-Haftpflichtversicherung
  • Luggage (up to 6 euros)
    Reise-Gepäckversicherung

The best offer for active sports

  • The amount of coverage is not limited
  • People living in Germany can be insured
  • The age of the insured person is up to 64 years
  • Additionally, you can include a spouse / partner in the insurance, up to 6 children, cohabitation is optional
  • Annual up to 1 year, maximum 56 days for 1 trip
  • Single trip up to 90 days
You can include the following blocks:
  • Medical insurance
    (the amount is not limited; search and rescue up to 10 euros)
    Travel Health Insurance
  • Accident (disability up to 30 euros)
    Reise-Unfallversicherung
  • Trip cancellation
    Travel cancellation insurance
  • Liability to third parties
    Reise-Haftpflichtversicherung
  • Luggage (up to 6 euros)
    Reise-Gepäckversicherung

What is the duration of travel insurance?

For one year...
  • You are protected even when traveling for 2 days to neighboring Austria or the Czech Republic. Protection all year round.
  • There can be an unlimited number of trips per year, but there is a limit on the total number of days spent abroad.
  • It costs less than daily insurance.
  • You can only cancel after one year.
...or the number of vacation days..
  • Paid for every day. The more days, the correspondingly more expensive.
  • You can cancel if the trip is cancelled.

What to do in case of an emergency?

  1. You must contact your insurance company immediately. You need to report the following information:
    – exact address and telephone number of your current place of residence;
    – names of contact persons (e.g. doctor, hospital, police);
    – an accurate description of the circumstances, evidence of their occurrence;
    – all other necessary data (for example, start/end of the trip, organizer, insurance policy number).
  2. In case of theft or committing criminal acts against you, you must immediately report the incident to the nearest police station.

If you need inpatient treatment, you must contact your insurance company, before paying expenses or repatriating.

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