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Together with HanseMerkur Travel Insurance, we offer three insurance packages designed for different needs.
Whether you want comprehensive coverage, cancellation protection, or coverage during your trip, you can choose the option that best fits you and your travel plans.
Eligibility: These products are available only to residents of EU member states and Switzerland. They are not available to residents of the United States or any other countries.
Before departure and trip interruption.
✓ Trip cancellation: reimbursement of covered cancellation costs
✓ Trip interruption: reimbursement for unused travel services
✓ Vacation guarantee if your trip ends early
✓ Additional costs caused by a delayed return
Health, luggage, emergency assistance, liability, and accident coverage during the trip.
✓ International health insurance and medical repatriation
✓ 24/7 emergency hotline and assistance if travel documents are lost
✓ Travel accident and personal liability coverage
✓ Baggage coverage for loss, damage, or delay
Package C combines Package A and B and includes all benefits from both packages.
✓ Trip cancellation and interruption
✓ International health insurance and medical repatriation
✓ Emergency assistance and baggage coverage
✓ Travel accident and personal liability coverage
These travel insurance plans provide broad coverage worldwide, but they are available only to residents of EU member states and Switzerland. We recommend purchasing travel insurance when you book your trip. If you want to insure a trip you have already booked, use the enrollment link that matches your country of residence.
General Insurance Terms and Conditions
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Insurance intermediary disclosure
As part of our travel insurance brokerage services, we offer advice. We receive commissions and other compensation for these services; these amounts are already included in the insurance premium.
Chamber of Commerce registration number: D-GN4X-05K7O-03
Registration authority: German Chamber of Commerce and Industry (DIHK) e.V., Breite Strasse 29, 10178 Berlin, Germany, phone +49 (0)180 600 5850 | Open intermediary register
Dispute resolution body: Versicherungsombudsmann e.V., P.O. Box 08 06 32, 10006 Berlin, Germany | Open Insurance Ombudsman website
Use our contact form to submit your cancellation request. Please include your full name and the email address you used when booking. This allows us to identify your insurance policy and process your request.
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.
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.
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!
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.
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 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).
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.
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: