With our help you can cover your travel insurance online and also gather useful additional information about our travel insurance deals for exchanges, school trips, youth groups, community college trips, GAPP, au pairs, language students, teachers/lecturers/college professors and insurance for guests as well as travel cancellation insurance for your vacation or while working abroad.
At a time when confidence in the financial world is declining or customers are taking out insurance policies that do not deliver what they promise, you need a trusted partner at your side who will always act in your interest. We are aware of our responsibility and would like you to benefit from our many years of experience.
For this reason, we would like to make our services as transparent as possible for you, so that you know who you are trusting.
The purpose of travel health insurance is to protect the insured person from medical and treatment costs incurred during his or her stay abroad. This applies either to persons who have their main residence abroad and travel to Germany, or to persons who have their main residence in Germany and travel abroad. There is a social security agreement between certain countries. The resulting amount, which is not covered by the statutory health insurance, is partially or completely covered. Travel health insurance can be taken out either for a group or for individuals. The maximum insurance period is limited in time.
When taking out travel insurance, liability insurance (in a package together with accident insurance) can be chosen as an option. It protects the traveller against third-party liability claims within the framework of agreed coverage amounts. Insurance cover is claimed on the basis of statutory liability provisions under private law. The causer of the damage must be stated; the damage event can include personal injury, property damage or financial loss.
An accident is an unforeseen, sudden and external event which causes damage to a person and which may also result in (partial) invalidity or death. The accident insurance applies to accidents which occur to the insured during the validity of the contract. The insurance covers accidents all over the world. Persons in need of care and mentally ill persons are excluded from this insurance.
It has long been standard with our property packages, as it is often considered unnecessary, but is actually an important supplement to liability insurance. The legal expenses insurance is a substitute if I need legal assistance due to a claim or if I receive a threat of punishment abroad (e.g. because I bought a souvenir, which turns out to be a fake, etc.) The liability insurance compensates for damages I cause to another person, but does not help me if I have been injured myself - for this reason the travel legal expenses insurance is recommended.
The travel cancellation insurance comes into effect if a trip cannot be started due to an "insured event". It covers the possible costs determined beforehand. Very different contractual conditions can be defined here. There are also a large number of cancellation conditions that are tailored to the respective trips or events, such as concert tickets.
Other cancellation insurance policies:
Annual travel cancellation insurance
last-minute travel cancellation insurance
Hotel cancellation insurance
Seminar cancellation insurance
ticket cancellation insurance
The baggage insurance applies to German and foreign travel groups as well as to individual travellers and their family members. It also applies to the traveler's partner and children named on the insurance policy. The sum insured is € 2000 per participant and can be increased if necessary. Mobile phones and laptops are excluded from the insurance. It must be taken out at least one week before the start of the journey. BERNHARD luggage insurance is only offered as a package with other insurance policies, such as liability, accident and legal expenses insurance.
More about baggage insurance ...
BERNHARD-Reiseversicherungsmakler GmbH was founded in 2009 as a subsidiary of the BERNHARD Assekuranzmakler group of companies, which has its headquarters in Sauerlach, south of Munich in Bavaria. With its managing director Thorsten M. Kuhr, the Bavarian team was again strengthened with Hanseatic business spirit. The BERNHARD Assekuranzmakler-Firmengruppe can look back on more than 60 years of experience in the insurance sector and more than 20 years in the travel insurance sector. Independently and competently we would like to look with you, your children, pupils and travel participants on exciting journeys and foreign stays and fill our role as an insurance broker to the best.
We are aware of our responsibility and would like to share it with you. We would like to make our services as transparent as possible for you, so that you know who you are trusting.
Independently and competently we would like to look with you, your children, pupils and travel participants at exciting journeys and stays abroad and fulfil our role as an insurance broker to the best of our ability.
The BERNHARD insurance broker group of companies can look back on more than 60 years of experience in the insurance sector and more than 20 years in the travel insurance sector.