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Annual travel cancellation insurance with holiday guarantee (including travel interruption insurance)

 

Our highlights

  • Reimbursement of trip cancellation costs
  • incl. Corona protection
  • any number of trips per year

from 29 € per person

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Home      Travel insurance      Travel insurance      Travel Cancellation Insurance      Annual travel cancellation insurance

Our rates for annual travel cancellation insurance

Travel Cancellation Basic Cover

  • Corona services
  • Travel Cancellation Insurance
  • For all trips in one year

 

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    Information about the benefits

    Travel Cancellation Full Protection

    • Corona services
    • Travel Cancellation Insurance
    • Travel Interruption Insurance
    • Sport & Active Insurance
    • For all trips in one year

     

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      Information about the benefits

      Travel Cancellation Full Protection Plus

      • Corona benefits
      • Travel Cancellation Insurance
      • Travel Interruption Insurance
      • Travel health insurance
      • Sport & Active Insurance
      • For all trips in one year

       

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        Information about the benefits

        The benefits of travel cancellation in comparison

        Comparison of tariffs

        Tariff overview
        Basic protection
        Full protection
        Full Protection Plus

        Travel Cancellation Insurance

        ✔️
        ✔️
        ✔️
        Travel not possible or not reasonable due to, among other things:      
        Death
        ✔️
        ✔️
        ✔️
        Unexpected severe illness-including epidemic or pandemic disease such as COVID-19-or pregnancy
        ✔️
        		✔️
        ✔️
        Personal quarantine
        ✔️
        ✔️
        ✔️
        Damage to property
        ✔️
        ✔️
        ✔️
        Benefits of the travel cancellation insurance      
        Contractually owed cancellation costs in the event of non-commencement of the trip
        ✔️
        		✔️
        ✔️
        Additional costs for rebooking the trip
        ✔️
        ✔️
        ✔️
        Deductible
        lockable with or without
        		lockable
        with or without
        lockable with
        or without
        for tariffs with deductible:
        20 % of the recoverable damage, at least 25,- € per person / object
        20 % of the recoverable damage, at least 25,- € per person / object
        20 % of the recoverable damage, at least 25,- € per person / object

        Trip interruption insurance

        X
        ✔️
        ✔️
        Scheduled continuation of trip not possible or not reasonable due to, among other things:      
        Serious accidental injury or unexpected serious illness - including epidemic or pandemic disease such as COVID-19
        X
        ✔️
        ✔️
        Personal quarantine
        X
        ✔️
        ✔️
        Natural disasters at the travel destination
        X
        ✔️
        ✔️
        Benefits of the trip interruption insurance      
        Additional travel expenses
        X
        ✔️
        ✔️
        Proportionate travel price of booked, unused insured travel services on site
        X
        ✔️
        ✔️
        Additional costs for accommodation and transportation in the event of an absolutely necessary extension of the trip
        X
        ✔️
        ✔️
        Deductible
        X
        lockable with or without
        lockable with or without
        for tariffs with deductible:
        X
        20 % of the recoverable damage, at least 25,- € per person / object
        20 % of the recoverable damage, at least 25,- € per person / object

        Delay insurance

        X
        ✔️
        ✔️
        Insured events      
        Delay of the transport company by at least four hours
        X
        ✔️
        ✔️
        Traffic accident on arrival
        X
        ✔️
        ✔️
        Benefits of the delay insurance      
        Proportionate costs of booked, unused insured travel services on site
        X
        ✔️
        ✔️
        Additional costs for meals and accommodation, communication and local transportation
        X
        ✔️
        ✔️
        Sum insured:
        X
        1.500,- € per person or 3.000,- € per family / couple
        1.500,- € per person or 3.000,- € per family / couple

        Sport & Active Insurance

        X
        ✔️
        ✔️
        Insured events      
        Participation in pre-booked activity not possible or not reasonable, among others due to illness or death
        X
        ✔️
        ✔️
        Damage / loss / theft of sports equipment
        X
        ✔️
        ✔️
        Benefits of the Sport & Aktiv insurance      
        Non-reimbursable expenses incurred for the activity
        X
        		✔️
        ✔️
        Costs for repair or replacement of sports equipment
        X
        ✔️
        ✔️
        Sum insured:
        X
        500,- € per person / family / couple for missed activities
        500,- € per person / family / couple for missed activities
         
        X
        500,- € per person or 1.000,- € per family / couple for sports equipment
        500,- € per person or 1.000,- € per family / couple for sports equipment

        travel health insurance incl. repatriation

        X
        		X
        ✔️
        Insured events      
        Illness or accident during the trip - including medical treatment due to an epidemic or pandemic disease such as COVID-19
        X
        X
        ✔️
        Benefits of travel health insurance incl. medical repatriation.      
        Costs for necessary outpatient treatment by a physician
        X
        		X
        ✔️
        Costs of medically prescribed drugs and medical treatment
        X
        		X
        ✔️
        Costs of necessary inpatient treatment in hospital
        X
        		X
        ✔️
        Costs of emergency transport of the sick and medically reasonable and justifiable return transport of the sick
        X
        X
        ✔️
        Search, rescue and recovery costs X
        X
        Up to 10,000.- €
        Provided the conditions for this are met: credit card activation for direct payment of outpatient treatment costs and medicines
        X
        X
        ✔️

        Additional services

        		     
        Travel assistance
        ✔️
        ✔️
        ✔️
        Assistance in personal emergencies - e.g. in case of illness or loss of travel payment means, criminal prosecution - as well as information services for questions regarding safety, mobility, money and authorities.
        ✔️
        ✔️
        ✔️

        Insured reasons of the annual travel cancellation insurance

        • Illness or injury (including a diagnosis of an epidemic or pandemic disease such as COVID-19).

        • Your primary residence becomes uninhabitable

        • Termination of employment

        • Vaccination incompatibility

        • Required travel documents are stolen

        • Tourist visa of destination or transit country is denied

        • Accommodation at destination becomes uninhabitable

        Overview of all insured benefits

        1. You or your travel companion becomes so ill (including a diagnosis of an epidemic or pandemic illness such as COVID-19) or injured that you are forced to cancel your trip. The following condition applies: a doctor advises you or your travel companion to cancel your trip before you cancel.
        2. A family member who is not traveling with you becomes ill (including a diagnosis of an epidemic or pandemic disease such as COVID-19) or injured, and the following condition applies: the illness or injury must be determined by a physician to be life-threatening or require hospitalization.
        3. You, your Traveling Companion, a Family Member or your Assistance Dog dies after the effective date of your coverage and after you have booked your Trip.
        4. You or Your Traveling Companion are quarantined prior to Your Trip because You have been exposed to: a. a contagious disease, other than an epidemic or pandemic; or b. an epidemic or pandemic disease (e.g., COVID-19), but only if all of the following conditions are satisfied: i. The quarantine specifically affects you or your travel companion. That is, you or your travel companion must be personally named in the quarantine order or directive and quarantined because of an epidemic or pandemic. ii. Quarantine has not been imposed generally (a) on any part or all of the population, or on any geographic area, building, or vessel. The quarantine must not have been imposed (b) because you or your travel companion have previously traveled to or come from a particular area. This condition (ii) applies even if you or your traveling companion are specifically quarantined by name.
        5. You or Your Traveling Companion are involved in a traffic accident on the day of departure, and one of the following conditions must apply: a. You or your travel companion require medical attention. b. Your vehicle or your Traveling Companion's vehicle needs repair because it is not in running condition.
        6. You are required by law to attend a court appearance at the time of your scheduled trip, subject to the following condition: a. Attendance is not in the course of your professional duties. (So, for example, if you are attending in your capacity as an attorney, court employee, expert witness, police officer, or in the course of any other such employment, you will not be covered).
        7. Your principal residence becomes uninhabitable.
        8. Your carrier is unable to transport you to your originally scheduled destination within 24 hours of your originally scheduled arrival time because of one of the following events: A. Natural disaster B. Thunderstorm C. Strike - but not if it was threatened or announced before you purchased your insurance or booked your trip D. Government-ordered suspension of air or train service. Travel warnings or bans by any government or authority are excluded from this. However, if it is possible for you to get to your original destination by an alternative means, we will reimburse you for the following costs up to the maximum insured amount of your trip cancellation insurance: i. the necessary out-of-pocket expenses for the alternative transportation, less any reimbursements; and ii. the cost of any pre-booked accommodation not used due to your late arrival, less any reimbursements. The following conditions apply: a. The class of transportation of the alternate transportation must not be better than the class of transportation originally booked. b. Coverage in the event of a strike does not apply if the striking employees are employed by the carrier or its affiliate with which you purchased your insurance.
        9. You or your traveling companion are terminated by a current employer after purchasing your insurance, and the following conditions apply: a. The termination is not self-inflicted. b. The employment must have been for an indefinite period of time. c. The employment must have lasted at least twelve consecutive months.
        10. You or Your Traveling Companion will enter into permanent, paid, Social Security-covered employment after Your coverage is purchased that requires You to be present at work during the originally scheduled period of travel.
        11. You or your travel companion must permanently relocate your primary residence by at least 150 kilometers because the employer has transferred you or your travel companion. Coverage is also provided if you must relocate because of the transfer of your spouse, domestic partner or cohabitant.
        12. You or your travel companion are acting as a first responder. You have an assignment in this capacity during the originally scheduled travel period because an accident or emergency (including a natural disaster) has occurred.
        13. You or your travel companion are required to attend an adoption hearing as part of an adoption proceeding at the scheduled time of your trip.
        14. You, your travel companion, or a family member is transferred/deputized as a member of the Armed Forces or the leave status is changed. This does not include changes due to wartime or disciplinary action.
        15. A vaccination required for entry into a destination country cannot be administered to you or your travel companion for health reasons.
        16. Your travel documents required for the trip or those of your travel companion are stolen, subject to the following condition: you must prove that you have made efforts to obtain replacement documents so that you can use them to complete the originally planned trip.
        17. You or your travel companion are denied a tourist visa by the authorities of the destination or transit country.
        18. You discover after taking out this insurance that you are pregnant.
        19. You are to be present at the birth of the child of a family member.
        20. Your accommodation at your destination becomes uninhabitable.
        21. You had planned to stay with family members for your trip outside the country where your residence is located. However, they are unable to accommodate you because a member of that household has died or become seriously ill or injured.
        22. Government authorities order a mandatory evacuation at your destination, effective within 24 hours before your departure date, subject to the following condition: a. The event resulting in the mandatory evacuation was not publicly disclosed until after the policy start date. b. The travel reservation was made before the event leading to the mandatory evacuation was publicly disclosed.
        23. You or Your Traveling Companion officially / legally separate or become legally divorced on or after the Policy Commencement Date but prior to Your Scheduled Departure Date. The following condition applies: the Trip was booked during the Policy Period.
        24. Your vehicle or the vehicle of your travel companion breaks down on the way to the starting point of your trip.
        25. The vehicle in which you or your travelling companion intended to travel to the starting point of your trip or which was to be the main means of transport during your trip is stolen.
        26. You are a pupil / student at an accredited educational institution. You do not pass the final exam or do not meet the class objective to advance to the next grade level.
        27. You have booked a multi-day trip or registered for a multi-day event prior to your departure date that is the primary purpose of your trip. Your tour operator or the commercial provider of the event cancels it due to: a. Natural disaster b. Severe weatherNOTE: We will not reimburse you for the cost, of the multi-day trip/event cancelled by the tour operator. We will only reimburse you for additional lodging and transportation costs booked in advance that are not reimbursable by the organizer.
        28. You or your travel companion become seriously ill (including diagnosis of an epidemic or pandemic disease such as COVID-19) or seriously injured. Therefore, you or your travel companion are no longer able to participate in the activity that is the primary purpose of your trip, subject to the following condition: a physician advises you not to participate prior to your departure. If the doctor's advice cannot be obtained prior to the start of the activity, the following condition applies: you must consult a doctor within 48 hours of the activity or as soon as there is a reasonable opportunity to do so. The doctor must subsequently confirm the decision not to participate in the activity.Item 28 only insured in Full Protection and Full Protection Plus.

         

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        Costs - Our annual premiums at a glance:

        Annual travel cancellation basic cover

        Travel price per trip worldwidesingle person worldwidefamily/couples
        up to max. 1.000,- 29,00 € -
        up to max. 2.000,- 56,00 € 65,00
        up to max. 3.000,- 75,00 € 76,00
        up to max. 4.000,- 109,00 € 109,00
        up to max. 6.000,- 155,00 € 161,00
        up to max. 8.000,- 215,00 € 221,00
        up to max. 10.000,- 256,00 € 269,00
        up to max. 12.000,- - 299,00 €

        Annual travel cancellation full protection incl. travel interruption

        Travel price per trip worldwidesingle person worldwidefamily/couples
        up to max. 1.000,- 41,00 € -
        up to max. 2.000,- 64,00 € 75,00
        up to max. 3.000,- 101,00 € 112,00 €
        up to max. 4.000,- 113,00 € 129,00
        up to max. 6.000,- 169,00 € 175,00
        up to max. 8.000,- 229,00 € 233,00
        up to max. 10.000,- 281,00 € 281,00
        up to max. 12.000,- - 349,00 €

        Advantages of the annual travel cancellation insurance

        Advantages of the annual travel cancellation insurance

        Annual trip cancellation insurance: With annual trip cancellation insurance , you are covered for all your trips. If you have to cancel your trip due to an unexpected serious illness, an accidental injury or if you lose your job, we will reimburse the contractually agreed cancellation costs. Travel Cancellation Insurance coverage is in effect until the trip begins.

        Trip interruption insurance:

        Travel Interruption Insurance / Vacation Guarantee can be added as an option and provides you with the necessary insurance coverage if you have already started your trip.

        Travel Assistance:

        Travel Assistance provides a 24-hour emergency service around the clock for fast and expert assistance worldwide.

        It assists with:

        • Information before the trip
        • Arrangement of a doctor or medical facility
        • Support during hospital stays
        • Medical interpreter service
        • Assistance with lost travel documents
        • Money transfer in case of emergency
        • Legal assistance and contact with authorities
        • Message transfer in case of emergency

        > You can find more detailed information in our insurance conditions

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        Important information about the annual travel cancellation insurance

        Here you will find an excerpt of the most important information, detailed information can be found in the respective insurance conditions!

        When should travel cancellation insurance be taken out?

        • We recommend that you take out travel insurance on the day you book your trip, at the latest within the following three days.
        • If your trip is at least 30 days in the future, the conclusion with us is possible up to 30 days before departure. However, only insured events that occur from the time the insurance is taken out are covered.
        • If your trip takes place in 29 days or earlier, the travel protection must be concluded immediately, at the latest within the next three days.
        • If you purchase annual travel protection, travel bookings made before you purchase insurance will be included in coverage if your trip begins in 30 days or less. If travel commences within 29 days or less, Annual Travel Cancellation Insurance must be purchased within three days of the travel booking in order for the booking to be included in Annual Travel Protection.

        Insured Trip Duration:

        • Travel Cancellation Insurance Basic and Full Coverage: The maximum travel duration is 999 days per trip. If your individual trip lasts longer, insurance coverage is only provided for the first 999 days.
        • Travel Cancellation Insurance Full Protection Plus: up to max. 56 days per trip, for any number of trips within one year.

        Scope:

        Worldwide incl. USA / Canada

        Travel type:

        Valid for all types of travel - including business trips

        Contract length:

        The contract is automatically extended for another year if it is not terminated in writing three months before expiry.

        Insurance contribution for families / couples:

        Valid for up to two adults (regardless of relationship and joint residence) and children up to their 21st birthday. Any number of own children can be insured. Otherwise, a maximum of six children can be insured. All insured persons must be listed by name. In the case of annual travel protection, the maximum travel prices / sums insured stated in the insurance certificate apply in full for each trip. All insured persons may also travel separately. The insurance coverage of the co-insured children ends with their 21st birthday.

        Insurance conditions of the annual travel cancellation insurances

        Annual travel cancellation insurance basic cover: PDF Download

        Annual travel cancellation insurance full protection: PDF Download

        Annual travel cancellation insurance full protection plus: PDF Download

        Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

        Annual travel cancellation insurance | Insurance conditions

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        Convenient payment with:

        • SEPA direct debit
        • Invoice
        • Credit card
        • Giropay
        • Instant bank transfer
        Annual travel cancellation insurance pay with credit card

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