Our annual cancellation insurance with travel protection covers you and your family for a full year on as many holidays as you like for up to 62 days. We will help you financially if your travel plans change or "fall through" altogether. In the event of illness or an accident, medical and hospital costs abroad are covered. If luggage, sports equipment or valuables are lost en route, you will also receive a replacement.
Sickness and accident cover during the trip
Cancellation insurance
Rebooking costs up to 42 days before the start of the trip for personal reasons
24-hour emergency call service
| Carefree |
Recommendation
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| Travel cancellation insurance
Travel cancellation insurance highlights:
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| Travel interruption insurance
Travel interruption insurance highlights
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| Return travel protection
Travel interruption insurance highlights:
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| Delay protection If public transport is delayed by more than 2 hours, we reimburse additional outward journey costs, accommodation costs and return journey costs. | ||
| Transfer protection If the feeder flight is delayed by more than 2 hours at the connecting airport in Europe, we reimburse additional transfer costs, costs for a new booking and accommodation costs. | ||
| Reimbursement of deductible If your travel booking already includes cancellation insurance (with a deductible), we pay the deductible charged by the primary insurer (e.g. credit card, tour operator) up to 20% of the insured travel price. | ||
| Luggage insurance Replacement for damaged, lost or late baggage. | ||
| Travel accident coveragen Reimbursement of expenses in the event of death or disability | ||
| Personal assistance Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip, for example if you lose your means of payment. | ||
| Travel health insurance Cost sharing for medically necessary healing measures in the event of unexpected illnesses or accidents of the insured person while traveling abroad. | ||
| Travel liability insurance Liability risks of everyday life and rental damages. | up to € 750.000 | up to € 1 Mio. |
| Maximum trip duration | 62 days | 62 days |
| Scope | Globally (Transfer protection only in Europe) | Globally (Transfer protection only in Europe) |
| Additionally insured items
Extra-Benefits:
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| Best price guarantee
Best price guarantee
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| Deductible | 20 % (for medical expenses abroad if claims are not made to social/private insurance) | |
| Affordable family tariff | ||
| Max. insurable travel price | € 15.000 per person/family | € 15.000 per person/family |
| Price overview | from 89 € (per year for individuals, travel price up to € 1.000)Calculate & book | from 99 € (per year for individuals, travel price up to € 1.000)Calculate & book |
| What’s covered | Carefree | Premium |
|---|---|---|
| In the event of non-commencement of the journey/non-use of the rental property | ||
| In the event of non-commencement of the journey/non-use of the rental property | ||
| Reimbursement of cancellation costs for insured events | ||
| Reimbursement of cancellation costs for insured events | ||
| Reimbursement of single supplements | ||
| Reimbursement of single supplements | - | |
| In case of delayed departure | ||
| In case of delayed departure | ||
| Reimbursement of additional outward journey costs incurred | ||
| Reimbursement of additional outward journey costs incurred | ||
| When rebooking the trip | ||
| When rebooking the trip | ||
| Reimbursement of rebooking costs for rebooking for an insured reason | ||
| Reimbursement of rebooking costs for rebooking for an insured reason | ||
| Reimbursement of rebooking costs up to € 30 for rebooking up to 42 days before departure | ||
| Reimbursement of rebooking costs up to € 30 for rebooking up to 42 days before departure | ||
| Insured reasons | ||
| Insured reasons | ||
| Financial damage (over € 5,000) due to property crime/accident | ||
| Financial damage (over € 5,000) due to property crime/accident | - | |
| Unexpected worsening of an existing condition | ||
| Unexpected worsening of an existing condition | ||
| Illness or death of dog, cat, horse | ||
| Illness or death of dog, cat, horse | - | |
| Unexpected serious illness | ||
| Unexpected serious illness | ||
| Death, serious accidental injury | ||
| Death, serious accidental injury | ||
| Pregnancy after travel booking | ||
| Pregnancy after travel booking | ||
| Fracture of prostheses, loosening of implanted joints | ||
| Fracture of prostheses, loosening of implanted joints | ||
| Failing the Matura/training exam or failing at school | ||
| Failing the Matura/training exam or failing at school | ||
| Job loss with subsequent unemployment | ||
| Job loss with subsequent unemployment | ||
| Significant damage to property | ||
| Significant damage to property | ||
| Unexpected court summons | ||
| Unexpected court summons | ||
| Divorce suit, dissolution of registered partnership | ||
| Divorce suit, dissolution of registered partnership | ||
| Change of job, short-time work | ||
| Change of job, short-time work | ||
| Re-employment after unemployment | ||
| Re-employment after unemployment | ||
| What´s covered | Carefree | Premium |
|---|---|---|
| In case of travel cancellation | ||
| In case of travel cancellation | ||
| Full refund of the travel price if the trip is cancelled within the first half of the trip (max. within the first 8 days) | ||
| Full refund of the travel price if the trip is cancelled within the first half of the trip (max. within the first 8 days) | ||
| Reimbursement of unused travel services if the trip is interrupted during the second half of the trip (from the 9th day at the latest) | ||
| Reimbursement of unused travel services if the trip is interrupted during the second half of the trip (from the 9th day at the latest) | ||
| Reimbursement of demonstrably incurred additional return travel costs and other additional costs directly caused by this | ||
| Reimbursement of demonstrably incurred additional return travel costs and other additional costs directly caused by this | ||
| In case of travel interruption | ||
| In case of travel interruption | ||
| Reimbursement of unused travel services | ||
| Reimbursement of unused travel services | ||
| Repayment of travel expenses, for a round trip or cruise, in order to be able to return to the tour group | ||
| Repayment of travel expenses, for a round trip or cruise, in order to be able to return to the tour group | ||
| In case of late return | ||
| In case of late return | ||
| Reimbursement of accommodation costs for extended stay in the event of incapacity for transport and elementary events | ||
| Reimbursement of accommodation costs for extended stay in the event of incapacity for transport and elementary events | ||
| Reimbursement of additional return travel costs and related costs | ||
| Reimbursement of additional return travel costs and related costs | ||
| Insured reasons | ||
| Insured reasons | ||
| Unexpected serious illness | ||
| Unexpected serious illness | ||
| Unexpected worsening of an existing condition | ||
| Unexpected worsening of an existing condition | - | |
| Death, serious accident injury | ||
| Death, serious accident injury | ||
| Pregnancy, complications during pregnancy | ||
| Pregnancy, complications during pregnancy | ||
| Fracture of prostheses, loosening of implanted articulation | ||
| Fracture of prostheses, loosening of implanted articulation | ||
| Significant damage to property due to fire, water pipe break-in, burglary | ||
| Significant damage to property due to fire, water pipe break-in, burglary | ||
| Inpatient treatment or death of a loved one | ||
| Inpatient treatment or death of a loved one | - | |
| Financial damage caused by property offences (theft, damage to property) or accident | ||
| Financial damage caused by property offences (theft, damage to property) or accident | - | |
| What´s covered | Carefree | Premium |
|---|---|---|
| Post-travel costs in case of interruption of travel, accommodation and return travel costs | ||
| Post-travel costs in case of interruption of travel, accommodation and return travel costs | ||
| Additional outward travel costs, accommodation costs and return travel costs if public transport is delayed by more than 2 hours | ||
| Additional outward travel costs, accommodation costs and return travel costs if public transport is delayed by more than 2 hours | ||
| Additional return travel costs in case of delay of the feeder flight | ||
| Additional return travel costs in case of delay of the feeder flight | - | |
| Costs of rebooking in case of delay of the feeder flight | ||
| Costs of rebooking in case of delay of the feeder flight | up to € 250 | up to € 500 |
| Accommodation costs in case of delay of the feeder flight | ||
| Accommodation costs in case of delay of the feeder flight | up to € 50 | up to € 75 |
| What´s covered | Carefree | Premium |
|---|---|---|
| Exclusion of deductible from existing cancellation insurance (e. g. credit card, tour operator, etc. ) up to 20% of the travel price | ||
| Exclusion of deductible from existing cancellation insurance (e. g. credit card, tour operator, etc. ) up to 20% of the travel price | ||
| What´s covered | Carefree | Premium |
|---|---|---|
| Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events | ||
| Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events | up to € 2.000 (Single) up to € 4.000 (Family) | up to € 3.500 € (Single) up to € 7.000 (Family) |
| Replacement purchases in case of luggage delay at destination | ||
| Replacement purchases in case of luggage delay at destination | up to € 500 per person or € 1.000 per family | up to € 750 per person or € 1.500 per family |
| What´s covered | Carefree | Premium |
|---|---|---|
| Amount insured | ||
| Amount insured | ||
| Sum insured in the event of death | ||
| Sum insured in the event of death | € 10.000 | € 20.000 |
| In case of invalidity | ||
| In case of invalidity | € 20.000 | € 40.000 |
| Rescue costs | ||
| Rescue costs | € 20.000 | € 80.000 |
| Cosmetic surgery costs | ||
| Cosmetic surgery costs | - | € 5.000 |
| What´s covered | Carefree | Premium |
|---|---|---|
| Travel call | ||
| Travel call | ||
| In criminal proceedings | ||
| In criminal proceedings | ||
| Assistance in cases of arrest and threat of arrest (loans) | ||
| Assistance in cases of arrest and threat of arrest (loans) | up to € 3.000 | up to € 3.000 |
| Penalty bond (loans) | ||
| Penalty bond (loans) | up to € 13.000 | up to € 13.000 |
| In case of loss of means of payment and documents | ||
| In case of loss of means of payment and documents | ||
| Loss of travel funds (loans) | ||
| Loss of travel funds (loans) | up to € 1.500 | up to € 1.500 |
| Help in case of loss of credit cards and debit or Maestro cards | ||
| Help in case of loss of credit cards and debit or Maestro cards | ||
| Loss of travel documents | ||
| Loss of travel documents | ||
| Help with rebookings/delays | ||
| Help with rebookings/delays | ||
| Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell) | ||
| Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell) | - | € 500 |
| What´s covered | Carefree | Premium |
|---|---|---|
| Outpatient treatment | ||
| Outpatient treatment | ||
| Pain-relieving dental treatment | ||
| Pain-relieving dental treatment | ||
| Medicines and bandages | ||
| Medicines and bandages | ||
| Radiation, light and other physical treatments | ||
| Radiation, light and other physical treatments | ||
| Massages, packs, inhalations and physiotherapy | ||
| Massages, packs, inhalations and physiotherapy | ||
| Aid prescribed | ||
| Aid prescribed | ||
| X-ray diagnostics | ||
| X-ray diagnostics | ||
| Operations | ||
| Operations | ||
| Inpatient treatment | ||
| Inpatient treatment | up to € 300.000 | 100 % |
| Medically necessary pregnancy treatments and premature births | ||
| Medically necessary pregnancy treatments and premature births | ||
| Medical transport for inpatient treatment | ||
| Medical transport for inpatient treatment | ||
| Medically sensible return transport of patients | ||
| Medically sensible return transport of patients | ||
| Costs for an accompanying person in case of return transport of sick persons | ||
| Costs for an accompanying person in case of return transport of sick persons | ||
| Transfer costs | ||
| Transfer costs | ||
| Funeral costs abroad | ||
| Funeral costs abroad | ||
| Subsequent payments abroad | ||
| Subsequent payments abroad | ||
| Dispatch of medicines | ||
| Dispatch of medicines | ||
| Visit to the hospital – in case of hospital stay longer than 5 days | ||
| Visit to the hospital – in case of hospital stay longer than 5 days | - | |
| Information about local doctors | ||
| Information about local doctors | ||
| Communication of information between doctors | ||
| Communication of information between doctors | ||
| What´s covered | Carefree | Premium |
|---|---|---|
| Liability risks of everyday life | ||
| Liability risks of everyday life | € 750.000 | € 1 Mio. |
| Rental damage per insured event | ||
| Rental damage per insured event | € 25.000 | € 25.000 |
Within 3 working days after booking the trip
Each insurance contract that includes cancellation protection insurance or excess insurance must be taken out no later than the 3rd working day (Monday - Saturday) after booking the trip (booking date + 3 working days). If the insurance is taken out later, insurance cover is only available for events that occur from the 10th day after taking out the insurance ("waiting period").
Frequent travellers, business travellers
We recommend our annual cancellation insurance with travel protection to all people who travel several times a year or travel a lot on business.
Yes, only without insurance cover for the current trip
If you only take out our annual cancellation insurance with travel protection after the start of your trip, the insurance cover will only apply to subsequent trips.
Maximum 7 persons
In the family plan, you can insure up to 7 persons in total. A maximum of 2 adults and children up to the age of 25 count as a family, regardless of their relationship.
A maximum of 62 days
With our annual cancellation insurance with travel protection, you are insured for as many trips as you like within 365 days. The maximum travel duration per trip is 62 days.
Travel as often as you like! Thanks to the annual cancellation insurance with travel protection, you and your loved ones are covered for 1 year. Things always seem to happen when you least expect them: If you do not start a planned trip due to illness or damage to property, you will be reimbursed the cancellation costs. If you are already on the road, our travel assistance offers help in all emergency situations – worldwide and around the clock. Our hotline experts provide support, for example, in the event that you lose your means of payment while travelling and documents, or establish contact with German-speaking doctors.
Do you travel a lot for business and pleasure? With our annual cancellation insurance including travel protection, you are insured worldwide against many events. In addition to travel cancellation insurance, the package protection includes health and accident insurance abroad, delay protection and compensates for the loss of valuables. Annual cancellation insurance with travel protection is often worthwhile for as few as 2 trips a year and offers favourable conditions for families.
We offer the "Annual cancellation insurance with travel protection" in 2 variants: Carefree and Premium. The Premium package secures you lots of additional benefits, such as the Best Price Guarantee or higher compensation payments in the event of lost baggage. Furthermore, additional cancellation reasons are included in the Premium version.
