Your benefits

You cannot commence your trip or have to cancel your trip due to a sudden and unexpected event? Our travel cancellation insurance reimburses you for the cancellation costs of the tour operator or landlord. In addition, you get your money back for unused travel services or additional costs. Without ifs and buts. With HanseMerkur travel cancellation insurance, you and your dependants benefit from the following:

Tariff overview

	Carefree	Recommendation Premium
Travel cancellation insurance Travel cancellation insurance highlights: Reimbursement of contractually agreed cancellation, rebooking or cancellation costs, if there is an insured reason No excess We will cover the costs if you miss a flight, ferry, train or bus due to the delay of public transport. You can rebook for personal reasons up to 42 days before the start of your trip – we will cover the rebooking costs of up to € 30 per person.
Trip interruption insurance Travel interruption insurance highlights Refund of the entire travel price if cancelled within the first half of the trip (max. 8 days) Refund of unused travel services within the second half of the trip (from day 9) Insured events include unexpected, serious illnesses, pregnancy, damage to property The premium rate also secures many other events

Number of insured journeys	Single trips	Single trips
Scope of cover	Globally	Globally
Additionally insured items Extra-Benefits: Acuteness of chronic or existing conditions Death or inpatient treatment of a related unrelated person Document theft Failure to transport equipment Endangering physical security at the holiday destination Disease of dog, cat, horse
Best price guarantee Best price guarantee Refund of the price difference for cheaper competitive offers (for package tours; up to 7 days after booking)
Deductible

Affordable family tariff
Affordable group tariff

Sample price	from € 9 (per person for a travel price up to € 100) Calculate & book	from € 14 (per person for a travel price up to € 100) Calculate & book

What’s covered

Carefree

Premium

In the event of non-commencement of the journey/non-use of the rental property

Reimbursement of cancellation costs for insured events

Reimbursement of single supplements

In case of delayed departure

Reimbursement of additional outward journey costs incurred

When rebooking the trip

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

Insured reasons

Financial damage (over € 5,000) due to property crime/accident

Unexpected worsening of an existing condition

Illness or death of dog, cat, horse

Unexpected serious illness

Death, serious accidental injury

Pregnancy after travel booking

Fracture of prostheses, loosening of implanted joints

Failing the Matura/training exam or failing at school

Job loss with subsequent unemployment

Significant damage to property

Unexpected court summons

Divorce suit, dissolution of registered partnership

Change of job, short-time work

Re-employment after unemployment

What´s covered

Carefree

Premium

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)

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

In case of travel interruption

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

In case of late return

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

Insured reasons

Unexpected serious illness

Unexpected worsening of an existing condition

Death, serious accident injury

Pregnancy, complications during pregnancy

Fracture of prostheses, loosening of implanted articulation

Significant damage to property due to fire, water pipe break-in, burglary

Inpatient treatment or death of a loved one

Financial damage caused by property offences (theft, damage to property) or accident

Did you know? Facts about travel cancellation insurance

Our savings tip

Plan variants

Credit card insurance

Save with annual insurance

Perhaps it has also happened to you at some point: The holiday is planned, the anticipation is great, but shortly before the start of the trip something comes up and the holiday falls through. The cancellation of a holiday can have many reasons: illness, damage to the house or pregnancy. In order to prevent financial loss in the event of cancellation, we recommend our travel cancellation insurance. Should only one person travel unexpectedly, we will reimburse you for the single room supplement up to the amount of the total cancellation costs.

Travel cancellation insurance in an annual package

If you travel several times a year for business or pleasure, you can often save money with annual cancellation insurance from just 2 trips per year. With our annual cancellation cover – including travel protection package in the event of illness, accident or liability damage – you are covered for 365 days on as many trips as you like. If you take out an annual contract, you will benefit not only from travel cancellation insurance but also, among other things, from cover in the event of travel irregularities (such as flight delays), from health and accident cover during the trip and from luggage insurance.

We recommend our travel insurance to holidaymakers travelling by car, bus or train. In addition to travel cancellation insurance, this low-cost package also includes motor vehicle assistance for breakdowns and accidents.

What are the differences in plans?

We offer two plans for travel cancellation insurance – "Carefree" and "Premium". In both the Premium and Carefree plans, you can expect no deductible. If you compare both plans with each other, your protection is even more extensive in the premium variant. Many additional events are insured and you will be reimbursed higher sums in the event of a claim.

Additional insured reasons within the premium plan are, for example, a financial loss (over €5,000) due to an accident or property crime. However, we will also pay the cancellation costs in the event of an unexpected worsening of an existing condition in the event of travel cancellation. If you have to cancel, rebook or delay your trip because your travel documents have been stolen and cannot be recovered by the time you leave, the insurance cover will also apply.

Caution when it comes to credit card insurance

Many credit card providers advertise integrated cancellation insurance, provided you have booked and paid for your holiday with your credit card. The catch: Insurers often only cover the cancellation costs for the credit card holder in the event of a trip cancellation. If you travel with your family, they are often excluded from the insurance cover. With the HanseMerkur travel cancellation insurance, you have the option of insuring 6 people among each other within our family tariff. Should a family member not be able to make the trip for various reasons, we will cover the cancellation costs for all persons.

If you have to cancel your trip within the first half of the trip (max. within the first 8 days), we will reimburse the entire trip price within the travel curtailment insurance that comes included. You can read about all insured events in our overview of benefits.