Travel insurance from HanseMerkur
A carefree start - with HanseMerkur's strong protection.
Anyone planning a trip wants to relax carefree and look forward to wonderful experiences. But unexpected events such as illness, emergencies abroad, delayed luggage or a last-minute trip cancellation can quickly lead to high costs. With HanseMerkur travel insurance, you are reliably and comprehensively covered: before, during and after your trip.
Whether it's trip cancellation, trip interruption, international health insurance or all-round protection with premium cover: we provide you with all the important information about the tariffs as well as transparent overviews of benefits. So you can simply choose the cover that suits your travel plans and start your vacation with peace of mind.
Why travel insurance makes sense
Why travel insurance?
Travel insurance protects you against high costs in the event of illness, emergencies or unexpected travel changes. This allows you to remain flexible and enjoy your trip with clear benefits and 24/7 worldwide emergency service.
When to take out travel insurance?
It is best to do this directly at the time of booking. Travel cancellation insurance must be taken out at least 30 days before departure (or by the 3rd working day after booking in the case of last-minute bookings). All other travel insurance services can be booked until immediately before departure.
Why more than just credit card protection?
Credit cards often only offer limited protection and do not always adequately cover many risks, such as medical emergencies or trip interruption. Independent travel insurance offers more comprehensive benefits and reliable support worldwide.
Our travel insurance packages at a glance
HanseMerkur's travel cancellation insurance provides reliable protection against high costs if you are unable to start your trip for an insured reason. You remain flexible if you have to cancel at short notice for health, family or work reasons. So you can plan with peace of mind and travel with the certainty that your travel costs are optimally covered. From the very first day of booking.
HanseMerkur's high-performance travel cancellation & curtailment insurance protects you both before and during your trip. It covers cancellation costs in the event of non-commencement and supports you financially if an unexpected interruption or delayed return journey is necessary. This means you remain covered at every step of your trip and benefit from a reliable, comprehensive solution: ideal for anyone who wants maximum planning security .
Premium cover combines all important travel insurance policies in one complete package and thus offers the highest standard of protection from HanseMerkur. You are comprehensively covered in the event of medical emergencies, loss of luggage, liability claims as well as in the event of cancellation or interruption of your trip. An all-round carefree package for all those who want maximum security and carefree travel worldwide .
These services are included in the travel insurance packages:
FAQ: Your questions & answers about travel insurance
General information on travel insurance
It protects against high costs in the event of cancellation, curtailment, illness or emergencies, provided there is an insured reason, and provides financial security during your trip.
Yes, HanseMerkur's tariffs apply worldwide.
Credit card insurance often only covers travel risks to a limited extent and usually provides for an excess. Stand-alone travel insurance generally offers more comprehensive cover for insured events and can be tailored to the individual trip.
Travel insurance only applies if there is an insured reason. For example, existing illnesses without unexpected aggravation are not covered. We will be happy to advise you personally on the appropriate benefits or provide you with detailed information in the insurance conditions.
Conclusion & deadlines
Travel cancellation insurance must be taken out no later than 30 days before the start of the trip, or by the 3rd working day after booking in the case of bookings made at short notice. All other travel insurance services can be booked until immediately before departure.
Cover begins immediately after the contract is concluded - in the case of cancellation insurance from the following day.
Yes, as long as the deadlines are met: Travel cancellation insurance must be taken out no later than 30 days before the start of the trip, or by the 3rd working day after booking in the case of bookings at short notice. All other travel insurance services can be booked until immediately before departure.
Trip cancellation & trip interruption
The insurance covers unexpected events such as serious illness, an accident, a death in the immediate family or other unforeseeable reasons that make your trip impossible. The travel insurance then covers cancellation or curtailment costs in accordance with the tariff.
Yes, if there is an insured cause, necessary rebooking costs can also be reimbursed. The prerequisite is that the change results from a recognized reason for cancellation or interruption.
All persons who have booked a trip together and are covered by the same travel insurance contract are also insured. In addition, close relatives (e.g. partner, parents, children) are also insured if their unexpected illness or emergency makes your trip impossible.
Health & medical cover (premium cover only)
Premium cover includes full international health insurance. It covers outpatient and inpatient treatment, prescribed medication and medically appropriate repatriation.
Yes, with premium cover you are insured as a private patient, so that medically necessary treatment is also reimbursed in private facilities.
Luggage & property (premium cover only)
Yes, premium cover insures loss, theft and damage to luggage up to the agreed amount.
Yes, with premium cover you will receive compensation for necessary replacement purchases in line with the tariff.
Yes, theft of luggage is included in the premium cover.
Up to the collectively agreed upper limit.