Travel Health Insurance
Medical care secured anywhere in the world
Abroad, German public health insurance usually does not cover treatment costs, and in many countries a treatment or hospital stay can become very expensive. Our travel health insurance protects you and your family worldwide against unexpected medical costs during vacations or business trips.
Benefits of this insurance
Doctor, dental and hospital costs covered with no upper limit.
Return transport to Germany for medical reasons, including rescue when needed.
Insure the whole family with an annual policy valid for an unlimited number of trips.
What is covered
Outpatient and inpatient treatment
Covers doctor fees, medication, treatments and necessary hospital stays during the trip.
Acute dental treatment
Covers acute dental treatment needed during the trip, up to the limit set out in the terms.
Medically necessary repatriation
Organizes and finances return transport to Germany when medically advisable or required.
Rescue and search
Covers rescue costs in the event of an accident during leisure activities such as hiking or mountain sports.
Pregnancy and acute pre-existing conditions
Covers acute complications of pre-existing conditions and pregnancy up to week 36, provided the trip was not booked with treatment already planned.
What is not covered
Treatments foreseeable before the trip
Treatments that were already foreseeable or planned before the start of the trip are not covered.
Routine check-ups
Preventive medical check-ups without acute need are not part of the coverage.
Trips for medical purposes
Trips undertaken with the main purpose of receiving medical treatment abroad are excluded.
Real claim examples
Appendicitis during vacation
While on vacation in Thailand, Julia suffers severe abdominal pain and undergoes emergency surgery for appendicitis at a private hospital. The insurance covers the surgery and hospital stay.
Ski accident with repatriation
Marco breaks his leg while skiing in Austria and needs to be flown back to Germany by air ambulance. The insurance organizes and pays for the repatriation.
Dental emergency abroad
During a business trip, Sofía breaks a tooth and needs urgent treatment. The insurance covers the emergency dental treatment.
Frequently asked questions
Why do I need travel health insurance if I have German public health insurance?
Because German public health insurance usually does not cover, or only partially covers, treatment costs outside the EU, and even within the EU often not at the level of private care.
Up to what age can I take out this insurance?
The plan is available to people up to a certain age at the time of signing; check the current terms for the exact limit.
Does it cover long-term trips?
Yes, there are specific plans for extended stays abroad in addition to standard coverage for trips of up to several weeks.
What happens if I already have a pre-existing condition?
Acute, unforeseeable complications of pre-existing conditions are covered, unless the trip was undertaken with treatment already intended.
Does the insurance cover the whole family?
Yes, you can take out a family plan that covers your partner and children under the same policy.
Traveling soon?
Tell us your destination and trip length and we will recommend the best health coverage.
Request free advice