Is travel insurance necessary?
The absolutely necessary insurance is the international health insurance, because the private health insurance often does not cover all costs already within Europe. All other travel insurances such as travel cancellation or luggage insurance are intended for travellers who want to be covered in case of emergency.
How does travel insurance work?
By taking out a travel insurance policy (by paying a premium) you receive insurance cover with which you are then insured for the contractually agreed risks when travelling. For example, travel cancellation insurance covers the cancellation costs if you are unable to take your holiday trip with booked flight and hotel due to illness. Other typical travel insurances are: International health insurance (absolutely necessary), travel interruption insurance, luggage insurance
We offer all travel insurances for individuals as well as for group travels with powerful rates for best insurance protection.
Where can I take out travel cancellation insurance?
There are many ways to take out travel cancellation insurance, often this is also offered when booking a flight. However, these are often not powerful tariffs that apply, for example, only for the flight, but not for the hotel.
For this reason, we recommend the travel cancellation insurance with an insurance broker or an insurance company to conclude, which offer a more comprehensive protection and powerful tariffs.
Is cancellation / revocation of a travel cancellation insurance possible?
The travel cancellation insurance cannot be cancelled or revoked. The reason for this is that the insurance takes effect immediately upon conclusion of the contract. The insurance coverage of the travel cancellation insurance ends with the start of the trip. The insurance cannot be revoked even if the entire trip demonstrably does not take place. Travel cancellation insurance covers the financial consequences if you are unable to start a planned trip. Accordingly, the insurance period refers to the period before the trip. Upon receipt of the insurance policy, the insurer's part of the contract (assumption of the risk) is immediately considered fulfilled. Accordingly, the right of cancellation does not apply. For more information on the right of withdrawal, please refer to your insurance confirmation and our legal information: Legal Information - Bernhard Travel Insurance
When do you need travel insurance?
For trips within your own country, private health insurance is usually sufficient. When travelling abroad, a foreign health insurance should be taken out in any case, but also the foreign health insurance is like the other travel insurances not required by law. It is up to each traveller to decide which risk he wants to bear and which not.
When is travel insurance worthwhile?
Taking out travel cancellation insurance and/or travel interruption insurance is highly recommended for trips booked in advance and expensive with several participants (family/group).
For several trips per year, annual travel insurances (travel cancellation & international health insurance) are worthwhile.
When does travel insurance pay?
Different travel insurances cover different risk cases and pay in the specific case for which the respective insurance was taken out. To extend this protection, you can optionally take out additional insurances as part of the package.
Which travel insurance pays what?
International health insurance
In the event of illness during the trip, international health insurance covers medical and hospital costs for medical treatment, the cost of transporting you back to your home country, and repatriation in the event of death. This is particularly important for travel outside Europe. But also for travels in other European countries, e.g. if treatment is provided by private doctors or if there is no insurance card of the statutory health insurance. Info about health insurance abroad.
Travel cancellation insurance
The travel cancellation insurance pays for cancellation costs if you have to cancel your trip due to sudden illness, a family emergency or an accident as well as for other reasons before the start of the trip. Info: reasons for trip cancellation.
Trip interruption insurance
Thetrip interruption insurance covers additional costs for an early return trip as well as rebooking and other additional costs if you have to interrupt your already started trip due to an illness or an accident. Info: Trip interruption
Luggage insurance
Luggage insurance covers costs in the event of loss or damage to luggage. This concerns expenses for the replacement of the luggage as well as reimbursement of costs for replacement purchases. Information about luggage insurance.
Travel liability insurance
Travel liability insurance covers the costs of damage caused by you during a trip abroad (personal injury, property damage and financial loss). It can only be taken out as part of a package with other insurance policies - together with accident, legal expenses and optional luggage insurance.
How much does travel insurance cost?
You can take out international travel insurance with us as a single policy for just one trip or as a very affordable annual international health insurance for several trips per year.
Annual international health insurance for any number of trips up to 56 days per trip:
► from 9.90 euros per year for one person
► from 21,- Euro per year for families
► take out annual insurance
International health insurance as individual insurance for one trip:
► from 10,- Euro per person
► Take out individual insurance
What does travel insurance include?
The respective travel insurance offers the special protection for the respective risk case. The particularly important international health insurance is highly recommended for trips outside Europe. To extend this protection, you can optionally take out additional insurance in the event of travel cancellation and travel interruption as part of the package. Likewise, the liability insurance for personal injury, property damage and financial loss and the luggage insurance for the luggage carried on the trip.
Can I cancel a travel insurance policy?
Travel insurance booked for a single trip ends automatically after completion of the trip. If you want to cancel it before the trip, you must cancel the insurance in due time. Annual insurance policies are different; they are automatically extended by one year if they are not cancelled in due time.
Is travel insurance (cancellation) tax deductible?
No deductibility for private trips!
Insurance for private travel - including travel cancellation insurance - is in principle not deductible according to the law.
Deductibility for business trips
A travel cancellation insurance taken out for business trips and business trips due to professional travel reasons can be deducted as a business expense under incidental travel expenses.
