HanseMerkur Travel Insurance

In general, we encourage travelers to select our insurance packages when they are booking their trip.

If you did not book insurance with your trip and now would like to do so, please contact your Travel Specialist. Generally speaking, keep the following deadlines in mind:

Cancelation and Full Protection can be booked up to 30 days before the start of your reservation. Travel Companion can be booked at any time before the start of your reservation.

Of course, you can also add optional services to your trip after booking. If necessary, the insurance premium will be adjusted to the new travel price and you will be billed for the difference.

Yes, because your fellow passengers are among the "risk persons." You can cancel the trip free of charge if one of your fellow passengers falls ill. Separate bookings with individual booking numbers are also possible as long as the travel period is identical. NOTE: This rule is limited to a maximum of 6 people from 2 households!

Cancelations due to force majeure (e.g., war) or travel warnings are an insured event. However, this is not a problem for you. We will cancel the trip if we cannot guarantee that we can carry out all services, or if we believe that your safety is at risk.

Only the services booked through us are insured. If you book your flights separately, it is best to take out insurance with the airline at the time of your booking.

If something happens during the trip, you generally don't have to pay in advance. Hospitals and doctors can issue a declaration of cost coverage. In some cases and destinations, however, you may have to pay out of pocket for certain procedures and medications.

If you paid anything in advance, you can always submit the bill to HanseMerkur after the trip to receive a refund. This applies to all packages containing health insurance (e.g., Full Protection and Travel Companion).

If you cancel your trip for an uninsured reason, HanseMerkur will reimburse part of the insurance price depending on how close we are to the departure date.

We recommend customers to carefully study the terms and conditions of their credit card insurance before their trip. This insurance coverage is often insufficient. For example:

• Typically, only cardholders themselves are insured.
• In many cases, this insurance is only active if the responsible insurer is informed of the travel destination and duration before the trip.
• In addition, the insurance included in credit cards frequently includes basic services only.
• Travel is often insured up to a certain travel price (e.g., €2,500); this means that clients have no insurance for more expensive trips.
• Many credit card insurance companies tend to have high deductibles (i.e., your out-of-pocket expenses are higher).