Travel Insurance

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Travel Accident & Liability Insurance

Young Travellers accident & liability insurance e.g. for students, work&travel, internship, backpacker, au-pair, language school or adventure trips abroad.

Benefits accident insurance:

  • death 5,000 €
  • disability up to 50,000 €
  • cosmetic surgery up to 3,000 €


Benefits liability insurance:

  • insured sum 1 million €
  • coverage for au-pairs included
  • damage to rental objects & to household of homestay familiy up to 1,000 €
  • replacement of locks due to loss of keys up to 5,000 €
  • in case of stays in Germany: deportation costs up to 2,000 €

Benefits Travel Accident Insurance Young Travellers
Scope: temporary stays abroad (max. 24 months) as well as stays in Germany (Schengen).
Policyholder is anyone who´s permanent place of residence or company domicile is Germany or another member state of the European Union (home country). Insured persons are all persons mentioned by name in the insurance policy. Policyholder and insured persons must not be identical. (Please contact us, if your permanent place of residence is not an EU member state.)
Begin of insurance cover: Your accident insurance begins with the start of your insured stay (departure from home country). End of insurance cover: Your accident insurance ends on expiration of the insured period or earlier if you have finished your insured stay (return to home country) earlier than planned.
Newborns: Children born during your insured stay abroad will be covered with retroactive effect from their birthday by "Young Travellers" insurance tariffs, provided that at least one parent has been covered too by "Young Travellers" insurance tariffs on the child´s birthday and that your application for covering your newborn was made within 2 months after the day of birth.
Insured sums: (1) death: 5,000 €, (2) disability: up to 50,000 €, (3) cosmetic surgery due to an accident: up to 3,000 €
Deductible: no
Insured benefits:
Assistance and payments agreed up to the insured sums, if you met with an accident during your insured stay leading to your death or permanent disability or to cosmetic surgery.
Death: Insured benefits will be paid out to your heirs or to your beneficiaries.
Disability: Accidential and permanent impairment to your physical or mental capabilites forseen to last longer than 3 years. Your disability must, within 15 months after the accident occured, be confimed in writing by a doctor and reported to the insurer.
Cosmetic surgery: Assumption of costs of doctor´s fees, medicines, bandages or other materials prescribed by a doctor, hospitalisation and care in the hospital, tooth treatment and replacement provided that you have lost your incisors or molars due to an accident.
Insured events:
Accident during your insured stay leading to death, disability or cosmetic surgery.
An accident has occured if you suffer involuntary damage to your health as a result of an event which suddenly impinges on your body from outside. An acccident has also occured if, due to increased effort one of your joints is dislocated or your muscles, ligaments, tendons or capsules are strained or torn. The following are also accidents: (1) sudden health impact in lawful defence or an attempt to rescue people, animals or things, (2) health impact due to typical diving accidents, (3) infections due to a tick bite, (4) rabies and (5) lockjaw.
Insurance cover in your home country in case of interruption of your stay abroad:
(interruption = temporary return to your home country and resumption of your trip not later than 8 weeks and within the insured period)
8 weeks cover per insurance year in case of single or multiple interruption. Benefits according to terms & conditions of your insurance booked.
Please note:
This overview is a packed description of insured benefits. Contractual basis of your insurance cover are terms & conditions provided when you have booked your insurance policy.
Benefits Travel Liability Insurance Young Travellers
Scope: temporary stays abroad (max. 24 months) as well as stays in Germany (Schengen).
Policyholder is anyone who´s permanent place of residence or company domicile is Germany or another member state of the European Union (home country). Insured persons are all persons mentioned by name in the insurance policy. Policyholder and insured persons must not be identical. (Please contact us, if your permanent place of residence is not an EU member state.)
Begin of insurance cover: Your liability insurance begins with the start of your insured stay (departure from home country). End of insurance cover: Your liability insurance ends on expiration of the insured period or earlier if you have finished your insured stay (return to home country) earlier than planned.
Newborns: Children born during your insured stay abroad will be covered with retroactive effect from their birthday by "Young Travellers" insurance tariffs, provided that at least one parent has been covered too by "Young Travellers" insurance tariffs on the child´s birthday and that your application for covering your newborn was made within 2 months after the day of birth.
Insured sums: (1) damage to persons & property: 1 million €, (2) damage to rented accommodations: up to 1,000 €, (3) exchange of locks due to loss of keys: up to 5,000 €, (4) deportation costs in case of stays in Germany: up to 2,000 €
Deductible: no
Insured benefits:
Evaluating the cause of liability
Defense against unjustified claims including assumption of costs of proceedings
Payment of justified damages
in case of stays in Germany: Payment of deportation costs charged to your host family due to your deportation being ordered by authorties. A condition is that (1) your host familiy can prove the amount of the claims for deportation costs, (2) the deportation must be ordered within the insured period and (3) you legally reside in Germany.
Insured events:
A claims made against you due to personal injury or property damage to a third party obliging you due to statutory liability provisions for payment of damages in regards to civil law.
The insured event is the event leading to the claim, which caused direct damage to the third party.
Insurance cover in your home country in case of interruption of your stay abroad:
(interruption = temporary return to your home country and resumption of your trip not later than 8 weeks and within the insured period)
8 weeks cover per insurance year in case of single or multiple interruption. Benefits according to terms & conditions of your insurance booked.
Please note:
This overview is a packed description of insured benefits. Contractual basis of your insurance cover are terms & conditions provided when you have booked your insurance policy.

Premiums for all trips worldwide

Accident & Liability Insurance Young Travellers
worldwide up to 24 months - no deductible
Premium is applicable to all kinds of stay abroad.
Premium:0 - 55 years / premium per month
1 - 24 months9 €
Insured sums accident insurance:
death 5,000 €
disability 50,000 €
cosmetic surgery due to an accident 3,000 €
Insured sums liability insurance:
per claim (damage to persons & property) 1 million €
damage to rental objects and household of homestay familiy up to 1,000 €
replacement of locks due to loss of keys up to 5,000 €
coverage for au-pairs included
in case of stay in Germany: deportation costs up to 2,000 €
Explanations:
Refund of premiums: All premiums per person and per insured period. In case of premature return back home, your policy will be terminated by the end of the last travel month, resulting in a refund of remaining premiums.
Young Travellers Bonus: If your trip terminates during the first 3 days of a travel month, no additional premium will be charged for that month! This bonus automatically will be considered and allowed during booking process. Example: Travel period 01.01.-03.06. = only 5 months will be paid.
Booking term: At any time before departure from your home country (begin of your trip).
Age limits: Your age on the day of taking out your policy is defining your premium.

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