cancellation insurance for travel groups

This cancellation insurance for travel groups is applicable to all kinds of trips. It is possible to insure both only cancellation before departure and cancellation before departure as well as interruption of your journey due to an insured event - e.g.:

  • unexpected severe illness
  • unemployment or reemployment
  • essential damage to properties
  • failed moving up (if the insured journey was a school trip)
  • illness or death of a fellow traveller or relative

Travel group = at least 10 persons travelling together (same travel data, travel plan, booking) It ist not required that all members of a group are insured as long as at least 10 members are insured.

Please see "benefits" (below) for a detailed list of insured events in case of cancellation or interruption of a trip. The correct premium depends on the sum of all travel prices of your travel booking.

This cancellation insurance includes a deductible of 20 % of cancellation costs, if cancellation or interruption became necessary because of illness treated only outpatient. If cancellation became necessary because of any other insured event (also: illness treated in-patient): no deductible. If you prefer travel insurance without any deductible, please choose this product.

cancellation & interruption insurance (travel groups)
travel price per person up to: cancellation cancellation & interruption
single person group guide single person group guide
10,000 € 2.5 % 2.5 % 2.9 % 2.9 %
30,000 € 2.5 % 2.5 % 2.9 % 2.9 %
If a group tour had to be cancelled in case the tour guide (group leader) would cancel his trip, please book as follows: First make your booking as usual for each group member each according to the travel price per person. Than add another booking only for the tour guide according to the complete travel price of the whole group. Only in case of both bookings both cancellation of single group members and full cancellation of the group tour would be insured.
application of product

You will easily find the right premium for your journey by taking these hints:

  • This travel insurance for travel groups is a cancellation insurance, which offers insurance coverage both before departure and during of your journey.
  • Definition of travel group: At least 10 persons travelling together (same travel data, travel plan, booking). It is not necessary that all group members have been insured by one policy, but it must be proved in the event of damage that all persons are members of the travel group.
  • It is applicable to any travel booking of all kinds with unlimited duration of stay (only cancellation insurance) or a maximum duration of 93 days (if also interruption insurance). Please note that there are separate premiums for cruises.
  • This travel cancellation & interruption insurance can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • There is no age limit.
  • The correct premium to insure your trip depends on the total travel price of your journey. If you have made several bookings with different service providers for your trip, please add up all prices to find the correct premium.
  • booking period: At any time until 30 days before departure. Within 3 working days, if travel booking was made 30 days or closer to departure
benefits

This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

A. cancellation before departure
benefits:

  • no deductible
  • refund of cancellation costs according to the service provider´s or tour operator´s cancellation conditions in case of cancellation before departure due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to delay of public transport of at least 2 hours and if you miss your booked and insured flight because of this delay.

insured events (reasons for cancellation):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €
  • unemployment due to compulsory redundancy (file for unemployment)
  • reemployment
  • (voluntary) job change
  • repeat examination at a university, college or school during of within 14 days after the insured journey time
  • failed moving up (if the insured journey was a school trip)
  • unexpected draft, reserve duty training exercise or civilian service
  • unexpected illness, accident or inability to take immunization of a dog also booked for the journey

B. full or partly interruption (break) of journey
benefits:

  • in case of premature break (termination): refund of additional costs for return travel as well as refund of travel price (100 % whithin first half of the trip, max. first 8 days; proportional when breaking later)
  • in case of interruption at your holiday resort: refund of travel services not used, additional costs for catching up a round trip or cruise
  • in case of late return travel: refund of additional costs for return travell
  • additional hotel costs (max. 2,500 €, max. 10 days), if a fellow traveller is not transportable due to accident or illness and therefore unable to travel back as scheduled 

insured events (full or partly interruption / break):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €

valid for A + B:
deductible: If cancellation becomes necessary because of illness treated only outpatient, there is a deductible of 20 % (25 € at least). If cancellation becomes necessary because of any other insured event (also: illness treated in-patient): no deductible.

pre-existing conditions: If an illness is already existing at the time of insurance booking, insurance coverage also for this illness is only given, if this illness hasn´t been medically treated due to acute medical conditions within 6 months before insurance booking (routine examination unconsidered ).

co-insured relatives:
Cancellation of your ticket also is insured, if you have to cancel due to one of these insured events occuring to your relatives: unexpected severe illness, death, accident, unability to take immunization, pregnancy, fracture of prostheses.

relatives: spouses, partner of a cohabitation, children, adopted children, stepchildren, fostered children, parents, adoptive parents, step-parents, foster-parents, grandparents, brothers, sisters, grandchildren, parents-in-law, sons-in-law, daughters-in-law, brothers-in-law. Additionally, but only in case of death: aunts, uncles, nephews, nieces.

fellow travellers:

  • Up to 4 persons travelling together are insured between themselves - whether or not they related to each other.
  • In case of more than 4 persons travelling together, only relatives are insured among each other.
how to make a claim (travel cancellation insurance)

Please consider the following information in the event of damage:

travel cancellation insurance

  • In the insured event, please make your cancellation at the airline, travel agency or tour operator without undue delay in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
  • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your incapability to travel. There is no insurance coverage, if you first cancelled your booking and then visited a doctor later on.

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

  • all original booking and cancellation document
  • the doctor´s documents showing diagnose and dates of treatment (illness)
  • death certificate in the event of death
  • in the event of unemployment: written compulsory redundancy and file for unemployment benefit
  • in the event of reemployment: written confirmation of the employer stating the start of the employment contract
  • in the event of (voluntary) job change: written statements of old and new employer also stating the employment probation
  • in the event of repeat examination: written confirmation of the university, college or school stating the failed examination as well as date of repeat examination
  • in the event of draft, reserve duty training or civilian service: written confirmation of the authority

damage notice:

contact data of insurer:

  • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
how to make a claim (full or partly interruption / break of journey)

Please consider the following information in the event of damage:

travel interruption (break) insurance (cancellation after departure)

  • Depending on kind of damage event, various costs can be refunded: additional costs for return travel in case of premature or late return travel, refund of travel services not used due to an interruption of your journey, refund of travel price.
  • Please make your cancellation at the service provider, travel agency or tour operator without undue delay in the insured event in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
  • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your uncapability to travel. There is no insurance coverage, if you first cancelled your booking and then visited a doctor later on.
  • In case of premature or late return travel due to an insured event we recommend to contact your travel agency, tour operator or insurer HanseMerkur to agree the neccassary steps to do and to make any possible changes in bookings comfortable for you.

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

  • all original booking and cancellation document
  • the doctor´s documents showing diagnose and dates of treatment (illness)
  • death certificate in the event of death

damage notice:

contact data of insurer:

  • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg