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.