Multi-Trip cancellation cost insurance

Multi-Trip Cancellation Cost Insurance

Insurance coverage for all trips during the insured year:

  • unlimited number of trips of any duration
  • worldwide, no deductible, for single persons, families and couples
  • travel bookings already existing, if insurance booking is made within 30 days after travel booking (travel booking not longer than 30 days before departure: insurance booking with 3 days)
  • automatic prolongation, if no cancellation of your policy takes place

For persons with permanent residence in Germany. HanseMerkur Reiseversicherung

Multi-Trip cancellation cost insurance (worldwide)
price per trip:
single person
family / couple
up to 65 years
from 65 years up to 65 years from 65 years
1,000 € 49 € 119 € not available
2,000 € 59 € 139 € 99 € 169 €
4,000 € 129 € 179 € 139 € 225 €
6,000 € 159 € 249 € 179 € 275 €
10,000 € 259 € 329 € 289 € 369 €

höhere Reisepreise im Einzelfall:
Übersteigt der Reisepreis einer Reise die Versicherungssumme der Jahresversicherung, kann dieser versichert werden, indem zusätzlich zum bestehenden Jahresschutz für die betroffene Reise die Reiserücktrittskosten-Versicherung für Einzelreisen in Höhe der fehlenden Differenz gebucht wird.

Definition Familie:

  • maximal 2 Erwachsene + Kinder bis zum vollendeten 21. Lebensjahr, die in einem gemeinsamen Haushalt leben sowie
  • 2 Erwachsene ohne Kinder, die in häuslicher Gemeinschaft leben

Für allein reisende Familienmitglieder beträgt die Versicherungssumme 50 % der vereinbarten Familien-Versicherungssumme.

Benefits Multi-Trip cancellation cost insurance
insured benefits:
refund of contractually owed cancellation costs (incl. an agency fee of up to 100 €, which was owed, invoiced and included in the insured sum)
refund of additional outward journey costs in case of a delayed start of the trip (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
refund of costs for rebooking the trip in case of an insured event (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
refund of costs for rebooking the trip because of any other reason up to 42 days before departure (max. 30 €)
refund of a single room supplement in case of an insured event leading to the cancellation of an insured fellow traveller (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
no deductible
insured events:
unexpected and severe illness
death
serious accidential injury
complications in an existing pregnancy or determination of pregnancy after the commencement of the insurance
intolerance to a vaccination
breakage or loosening of implanted joints
information on a fixed date of an organ donation or organ transplantation according to the German law on organ transplantations
job loss followed by unemployment as a result of an unexpected
business-related termination of employment by the employer.
assumption of a job subject to social insurance or an activity with
compensation for additional costs ("1-Euro job") from a state of unemployment. Not insured: traineeships, internal trainings as well as employment of school children or students during or after their school or university time.
short-time work that is necessary due to the economic situation with
an expected reduction in income of at least the amount of a regular
monthly net pay
(voluntary) change of job, whereby the insured trip or rental falls in the probationary period, but as a maximum in the first 6 months of a new job
considerable damage to the property (at least 2,500 €) as a result of fire, water-mains burst, elementary event or criminal act by a third party
adoption of an underagend child, if your personal appearance is neccessary during the planned travel time
resit of a failed examination falling in the planned travel time or up to 14 days after end of the planned trip in order to avoid extension of the time spent at school or university or to successfully complete a course
failure to move up into the next year (if a school or class trip was booked)
unexpected summons
unexpected to do basic military service, duty training or civil service
missing a connecting means of transport as a result of delay (at least 2 hours) or cancellation of a public transport service
unexpected severe illness or death of a dog or cat registered to travel with you
additional persons at risk:
insured persons who have booked and insured a trip together (up to 6 persons; in case of more than 6 persons (family premiums: 2 families) travelling together only relatives are insured together)
relatives not taking part in the journey: spouses, life partners, children, parents, adoptive children, adoptive parents, step-children, step-parents, foster children, foster parents, grandparents, siblings, grandchildren, parents-in-law, children-in-law, siblings-in-law, aunts, uncles, nephews, nieces)
persons looking after minor-age or care-dependant relatives of an insured persons
pre-existing conditions:
No insurance coverage for pre-existing conditions which have been treated medically within the past 6 months before booking of the insurance policy (check-ups excluded).

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
  • in the event of first-time and full-time employment contract after end of study or school: written statements of the employer also stating the employment probation
  • in the event of unexpected written revocation of a confirmed semester, traineeship or seminar abroad: written confirmation and revocation issued by the responsible organization

damage notice:

contact data of insurer:

  • 24 h emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg