Multi-Trip insurance package Gold

Multi-Trip insurance package (no health insurance)

Multi-Trip travel insurance package of HanseMerkur Reiseversicherung for several trips of up to 56 Tage each per year. No deductible!

  • cancellation cost insurance
  • travel interruption insurance
  • travel emergency insurance
  • travel luggage insurance

For single persons, families and couples with permanent residence in Germany.

multi-trip insurance package Gold (worldwide) trips up to 56 days
price per trip:
single person
family / couple
up to 65 years
from 65 years
up to 65 years from 65 years
1,000 € 75 € 145 € not available
2,000 € 95 € 175 € 135 € 195 €
4,000 € 185 € 225 € 185 € 265 €
6,000 € 225 € 295 € 225 € 325 €
10,000 € 335 € 375 € 335 € 425 €

higher travel prices:
If the price of a trip exceeds 2,000 € (single person) or 5,000 € (families), please make an additional booking for travel cancellation insurance in the amount of the remaining difference. In total your trip will be fully insured that way.

definition of family:

  • max. 2 adults + children up to 21 years of age living in a joint household
  • 2 adults without children, living in a joint household

Members of the family travelling alone are insured with 50 % of the insurance sum of their familiy policy.

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).
Benefits travel interruption insurance
insured benefits:
refund of additional costs for homeward journey
refund of travel services not used in case of interruption of the journey
refund of the travel price in case of premature end of the journey: 100 % of the insured travel price in case of interruption during the first half of the trip (max. first 8 days). Partly refund of travel services not used in case of interruption during the second half of the trip (9th day at the latest).
refund of costs for follow-up travel in case of interruption of the journey (round trip or cruise) up to the amount of the remaining travel services not used
no deductible
insured events for insured persons or additional persons at risk:
unexpected and severe illness
death
serious accidential injury
pregnancy
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
considerable damage to the property 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
unexpected summons
missing a connecting means of transport as a result of delay (at least 2 hours) or cancellation of a public transport service or feeder flights within Germany
prolongation of the journey as a result of natural desaster or elementary event at the destination
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).
Benefits Travel Emergency Insurance
Benefits in case of illnes, accident or death within Germany:
in case of travel inside Germany: organisation and refund of costs (max. 2,500 €) of a return transport to the place of permanant residence in case of an in-patient hospital stay of at least 5 days
costs of search, rescue or salvation up to 5,000 €
compensation for additionally required costs incurred as a result of the demise of an insured person due to transporting the deceased to their permanent residence
compensation for the costs of a funeral at the destination up to the amount that would have been incurred for a transport home
Benefits in the event of premature termination or delayed return
organisation of a return journey
loan for additional travel costs in case of death, severe accident or unexpected illnes of you, your fellow travellers or not travelling relatives at home
loan up to 10,000 € in case of abduction of you or your fellow travellers
Organisation of a travel call
Benefits in case of criminal proceedings:
assistance in obtaining a lawyer and/or interpreter
loan for costs of court, lawyer or interpreter up to 3,000 €
loan for bail up to 15,000 €
Benefits in case of loss of means of payment or documents:
establishing contact to the own bank and assistance in transferring an amount made available by the bank to the insured person
loan in case of loss of means of payment up to 500 €
assistance in blocking of credit cards, EC- or Maestro cards
assistance in procuring replacement identity documents and refund of costs thereof
assistance in case of loss of travel documents
Guardian Angel for your home:
organisation of a trip home and back to the destination in case of interruption of the trip due to substantial damage (2,500 € at least) to your property at home by fire, water-pipe burst, elementary event oder criminal act. Refund of costs for neccessary repairs up to 500 €.
Bicycle protection:
refund of repair costs or additional travel costs in case of break-downs up to 75 €
refund of additional travel costs in case of theft up to 250 €
Benefits in case of booking changes or delays:
assistance in rebooking a transport service in case of delay or cancellation
on request: information of third parties of changes to the planned travel itinerary
Benefits Travel Luggage Insurance
insured events:
damage to, destruction or loss of luggage handed over for safekeeping
exceedance of the delivery deadline for luggage at the destination (delivery not on the day of your arrival at the destination)
criminal act by third parties (theft, burglary, robbery, blackmail, criminal damage)
damage in the case of transport accidents
damage caused by fire, thunderbolt, explosion, storm, flood, landslide, earthquake or avalanche
insured benefits:
refund of the present value at the time the damage was caused
refund of neccessary repair costs for damaged items
film-, video-, audio- and data carrier: refund of value of raw materials
refund of official fees for identity cards, passport, vehicle documents
insured sums (if no upgrade was booked):
single persons 2,000 €
families 4,000 €
limitations (maximum refund for items listed below):
valuable items 50 %
golfing and diving equipment, bicycles incl. accessories 750 €
wave boards and windsurfing equipment incl. accessories 500 €
musical instruments incl. accessories (carried for private purposes) 250 €
glases, contact lenses, hearing aids 250 €
purchase of neccessary replacements 500 €
deductible:
no deductible
insured items:
travel luggage: personal travel necessities taken on the trip, as well as gifts and souvenirs acquired during the trip. Items that are normally intended only for professional purposes taken on or acquired during the trip are not insured. The present value of the items is insured.
Sports equipment incl. accessories (excluded: motors) is only insured as long as it is not being used within the scope of intended use.
Valuable items within the meaning of this provisions are furs, jewellery, items made of precious metals, photographic and film equipment, portable video systems, laptops and other electronic devices as well as mobile phones incl. accessories.
not insured items:
cash, cheques, cheques cards, credit cards, telephone cards, securities, tickets, certificates and documents of all kinds, items with very high artistic or sentimental value, dental gold, protheses of any kind, fire arms of any kind, land-, air- and water craft, hang-gliders, paragliding equipment, parachutes incl. accessories
coverage:
Insurence coverage is given worldwide, leaving the place of permanent residence (begin of journey) until return back to the place of permanent residence (end of journey). Rides, walks and stays at the place of permanent residence are not considered as journeys. Travelling by car: If the luggage is not being unloaded immediately after arrival at home, insurance coverage ends at the time of arrival.