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).

luggage insurance:

• no deductible
• insurance coverage for personal baggage at its time value during your journey
• insurance coverage during the entire journey (leaving the permanent residence until return back
• checked-in baggage, stored baggage (e.g. airline, ship, hotel) insured against loss, damage, destruction during that time
• during the remaining travel time personal baggage is insured against damage, destruction by criminal act, means of transport accident, fire, thunderbolt, explosion, storm, flood, landslide, earthquake, avalanche
• non-delivery of baggage at destination (at least 1 night later): purchase of neccessary items (except valuable articles) up to 500 €
• also insured: laptop, photo & film equipment, mobile phones, portable DVD player (only hardware)
• also insured: souvenirs, presents purchased during the trip
• also insured: sports equipment (if not in intended use)
• valuable baggage (laptop, photo & film equipment, mobile phones, portable DVD player, jewellery) is only insured, if it was in personal safekeeping or locked up in a room or hotel safe
• not insured: cash, prepaid cards, cheques, credit cards, identity cards, documents, certificates, art objects, dental gold
• baggage in motor vehicles and watercrafts: valuable baggage is not insured; remaining baggage insured from 6 to 22 h of during stops of max. 2 hours; during the remaining time, if invisibly locked up in a boot or cabin
• baggage on official camping sites: insurance coverage only from 6 to 22 h in case of theft or robbery, if stored in a locked tent (excluded valuable baggage, if not in personal selfkeeping)

emergency insurance:

• no deductible
• search, salvage and rescue costs up to 5,000 €
• in-patient stay: compensation of hotel costs (max. 2,500 €, max. 10 days) for fellow travellers of the insured person, if the journey is a round trip or cruise or if the stay abroad must be prolonged because the insured person can not be transported due to medical reasons    
• if a stay in hospital exceeds 5 days and is not yet finished: traveling costs (outward and return journey) for an on-site visit of 1 related person      
• organization of repatriation to the home country of the insured person or funeral abroad (only organization costs)     
• organization of the return transport to the home country in case of death, accident or severe illness of the insured person, fellow travellers or relatives (only organization costs, full coverage of costs for medically reasonable return transport is a benefit only of the health insurance)
• kidnapping of the insured person or a fellow traveller: loan up to 10,000 €
• care for under-aged children having to continue or break the journey due to accompanying persons having suffered death, accident or severe illness      
• assistance to find a lawyer abroad as well as loan (max. 3,000 €) for lawyer, court and/or interpreter   
• assistance and costs of replacement of stolen or lost identification documents abroad      
• assistance in blocking of credit cards or debit cards

accident insurance:

• no excess
• payment of an indemnity in case of death or invalidity as a result of an accident during the journey
• search, salvage and rescue costs, transport of the insured person to hospital or to place of permanent residence (if ordered by a doctor, up to the amount insured)
• also insured: passengers of an airplane crash and sports accidents (except  of parachuting/skydiving, training and participation in motor vehicle events)
• also insured: office job, teaching, administration, tour guide

private liability insurance:

• private liability damage claims against insured persons
• requirement: damage event during the journey resulting in death, injury, poor health (personal damage) or destruction of goods (property damage)
• also insured: loss of foreign house keys (eg. homestay family) up to 250 € (no keys for safe, furniture or motor vehicles)
• also insured: damage to movable items of homestay families (max. 2,500 €)
• excluded: any damage related to keeping, driving or owning a motor vehicle (private travel liability insurance is not a third-party vehicle insurance)
• deductible only in case of damage to rented rooms (10 %, minimum 125 €), loss of keys (20 %, minimum 50 €), home of homestay family (10 %, minimum 150 €)