travel cancellation insurance

travel cancellation insurance (no deductible)

Applicable to all kinds of travel bookings of any duration of your journey. Insurance coverage for cancellation of your trip before departure - e.g. due to:

  • unexpected severe illness
  • unemployment or reimployment
  • refusal of a visa or theft of travel documents
  • repeat examination
  • revocation of a confirmed semester, traineeship or seminar abroad
  • illness or death of a fellow traveller or relative

For all information on insured events and benefits please see "benefits" below. The premium depends on the total of your travel price. STAY Travel Insurance - a product of HanseMerkur Reiseversicherung

Cancellation Cost Insurance worldwide
travel price up to: premium per person premium per family
100 € 9 € not available
250 € 18 € not available
500 € 33 € 32 €
750 € 39 € 41 €
1,000 € 47 € 50 €
1,500 € 59 € 62 €
2,000 € 68 € 71 €
2,500 € 89 € 98 €
3,000 € 113 € 131 €
10,000 € 4.3 % 4.5 %
20,000 € 4.7 % 4.9 %

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

  • The travel cancellation insurance is a cancellation insurance for all kinds of trips (flight, ship, coach, package tours etc.).
  • It is applicable to any travel booking of all kinds and any duration of your journey.
  • It is not required to be a student. The STA Travel travel cancellation 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 cancellation costs 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 for insured persons or additional persons at risk:
unexpected and severe illness
serious accidential injury
complications in an existing pregnancy or determination of pregnancy after the commencement of the insurance
intolerance to a vaccination
breach or loosening of implanted joints
job loss followed by unemployment as a result of an unexpected
business-related termination of employment by the employer
employment for a job subject to social insurance or an activity with
compensation for additional costs ("1-Euro job") from a state of unemployment
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 as a result of fire, water-mains burst, elementary event or criminal act by a third party
insured events only for insured persons:
chronic or existing conditions becoming acute, provided that ability to travel was confirmed by the treatening physician upon conclusion of the insurance
unexpected cancellation of a study, internship, course of research place abroad by the involved organisation, provided that it was fixed in writing upon conclusion of the insurance
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 movement of an examination date that was set in writing upon conclusion of the trip and before the conclusion of the insurance in the home country by the school/university and which now falls during the travel time
assuming full-time employment with a minimum contractual duration of 12 months within 3 months of finishing your degree or school education (conditions: the insured person was not pursuing a similar
professional activity upon conclusion of the insurance contract or has not worked for this employer in the last 12 months)
unexpected summons
petition for divorce (in the event of amicable split, the corresponding application) being filed with the responsible court immediately before a joint trip between the affected spouses
dissolution of the living situation with your life partner (in place for at least 6 months) before a joint trip (solemn declaration on the part of the affected life partners required)
refusal by the responsible representative body (embassy, consulate) in the country of travel to issue a visa (condition: visa application was submitted through a professional agency or must have been made online)
stay abroad unexpectedly being called off by the host parents (condition: stay was confirmed in writing upon conclusion of the insurance
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
theft of travel documents required for the outward journey provided that copies of the documents cannot be obtained until departure
cancellation of transport service (means of transport booked or planned to reach the main destination has been cancelled or impaired due to an external incident that was not influenced by the insured person within a week of the start of the trip
danger to your physical safety at the destination as a result of incidents leading to the release of a travel warning by the Federal Office of the Federal Republic of Germany
unexpected severe illness or death of a dog registered to travel with you
additional persons at risk:
insured persons who have booked and insured a trip together (up to 5 persons; in case of more than 5 persons 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 (additionally and only in case of death: aunts, uncles, nephews, nieces)
persons looking after minor-age or care-dependant relatives of an insured persons
another close person, who must be specified upon conclusion of the insurance
pre-existing conditions:
Existing conditions are insured, if they become acute unexpectedly. Illnesses related to heart conditions, strokes, cancer, diabetes (Typ 1), epilepsy, multiple sklerosis are not insured to the extent, that these were treated with in-patient treatment in the 12 months preceeding conclusion of the insurance. Check-ups are 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