ARAG SE (Allgemeine Rechtsschutzversicherungs Aktiengesellschaft)
ARAG
ARAG is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Not explicitly stated in the available sources; the product operates on a cost-reimbursement basis typical of German travel health insurance.
Geographic scope
Worldwide, excluding the insured's country of permanent residence
Cover applies worldwide, wherever the customer has no permanent residence; excludes Germany and the country of permanent residence
Starting price
€15
Indicative — pricing assumptions not stated
Unique selling points
- 56 days of cover per trip, well above the roughly four weeks typically offered by private health insurers.
- 24/7 ARAG foreign-travel emergency hotline staffed by doctors and experts.
- 100% cost coverage for outpatient and inpatient treatment abroad with no deductible.
- Search and rescue costs covered up to €15,000.
- Fast, fully online quote and purchase process for singles or the whole family.
Coverage limits
Medical treatment costs abroad
Covered
100% of costs for outpatient and inpatient medical treatment are covered for the first 56 days of a foreign trip.
Emergency medical treatment
Covered
Emergency medical care abroad is covered at 100% of costs during the first 56 days of the trip.
Inpatient hospital treatment
Covered
Inpatient treatment, accommodation, surgery and related operation costs are covered at 100%.
Outpatient treatment
Covered
Outpatient medical treatment, medication, dressing/therapeutic aids and X-ray diagnostics are covered at 100%.
Emergency dental treatment
Covered
Covers provisional pain-relief measures after an accident, simple fillings, and repairs to dentures; does not include new dentures, crowns or orthodontics.
Medical transport
Covered
ARAG's Auslandsreisekrankenversicherung covers 100% of costs for medically sensible and reasonable medical repatriation (Rücktransport) from abroad for the first 56 days of the trip, with no separate cap stated for this benefit; organization of the transport (ambulance, helicopter or plane) is coordinated between the treating doctor abroad and an ARAG doctor. Search-and-rescue costs are covered separately up to EUR 15,000.
Medically necessary repatriation
Covered
Medically sensible and justifiable repatriation from abroad is covered by the insurance.
Repatriation of remains / burial abroad
€10,250
In case of death, repatriation to the home country or burial abroad is covered up to a maximum of €10,250.
Search and rescue costs
€15,000
Search and rescue operations are covered up to a maximum of €15,000.
Pre Existing Conditions
Conditional
ARAG's travel health insurance covers medically necessary treatment for an unexpected worsening of a pre-existing condition that occurs during the trip, but excludes costs where the need for treatment during the trip was already foreseeable at the start of the journey. The policy also explicitly excludes cover for planned medical treatments at the destination, including trips undertaken for the purpose of a planned operation.
Winter Sports Cover
Covered
ARAG's own experts explicitly recommend the Auslandsreisekrankenversicherung for ski trips abroad, since it covers the difference between local treatment tariffs and actual costs incurred as well as any necessary medical repatriation to Germany after a skiing accident; the policy's AVB do not list winter sports as an excluded activity for the health-cost/rücktransport benefit (unlike a standalone accident policy).
Adventure Sports Cover
Not established from the insurer's documents
No adventure/extreme-sport-specific exclusion list could be found in ARAG's own Auslandsreisekrankenversicherung terms; the publicly available AVB excerpts only exclude costs from intentionally self-inflicted accidents and planned treatments/operations at the destination, without naming individual risk or adventure sports. Industry sources note that standard German travel policies in general often exclude extreme sports, so confirmation from ARAG's full current AVB (not accessible via web search) would be needed to state a definitive included/excluded position for adventure sports specifically.
Pregnancy complications
No limit stated
Not addressed in the available sources for this specific product's terms.
Personal liability
No limit stated
Not part of this pure travel-medical product per the available sources.
Legal assistance
No limit stated
Not part of this pure travel-medical product per the available sources.
24/7 emergency assistance hotline
Covered
Experts and doctors are reachable around the clock via the 24/7 ARAG foreign travel emergency hotline.
Key conditions
Assistance call deadline
Not specified in the available sources.
Unauthorized treatment
Not specified in the available sources.
Purchase while abroad
Not specified in the available sources for this product.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Cover applies for the first 56 days of each foreign trip within the insurance year.
Policy specifics
Repatriation coverage
Coverage for medical repatriation to home country or nearest suitable hospital
SourceOutpatient treatment coverage
Medical treatment coverage includes physician care, medications, bandages, medical supplies, and X-ray diagnostics, at 100% of cost.
SourceInpatient hospital coverage
Coverage for hospital treatment, accommodation, surgical procedures, and related operation costs, at 100% of cost.
SourceGeographic coverage scope
Coverage applies worldwide for all foreign countries where policyholder has no permanent residence
SourcePlanned treatment exclusion
No coverage for planned or pre-arranged medical treatments at destination
SourceIntentional accident exclusion
No coverage for accident costs if intentionally caused by policyholder
SourceSpecial termination right on premium band change
Each time the premium changes due to the insured moving into a new age band, the policyholder has a special two-month right of termination.
SourceSources
- https://auslandskrankenversicherung24.org/anbieter/arag/
- https://www.arag-partnervertrieb.de/service/partnerinfo/krankenversicherung/der-neue-arag-reisekrankenschutz/
- https://www.arag-partnervertrieb.de/service/partnerinfo/krankenversicherung/neu-tarifrechner-fuer-die-auslandsreise-krankenversicherung/
- https://www.arag.de/reiseversicherung/
- https://www.arag.de/service/infos-und-news/rechtstipps-und-gerichtsurteile/sport-und-gesundheit/1473/
- https://www.reisepolice.com/uploads/media/reiseversicherung/arag/jahres-reisekrankenversicherung/rkj-rkjf/versicherungsbedingungen.pdfSource no longer reachable