AXA Travel insurance (Auslandsreise Krankenversicherung Are)
Underwritten by AXA Krankenversicherung AG · Germany
travel insurance from AXA for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2018-06Sources
Unique selling points
100% reimbursement of covered medical costs abroad with no cap ('ohne Höchstsatz') and no deductible, unlike products that apply per-claim limits or co-payments.
No exclusion for the USA or other high-cost destinations; a dedicated German-speaking partner network, EuroCare, supports treatment in the United States.
24-hour AXA Assistance emergency hotline for finding qualified treatment, direct billing support, and organizing medically necessary repatriations.
Long single-trip cover of up to 365 days, well beyond typical short-term travel policies.
Coverage limits
Medical expenses abroad
Not established from the insurer's documents
Reimbursement of expenses incurred abroad for medically necessary treatment of unforeseen illness or accident at 100% with no upper limit ('100% ohne Höchstsatz'), covering doctor's fees, medication, bandaging/healing aids, X-ray/radiation treatment, hospital treatment and transport to the nearest suitable hospital.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Ersatz der im Ausland entstandenen Aufwendungen zu 100 % ohne Höchstsatz für 1. ärztliche Behandlung einschließlich Arzt-Wegegebühren und Taxikosten zum Arzt, wenn am Aufenthaltsort kein Arzt praktiziert;
Emergency medical treatment
Not established from the insurer's documents
The policy covers medically necessary treatment of unforeseen (unvorhergesehene) illness or accident occurring abroad at 100% with no cap; AXA Assistance is available 24/7 to help find qualified medical care and organize treatment/hospitalization.
Section: Teil I: Allgemeine Bedingungen > § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Bei einem im Ausland unvorhersehbar eintretenden Versicherungsfall ersetzt er dort entstehende Aufwendungen für Heilbehandlung und erbringt sonst vereinbarte Leistungen.
Hospitalization
Not established from the insurer's documents
100% reimbursement of hospital treatment costs abroad with no upper limit. Alternatively, if no costs are claimed, a hospital daily allowance (Krankenhaustagegeld) of EUR 30.00 per day is paid instead.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Krankenhaustagegeld wird anstelle des Kostenersatzes bei stationärer Krankenhausbehandlung im Ausland geleistet, wenn insoweit keine Kosten geltend gemacht werden, in Höhe von täglich 30,00 Euro.
Outpatient treatment
Not established from the insurer's documents
100% reimbursement with no cap for medically necessary outpatient treatment abroad, including doctor's fees, prescribed medication, bandaging materials and certain prescribed therapeutic aids (baths, massages, physiotherapy, radiation treatment, crutches, etc.).
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Ersatz der im Ausland entstandenen Aufwendungen zu 100 % ohne Höchstsatz für 1. ärztliche Behandlung einschließlich Arzt-Wegegebühren und Taxikosten zum Arzt, wenn am Aufenthaltsort kein Arzt praktiziert; 2. Arznei- und Verbandmittel;
Emergency dental treatment
Not established from the insurer's documents
100% cover with no cap for pain-relieving dental treatment and simple fillings performed abroad. Dentures and crowns (Zahnersatz, Zahnkronen) are excluded.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
schmerzstillende Zahnbehandlung und Zahnfüllungen in einfacher Ausführung, nicht aber Zahnersatz und Zahnkronen.
Local transport to hospital
Not established from the insurer's documents
100% reimbursement with no cap of transport costs to the nearest suitable hospital abroad.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Transportkosten zum nächstgelegenen geeigneten Krankenhaus;
Medically necessary repatriation
Not established from the insurer's documents
The full additional costs of a medically sensible and justifiable repatriation to the nearest suitable hospital at the insured's home are reimbursed at 100% with no cap, provided the repatriation is organised by AXA/AXA Assistance or pre-approved by AXA. If only the medical-sensibility criterion is met (e.g. treatment abroad expected to exceed 14 days, or treatment costs abroad exceeding repatriation costs) without such organisation or pre-approval, reimbursement of the additional repatriation costs is limited to EUR 5,000 within Europe and EUR 10,000 outside Europe.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Ersatz der Mehrkosten für einen Rücktransport zum nächstgelegenen geeigneten Krankenhaus am Wohnort der versicherten Person zu 100 % sofern 1. dieser medizinisch sinnvoll sowie vertretbar ist und 2. vom Versicherer bzw. dessen Assistance organisiert wird oder vorab eine Zusage des Versicherers erfolgte. ... Liegen lediglich die in Ziffer 1 genannten Voraussetzungen vor, so werden die Mehrkosten eines Rücktransportes innerhalb Europas nur bis zur Höhe von 5.000,– Euro erstattet; darüber hinausgehend nur bis zur Höhe von 10.000,– Euro erstattet.
Repatriation of remains
Not established from the insurer's documents
In the event of death of the insured during the trip, direct costs of repatriation to the home address at the start of the contract are reimbursed up to EUR 5,000 from within Europe and up to EUR 10,000 from the rest of the world; burial costs abroad up to the same limits may be paid instead of repatriation. All repatriations must be coordinated with the insurer.
Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
Darüber hinaus erstatten wir für: Überführung aus Europa bis 5.000,– Euro; aus dem übrigen Ausland bis 10.000,– Euro
Search and rescue
Not established from the insurer's documents
Not addressed in the available policy documents.
COVID-19 treatment
Not established from the insurer's documents
Not separately addressed in the available policy documents.
Pre-existing conditions
Not established from the insurer's documents
There is no blanket exclusion of pre-existing conditions. Excluded is treatment of illnesses/injuries for which the trip was undertaken, and treatment that was already foreseeable as necessary during the planned course of the trip at the time of departure (unless the trip was made due to the death of a spouse or first-degree relative).
Section: Teil I: Allgemeine Bedingungen > § 5 Einschränkung der Leistungspflicht
für Krankheiten und Unfallfolgen, zu deren Behandlung die Auslandsreise erfolgt ist, sowie für Behandlungen, bei denen bei Reiseantritt feststand, dass sie bei planmäßiger Durchführung der Reise stattfinden mussten, es sei denn, dass die Reise wegen Todes des Ehegatten oder eines Verwandten ersten Grades unternommen wurde;
Winter sports cover
Not established from the insurer's documents
Not addressed in the available policy documents.
Adventure sports cover
Not established from the insurer's documents
Not addressed in the available policy documents.
Pregnancy complications
Not established from the insurer's documents
Investigation and treatment for pregnancy, childbirth, miscarriage and termination (and their consequences) is generally excluded, but cost reimbursement is provided to the extent medical assistance in the country of stay is necessary for acute pregnancy complications, including miscarriage.
Section: Teil I: Allgemeine Bedingungen > § 5 Einschränkung der Leistungspflicht
für Untersuchung und Behandlung wegen Schwangerschaft, Entbindung, Fehlgeburt und Schwangerschaftsabbruch sowie deren Folgen. Kostenersatz wird aber insoweit geleistet, als ärztliche Hilfe im Aufenthaltsland bei akut auftretenden Schwangerschaftskomplikationen einschließlich Fehlgeburt notwendig ist;
Personal liability
Not established from the insurer's documents
Not addressed in the available policy documents.
Legal assistance
Not established from the insurer's documents
Not addressed in the available policy documents.
24/7 emergency assistance hotline
Not established from the insurer's documents
AXA Assistance provides a 24-hour emergency hotline abroad, helping to find qualified medical treatment, assist with reimbursement/direct billing questions, and organize medically necessary repatriations; a dedicated EuroCare partner network is available for treatment in the USA.
Key conditions
Assistance call deadline
Any hospital treatment must be reported to AXA within 10 days of its start; all supporting documents/receipts for a claim must be submitted no later than the end of the third month after the trip ends.
Unauthorized treatment
If the policyholder violates the reporting/cooperation obligations, AXA may be released entirely from the payment obligation in case of intentional breach, or may proportionally reduce benefits in case of gross negligence, in accordance with §10 AVB-R in conjunction with §28 VVG.
Purchase while abroad
The policy must be taken out before the trip begins and before crossing the border abroad; trips where departure from Germany occurred before the insurance start date are excluded from cover, and the policy cannot be extended retroactively while already travelling.
Chronic conditions
Chronic conditions are not explicitly excluded as such, but treatment is excluded if the trip was undertaken for the purpose of that treatment, or if the need for treatment was already foreseeable and scheduled to occur during the planned course of the trip.
Pregnancy
Costs related to pregnancy, childbirth, miscarriage and termination (and their consequences) are excluded, except that cost reimbursement is provided for acute pregnancy complications, including miscarriage, requiring medical assistance in the country of stay.
Pre-existing condition exclusions
No blanket exclusion for pre-existing conditions; excluded is treatment for illnesses/injuries for which the trip was undertaken, or treatment that was already known to be necessary and scheduled to occur during the planned course of the trip.
Coverage duration limit
Cover is available for a maximum of the first 365 days of a single trip. After cover under Tarif ARE ends, the insured must spend 90 days in Germany before this tariff can be taken out again.
Direct payment
AXA Assistance can help arrange direct billing (Direktabrechnung) with hospitals abroad; otherwise the insured pays and submits original invoices, which are reimbursed by AXA, with foreign-currency costs converted at the ECB reference rate on the day the documents are received.
Territorial scope
Cover applies abroad; the country where the insured person has a permanent residence or carries out permanent professional activity does not count as 'abroad' and is excluded from cover.
Documents
Policy specifics
Medical repatriation
Not established from the insurer's documents
Covers the additional costs of a medically necessary repatriation to Germany at 100% with no cap, when organised by AXA Assistance or pre-approved by AXA; otherwise limited to €5,000 within Europe and €10,000 outside Europe.
SourceThird-party source, not the insurer's documentSection: AXA Auslandskrankenversicherung
In allen anderen Fällen erstattet die AXA Auslandskrankenversicherung die Mehrkosten eines Rücktransportes innerhalb Europas bis zu 5.000 Euro, darüber hinaus bis 10.000 Euro.
Emergency dental treatment
Not established from the insurer's documents
Covers pain-relieving dental treatments and emergency dental care at 100%
SourceThird-party source, not the insurer's documentSection: AXA Auslandskrankenversicherung
Ebenfalls zu 100 % werden die Kosten für schmerzstillende Zahnbehandlungen übernommen.
Medications and medical supplies
Not established from the insurer's documents
Covers prescribed medications, healing agents and bandages as part of treatment coverage
SourceThird-party source, not the insurer's documentSection: AXA Auslandskrankenversicherung
Selbstverständlich sind Arznei-, Heil- und Verbandsmittel im Leistungspaket enthalten.
Pre-travel booking requirement
Not established from the insurer's documents
Insurance must be purchased before the trip begins; no extension is possible during travel
SourceThird-party source, not the insurer's documentSection: AXA Auslandskrankenversicherung
Sie kann nur vor Beginn der Reise für die gesamte Reisedauer abgeschlossen werden. Eine Verlängerung des Versicherungsschutzes ist während der Reise nicht möglich.
Assistance notification before hospitalization
Not established from the insurer's documents
Repatriation is reimbursed in full (100%, no cap) only if it is organised by AXA Assistance or approved in advance by AXA; otherwise reimbursement of the additional repatriation costs is capped at EUR 5,000 within Europe and EUR 10,000 outside Europe.
SourceThird-party source, not the insurer's documentClause A.II.2Page Seite 11Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > A. Leistungen des Versicherers
vom Versicherer bzw. dessen Assistance organisiert wird oder vorab eine Zusage des Versicherers erfolgte.
90-day re-enrollment waiting period
Not established from the insurer's documents
After ARE cover ends, the insured can take out Tarif ARE again only after a 90-day stay in Germany.
SourceThird-party source, not the insurer's documentClause C.2Page Seite 11Section: Teil II: Krankheitskostentarif für Behandlung bei Reisen > Tarif ARE > C. Sonstige Bestimmungen
Nach Ende des Versicherungsschutzes im Tarif ARE können versicherte Personen diesen Tarif erst nach einem 90-tägigen Aufenthalt in Deutschland erneut abschließen.
No deductible (Selbstbehalt)
Covered medical expenses are reimbursed at 100% with no deductible or co-payment required
SourceSection: Auslandskrankenversicherung Gesundheit im Ausland absichern – weltweit, schon ab 7,92 € im Jahr
Einfach online abschließen. Keine Gesundheitsfragen. Kein Selbstbehalt
Hospitalization reporting requirement
Not established from the insurer's documents
Any hospital treatment must be reported to AXA within 10 days of its start; all claim documents must be submitted no later than the end of the third month after the trip ends.
SourceThird-party source, not the insurer's documentClause § 9 Abs. 1Page Seite 10Section: Teil I: Allgemeine Bedingungen > § 9 Obliegenheiten
Der Versicherungsnehmer oder die als empfangsberechtigt benannte versicherte Person (vgl. § 6 Abs. 5) hat sämtliche Belege spätestens bis zum Ablauf des dritten Monats nach Beendigung der Reise einzureichen, jede Krankenhausbehandlung ist binnen 10 Tagen nach ihrem Beginn anzuzeigen.
Sources
- axa.dehttps://www.axa.de/pk/gesundheit/p/auslandskrankenversicherung(opens in a new tab)
- reiseversicherung-vergleich.infohttps://www.reiseversicherung-vergleich.info/fileadmin/dokumente/bedingungen-akv/axa-bedingungen-are.pdf#page=8(opens in a new tab)
- reiseversicherung.comhttps://www.reiseversicherung.com/fileadmin/Download-Center/AVB-AXA_ARE.pdf#page=1(opens in a new tab)
- reiseversicherung.comhttps://www.reiseversicherung.com/fileadmin/Download-Center/AVB-AXA_ARE.pdf#page=2(opens in a new tab)
- reiseversicherung.comhttps://www.reiseversicherung.com/fileadmin/Download-Center/AVB-AXA_ARE.pdf#page=3(opens in a new tab)
- reiseversicherung.comhttps://www.reiseversicherung.com/reiseversicherungen/auslandskrankenversicherung/auslandskrankenversicherung_reisen_bis_1_jahr/axa_auslandskrankenversicherung_bis_ein_jahr.html(opens in a new tab)
AXA Travel insurance