Pending review

BarmeniaGothaer Travel insurance (Travel Day Travel Plus)

Underwritten by Barmenia · Germany

travel insurance from BarmeniaGothaer for the Germany market, with online purchase.

Verified Aug 27, 2026 · Terms dated 2026-01-01Sources

Online purchase

Unique selling points

Full 100% reimbursement of eligible medical costs abroad with no deductible.

Medical repatriation is triggered whenever it is medically sensible and justifiable, not only when strictly necessary, plus a flat EUR 500 payment toward additional repatriation costs.

Single-trip cover (Travel day) can be booked for up to 365 days, one of the longer single-trip terms on the market.

Travel+: telemedicine consultations during the trip are reimbursed at 100%.

The Travel+ family tariff includes emergency childcare abroad if parents must be hospitalized or repatriated during the trip.

Coverage limits

Covered

Medical expenses (outpatient/inpatient treatment abroad)

unlimited

Full (100%) reimbursement of costs for medically necessary outpatient and inpatient treatment abroad, including doctor's fees, prescribed medicines, remedies, X-ray/imaging, and hospital accommodation, with no sum insured cap. Identical in Travel day and Travel+.

Clause § 4aPage 7

Section: § 4 Was ist im Ausland versichert und in welcher Höhe? > a) Ambulante und stationäre Heilbehandlung sowie Zahnbehandlung

Sie erhalten Leistungen für im Ausland entstandene Kosten bei ambulanter und stationärer Heilbehandlung sowie Zahnbehandlung.

Covered

Emergency medical treatment

unlimited

Emergency outpatient care and first response after an accident or sudden illness abroad, including transport to the nearest suitable doctor or hospital, is reimbursed in full with no cap.

Clause § 4 (1) hPage 2

Section: § 4 Was ist versichert? > Im Ausland

notwendigen Transport zum Arzt oder Krankenhaus zur ambulanten Erstversorgung nach einem Notfall;

Covered

Hospitalization abroad

unlimited

Full cost reimbursement for medically necessary inpatient treatment, plus an additional hospital daily allowance of EUR 15/day without proof of costs. Alternatively, the policyholder may choose a flat EUR 30/day hospital cash benefit instead of cost reimbursement.

Clause § 4cPage 9

Section: § 4 > c) Krankenhaus-Tagegeld

15 EUR für jeden Tag einer medizinisch notwendigen stationären Heilbehandlung zusätzlich zur Kostenerstattung.

Covered

Outpatient treatment

unlimited

Ambulatory doctor consultations, prescribed medicines, remedies (e.g. physiotherapy), auxiliary devices first needed on the trip (except glasses/hearing aids), and imaging are reimbursed at 100% with no cap.

Clause § 4aPage 7

Section: § 4 > a) Ambulante und stationäre Heilbehandlung sowie Zahnbehandlung

Sie erhalten Leistungen für im Ausland entstandene Kosten bei ambulanter und stationärer Heilbehandlung sowie Zahnbehandlung.

Covered

Emergency dental treatment

unlimited

Simple necessary fillings, repairs to existing dentures, and provisional dentures are reimbursed at 100%. New dentures, crowns, bridges, implants and orthodontic treatment are excluded.

Clause § 4aPage 9

Section: § 4 > a) Ambulante und stationäre Heilbehandlung sowie Zahnbehandlung

Zahnbehandlung in Form von notwendigen einfachen Zahnfüllungen, Reparaturen am vorhandenen Zahnersatz und provisorischer Zahnersatz.

Covered

Medical transport to treatment

unlimited

Necessary transport to a suitable hospital for inpatient treatment and transport to a doctor/hospital for outpatient emergency care after an accident are fully reimbursed with no cap.

Clause § 4 (1) gPage 2

Section: § 4 Was ist versichert? > Im Ausland

notwendigen Transport zur stationären Heilbehandlung in ein nach Abs. 8 anerkanntes und aus medizinischer Sicht geeignetes Krankenhaus;

Covered

Medical repatriation / rescue flights

unlimited

Full reimbursement of costs for a medically sensible and justifiable repatriation abroad (including rescue flights and required medically trained escort), triggered also if treatment costs abroad would exceed repatriation costs or hospitalization is expected to exceed 7 days. A flat EUR 500 payment is additionally made for such repatriations. Trigger threshold is 'medically sensible and justifiable' rather than strictly necessary.

Clause § 4hPage 10

Section: § 4 > h) Rücktransport

der Kosten für folgende Rücktransporte: - Medizinisch sinnvolle und vertretbare Rücktransporte aus dem Ausland Wir übernehmen die Kosten, wenn Sie wegen Krankheit oder Unfall an den Ort Ihres gewöhnlichen Aufenthalts oder in ein geeignetes Krankenhaus in Deutschland transportiert werden müssen.

Covered

Repatriation of remains / burial abroad

€10K

If the insured person dies abroad, repatriation of the deceased to their place of residence, or alternatively burial at the place of death, is covered up to EUR 10,000. A separate sub-limit of EUR 600 applies for repatriation within Germany.

Clause § 4iPage 10

Section: § 4 > i) Überführung/Bestattung am Sterbeort

der Kosten bis zu 10.000 EUR, wenn Sie im Ausland sterben. Versichert sind die Kosten der Überführung an den Wohnsitz oder die Kosten der Bestattung am Sterbeort.

Covered

Search, rescue and recovery costs

€5K

Costs of search, rescue or recovery operations are reimbursed up to EUR 5,000 per insured person. Under Travel day this applies only if triggered by an accident; under Travel+ it applies for accidents or illness.

Clause § 4gPage 10

Section: § 4 > g) Rettung und Bergung

der Kosten bis zu einem Betrag von 5.000 EUR, wenn Sie wegen eines Unfalls oder einer Krankheit gesucht, gerettet bzw. geborgen werden müssen.

Covered

COVID-19 / pandemic-related treatment

unlimited

Medically necessary outpatient or inpatient treatment is covered even if caused by a pandemic/infectious disease, with the same 100% reimbursement as other medical expenses.

Clause § 4aPage 7

Section: § 4 > a) Ambulante und stationäre Heilbehandlung sowie Zahnbehandlung

Dies gilt zum Beispiel auch, wenn eine sich ausbreitende Infektionskrankheit (Pandemie) die Heilbehandlungen verursacht.

Conditional

Pre-existing/chronic conditions

Conditional

Treatment of conditions treated in the last 3 months before departure is excluded if the trip was undertaken to obtain treatment abroad or treatment was already foreseeable at departure. However, an unforeseen acute deterioration of a known/chronic condition during the trip requiring emergency treatment remains covered; routine ongoing management (e.g. regular medication/monitoring) of a chronic condition is not covered.

Clause § 6Page 11

Section: § 6 Welche Leistungen sind ausgeschlossen?

Bereits vor Beginn der Reise bestehende und behandelte Erkrankungen und Unfallfolgen sind versichert, wenn sich während der Auslandsreise eine Verschlechterung einstellt.

Winter sports cover

No limit stated

Not addressed in the Travel day/Travel+ terms and conditions.

Adventure sports cover

No limit stated

Not addressed in the Travel day/Travel+ terms and conditions.

Covered

Pregnancy-related events

unlimited

Necessary medical examinations and treatment due to pregnancy, premature or miscarriage, and an unforeseeable medically necessary termination of pregnancy are treated as insured events and reimbursed at 100%.

Clause § 4Page 7

Section: § 4 Was ist im Ausland versichert und in welcher Höhe?

Behandlung wegen Schwangerschaft, Früh- oder Fehlgeburt oder bei einem unvorhersehbaren medizinisch notwendigen Schwangerschaftsabbruch.

Personal liability

No limit stated

Not part of the Travel day/Travel+ health insurance product; personal liability is only available under Barmenia's separate Reiseversicherung (trip cancellation/baggage/liability) product.

Legal assistance

No limit stated

Not part of the Travel day/Travel+ health insurance product.

24/7 assistance hotline

No limit stated

The AVB mention telemedicine and assistance-partner phone costs but do not explicitly state a 24/7 availability guarantee.

Clause § 4fPage 9

Section: § 4 > f) telemedizinische Leistungen durch Ärzte und andere Leistungserbringer

Der Kontakt zu einem Arzt oder anderen Leistungserbringer muss über einen von uns genannten Dienstleister erfolgen.

Key conditions

Assistance call deadline

No mandatory hotline call or prior approval is required before receiving treatment abroad; the insured person has a free choice among licensed doctors and hospitals in the country of stay.

Unauthorized treatment

There is no specific penalty for not calling in advance; however, general policyholder duties (Obliegenheiten) apply, such as submitting original invoices and necessary proof, and providing truthful information. Breach of these duties can lead to full or partial loss of benefits depending on the degree of fault.

Purchase while abroad

Not possible. The contract must be concluded in Germany before the trip begins, and cover never starts before the border crossing (for foreign trips) or leaving home/workplace (for domestic trips).

Chronic conditions

Ongoing routine treatment of chronic diseases (e.g. regular medication and monitoring) is excluded. An unforeseen acute deterioration requiring emergency treatment (e.g. a diabetic emergency) remains covered.

Pregnancy

Necessary examinations and treatment due to pregnancy, premature birth or miscarriage, and an unforeseeable medically necessary termination of pregnancy are covered as an insured event.

Pre-existing condition exclusions

Treatment for a condition already treated in the 3 months before departure is excluded if the trip's purpose was treatment abroad, or if treatment was already foreseeable when the trip began. Coverage continues for conditions if an unforeseen worsening occurs during the trip.

Coverage duration limit

Travel day: single-trip cover selectable from 3 up to 365 days. Travel+: an annual contract covering an unlimited number of trips, but each individual trip is covered only for its first 8 weeks.

Direct payment

Barmenia operates on a cost-reimbursement basis: the policyholder pays providers directly and submits invoices for reimbursement, with no deductible. For hospitalization, Barmenia can issue a direct payment guarantee (Kostenzusage) to the hospital if proof of insurance (and, for family cover, proof of eligible dependents) is provided in advance.

Territorial scope

Full medical treatment cost coverage applies only outside Germany. For inpatient treatment within Germany during a qualifying trip, only limited benefits apply (hospital daily allowance, transport to a hospital near home, domestic repatriation).

Documents

General Terms and Conditions – Travel day (AVB/Travel day) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions – Travel+ (AVB/Travel+) (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Medical repatriation/transport

Full reimbursement for medically necessary and reasonable repatriation from abroad including rescue flights, with accompanying medical personnel included

SourceClause § 4hPage 10

Section: § 4 > h) Rücktransport

Eingeschlossen sind die Kosten für das gegebenenfalls erforderliche, medizinisch geschulte Begleitpersonal.

Rescue and recovery costs

Coverage for search, rescue, and recovery operations costs up to specified limits per insured person

SourceClause § 4gPage 10

Section: § 4 > g) Rettung und Bergung

der Kosten bis zu einem Betrag von 5.000 EUR, wenn Sie wegen eines Unfalls oder einer Krankheit gesucht, gerettet bzw. geborgen werden müssen.

Rooming-in (companion accommodation)

Coverage for accommodation costs of a companion staying with a hospitalized minor child during foreign hospitalization

SourceClause § 4dPage 9

Section: § 4 > d) Rooming-In

Muss ein versichertes minderjähriges Kind stationär behandelt werden, erstatten wir die Kosten für die Unterbringung einer Begleitperson im Krankenhaus.

Repatriation of deceased

Coverage for transportation of deceased to home country up to specified maximum amount

SourceClause § 4iPage 10

Section: § 4 > i) Überführung/Bestattung am Sterbeort

der Kosten bis zu 10.000 EUR, wenn Sie im Ausland sterben.

Maximum trip duration (Travel+ annual contract)

Travel+ annual contracts limit individual trip duration to maximum 8 weeks; beyond that coverage ceases

SourceClause § 1 (3)Page 6

Section: § 1 > Wie lange besteht Versicherungsschutz?

Versicherungsschutz besteht für die ersten acht Wochen je Reise. Die Anzahl der versicherten Reisen ist nicht begrenzt.

Cost reimbursement model

Insurer reimburses policyholder directly for reasonable and necessary medical costs incurred abroad; 100% reimbursement without deductible

SourceClause § 4 (1)Page 2

Section: § 4 Was ist versichert? > Im Ausland

Diese Aufwendungen werden voll ersetzt.

Geographic scope of coverage

Worldwide coverage for medical treatment incurred outside Germany during insured trips; the insured person must have their habitual residence in Germany

SourcePage 5

Section: Vorbemerkung > Wer kann im Single-Tarif versichert werden?

Sie haben Ihren gewöhnlichen Aufenthalt in Deutschland. Das heißt: Sie halten sich mindestens sechs Monate im Jahr in Deutschland auf.

Pre-existing conditions exclusion

Conditions treated in the 3 months before departure are excluded only if the trip is for treatment or treatment was foreseeable; an unforeseen worsening of a pre-existing condition during the trip is covered.

SourceClause § 6Page 11

Section: § 6 Welche Leistungen sind ausgeschlossen?

Für die in den letzten drei Monaten vor Antritt der Reise behandelten Krankheiten und Unfälle, wenn: - Sie die Reise antreten, um sich im Ausland behandeln zu lassen.

Travel Day trip duration selection

Travel Day single-trip policies allow selection of duration from 3 days up to 365 days; coverage ends automatically after selected trip

SourceClause § 2 (3)Page 2

Section: § 2 Wie sind Abschluss, Dauer und Art des Versicherungsvertrages geregelt?

Der Versicherungsvertrag gilt für die im Versicherungsschein vermerkte Versicherungsdauer, mindestens jedoch für drei Tage und höchstens für 365 Tage.

Medical auxiliary devices coverage

Medically prescribed auxiliary devices (e.g., crutches, mobility aids) are covered; excludes optical glasses and hearing aids

SourceClause § 4aPage 8

Section: § 4 > a) Ambulante und stationäre Heilbehandlung sowie Zahnbehandlung

Hilfsmittel, die auf der versicherten Reise erstmals erforderlich werden und auf eine Krankheit oder einen Unfall zurückzuführen sind. ... Ausgenommen sind Sehhilfen und Hörgeräte.

Sources

BarmeniaGothaer Travel insurance

Get a quote from BarmeniaGothaer(opens in a new tab)Compare Travel insurance insurers in Germany
Get a quote from BarmeniaGothaer(opens in a new tab)