Travel insurance
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| Feature / category | Allianz May 12, 2026 Open details | Debeka May 12, 2026 Open details | ERGO Reiseversicherung May 12, 2026 Open details | HUK-COBURG May 12, 2026 Open details |
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| Overview | ||||
Insurer | Allianz Deutschland AG | Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe | ERGO Reiseversicherung AG | HUK-COBURG-Krankenversicherung AG |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €25 | €12 | €49 | €15 |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | Not available |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | Covered | Covered | Covered |
Medical transport | Covered | Covered | Covered | Covered |
COVID-19 treatment | Covered | COVID-19 is not explicitly excluded by the policy. As a general illness occurring abroad, medically necessary treatment costs are covered under the standard medical expenses clause. The policy excludes only treatments arising from foreseeable war events or deliberately caused illness. | Covered | Covered |
Personal liability | Excluded | Excluded | Optional | Excluded |
Emergency dental | Covered | Covered | Covered | Covered |
Search & rescue | €10,000 | €5,000 | €10,000 | €10,000 |
Legal assistance | Covered | Excluded | Excluded | Excluded |
Emergency medical treatment | Covered | Covered | Covered | Covered |
Hospitalization | Covered | Covered | Covered | Covered |
Outpatient treatment | Covered | Covered | Covered | Covered |
Medical evacuation | Covered | Covered | Covered | Covered |
Repatriation of remains | Covered | Covered | Covered | Covered |
Pre existing conditions | Excluded | If an insured event (illness) already existed before the start of the trip, costs are only reimbursed to the extent that a worsening of the pre-existing condition requiring treatment occurs during the trip abroad. Treatments whose necessity was already medically established before departure are excluded, unless the trip was undertaken due to death of a spouse, civil partner or first-degree relative. | Treatments that the insured already knew to be necessary before the start of the trip (e.g. dialysis, scheduled procedures) are explicitly excluded (Part C §17 B). However, an unexpected and serious deterioration of a pre-existing condition is covered, provided there was no treatment for that condition in the 6 months before the trip start (routine check-ups, stable medication dosage, and dialysis are not counted as treatment). Exception: if the trip is undertaken because a spouse, life partner, or first-degree relative has died, coverage may apply (Part C §17 B). | Covered if the worsening of an existing condition arises unexpectedly during the trip. Not covered if the need for treatment was already established at the time of departure AND the treatment was carried out due to a condition already medically diagnosed before departure. Exception: pre-existing condition exclusion does not apply if the insured undertook the trip due to the death of a spouse, life partner or first-degree relative. |
Winter sports cover | Covered | Winter sports injuries are not explicitly excluded from coverage. Accidents during winter sports abroad are covered as general accident events under the standard medical expenses and search/rescue clauses. No separate winter sports rider is mentioned. | Covered | Covered |
Adventure sports cover | Medical treatment costs from adventure sports abroad are covered provided: the activity is booked together with the trip, the activity provider is licensed (if required), the activity is not prohibited by law, and the insured wears recommended protective equipment. Excluded: activities above 4,500m altitude, extreme whitewater, heli-skiing in unsafe areas, combat sports, motorized racing, deep freediving/scuba beyond limits, and similar extreme activities. | Adventure and extreme sports are not explicitly excluded. Accidents caused by external, sudden, involuntary events are covered as accidents under the standard clauses. No specific exclusion or sublimit for adventure sports is stated in the AVB/AR. | Extreme sports (Extremsportarten as defined in the glossary: rafting, free climbing, canyoning, abseiling/rappelling, cave exploration, mountaineering, hang gliding, paragliding, skydiving) are excluded under the accident insurance (Part E §7.1 E) and travel liability insurance (Part F §2.17). However, the travel medical insurance section (Part C) does not list extreme sports as an explicit exclusion. Treatment costs arising from extreme sport injuries may therefore be covered under Part C if medically necessary, but this is not explicitly confirmed for all scenarios. | Covered |
Pregnancy complications | Complications of pregnancy and premature births before the end of the 36th week of pregnancy occurring abroad during travel are covered under the travel medical insurance. Normal, uncomplicated pregnancies and births are not covered. | Pregnancy complications including miscarriage, premature birth and emergency termination are covered as an insured event. Coverage does not apply if the complication occurs after the 36th week of pregnancy, unless the continued stay abroad was necessitated by a previously occurring insured event. After delivery, necessary medical treatment for the newborn abroad is also covered until mother and child are fit for transport, provided the delivery costs are reimbursed. | Covered | Covered |
| Key conditions | ||||
Assistance call deadline | For inpatient hospital treatment, repatriation, or hospital visitor travel, the insured must contact Allianz in advance and all arrangements must be made in advance. If transport is not pre-approved and organized by Allianz, reimbursement is limited to the amount Allianz would have paid if it had organized the transport. For self-organized emergency transports, no support can be provided. | No explicit deadline for contacting the 24-hour emergency service is stated in the policy. However, the insured is obligated to minimise damage and must cooperate with the insurer in establishing the facts of the claim. | The insured (or their legal successors in the event of death) must contact the 24/7 emergency hotline without undue delay (unverzüglich): before beginning any inpatient hospital treatment; before any medical repatriation is carried out; and before any repatriation of remains. Failure to do so may reduce or eliminate the insurer's obligation to pay (Part C §18.2). | Before arranging medical repatriation or undertaking significant medical measures, the insured must contact the 24h emergency hotline (+49 69 66 555 44) to coordinate and secure cost coverage. Failure to do so may result in reduced or denied benefits if unnecessary costs are incurred. |
Purchase while abroad | It is not possible to take out the travel medical insurance retroactively while already abroad or after travel has commenced. The insurance must be purchased before the trip begins. For the travel medical and other non-cancellation covers, purchase is possible up to the day of departure. | If the contract is concluded during a trip abroad, insurance coverage only begins with the commencement of the next new trip abroad (§ 2 Nr. 2 AVB/AR). | Insurance cannot be taken out once the insured is already abroad. The travel medical insurance must be purchased before departure. The contract can be concluded up to the last day before travel commencement. For annual policies, purchase is possible at any time, but coverage for medical treatment only begins upon commencement of the trip (Part C, General Terms §3). | The insurance contract must be concluded before departure and only in Germany. Application from abroad is not possible. Coverage begins at the agreed time but not before the start of the foreign stay. |
Chronic conditions | Chronic diseases that were being actively treated before the insurance commenced are classified as pre-existing conditions and are not covered. Regular check-ups for monitoring or prevention are not considered treatment. Emergency medical treatment required during travel for conditions not related to chronic pre-existing conditions remains covered. | Chronic diseases are not explicitly excluded. If a chronic illness existed before the trip, only treatment costs necessitated by a worsening of that condition during the trip are reimbursed. Scheduled treatments known to be necessary before departure are excluded (§ 1 Nr. 1 and § 5 Nr. 1 lit. j AVB/AR). | Known chronic diseases that require regular treatment are generally excluded. This includes treatments known to be necessary before departure (e.g. regular dialysis, scheduled surgeries). However, an unexpected and serious worsening of a chronic/pre-existing condition is covered if there was no treatment for the condition in the 6 months prior to trip start. Routine check-ups, stable medication at unchanged dosage, and dialysis do not count as 'treatment' for this purpose (Part C §17 B, §2.1 definition). | Chronic diseases are not automatically excluded. Coverage applies if treatment was not foreseeable at departure. Excluded if: (1) the need for treatment was established before departure AND (2) the treatment was based on a condition already medically diagnosed before departure. If only one of these two conditions applies, treatment of worsening is covered. |
Pregnancy | Normal uncomplicated pregnancies and births are not covered. Premature births occurring before the end of the 36th week of pregnancy during a trip abroad are fully covered under the travel medical insurance. Pregnancy complications that require emergency treatment are also covered. | Pregnancy complications including miscarriage, premature birth and emergency termination are covered. No coverage for events occurring after the 36th week of pregnancy unless the continued stay abroad resulted from a previously occurring insured event. After delivery, treatment of the newborn is covered until mother and child are fit for transport (§ 4 Nr. 7 AVB/AR). | Pregnancy complications, medically indicated terminations, and childbirth abroad are covered up to and including the 36th week of pregnancy. After the 36th week, treatment for complications, terminations, and deliveries are excluded. If pregnancy occurs during the trip, up to 5 prenatal check-ups, 2 ultrasounds, and postnatal care are also covered (Part C §3). Planned prenatal check-ups in the guest country are excluded for foreign visitor insurance (Part G §13 M). | Pregnancy complications, miscarriages, premature births (up to end of 36th week) and emergency terminations are covered regardless of when the pregnancy began. If pregnancy began after coverage start, full maternity coverage (prenatal care, delivery after 36th week) is included. Pregnancy existing before coverage start: routine maternity care excluded, but complications are covered. |
Unauthorized treatment | If the insured organizes emergency transport or repatriation without prior approval by Allianz, reimbursement is limited to the amount Allianz would have paid had it organized the transport itself. Violation of this obligation (Obliegenheit) may result in reduction or refusal of benefits depending on the degree of fault. | The policy does not impose a specific penalty for seeking treatment without prior authorisation. However, if treatment exceeds the medically necessary extent or the fee is unreasonable, the insurer may reduce its benefit to an appropriate amount (§ 5 Nr. 2 AVB/AR). | If treatment exceeds the medically necessary level, ERGO may reduce its reimbursement to an appropriate amount. Fees and charges must not exceed those generally considered customary and reasonable in the country of treatment; otherwise ERGO may reduce reimbursement to the local standard rates (Part C §2.4). Intentional breach of obligations leads to full loss of coverage; grossly negligent breach may lead to proportional reduction (Part C §19). | If the insured arranges treatment or transport without prior coordination with the insurer and this leads to unnecessary cost increases, benefits may be reduced or denied proportionally to the degree of fault (gross negligence: proportional reduction; intentional: full denial). |
Pre existing conditions | Pre-existing conditions are illnesses or health complaints that existed before insurance inception or travel booking, for which treatment was required or reasonably foreseeable. They are generally excluded from all coverage under this policy. Only unexpected, sudden illness arising for the first time after policy inception (or travel booking for annual policies) is covered. | If a condition existed before departure, only treatment necessitated by a worsening during the trip is covered. Treatments whose necessity was already established before departure are excluded, unless the trip was made due to the death of a spouse, civil partner or first-degree relative (§ 1 Nr. 1 AVB/AR). | Treatments that were known to be necessary before trip start (e.g. dialysis, scheduled procedures) are explicitly excluded. An unexpected, serious deterioration of a pre-existing condition is covered if there was no active treatment for it in the 6 months before trip start; routine check-ups, stable medication at unchanged dosage, and dialysis are not considered 'treatment'. Exception: if the trip is undertaken because a spouse, life partner, or first-degree relative has died, coverage may apply despite planned treatment needs (Part C §17 B). | Pre-existing conditions are excluded only if both: (a) treatment was already medically necessary at departure AND (b) the condition was already medically diagnosed before departure. Unexpected worsening of a pre-existing condition during travel is covered. Exception: exclusion does not apply if the trip was undertaken due to the death of a spouse, life partner or first-degree relative. |
Coverage duration limit | For the annual Jahres-Reiseschutz, each individual trip is covered for a maximum of 56 days (from departure to return). If a single trip exceeds 56 days, coverage only applies for the first 56 days. An exception applies if the return trip is delayed due to a covered event, in which case coverage is extended until the insured is able to return or reaches a medical facility. | Coverage applies for each trip within a policy year for up to 70 days. If return travel is medically impossible at the end of the 70-day period, coverage extends until the insured is fit for transport. The policy year is annual (§ 1 Nr. 5, § 7 lit. b AVB/AR). | For annual policies: each individual trip is covered for a maximum of 45 days. Coverage for medical treatment ends after the first 45 days of any trip. For single-trip policies: coverage is for the full insured trip duration, provided it is planned for a maximum of 12 months and the insured's habitual residence is not relocated abroad (General Terms §2.2 F, §4.1). If the insured is unable to travel home for reasons beyond their control, coverage is extended until return is possible (General Terms §3.1 D, §3.2 C). | Standard annual policy (RVE20/RVF20/RBE20/RBF20): coverage for the first 56 days (8 weeks) of each foreign trip; unlimited number of trips per year; annual contract with automatic renewal. Coverage extends beyond 56 days only if return travel is medically impossible. Long-stay policy (RVL20/RBL20/RVU20/RBU20): coverage for a single trip up to a maximum of 365 days; contract ends automatically at agreed end date without notice; must be taken out from the first day of travel. |
| Proof and next steps | ||||
Direct payment policy | For inpatient hospital treatment, Allianz can issue a direct payment guarantee or advance payment to the hospital so that the insured does not need to pay upfront. For outpatient treatments, costs are generally paid upfront by the insured and then reimbursed. | Debeka advances payment upon notification of the insured event and settles the claim in accordance with policy conditions; the insured must submit original invoices. For costs in foreign currencies, reimbursement is made in EUR at the ECB exchange rate on the day invoices are received. | ERGO issues a cost-guarantee letter (Kostenübernahmegarantie) directly to the treating hospital for medically necessary inpatient treatment. ERGO settles the bill directly with the hospital. If ERGO is not liable for the full amount, any advances made must be repaid by the insured within one month of invoicing. For outpatient treatment, the insured pays upfront and submits receipts for reimbursement. | The insurer provides a cost-guarantee letter (Kostenübernahme-Garantie) to hospitals on request and settles inpatient bills directly with the hospital. Outpatient claims are reimbursed to the policyholder upon submission of original invoices. No deductible is applied. |
Last verified | May 12, 2026 | May 12, 2026 | May 12, 2026 | May 12, 2026 |