Extracted from source documents

Envivas Travel insurance (Travelplus)

Underwritten by Envivas Krankenversicherung AG · Germany

travel insurance from Envivas for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2025-05Sources

Online purchase24/7 helpline

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Key facts

Envivas
Starting price: €19.40per yearAs published by the insurer — it does not say who the price is for

Unique selling points

24/7 emergency hotline with immediate, unbureaucratic assistance and a guaranteed direct cost-assumption commitment to doctors and hospitals for inpatient stays.

No health questions are required at application, so the policy can be bought spontaneously right up until departure from Germany.

Rated 'sehr gut' (1.5) for the individual tariff and 'gut' (1.6) for the family tariff by Stiftung Warentest (May 2025).

TÜV SÜD has awarded Envivas its 'ServiceExcellence' certification for 11 consecutive years (as of 2025).

Covers an unlimited number of trips per year, each up to 60 days, under a single annual policy exclusively developed in a 20-year partnership with Techniker Krankenkasse.

Coverage limits

Covered

Medical expenses (general)

Covered

Envivas reimburses medically necessary treatment costs for illness or accident consequences abroad, covering outpatient, inpatient, dental, transport and further itemized benefits; no single aggregate sum insured is stated.

Clause § 1Page 7

Section: § 1 Welchen Versicherungsschutz bietet der Tarif TravelPlus? > (1) Gegenstand der Versicherung

Der Tarif TravelPlus bietet bei Auslandsreisen Versicherungsschutz für Krankheiten, Unfälle und andere in diesen AVB genannte Ereignisse. Im Versicherungsfall übernehmen wir die Kosten für Heilbehandlungen und weitere in diesen AVB vereinbarte Leistungen.

Covered

Emergency medical treatment

Covered

Covers medically necessary outpatient and inpatient emergency treatment abroad due to illness or accident, with free choice of doctor and hospital; no monetary cap is stated for these benefits.

Clause § 5Page 8

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (1) Allgemeine Regelungen

Die versicherte Person kann unter Ärzten, Zahnärzten und Physiotherapeuten frei wählen.

Covered

Hospitalization

Covered

Covers physician services, general hospital services, operations and related costs, and board/lodging during medically necessary inpatient treatment abroad; costs for a companion are also covered for insured children under 18.

Clause § 5 (3)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (3) Behandlung im Krankenhaus

Bei stationärer Heilbehandlung übernehmen wir die Kosten für ärztliche Leistungen. allgemeine Krankenhausleistungen. Operationen und Operationsnebenkosten. die Verpflegung und Unterkunft im Krankenhaus. die stationäre Unterbringung und Verpflegung einer Begleitperson des versicherten Kindes unter 18 Jahren.

Covered

Outpatient treatment

Covered

Covers outpatient examinations and treatment by freely chosen doctors, dentists and physiotherapists, plus prescribed medicines, dressings and remedies.

Clause § 5 (2)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (2) Ambulante Behandlung

Bei ambulanter Heilbehandlung übernehmen wir die Kosten für Untersuchungen und Heilbehandlungen.

Covered

Emergency dental treatment

Covered

Covers pain-relieving dental treatment including simple fillings, simple provisional dentures/crowns and simple repairs; excludes dental prophylaxis, periodontal treatment, permanent dentures/crowns, inlays/onlays and orthodontics.

Clause § 5 (5)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (5) Zahnärztliche Behandlung

Bei zahnärztlicher Behandlung übernehmen wir die Kosten für schmerzstillende Zahnbehandlung einschließlich plastischer Zahnfüllungen.

Covered

Medical transport

Covered

Covers medically necessary transport to the nearest suitable hospital or emergency doctor, and onward transport to the nearest suitable hospital after initial emergency treatment.

Clause § 5 (6)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (6) Krankentransport

Wir übernehmen die Kosten für den medizinisch notwendigen Krankentransport zur Behandlung in das nächsterreichbare geeignete Krankenhaus bzw. in das Krankenhaus, in dem eine Erstversorgung erfolgen kann oder zum nächsterreichbaren Notfallarzt.

Conditional

Medical evacuation / repatriation transport

Conditional

Covers the extra costs of transport back to the country of habitual residence if it is medically sensible and reasonable, if the inpatient stay would exceed two weeks, or if the foreign treatment costs would exceed the repatriation cost; Envivas must organize the transport for costs to be covered.

Clause § 5 (7)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (7) Krankenrücktransport

Wichtig: Voraussetzung für die Übernahme der Kosten ist, dass wir den Krankenrücktransport organisieren.

Covered

Repatriation of remains / burial abroad

Covered

In case of death, Envivas covers the costs, at the insured's choice, for burial abroad or for repatriation of the body to a chosen place in the country of the insured's last habitual residence; the current AVB (5.2025) states no fixed monetary limit for this benefit.

Clause § 5 (9)Page 10

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (9) Bestattung und Überführung

Im Todesfall übernehmen wir die Kosten wahlweise für die Bestattung im Ausland oder für die Überführung an den gewünschten Ort im Land des letzten gewöhnlichen Aufenthalts der versicherten Person.

Covered

Search, rescue and recovery

€2.5K

Covers the costs of accident-related search, rescue and recovery of the insured person, up to 2,500 EUR per claim, provided the service is carried out by a public or private rescue service.

Clause § 5 (8)Page 10

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (8) Suche, Rettung und Bergung

Wir übernehmen höchstens 2.500 Euro je Versicherungsfall.

COVID-19 treatment

No limit stated

The AVB's exhaustive exclusion list (§ 6) does not name a pandemic or COVID-19 exclusion, so illnesses such as COVID-19 are covered under the general outpatient/inpatient illness-treatment provisions like any other illness abroad.

Clause § 6 (1)Page 10

Section: § 6 Welche Kosten übernehmen wir nicht oder nur zum Teil? > (1) Vom Versicherungsschutz ausgeschlossene Behandlungen und Hilfsmittel

Für folgende Behandlungen und Hilfsmittel übernehmen wir keine Kosten:

Conditional

Pre-existing conditions

Conditional

Treatment needs foreseeable before the trip began are excluded, unless the insured was fit to travel at the outset and suffers an unexpected acute deterioration during the trip.

Clause § 6 (1)Page 10

Section: § 6 Welche Kosten übernehmen wir nicht oder nur zum Teil? > (1) Vom Versicherungsschutz ausgeschlossene Behandlungen und Hilfsmittel

Versicherungsfälle, die vor Beginn der Auslandsreise eingetreten sind Ausnahme: Wenn bei Reisebeginn aus medizinischer Sicht Reisefähigkeit bestand und erst während der Auslandsreise eine unerwartete akute Verschlechterung des Gesundheitszustandes eintritt.

Winter sports cover

No limit stated

No winter-sports exclusion; treatment after a skiing accident is covered like any other accident.

Section: Optimal versichert > Skiunfall in Österreich

Wir übernehmen die Gesamtkosten von 11.500 €.

Adventure sports cover

No limit stated

Not addressed in the reviewed policy documents.

Conditional

Pregnancy complications

Conditional

Covers medically necessary outpatient/inpatient treatment for pregnancy complications, premature birth (up to end of week 36, including newborn care until transportable) and miscarriage, plus lawful medically necessary termination; routine pregnancy care and normal delivery are excluded.

Clause § 5 (4)Page 9

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (4) Behandlung bei Schwangerschaft

die medizinisch notwendige ambulante und stationäre Behandlung wegen Schwangerschaftskomplikationen. die Entbindung bei Frühgeburt bis zum Ende der 36. Schwangerschaftswoche.

Personal liability

No limit stated

Personal liability cover is not part of this product; TravelPlus is a travel medical insurance policy only.

Legal assistance

No limit stated

No legal-expenses cover is provided; the policy only offers information about possibilities for legal representation abroad as part of the assistance hotline.

Clause § 5 (13)Page 10

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (13) Weitere Hilfen

11.Auskunft über Möglichkeiten anwaltlicher Vertretung im Ausland

Covered

24/7 assistance hotline

Covered

Provides a year-round 24-hour telephone service including contact with the family doctor, information on medicines and medical care, guaranteed cost assumption for inpatient stays, transport organization, interpreter referral, and organization of repatriation, burial or return transport.

Clause § 5 (13)Page 10

Section: § 5 Welche Leistungen erhalten Sie im Versicherungsfall? > (13) Weitere Hilfen

1. ganzjähriger telefonischer 24-Stunden Service 2. Kontaktaufnahme zum Hausarzt und Vermittlung von Arzt-zu-Arzt-Gesprächen

Key conditions

Assistance call deadline

The AVB does not specify a fixed contact deadline for reporting a claim; however, benefits requiring organization by Envivas (e.g. repatriation transport, childcare arrangements, hospital visit travel) are only covered if Envivas arranges these services in advance.

Unauthorized treatment

If the policyholder or insured person breaches their contractual duties (e.g. providing required information, undergoing a requested medical examination, mitigating the loss), Envivas may reduce or fully refuse benefits, subject to the limitations of §28 (2)-(4) VVG.

Purchase while abroad

The policy can only be taken out while the insured is still in Germany, before departure. If applied for after crossing the border, cover only begins with the start of a new trip abroad.

Chronic conditions

There is no dedicated chronic-illness benefit; the general pre-existing condition rules apply, meaning chronic conditions whose treatment need was already foreseeable before departure are excluded unless an unexpected acute deterioration occurs during the trip.

Pregnancy

Coverage applies to medically necessary treatment for pregnancy complications, premature birth (up to the end of the 36th week, including care of the newborn until transportable) and miscarriage, plus lawful medically necessary termination. Routine, uncomplicated pregnancy care and delivery are excluded.

Pre-existing condition exclusions

Treatment needs that were already medically foreseeable before the trip began are excluded, unless the insured was fit to travel at the outset and an unexpected acute deterioration of their health occurs during the trip.

Coverage duration limit

Cover applies for the first 60 days of any private or business trip abroad; if the return journey is medically impossible without endangering health, cover extends until the insured can safely travel back.

Direct payment

Envivas operates primarily on a reimbursement basis: policyholders pay providers directly and submit invoices for reimbursement. The exception is inpatient hospital stays, for which Envivas provides a guaranteed direct cost-assumption commitment to doctors and hospitals.

Territorial scope

Coverage applies only outside Germany; Germany is never considered abroad under this policy.

Documents

Important contract documents – Tariff TravelPlus (cover date 7.2026, AVB 5.2025) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document – TravelPlus (opens in a new tab)

Product information sheet · PDF

Important contract documents – Tariff TravelPlus (May 2025 edition) (opens in a new tab)

Terms & conditions · PDF

Archived contract documents – Tariff TravelPlus (legacy edition, AVB 8.2021) (opens in a new tab)

Policy specifics

Medical emergency transport / repatriation

Coverage for medically necessary transport back to Germany when medically appropriate and reasonable

Source

Section: Welche Situationen erfordern einen Krankenrücktransport?

Können Sie im Reiseland nicht angemessen behandelt werden, ist ein Rücktransport erforderlich und medizinisch notwendig.

Inpatient hospital treatment

Coverage for medically necessary inpatient hospital and clinic treatment

Source