ERGO Reiseversicherung

Medical expenses (abroad)

Covered

Covers costs of medically necessary treatments performed or prescribed by a doctor abroad, including inpatient hospital stays, outpatient treatments, surgeries, X-ray diagnostics, radiation and physical therapies, medication and dressings, alternative treatments (when no conventional medicine available). Coverage is unlimited in sum. Treatments exceeding medically necessary levels may be reduced to a reasonable amount. Fees must not exceed the level customary in the country of treatment.

Emergency medical treatment

Covered

Covered under the general medical expenses benefit (Part C). The 24/7 emergency hotline (+49 89 4166-1010) is available for all medical emergencies during travel. ERGO issues cost-guarantee letters directly to hospitals. The insured must contact the emergency hotline before beginning inpatient treatment or repatriation.

Inpatient hospitalization

Covered

Costs for inpatient hospital stays abroad are covered as part of medically necessary treatment (Part C §2.3 A). If expected stay exceeds 5 days, ERGO organizes on request the travel of a close person to the hospital and back, covering travel costs. A daily hospital allowance of €50 (max. 30 days) is available as an alternative to cost reimbursement, if elected at the start of treatment.

Outpatient treatment

Covered

Outpatient treatments abroad are covered as part of medically necessary treatment (Part C §2.3 B), including doctors' visits, diagnostics, medication, physical therapies and aids first needed during travel (e.g. crutches, wheelchair rental). Fees billed must not exceed the level customary in the country. Treatment costs in Germany are reimbursed at GOÄ/GOZ rates.

Emergency dental treatment

Covered

Covers pain-relieving dental treatments including simple fillings, repairs of existing dentures/prostheses, and provisional dentures/prostheses following an accident abroad (Part C §2.3 H, I, J). Cosmetic or elective dental treatment is not covered.

Medical transport (in-country)

Covered

Covers costs of medically necessary patient transport to a suitable hospital abroad (Part C §5.3): for inpatient admission and for initial outpatient emergency treatment. Also covers transfer transport from initial care facility to a more suitable hospital abroad (Part C §5.4).

Medical repatriation / evacuation

Covered

ERGO organizes and covers costs of medically reasonable and justifiable repatriation using medically appropriate transport means to the insured's home address or nearest suitable hospital. Baggage transport home is also included. Costs for a travelling companion (who must also be ERV travel medical insured at the time) are covered. If still unfit to travel after the trip end date, treatment costs abroad continue to be covered until the insured is transportable (Part C §5.1, §5.2, §6).

Repatriation of remains

Covered

Upon request of the insured's relatives, ERGO organizes and covers the cost of repatriation of the deceased to their last place of residence before trip departure. Alternatively, ERGO organizes and covers burial abroad up to the equivalent cost of repatriation. Baggage is also returned home (Part C §12).

Search, rescue and recovery costs

Covered

Search, rescue and recovery costs are covered up to €10,000, provided they arise due to illness, as a consequence of an accident, or due to death (Part C §14).

COVID-19 treatment

Covered

Unexpected and severe COVID-19 illness, as well as death due to COVID-19, are covered as insured events under the travel medical insurance (Part C), even though COVID-19 was classified as a pandemic by the WHO. Routine/expected COVID-19 treatments or those known to be necessary before departure are not covered.

Winter sports cover

Covered

Winter sports are not explicitly listed as an exclusion in the travel medical policy (Part C). Medical expenses arising from winter sports accidents (e.g. skiing, snowboarding) are covered under the standard medical expenses benefit, as confirmed by example case in official marketing materials (snowboarding accident: €8,149 covered). Extreme sports (Extremsportarten: rafting, free climbing, canyoning, abseiling, paragliding, skydiving, etc.) are explicitly excluded from the accident insurance sub-section (Part E) but not from the travel medical section.

Pregnancy complications

Covered

The travel medical policy covers costs of medical treatment for pregnancy complications abroad; medically indicated terminations; childbirth up to and including the 36th week of pregnancy; treatment for newborns in case of premature birth up to and including the 36th week; and miscarriage up to and including the 36th week (Part C §3.1). If pregnancy occurs during the trip, up to 5 prenatal check-ups, 2 ultrasounds, treatment of complications, inpatient or outpatient delivery, obstetric costs, and postnatal care are also covered (Part C §3.2). Pregnancy treatment after the 36th week is excluded.

24/7 emergency hotline and assistance

Covered

A 24-hour, 365-days-a-year emergency hotline (+49 89 4166-1010) is included in the travel medical insurance. The hotline provides: coordination of hospital cost-guarantee letters, organization of medical repatriation, facilitation of communication between treating doctors and the insured's home doctor, children repatriation organization, assistance in finding German/English-speaking doctors, psychological emergency counselling by telephone, assistance in replacing travel documents, and help in cases of lost travel funds. Insured must contact the hotline before starting inpatient treatment or before repatriation (Part C §18.2).