ERGO Reiseversicherung AG (formerly ERV – Europäische Reiseversicherung AG)
ERGO Reiseversicherung
ERGO Reiseversicherung is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
ERGO provides a cost-guarantee directly to contracted hospitals and settles inpatient and outpatient treatment costs directly with the healthcare provider, so insured persons generally do not need to pay cash upfront.
Geographic scope
Worldwide
Coverage applies to all trips worldwide, including day trips. Within the country of habitual residence or workplace, the destination must be more than 50 km away or the trip must include at least one overnight stay.
Starting price
€31
Indicative — pricing assumptions not stated
Unique selling points
- Unlimited insured sum for medical treatment abroad, with no overall cap on medical expenses.
- 24/7 emergency call centre with an international medical team assisting with hospital admission and repatriation.
- Cashless direct billing with partner hospitals via a cost-guarantee, avoiding upfront payment by the traveller.
- Air Doctor online service lets travellers find and book a doctor at their destination with direct billing to ERGO.
- ERV travel & care app delivers real-time safety alerts and shows partner hospitals and pharmacies at the destination.
Coverage limits
Medical expenses abroad
unlimited
Reimbursement of costs for medically necessary outpatient and inpatient treatment, medication and medical aids abroad; the insured sum is unlimited.
Emergency medical treatment
unlimited
24-hour emergency call centre supports insured persons in medical emergencies abroad and can issue a cost guarantee to the hospital.
Inpatient hospital treatment
unlimited
Costs of inpatient treatment in hospital abroad are reimbursed; alternatively a hospital daily allowance of EUR 50/day for up to 30 days can be chosen instead of cost reimbursement.
Outpatient treatment
unlimited
Costs for outpatient medical treatment, operations, X-ray diagnostics and other physical treatments abroad are reimbursed.
Emergency dental treatment
€500
Pain-relieving dental treatment including simple fillings is covered up to a total of EUR 500 per insured person.
Medical transport to suitable hospital
unlimited
Costs for medically necessary transport to a suitable hospital abroad and back to the accommodation are reimbursed, for inpatient stays and outpatient first aid.
Medical repatriation transport
unlimited
ERGO organises and pays for a medically appropriate and reasonable repatriation transport home, or to the hospital nearest the insured's place of residence, including costs for an accompanying person.
Repatriation of remains / burial abroad
unlimited
In case of death, ERGO organises and pays for repatriation to the last place of residence before the trip, or alternatively covers burial costs abroad up to the amount a repatriation would have cost.
Search, rescue and recovery costs
€15,000
Search, rescue and recovery costs due to illness, accident or death are reimbursed up to EUR 15,000.
Pre-existing / pre-planned conditions
Excluded
Treatments that were a reason for the trip, or that the insured already knew before departure would need to be carried out during the trip (e.g. dialysis), are not covered.
Pregnancy complications abroad
unlimited
Medical treatment of pregnancy complications, medically indicated termination, delivery up to and including the 36th week, and treatment of premature newborns up to the 36th week are covered.
Personal liability
No limit stated
Not part of this travel medical product's coverage as described in the reviewed terms or IPID.
Legal assistance
No limit stated
Not part of this travel medical product's coverage as described in the reviewed terms or IPID.
24/7 emergency assistance hotline
Covered
The emergency call centre is available 24 hours a day, 365 days a year, for medical emergencies, e.g. to issue a cost guarantee to hospitals or organise the return of children.
Key conditions
Assistance call deadline
The insured (or their legal successors in case of death) must contact the emergency call centre immediately before inpatient treatment begins, before repatriation transport, before burial or repatriation of remains abroad, and when accompanying children or care-dependent persons can no longer be looked after.
Unauthorized treatment
If a duty is breached intentionally, no benefit is payable; in case of gross negligence the benefit can be reduced proportionately to the severity of fault, unless the insured proves the breach was not grossly negligent.
Purchase while abroad
Insurance cover begins at the agreed contract start, but at the earliest with the start of the respective trip; cover therefore cannot be obtained retroactively for a trip already underway before the contract began.
Chronic conditions
Treatments that were the reason for the trip or that the insured already knew before departure would be required during the trip (e.g. dialysis) are excluded, unless the trip was necessitated by the death of a spouse, partner or first-degree relative.
Pregnancy
Pregnancy complications, medically necessary terminations, delivery and treatment of premature newborns are covered up to and including the 36th week of pregnancy; if pregnancy began during the trip, up to 5 prenatal check-ups and 2 ultrasound examinations are also covered.
Pre-existing condition exclusions
Treatments that were a reason for the trip or already known before departure as necessary during the trip are excluded from cover.
Coverage duration limit
Cover applies for a maximum of 45 days per trip; for longer trips, medical cover ends after the first 45 days of the trip.
Where to buy
Policy specifics
Medical treatment abroad
Coverage for outpatient and inpatient medical treatment costs during travel
SourceMedical repatriation transport
Organization and cost coverage for medically appropriate patient transport back home
SourceAir Doctor online doctor search
Online service to find and book doctors at travel destination with direct settlement
SourceERV travel & care App
Mobile app providing travel information, security warnings, and access to partner hospitals and pharmacies
SourceTravel cancellation protection
Protection against cancellation costs if trip cannot be undertaken
SourceSearch, rescue and recovery costs
Costs for search, rescue and recovery due to illness, accident or death are reimbursed up to EUR 15,000
SourceGeographic coverage area
Not established from the insurer's documents
Worldwide coverage for travel, or coverage within Germany subject to distance/overnight requirements
SourceThird-party source, not the insurer's documentMaximum trip duration
Not established from the insurer's documents
Coverage for individual trips up to maximum duration
SourceThird-party source, not the insurer's documentDeductible / self-participation
Not established from the insurer's documents
Option to select with or without deductible to reduce premium
SourceThird-party source, not the insurer's documentDirect settlement with healthcare providers
Direct billing with contracted hospitals and doctors; no cash payment required
Source