EUROPA Versicherung AG / EUROPA Lebensversicherung AG
EUROPA
EUROPA is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The policy conditions (AVB) of EUROPA Versicherung AG's travel medical tariffs (ERK-56/ERK-V) describe a reimbursement model rather than direct settlement with providers: the insurer pays the insured person directly upon submission of the required proof, and is only obliged to pay once original cost receipts/invoices are provided. The insurer's own claims process confirms this — policyholders must submit the completed claim form together with original invoices by post (or email) to EUROPA Versicherung AG for reimbursement after treatment, rather than having the insurer settle directly with the hospital or clinic at the time of treatment.
Geographic scope
Worldwide, outside the policyholder's home country
Coverage begins when the insured crosses the border on a temporary trip abroad and applies for both leisure and business trips.
Starting price
€12
Indicative — pricing assumptions not stated
Unique selling points
- Entry-level annual premium starting from just 12 EUR for individuals up to age 64.
- Existing cover can be flexibly extended beyond 56 days up to 365 days at a favorable surcharge without needing a new policy.
- Rated 'very good' for claims handling by market research institute ServiceValue on behalf of Focus Money (January 2024).
- Dedicated, separately priced tariff for travelers aged 65 and above.
- 24-hour emergency hotline available to assist policyholders anywhere abroad in case of a claim.
Coverage limits
Medical expenses abroad
Covered
Covers costs of medically necessary outpatient and inpatient treatment abroad; the reviewed pages do not state a specific monetary cap.
Emergency medical treatment
Covered
Treatment following an accident or sudden illness abroad is covered, illustrated on the product page by a customer example of a snowboarding accident treated in a foreign hospital.
Inpatient hospital treatment
Covered
Covers costs of medically necessary inpatient hospital treatment abroad; no specific monetary limit stated in the reviewed sources.
Outpatient treatment
Covered
Covers costs for doctor visits and medication for outpatient treatment abroad; no specific monetary limit stated in the reviewed sources.
Medical repatriation / evacuation
Covered
Covers medically reasonable and justifiable transport back to the home country after illness or accident abroad; no specific monetary limit stated.
Search and rescue costs
€5,000
Only in ERK-56
Reimbursement of costs for the rescue or recovery of an insured person, up to 5,000 EUR, per the ERK-56 general terms and conditions.
Winter sports cover
No limit stated
Not specified as a distinct benefit category in the reviewed sources.
24-hour emergency assistance
Covered
A 24-hour emergency line is available to assist policyholders in the event of a claim while abroad.
Key conditions
Assistance call deadline
The reviewed sources do not specify an exact deadline for contacting the 24-hour emergency line; immediate notification is implied for hospitalization or repatriation cases.
Unauthorized treatment
Not specified in the reviewed sources.
Purchase while abroad
Not directly addressed; per the ERK-56 terms, coverage only begins once the insured crosses the border after the contract has been concluded and paid for, implying the policy should be purchased before departure.
Chronic conditions
Not specified in the reviewed sources.
Pregnancy
Not specified in the reviewed sources.
Pre-existing condition exclusions
Not specified in the reviewed sources.
Coverage duration limit
The base ERK-56 tariff covers each trip abroad for up to 56 days (8 weeks); the separate ERK-V tariff extends coverage flexibly up to 365 days in total, or up to 90 days for travelers aged 65 and over.
Where to buy
Policy specifics
Outpatient and inpatient treatment coverage
Coverage for doctor visits, medications, and hospital treatments abroad
SourceEligible travel regions
Coverage applies worldwide for all foreign trips outside policyholder's home country
SourceAnnual contract cancellation notice
An existing annual policy can be cancelled up to 3 months, or in some contracts only 1 month, before the contract's expiry date.
SourceAge-based tariff pricing
Separate premiums apply for individuals up to age 64 (from 12 EUR/year) and for individuals from age 65 (from 50 EUR/year).
Source