Europ Assistance SA, Branch for Germany (also operating as Europ Assistance Versicherungs-AG)
Europ Assistance
Europ Assistance is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Europ Assistance contacts the treating doctor or service provider abroad directly and issues a cost guarantee (Kostenübernahmeerklärung) where necessary; if the hospital does not accept the direct cost guarantee, Europ Assistance pays directly via a local service provider.
Geographic scope
Worldwide, outside Germany
Coverage applies worldwide except in countries where the insured person has their habitual residence or is registered as an employee, and except in sanctioned countries (Iran, Syria, North Korea, Crimea region, Zaporizhzhia, Kherson, Donetsk and Luhansk region, Venezuela, Belarus, Russian Federation, Afghanistan and Myanmar/Burma).
Starting price
€45
Indicative — pricing assumptions not stated
Unique selling points
- Free choice of doctor and hospital abroad, with Europ Assistance helping to find the right contact and arranging a direct cost guarantee.
- Includes up to five psychotherapy sessions after a confirmed trauma from a crisis situation during the trip.
- 24/7, 365-days-a-year multilingual emergency hotline coordinating all assistance services worldwide.
- Optional daily hospital cash benefit of €50 per day as an alternative to cost reimbursement during inpatient stays.
- Covers search, rescue and recovery costs up to €10,000 following illness, injury or death.
Coverage limits
Medical expenses coverage
Covered
Covers costs of medically necessary treatment abroad due to illness, accident or pregnancy complications; no monetary cap is stated in the T&C for the core benefit, though reimbursement is limited to conventional-medicine-equivalent costs.
Emergency medical/outpatient treatment
Covered
Covers costs for treatments and operations by a doctor and medical staff; no cap stated in the T&C.
Hospitalization / inpatient treatment
Covered
Covers treatment and operations in hospital, accommodation and meals, and travel costs for a close person if hospitalized for more than 5 days; alternatively a daily hospital cash benefit of €50/day can be chosen instead of cost reimbursement.
Outpatient treatment
Covered
Covers the costs of outpatient treatments and operations performed by a doctor and medical professionals; no cap stated.
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings, repairs of inlays, dentures/dental prosthetics and fixed braces, and provisional dentures; no monetary cap stated, but permanent dentures, post crowns and inlay fillings are excluded.
Local medical transport
Covered
Covers transport to the nearest suitable hospital/doctor, transfer for further treatment where medically indicated, and transport back to accommodation; other transport (e.g. taxi) is reimbursed up to a maximum of €50 per claim.
Medical repatriation from abroad
Covered
Covers medically necessary repatriation to Germany in cases of inadequate local medical care, medically sensible continuation of treatment in Germany, or inpatient stays exceeding 14 days, including costs for a necessary or non-necessary accompanying person and transport of luggage.
Repatriation of remains
Covered
Covers repatriation of the body to the place of burial in Germany in a coffin, or local cremation and transport of the urn to Germany; burial abroad is covered up to the amount that a repatriation would have cost.
Search, rescue and recovery
€10,000
Covers costs of up to €10,000 for search, rescue or recovery as a consequence of illness, injury or death.
COVID-19 treatment
No limit stated
Not explicitly addressed in the Einmalschutz 2023 T&C or IPID; unlike the Jahresschutz 2025 product, the ES 2023 wording does not explicitly mention epidemic/pandemic illness.
Pre-existing conditions
Conditional
Excluded if a doctor determined before departure that treatment or medication would be needed during the trip for an existing illness; however, coverage still applies if the illness worsens during the trip, or if the trip is undertaken due to the death of a parent, child or partner.
Winter sports cover
No limit stated
Not addressed in the T&C or IPID for this product; only professional athletes injured during competitions (excluding club competitions/training) are excluded under Ziffer 4.6.
Adventure sports cover
No limit stated
Not addressed in the T&C or IPID for this product; only professional athletes injured during competitions are explicitly excluded.
Pregnancy complications
Covered
Covers medical care costs for pregnancy complications, medically necessary termination, miscarriage/stillbirth, and premature birth before the 37th week (including the newborn); regular delivery is only covered if the return trip could not be undertaken for the reasons in Ziffer 1.4.
24/7 emergency assistance hotline
Covered
Europ Assistance coordinates all assistance services and organizes fast, competent local support around the clock, 365 days a year, via the emergency hotline +49 (0)89 55987 224.
Key conditions
Assistance call deadline
The T&C do not state a mandatory deadline for calling the 24h emergency hotline; the policyholder must, however, cooperate fully by keeping damage to a minimum, providing complete information, and supplying proof of the trip start date on request under Ziffer 6.
Unauthorized treatment
If the policyholder grossly negligently breaches an obligation, the benefit is reduced proportionally to the degree of fault; in cases of intentional breach, the insurer can refuse the benefit entirely, unless the breach had no influence on the occurrence or assessment of the claim.
Purchase while abroad
An Auslandskrankenversicherung can be concluded up until the start of the trip, but not once the trip has already begun.
Chronic conditions
Treatment needs identified by a doctor before departure for an existing illness are generally excluded, but coverage still applies if the illness worsens unexpectedly during the trip.
Pregnancy
Pregnancy complications, medically necessary termination, miscarriage, stillbirth and premature birth before the 37th week are covered; complications arising from travelling against a doctor's advice are excluded, and delivery after the 36th week without complications is not covered.
Pre-existing condition exclusions
Illnesses for which a doctor determined before travel that treatment or medication would be needed during the trip are excluded, unless the condition unexpectedly worsens during the trip or the trip is due to the death of a close family member.
Coverage duration limit
Coverage is limited to the first 31 days of a single trip abroad; it can be extended without a new contract if the insured is medically unfit to travel or the return journey is impossible for reasons beyond their control, and the contract automatically ends 31 days after the trip begins without any need for cancellation.
Where to buy
Documents
Terms and Conditions - Auslandskrankenversicherung Einmalschutz (VB EA AK ES 2023)
Terms & conditions
IPID - Auslandskrankenversicherung Einmalschutz
IPID
Terms and Conditions - Auslandskrankenversicherung Jahresschutz 2025 (different product variant, annual cover; not used for coverage extraction of this Einmalschutz record)
Other document
Policy specifics
Medical expenses coverage
Covers costs for medically necessary healthcare abroad including doctor visits, hospital treatment, and medications
SourceMedical repatriation
Organization and coverage of medically necessary and justifiable patient transport back to home country
SourceEmergency medical assistance and hotline
24/7 emergency hotline (+49 89 55987 224) for medical guidance, physician referral, and assistance coordination
SourceRescue, search, and recovery
Coverage for search, rescue and recovery operations in case of accident
SourceCoverage territory
Insurance covers travel worldwide outside the insured person's country of residence
SourceEmergency hotline notification requirement
Insured must contact emergency hotline (+49 89 55987 224) in case of medical emergency or accident during travel
SourceTravel warning exclusion
No coverage in countries subject to official travel warnings due to armed conflict
Source