LVM Landwirtschaftlicher Versicherungsverein Münster a.G. (LVM Insurance Group)
LVM
LVM is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For inpatient hospital treatment, LVM issues a cost-guarantee directly to the hospital and settles the bill by direct billing, so the insured does not need to pay upfront.
Geographic scope
Worldwide (abroad)
Coverage applies worldwide outside Germany and outside any country in which the insured has their habitual residence or permanent domicile.
Starting price
€21
Indicative — pricing assumptions not stated
Unique selling points
- The LVM Notfall App connects travellers to a doctor in Germany via video consultation and includes geolocation so the exact location can be shared in an emergency.
- For inpatient hospital treatment, LVM provides a direct cost-guarantee and settles the bill directly with the hospital, so travellers don't need to pay upfront.
- LVM's private health insurance business, including this travel product, was rated "Exzellent" (A++) by the independent rating agency ASSEKURATA in September 2025.
- FOCUS-MONEY named LVM the "fairest private health insurer" in its April 2026 customer survey.
- Cover can be extended beyond the standard 8 weeks up to a total of 365 days per trip on request before departure.
Coverage limits
Medical expenses (overall)
Covered
LVM reimburses medically necessary treatment abroad due to illness, accident, worsening of an existing illness, or pregnancy complications; the AVB states no fixed monetary cap, benefits are based on medical necessity.
Emergency medical and dental treatment
Covered
Covers medically necessary examinations and treatment by a doctor of the insured's choice abroad, with free choice of doctor, dentist and hospital.
Hospitalization (inpatient treatment)
Covered
Covers physician services, general hospital services, operations and ancillary costs, accommodation and board, and rooming-in accommodation for an accompanying person if the patient is a minor; if a third party pays the inpatient bill, LVM instead pays a hospital daily allowance of EUR 30 per day.
Outpatient treatment
Covered
Covers medical examinations, medically necessary outpatient treatment, prescribed medicines, dressings and remedies, and the hire (or purchase, if hire is impossible) of medically necessary aids first required during the trip.
Emergency dental treatment
Covered
Covers pain-relieving conservative dental treatment, simple fillings, simple provisional dentures (e.g. crowns, bridges) and denture repairs; routine dental prophylaxis, periodontal treatment, new dentures/implants, inlays/onlays and orthodontics are excluded.
Transport to nearest doctor or hospital
Covered
Covers the medically necessary transport to the nearest reachable doctor or hospital suitable for treatment, including transfer to another suitable hospital if the first one proves unsuitable for medical reasons.
Medical repatriation transport
Covered
Covers the cost of medical repatriation transport when it is medically advisable, when necessary inpatient treatment is expected to last more than 2 weeks, when treatment costs abroad are expected to exceed repatriation costs, or when adequate medical treatment is not available locally or within reasonable distance; return is to a hospital or another place in the country of habitual residence. Extra costs for an accompanying person are also covered if that person is likewise insured with LVM.
Repatriation of remains or burial abroad
Covered
If the insured dies abroad, LVM pays, at the policyholder's choice, either the cost of repatriating the body to a place in the country of last habitual residence or the cost of burial abroad.
Search, rescue and recovery costs
€25,000
Covers the costs incurred if the insured falls ill, has an accident, or dies during the trip abroad and must, as a result, be searched for, rescued or recovered, up to EUR 25,000 per insured event.
Covid-19 treatment
No limit stated
No dedicated Covid-19 clause is stated in the current KV 169 (04/2026) terms or on the reviewed product page; general illness-treatment cover under §3/§4 would apply as for any other illness.
Pre-existing conditions
Conditional
The unforeseen worsening of an existing illness during the trip is a covered insured event, but no benefits are paid for events that the insured already knew, based on a medical diagnosis made before departure, would occur during the trip (exception: death of a spouse or first-degree relative).
Winter sports cover
No limit stated
Winter sports are neither explicitly included nor excluded in the reviewed AVB (KV 169, 04/2026) or on the product page; medically necessary treatment for accidents generally would fall under the standard illness/accident cover.
Adventure sports cover
No limit stated
Adventure or extreme sports are not addressed as a separate item in the reviewed AVB (KV 169, 04/2026) or the product page.
Pregnancy complications
Covered
Covers medically necessary treatment for pregnancy complications, delivery in case of premature birth (including costs until mother and newborn are fit to travel and care of the newborn), medically necessary treatment for miscarriage, and medically necessary termination of pregnancy; routine pregnancy check-ups, normal prenatal care and a normally progressing delivery are excluded.
Personal liability abroad
No limit stated
This travel medical policy (ARTop) does not include personal liability cover; it is not mentioned in the AVB or on the product page.
Legal assistance abroad
No limit stated
This travel medical policy (ARTop) does not include legal assistance/legal protection cover; it is not mentioned in the AVB or on the product page.
24/7 telephone assistance service
Covered
LVM provides a telephone service available 24 hours a day, 365 days a year, that names clinics and doctors abroad, organizes medical repatriation, burial or repatriation, childcare, an interpreter service, and provides a cost-guarantee with direct billing for hospitals; emergencies can be reported via the LVM Notfall App or the phone number +49 251 702 4710.
Key conditions
Assistance call deadline
The AVB does not set a fixed deadline for reporting an emergency; LVM states it is reachable around the clock via the LVM Notfall App or the phone number +49 251 702 4710.
Unauthorized treatment
LVM may reduce benefits to a reasonable amount if treatment exceeds the medically necessary level or costs are strikingly disproportionate to the services rendered; benefits may also be reduced or refused if the insured breaches contractual duties under §28 VVG.
Purchase while abroad
If the contract is concluded while the policyholder is already on a trip abroad, no cover exists for that ongoing trip; coverage only applies to a new trip started after the contract begins.
Chronic conditions
A deterioration of an existing illness during the trip is a covered insured event, but no benefits are paid if, based on a medical diagnosis made before departure, the insured already knew that the event would occur during the trip.
Pregnancy
Medically necessary treatment for pregnancy complications, premature birth, miscarriage and medically necessary termination of pregnancy is covered; routine pregnancy check-ups, normal prenatal care and a normally progressing delivery are excluded.
Pre-existing condition exclusions
Benefits are excluded for insured events that the insured already knew, based on a medical diagnosis made before the trip, would occur during the trip (exception: death of a spouse or first-degree relative); an unforeseen worsening of an existing condition remains covered.
Coverage duration limit
Cover applies to the first 8 weeks of a trip abroad; an extension can be requested before departure and the total cover period can be extended to a maximum of 365 days.
Where to buy
Policy specifics
Maximum duration per trip
Travel health insurance covers up to 8 weeks per trip; longer trips require separate extended coverage
SourceSearch, rescue and recovery costs limit
Search, rescue and recovery costs are covered up to a maximum of EUR 25,000
SourceMedical repatriation transport
Covers medically necessary transport and medically appropriate repatriation; includes costs for medically reasonable transport when foreign treatment does not meet German standards
SourceDeath benefits (burial or repatriation)
Upon death during travel, covers burial costs at destination or repatriation costs to home country
SourceGermany excluded from abroad coverage
Germany is explicitly not considered abroad under this policy, meaning no coverage applies for medical treatment in Germany even if policy is otherwise active
Source24/7 emergency notification requirement
In urgent cases, insureds must notify LVM immediately via LVM Emergency App or phone +49 251 702 4710; notification in emergencies is round-the-clock available
SourceNo deductible
LVM travel health insurance is offered without deductible; insured receives full coverage without co-payment requirement
Source