LVM Travel insurance (Auslandsreise Top)

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.

Covers medically necessary examinations and treatment by a doctor of the insured's choice abroad, with free choice of doctor, dentist and hospital.

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.

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.

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.

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.

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.

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.

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.

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.

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 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 or extreme sports are not addressed as a separate item in the reviewed AVB (KV 169, 04/2026) or the product page.

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.

This travel medical policy (ARTop) does not include personal liability cover; it is not mentioned in the AVB or on the product page.

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.