URV Travel insurance (Jahres Travel Paket)
Underwritten by Union Reiseversicherung Aktiengesellschaft · Germany
travel insurance from URV for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024-06-01Sources
Unique selling points
No deductible on the international medical insurance component of the annual Travel Package.
Unlimited number of trips per year, each protected for up to 56 days abroad under a single annual contract.
Business and professional trips are automatically included alongside private travel in the annual package.
Pandemic-related illness treatment costs are explicitly covered, overriding the standard pandemic exclusion.
24-hour, 7-days-a-week emergency hotline offering medical assistance nearly worldwide.
Coverage limits
Medical expenses
Not established from the insurer's documents
Covers medically necessary treatment abroad due to illness, accident or pregnancy complications, including doctor/dentist consultations, hospital treatment, prescribed medicines, remedies and aids. No specific sum insured ceiling is stated in the terms.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir?
Übernommen werden die Kosten für die Wiederherstellung Ihrer Gesundheit nach Krankheit, Unfall oder einer Schwangerschaftskomplikation.
Emergency medical treatment
Not established from the insurer's documents
If the insured falls ill or has an accident abroad, medically necessary emergency treatment is covered; the insurance case begins with treatment and ends when no further need for treatment exists per medical findings.
Section: D. Auslandsreise-Krankenversicherung > § 3 Welche Ereignisse sind versichert?
Alle vorgenannten Versicherungsfälle beginnen mit der Heilbehandlung und enden, wenn nach medizinischem Befund keine Behandlungsbedürftigkeit mehr besteht.
Hospitalization
Not established from the insurer's documents
Inpatient hospital treatment abroad is covered, including surgery and related costs, plus accommodation/meals (and an accompanying person for minors). No cap is stated for the inpatient benefit itself; alternatively, if no reimbursement of inpatient costs is claimed, a hospital daily allowance of EUR 30 per day applies instead.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir?
Unterkunft und Verpflegung bei stationärer Heilbehandlung. Bei stationärer Heilbehandlung eines minderjährigen Kindes werden zusätzlich die Kosten der Mitaufnahme einer Begleitperson erstattet.
Outpatient treatment
Reviewed documents disagree
Covers outpatient consultations and treatments by doctors, dentists, physiotherapists, chiropractors and osteopaths, plus prescribed medicines, remedies (e.g. physiotherapy, inhalations) and aids first needed during the trip. Sources conflict on alternative practitioners (Heilpraktiker): the general AVB (§4) lists Heilpraktiker as covered, while URV's Jahres-Travel-Paket product page lists 'Leistungen des Heilpraktikers/der Heilpraktikerin' among what the package does not pay for.
Section: Was zahlt das Jahres-Travel-Paket nicht?
Leistungen des Heilpraktikers/der Heilpraktikerin
Emergency dental treatment
Not established from the insurer's documents
Pain-relieving dental treatment and simple fillings are covered, including provisional dentures and repairs to existing dentures/prostheses. New dentures, crowns and inlays are excluded. No sum insured ceiling is stated.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir?
Schmerzstillende Zahnbehandlungen durch Zahnärzte und die damit verbundenen notwendigen Zahnfüllungen in einfacher Ausfertigung. Umfasst ist auch die Anfertigung von provisorischem Zahnersatz sowie Reparaturen von Zahnersatz und -prothesen. Nicht jedoch Neuanfertigung von Zahnersatz, Kronen und Inlays.
Medical transport abroad
Not established from the insurer's documents
Transport by rescue services (ambulance, air ambulance) to the nearest suitable hospital, and transfer to another hospital abroad when medically required, is covered without a stated cap. If transport is not via a rescue service (e.g. taxi), reimbursement is limited to EUR 30 per insurance case.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir?
Erfolgt der Transport nicht durch einen Rettungsdienst (z. B. Taxi), ist die Leistung auf einen Rechnungsbetrag von insgesamt 30 Euro je Versicherungsfall begrenzt.
Medical repatriation to home country
Not established from the insurer's documents
URV organizes and covers the cost of a medically sensible and justifiable repatriation transport to Germany (or the insured's country of residence) when, e.g., inpatient treatment is expected to last more than 14 days or treatment costs abroad would exceed transport costs; costs for a necessary accompanying person and return of luggage are also covered.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir?
Ein medizinisch sinnvoller und vertretbarer Rücktransport liegt beispielsweise dann vor, wenn: eine stationäre Behandlung voraussichtlich länger als 14 Tage dauert oder die Kosten der Heilbehandlung im Ausland voraussichtlich die Kosten des Rücktransportes übersteigen würden.
Repatriation of remains / burial abroad
Not established from the insurer's documents
In case of death abroad, URV covers the cost of a burial abroad, or alternatively the cost of repatriation to the last permanent residence in Germany before crossing the border.
Section: D. Auslandsreise-Krankenversicherung > § 4 Welche Kosten übernehmen wir? > 4. Im Todesfall
Versterben Sie während der Reise? Dann übernehmen wir die Kosten einer Bestattung im Ausland.
Search, rescue and recovery costs
Not established from the insurer's documents
If the insured has an accident and needs to be searched for, rescued or recovered by a public-law or private-law rescue service, costs are reimbursed up to a total of EUR 10,000.
Section: D. Auslandsreise-Krankenversicherung > § 7
Dann erstatten wir hierfür die Kosten bis zu insgesamt 10.000 EUR, sofern es sich um öffentlich-rechtliche oder privatrechtliche Rettungsdienste handelt.
COVID-19 / pandemic-related treatment
Not established from the insurer's documents
The general exclusion for pandemic-related damages does not apply to the medical insurance section: URV explicitly states it pays benefits for damages caused by pandemics under the Auslandsreise-Krankenversicherung, so illness treatment costs from a pandemic (e.g. COVID-19) are covered like any other illness abroad.
Section: D. Auslandsreise-Krankenversicherung > § 3 Welche Ereignisse sind versichert?
Abweichend von § 9 Ziff. 1.3 der Allgemeinen Bestimmungen leisten wir bei Schäden durch Pandemien.
Pre-existing conditions
Not established from the insurer's documents
Treatment of an illness already diagnosed before the trip and known to have a considerable likelihood of worsening during the trip is excluded, unless the trip is taken because a spouse/registered partner or first-degree relative has died, or the deterioration of a chronic illness was unexpected.
Section: D. Auslandsreise-Krankenversicherung > § 11 Was ist nicht versichert?
Heilbehandlungen von Erkrankungen, die bereits vor Antritt der Reise diagnostiziert wurden und Ihnen bekannt war, dass eine erhebliche Wahrscheinlichkeit besteht, dass sich Ihr Gesundheitszustand während der Reise verschlechtert.
Winter sports cover
Not established from the insurer's documents
No specific exclusion for winter sports in the conditions; accidents are covered under the general medical benefit, and search, rescue and recovery costs after an accident are covered up to EUR 10,000.
Section: D. Auslandsreise-Krankenversicherung > § 7
Dann erstatten wir hierfür die Kosten bis zu insgesamt 10.000 EUR, sofern es sich um öffentlich-rechtliche oder privatrechtliche Rettungsdienste handelt.
Adventure sports cover
Not established from the insurer's documents
The reviewed terms and conditions do not mention any specific adventure sports provisions or exclusions.
Pregnancy complications
Not established from the insurer's documents
Medically necessary treatment for pregnancy complications is covered, specifically premature births, emergency terminations, and miscarriages. Routine pregnancy, normal childbirth and their consequences are excluded.
Section: D. Auslandsreise-Krankenversicherung > § 3 Welche Ereignisse sind versichert?
wenn Sie in der Schwangerschaft wegen Komplikationen auf medizinisch notwendige Behandlungen angewiesen sind. Zu Komplikationen in der Schwangerschaft zählen: Frühgeburten, notfallbedingte Schwangerschaftsabbrüche, Fehlgeburten.
Personal liability
Not established from the insurer's documents
The Auslandsreise-Krankenversicherung (travel medical) section of this product does not include any personal liability cover.
Legal assistance
Not established from the insurer's documents
Legal/bail assistance (lawyer, interpreter, bail advances) is a benefit of the separate Notfall-Service-Versicherung component, not of the Auslandsreise-Krankenversicherung (travel medical) section.
Section: C. Notfall-Service-Versicherung > § 9 Was ist bei Strafverfolgungsmaßnahmen oder erforderlicher Kontaktaufnahme mit einer Behörde versichert?
Werden Sie verhaftet oder mit Haft bedroht? Dann sind wir bei der Beschaffung eines Anwaltes und eines Dolmetschers behilflich.
24/7 emergency assistance
Not established from the insurer's documents
A 24-hour emergency call service is available nearly worldwide, 7 days a week, for medical assistance, arranging hospital/doctor contacts, repatriation and emergency childcare abroad.
Section: D. Auslandsreise-Krankenversicherung > § 14 Welche Assistance-Leistungen werden unter den in Teil D. aufgeführten Voraussetzungen erbracht?
Unseren 24-Stunden-Notruf-Service erreichen Sie nahezu weltweit 7 Tage die Woche.
Key conditions
Assistance call deadline
In case of inpatient hospital treatment, or before starting extensive diagnostic/therapeutic measures, the insured must contact the Notfall-Service immediately; in all other cases, contact can be made after returning home.
Unauthorized treatment
Intentional breach of the policy's duties (Obliegenheiten), such as failing to notify the emergency service, results in loss of cover; grossly negligent breaches allow URV to reduce the benefit proportionally to the degree of fault.
Purchase while abroad
The policyholder must have their permanent residence in Germany (or, for contracts of up to 4 months, declare the contract from within Germany while residing in the EU/EEA); cover under the travel medical section only begins upon crossing the border abroad, so the policy is intended to be concluded before departure, at booking, or within 30/7 days per the enrollment rules.
Chronic conditions
Unexpected deterioration of the health condition of chronic illnesses during the trip is covered, provided the deterioration was not already expected with considerable likelihood before departure.
Pregnancy
Only pregnancy complications requiring medically necessary treatment (premature birth, emergency termination, miscarriage) are covered; normal pregnancy, delivery and postpartum illnesses are excluded.
Pre-existing condition exclusions
Treatment of illnesses diagnosed before the trip, where a considerable likelihood of worsening during the trip was known, is excluded, with exceptions for the death of a close relative or unexpected chronic-illness deterioration.
Coverage duration limit
Cover under the annual policy applies to each individual trip abroad for up to 56 days; this period does not extend if a new insurance year begins during the trip, but is extended beyond 56 days if the insured cannot be transported home due to a covered medical condition.
Direct payment
The policy generally works on a reimbursement basis: original invoices and prescriptions must be submitted and costs are refunded within 2 weeks after the claim decision. For hospitalization and repatriation, URV directly arranges and settles costs with the treating hospital/transport provider once the 24-hour emergency service has been notified.
Territorial scope
Cover applies only abroad; Germany and the country in which the insured person has a registered residence are not considered abroad.
Documents
Policy specifics
Trip cancellation deductible
Optional deductible of 20% of eligible cancellation costs; the insurance is also available without a deductible.
SourceWir bieten die Reiserücktrittsversicherung mit und ohne Selbstbehalt an. Der Selbstbehalt liegt bei 20 % der erstattungsfähigen Stornokosten.
Maximum trip duration per individual journey
Each covered journey under the annual policy must not exceed 56 days duration
SourceSection: Fragen und Antworten zur Auslandsreisekrankenversicherung > Welche Reisedauer ist versichert?
Reisedauer je Reise maximal 56 Tage.
Enrollment deadline for regular bookings
Annual Travel Package must be purchased at least 30 days before planned trip departure
SourceSection: Fragen und Antworten zu den URV Travel-Paketen > Bis wann muss die Versicherung abgeschlossen werden?
Der Abschluss der Travel-Pakete ist bis 30 Tage vor Reiseantritt möglich.
Enrollment deadline for last-minute bookings
For bookings made less than 30 days before departure, insurance must be purchased within 7 days of booking or on booking day
SourceSection: Fragen und Antworten zu den URV Travel-Paketen > Bis wann muss die Versicherung abgeschlossen werden?
Bei Last-Minute-Buchungen, also 29 Tage vor Reisebeginn, können Sie den Versicherungsschutz bis 7 Tage nach der Buchung Ihrer Reise abschließen.
Pre-existing medical condition exclusion
Medical conditions known and treated within 6 months before insurance purchase or trip booking are excluded from coverage
SourceSection: Was ist nicht abgesichert?
Erkrankungen, die bekannt und in den letzten sechs Monaten vor Versicherungsabschluss oder vor Buchung der Reise behandelt worden sind
Business trips coverage
Annual Travel Package covers both private vacation trips and business/professional travel throughout the year
SourceSection: Fragen und Antworten zu den URV Travel-Paketen > Welche Reisearten sind mit den Travel-Paketen abgesichert?
Im Travel-Jahres-Paket sind auch Geschäftsreisen enthalten.
Coverage only for treatment abroad
Medical coverage only applies to treatment received outside the policyholder's country of residence (Germany) and outside all territories where the policyholder has a registered residence
Source24-hour emergency service
Annual package includes 24-hour emergency service for medical support, rescue coordination, and interpreter assistance
SourceHierunter fallen beispielsweise der 24-Stunden-Notruf-Service, die Zahlungen der Bergungskosten oder die Beschaffung eines Dolmetschers.
Sources
- reiseversicherung-vergleich.infohttps://www.reiseversicherung-vergleich.info/fileadmin/insurances/pdf/urv-reiseversicherung.pdf#page=10(opens in a new tab)
- reiseversicherung-vergleich.infohttps://www.reiseversicherung-vergleich.info/fileadmin/insurances/pdf/urv-reiseversicherung.pdf#page=11(opens in a new tab)
- reiseversicherung-vergleich.infohttps://www.reiseversicherung-vergleich.info/fileadmin/insurances/pdf/urv-reiseversicherung.pdf#page=2(opens in a new tab)
- urv.dehttps://www.urv.de/content/privatkunden/reiseversicherungen/auslandskrankenversicherung/(opens in a new tab)
URV Travel insurance