vigo Krankenversicherung VVaG
vigo
vigo is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The policy operates primarily on a reimbursement basis: insured persons pay providers and submit receipts for refund within 7 working days of claim approval; however, vigo can issue unlimited cost-guarantee confirmations directly to foreign doctors and hospitals via its 24-hour emergency call center.
Geographic scope
Nationwide (available to residents of Germany and certain cross-border commuters)
Worldwide, excluding Germany and the country where the insured person has their permanent residence or habitual abode
Starting price
€47
Indicative — pricing assumptions not stated
Unique selling points
- Unique in the German market: an emissions bonus of up to €100 per trip for travelers using low-emission transport or certified sustainable accommodation.
- vigo compensates the CO2 emissions of any covered medical repatriation flight by funding climate protection projects.
- The insurer commits to investing an amount at least equal to the annual premium volume of this tariff in sustainable investments.
- A distinctive 'other-payer bonus' pays policyholders an extra daily allowance if they choose to claim first with another eligible provider.
- Rated 'sehr gut' (0.5) by Stiftung Warentest for medical benefits in cases of war and pandemics, and named the only top-rated tariff with a sustainability focus.
Coverage limits
Medical treatment expenses abroad
Covered
Reimburses 100% of expenses for medically necessary outpatient and inpatient treatment of illness, accidents (incl. diving accidents/illnesses), pregnancy complications, miscarriage and death occurring abroad; no fixed sum insured cap is stated.
Emergency medical treatment
Covered
The tariff does not define a separate emergency sub-limit; acute illness or accident abroad triggers the insured event and is reimbursed at 100%, supported by a 24-hour multilingual medical hotline for triage and doctor-to-doctor consultation.
Inpatient hospital treatment
Covered
Reimburses 100% of costs for medical services, hospital services, nursing, accommodation, meals and imaging during inpatient treatment; alternatively a €50 daily hospital allowance can be paid instead of expense reimbursement for each day of documented medically necessary inpatient treatment.
Outpatient treatment
Covered
Reimburses 100% of costs for doctors, dentists, alternative practitioners, chiropractors, osteopaths, dressing materials, prescribed medication, Heilmittel (baths, massages, physiotherapy, etc.), imaging, and medically prescribed aids first needed abroad (excluding glasses and hearing aids).
Emergency dental treatment
Covered
Reimburses 100% of costs for pain-relief dental treatment, simple necessary fillings, provisional dentures and repair of existing dentures; new dentures (crowns, bridges, prostheses, implants) and orthodontic measures are not covered.
Local medical transport
Covered
Reimburses 100% of medically necessary transport to the nearest suitable provider or hospital, transfer between providers, and transport back to accommodation.
Medically necessary repatriation transport
Covered
Reimburses 100% of costs for a medically sensible and justifiable repatriation transport to the permanent residence or nearest suitable hospital near home, including for a companion; also covered if inpatient stay reaches 14 days or if local treatment costs would exceed repatriation costs; CO2 emissions of a covered repatriation transport are compensated via climate protection projects.
Repatriation or burial in case of death
Covered
Reimburses 100% of the costs of repatriating a deceased insured person to their permanent residence, or alternatively 100% of the costs of burial in the country of travel.
Search, rescue and recovery
€10,000
Reimburses 100% of expenses for search, rescue and recovery of an insured person in the event of accident, illness or death in the travel country, up to a maximum of €10,000.
COVID-19 treatment
Conditional
No separate COVID-19 clause exists; infection is covered like any other illness arising abroad. Additionally, if a WHO-declared public health emergency of international concern (e.g. a pandemic) prevents return travel, cover extends beyond the standard 8-week trip limit until return is medically/practically possible.
Pre-existing conditions
Conditional
No cover for treatment that was already known before departure, due to a previously diagnosed illness, to be required during the trip (exception: trip taken solely due to the death of a spouse/partner or first-degree relative). However, expenses for treatment caused by the worsening of an existing illness during the trip are reimbursed.
Winter sports cover
No limit stated
No explicit statement on winter sports is made in the reviewed documents.
Adventure sports cover
No limit stated
No general adventure sports clause is stated; only diving accidents/illnesses are explicitly named as an insured event.
Pregnancy complications and premature birth
Covered
Reimburses 100% of expenses for medically necessary examinations/treatment for pregnancy complications, miscarriage, medically necessary termination, and delivery/premature birth up to the end of the 36th week, including repatriation of mother and newborn; treatment/examination for a normal-course pregnancy and delivery is excluded.
Personal liability
No limit stated
Not mentioned; this is a travel health insurance product and no liability benefit is described.
Legal assistance
No limit stated
Not mentioned in the reviewed documents.
24/7 emergency assistance hotline
Covered
A 24-hour emergency call center (+49 211 355900-18) staffed by multilingual doctors is available for medical clarification, organizing repatriation transport, cost-guarantee confirmations to foreign providers, and assistance in case of death abroad.
Key conditions
Assistance call deadline
The terms do not state a fixed deadline for calling the emergency hotline before treatment; however, using the 24-hour call center is recommended for organizing repatriation transport and cost-guarantee confirmations.
Unauthorized treatment
No specific monetary penalty for treatment obtained without prior notification is stated; general obligations (§6 AVB) require providing information and evidence needed to assess the claim, and breach of these obligations can lead to partial or full loss of benefits under §28 VVG.
Purchase while abroad
The contract must be concluded before the start of the trip; if concluded while already abroad, there is no cover for that trip. The policy can still be taken out on the day of departure while still in Germany (e.g. at the airport).
Chronic conditions
Treatment known before departure to be required due to a previously diagnosed illness is excluded, but treatment caused by the worsening of an existing (chronic) illness during the trip is reimbursed.
Pregnancy
Pregnancy complications, miscarriage, medically necessary termination, and delivery/premature birth up to the end of week 36 are covered at 100%; examinations and treatment for a normal-course pregnancy and delivery are excluded.
Pre-existing condition exclusions
Treatment for a condition already diagnosed before travel, which was foreseeably going to require treatment during the trip, is excluded (exception for trips undertaken solely due to a close relative's death); worsening of an existing condition during the trip is covered.
Coverage duration limit
Cover applies to trips of up to 56 days (8 weeks) each; there is no limit on the number of trips per year. Cover extends beyond 8 weeks if treatment begun abroad must continue, or if a WHO-declared health emergency prevents return travel.
Where to buy
Policy specifics
Sustainability bonus for low-emission travel
Daily allowance of €20 per treatment day for trips using low-emission transport or certified sustainable accommodations, maximum €100 per trip
SourceHospital daily allowance
€50 daily allowance for each day of documented medically necessary full-time inpatient treatment
SourceSource no longer reachableRooming-in for accompanying parent with child
Coverage for accommodation and meals of an insured parent accompanying an insured minor child during inpatient treatment
SourceSource no longer reachableHotel accommodation reimbursement for fellow travelers
Reimbursement for up to 10 hotel nights for other insured fellow travelers if their planned stay is interrupted or extended due to the insured person's hospitalization, maximum €2,500
SourceSource no longer reachableExtended coverage for treatment continuation beyond 8 weeks
If treatment begun abroad must continue beyond the standard 8-week trip duration, coverage extends until return journey is medically feasible; also extends if WHO-declared health emergency prevents return
SourceSource no longer reachableBonus for claiming with another provider first
If the insured has claims against several possible providers, choosing to first claim with another provider triggers an extra daily allowance bonus (€20/treatment day, €50/day of repatriation), capped at €100 per trip and limited to the other provider's reimbursement amount
SourceSource no longer reachableMaximum individual trip duration
Coverage valid for trips up to 56 days (8 weeks) per trip; full rejection if planning longer trip
SourceCoverage territory (worldwide)
Covers trips worldwide; excludes Germany and the country where insured person has permanent residence
SourceFamily coverage under ARN.Single
ARN.Single covers only the named insured person; spouse and children not automatically included and must be separately insured if desired
SourceFamily coverage under ARN.Familie
ARN.Familie automatically covers: principal insured, spouse/life partner (if in same household), and children (including adopted, foster, step-children) up to age 25; premium based on oldest insured person's age, not per-person
SourceCriteria for sustainability bonus eligibility
Bonus applies only if: (1) trip used low-emission transport for outbound/return journey OR (2) accommodation was sustainability-certified; eligible low-emission transport listed on www.vigokv.de/auslandsreise at time of trip start; only principal transport mode for arrival/departure considered
SourceMinimum contract duration
Contract has minimum contract duration (Mindestvertragsdauer); automatic renewal after minimum period unless terminated
SourceSource no longer reachable