Extracted from source documents

WGV Travel insurance (Premium Reiseversicherung Jahresschutz)

Underwritten by Redion SA, Niederlassung für Deutschland · Germany

travel insurance from WGV for the Germany market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2024-01-01Sources

Online purchase24/7 helpline

Unique selling points

Free telemedicine consultations by phone or video with qualified medical staff are arranged on request before or during the trip.

Policyholders can opt for a 50 EUR per day hospital cash benefit instead of itemized cost reimbursement during inpatient stays.

Up to five psychotherapy sessions are covered after a confirmed trauma from crime, accident, terrorism or the death of a travel companion abroad.

If a hospital does not accept the direct cost guarantee, Redion still settles payment directly with a local service provider so the traveler is not left to pay upfront.

Redion arranges and pays for shipment of needed medication or blood products abroad, even for medicines the traveler already takes regularly.

Coverage limits

Covered

Medical expenses abroad

Covered

Covers medically necessary treatment costs for illness or accident while abroad; no overall sum insured is stated in the policy wording, but treatment by chiropractors, osteopaths and Heilpraktiker is capped at 500 EUR without a doctor's prescription (unlimited with a prescription).

Clause 2.7Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2. Welche Leistungen und Kosten übernehmen wir? > 2.7 Behandlungen durch Chiropraktiker, Osteopathen und Heilpraktiker

Ohne ärztliche Verordnung übernehmen wir Behandlungs- und Sachkosten bis maximal 500 €. Wenn Sie eine ärztliche Verordnung haben, ist die Summe unbegrenzt.

Covered

Emergency medical treatment

Covered

Covers costs of outpatient treatment and operations by a doctor and medical professionals for illness or accident occurring during the trip.

Clause 2.2Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2. Welche Leistungen und Kosten übernehmen wir? > 2.2 Ambulante Behandlungen

Wir übernehmen die Kosten für Behandlungen und Operationen durch einen Arzt und durch medizinisches Fachpersonal.

Covered

Inpatient/hospitalization treatment

Covered

Covers treatment and operations in hospital, accommodation and meals, and travel costs for a close person if the insured must stay in hospital for more than five days; alternatively a daily cash benefit of 50 EUR per day of hospitalization can be chosen instead of cost reimbursement.

Clause 2.3Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2. Welche Leistungen und Kosten übernehmen wir? > 2.3 Stationäre Behandlungen

Alternativ zu unserer Erstattung der Kosten einer stationären Behandlung können Sie sich für ein Tagegeld entscheiden. Wir zahlen 50 € für jeden Tag, an dem Sie stationär behandelt werden.

Covered

Outpatient treatment

Covered

Covers costs for ambulant medical treatments and operations by a doctor or medical professional abroad.

Clause 2.2Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2. Welche Leistungen und Kosten übernehmen wir? > 2.2 Ambulante Behandlungen

Wir übernehmen die Kosten für Behandlungen und Operationen durch einen Arzt und durch medizinisches Fachpersonal.

Covered

Emergency dental treatment

Covered

Covers pain-relieving dental treatment, simple fillings, repairs of inlays, dentures and fixed braces, and provisional dentures; orthodontic treatment, permanent dentures, crowns and post crowns are excluded.

Clause 2.6Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2. Welche Leistungen und Kosten übernehmen wir? > 2.6 Zahnärztliche Behandlungen

Wir übernehmen die Kosten für: schmerzstillende Zahnbehandlungen, Zahnfüllungen in einfacher Ausführung, Reparaturen von Einlagefüllungen, Reparaturen von Zahnersatz und Zahnprothesen, Reparaturen von festen Zahnspangen, provisorischen Zahnersatz

Covered

Local medical transport

Covered

Covers transport to the nearest suitable hospital or doctor for initial treatment, transfer transport for further treatment where medically sensible, and the return transport to the insured's accommodation; other transport such as taxis is capped at 50 EUR per claim.

Clause 2.11Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.11 Krankentransporte vor Ort

Wir übernehmen die Kosten für Kranken- oder Rettungstransporte in den nachstehenden Fällen: 2.11.1 Transport zur Erstversorgung zum nächstgelegenen, geeigneten Krankenhaus oder Arzt.

Covered

Medical repatriation from abroad

Covered

Organizes and covers the cost of transport back to Germany when adequate local medical care is unavailable, when it is medically sensible to continue treatment in Germany, or when inpatient treatment is expected to last more than 14 days; costs for a companion (medically necessary or not) and transport of luggage to Germany are also covered.

Clause 2.12Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.12 Krankenrücktransport aus dem Ausland

Wir transportieren Sie zurück, wenn: Sie vor Ort nicht angemessen medizinisch versorgt werden können (Krankenrücktransport bei medizinischer Unterversorgung).

Covered

Repatriation of remains

Covered

In the event of death abroad, covers transport of the body to the place of burial in Germany in a coffin, or cremation abroad and transport of the urn to Germany, or burial abroad up to the cost that a repatriation would have incurred; luggage transport to Germany is also covered.

Clause 2.14Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.14 Leistungen im Todesfall

Es kommt während der Reise zu einem Todesfall. Wir übernehmen die Kosten für: 2.14.1 die Überführung des Leichnams zum Bestattungsort in Deutschland in einem Sarg.

Covered

Search, rescue and recovery

€10K

Covers costs for search, rescue or recovery operations following illness, injury or death, up to a maximum of 10,000 EUR.

Clause 2.13Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.13 Suche, Rettung oder Bergung

Wir übernehmen die Kosten bis maximal 10.000 € für Ihre Suche, Rettung oder Bergung.

COVID-19 treatment

No limit stated

The travel medical (Auslandskrankenversicherung) section does not specifically mention COVID-19 treatment; epidemic/pandemic infection is addressed only under the trip cancellation module of the bundle.

Excluded

Pre-existing medical conditions

Excluded

Excluded if, before departure, a doctor determined that the insured would need treatment or medication for a known condition during the trip; benefits are still paid if the condition unexpectedly worsens during the trip, or if the trip is undertaken due to the death of a parent, child or partner.

Clause 3.2Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 3. Was ist nicht versichert, was ist ausgeschlossen?

Ihr Arzt hat vor Reiseantritt festgestellt, dass Sie während der Dauer der Reise wegen einer Erkrankung behandelt werden müssen oder Arzneimittel benötigen. Wir leisten aber dennoch, wenn: 3.2.1 sich diese Erkrankung während der Reise verschlechtert.

Winter sports cover

No limit stated

No separate winter sports clause; winter sports accidents abroad are covered like any other accident under the travel medical cover.

Adventure sports cover

No limit stated

No separate adventure sports clause; adventure sports accidents abroad are covered like any other accident under the travel medical cover.

Covered

Pregnancy complications

Covered

Covers medical care for pregnancy complications, medically necessary termination, miscarriage or stillbirth, and delivery before the 37th week (premature birth, including care for the newborn); a regular delivery is covered only if the return trip could not be undertaken for reasons covered elsewhere in the policy.

Clause 2.8Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.8 Leistungen bei Schwangerschaft

Wir übernehmen die Kosten der medizinischen Versorgung, wenn: 2.8.1 es zu Komplikationen in Ihrer Schwangerschaft kommt.

Personal liability abroad

No limit stated

Not part of the travel medical (Auslandskrankenversicherung) module covered by these documents.

Legal assistance

No limit stated

Not part of the travel medical (Auslandskrankenversicherung) module; legal/interpreter cost advances for detention only exist within the trip cancellation module of the bundle.

Covered

24/7 emergency assistance

Covered

Europ Assistance provides a 24-hour, 365-day emergency hotline (+49 (0)89 55987 224) for medical assistance abroad, including organizing medical services, contacting the family doctor, translating diagnoses, and reimbursing telephone costs for calls to the emergency service.

Page 1

Section: Versicherungsbedingungen > 24h-Notfallnummer

24h-Notfallnummer: +49 (0)89 55987 224

Key conditions

Assistance call deadline

There is no blanket requirement to call before every treatment, but the insured must inform Europ Assistance before being transported home under the German repatriation module, and generally must keep damage low and inform the insurer fully to establish the claim.

Unauthorized treatment

If the policyholder breaches a contractual duty through gross negligence, the benefit is reduced proportionally to the severity of fault; if the breach is intentional, the insurer may refuse the benefit entirely, unless the breach had no impact on the occurrence or the extent of the claim.

Purchase while abroad

Insured persons and the policyholder must have their habitual residence in Germany; the contract can be concluded at any time, but the travel medical cover only applies to trips undertaken after departure from Germany.

Chronic conditions

Cover is excluded if a doctor determined before departure that treatment or medication would be needed abroad for an existing condition, unless the condition unexpectedly worsens during the trip or the trip is due to the death of a close relative.

Pregnancy

Pregnancy complications, medically necessary termination, miscarriage/stillbirth, and premature birth before the 37th week are covered, including care for the newborn; a normal delivery is covered only if the return home was prevented for a covered reason.

Pre-existing condition exclusions

Treatment for a condition that a doctor confirmed before departure would require care or medication during the trip is excluded, with exceptions for unexpected worsening during the trip or travel due to the death of a parent, child or partner.

Coverage duration limit

Travel medical cover applies for the first 60 days after the start of each trip; the annual policy covers an unlimited number of trips per year, and cover is extended automatically if the return is delayed for reasons beyond the insured's control.

Direct payment

For inpatient treatment, Redion issues a cost guarantee (Kostenübernahmegarantie) directly to the hospital via its worldwide emergency service; if a hospital does not accept the guarantee, payment is settled directly through a local service provider, and the same direct settlement applies when organizing medical repatriation.

Territorial scope

The travel medical component provides no cover in Germany or in countries where the insured person has their habitual residence or is registered as an employee.

Documents

Terms and Conditions - Premium Reiseversicherung Jahresschutz (VB EA PR JS 2023) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - Premium Reiseversicherung (opens in a new tab)

Product information sheet · PDF

Policy specifics

Medical expenses abroad

Coverage for emergency medical treatment, doctor visits, and prescription medications during international travel

SourceClause 2.4Page 10

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.4 Arzneimittel und Verbandsmaterial

Wir übernehmen die Kosten für ärztlich verordnete Arzneimittel und Verbandsmaterial.

Emergency medical transport and repatriation

Coverage for emergency medical transport, patient evacuation, and repatriation to Germany if medically necessary

SourceClause 2.12Page 11

Section: II. Umfang des Versicherungsschutzes > C. Auslandskrankenversicherung > 2.12 Krankenrücktransport aus dem Ausland

Wir transportieren Sie zurück, wenn: Sie vor Ort nicht angemessen medizinisch versorgt werden können (Krankenrücktransport bei medizinischer Unterversorgung).

Coverage territory and exclusions

Worldwide coverage outside Germany; excludes countries where policyholder has permanent residence or is registered as employee

SourcePage 2

Section: I. Allgemeine Regelungen zum Versicherungsvertrag > 1. Was ist versichert?

In der Auslandskrankenversicherung besteht jedoch kein Versicherungsschutz in Deutschland und in Ländern, in denen Sie Ihren gewöhnlichen Aufenthalt haben oder als Arbeitnehmer gemeldet sind.

Maximum coverage duration per trip

Premium Travel Insurance provides coverage for single trips up to 60 days; annual policy covers unlimited trips within the year

SourcePage 2

Section: I. Allgemeine Regelungen zum Versicherungsvertrag > 1. Was ist versichert?

Versichert sind in der Premium Reiseversicherung alle privat und beruflich veranlassten Reisen bis maximal 60 Tage.

Premium payment timing for coverage activation

Coverage begins only after premium payment is received; requires advance payment to activate protection

Source

Mandatory assistance activation for coverage

Policyholder must contact Europ Assistance 24-hour hotline immediately in case of emergency to activate assistance and ensure coverage

Source

Section: FAQ zur Auslandskrankenversicherung

Bei Unfall oder Krankheit während der Reise rufen Sie unbedingt unser 24h-Notfall-Telefon an: +49 (0)89 55 987 224 . Wir helfen Ihnen sofort – immer und überall! Außerdem garantieren wir so, dass Sie alle Leistungen Ihrer Auslandskrankenversicherung erhalten.

Sources

WGV Travel insurance

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