Württembergische Gemeinde-Versicherung a. G. (WGV Group)
WGV
WGV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For inpatient treatment, Europ Assistance 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.
Geographic scope
Worldwide, excluding Germany
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.
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, Europ Assistance still settles payment directly with a local service provider so the traveler is not left to pay upfront.
- Europ Assistance arranges and pays for shipment of needed medication or blood products abroad, even for medicines the traveler already takes regularly.
Coverage limits
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).
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.
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.
Outpatient treatment
Covered
Covers costs for ambulant medical treatments and operations by a doctor or medical professional abroad.
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.
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.
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.
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.
Search, rescue and recovery
€10,000
Covers costs for search, rescue or recovery operations following illness, injury or death, up to a maximum of 10,000 EUR.
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.
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.
Winter sports cover
No limit stated
Not mentioned as a specific benefit or exclusion in the travel medical section of the reviewed documents.
Adventure sports cover
No limit stated
Not mentioned as a specific benefit or exclusion in the travel medical section of the reviewed documents.
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.
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.
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.
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.
Policy specifics
Medical expenses abroad
Coverage for emergency medical treatment, doctor visits, and prescription medications during international travel
SourceEmergency medical transport and repatriation
Coverage for emergency medical transport, patient evacuation, and repatriation to Germany if medically necessary
SourceTrip cancellation protection
Part of Premium Travel Insurance package; reimburses pre-booked travel costs if trip must be cancelled due to covered reasons
SourceTravel luggage protection
Part of Premium Travel Insurance; covers loss, theft, or damage to checked luggage during travel
SourceCoverage territory and exclusions
Worldwide coverage outside Germany; excludes countries where policyholder has permanent residence or is registered as employee
SourceMaximum coverage duration per trip
Premium Travel Insurance provides coverage for single trips up to 60 days; annual policy covers unlimited trips within the year
SourcePremium payment timing for coverage activation
Coverage begins only after premium payment is received; requires advance payment to activate protection
SourceMandatory assistance activation for coverage
Policyholder must contact Europ Assistance 24-hour hotline immediately in case of emergency to activate assistance and ensure coverage
Source