TravelSecure Travel insurance (Travelsecure Auslandsreisekrankenversicherung 365)
Underwritten by Würzburger Versicherungs-AG · Germany
travel insurance from TravelSecure for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-12Sources
Unique selling points
TravelSecure was voted first place for travel medical insurance in the 2026 VEMA broker survey (rating: very good).
Covers trips of up to 365 consecutive days abroad, well beyond typical short-trip travel medical policies.
Reimburses search, rescue and recovery costs up to 15,000 EUR per case.
Also reimburses recognised alternative methods such as homeopathy and acupuncture for pain, up to the cost of conventional treatment.
24/7 worldwide emergency hotline can issue direct cost-coverage guarantees to hospitals for inpatient treatment.
Coverage limits
Medical expenses coverage
Covered
Covers medically necessary treatment following illness or accident occurring during the trip, including outpatient and inpatient care, medication and remedies; the T&Cs do not state an overall monetary cap for these costs.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.1 Was leisten wir, wenn Sie ambulant behandelt werden müssen?
Wir erstatten die Kosten für: – medizinisch notwendige ambulante ärztliche Heilbehandlungen.
Emergency medical treatment
Covered
A covered insured event is medically necessary treatment for an illness or the consequences of an accident occurring on the trip; treatment begins with the medical care and ends once no further treatment is medically indicated.
Section: 2.1 Welche allgemeinen Regelungen gelten zur Auslandsreisekrankenversicherung? > 2.1.2 Was ist ein Versicherungsfall?
Ein Versicherungsfall ist die medizinisch notwendige Heilbehandlung wegen: – einer Erkrankung; – den Folgen eines Unfalls. Dieser beginnt mit der Heilbehandlung. Er endet, wenn nach medizinischem Befund keine Behandlung mehr notwendig ist.
Hospitalization / inpatient treatment
Covered
Covers inpatient treatment costs including accommodation, meals and nursing care, transport to the nearest suitable hospital, and necessary operations and related costs; accommodation for an accompanying person is covered if the insured is under 18. As an alternative to cost reimbursement, a hospital cash benefit of 30 EUR per day of full inpatient stay can be chosen instead.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.2 Was leisten wir, wenn Sie stationär behandelt werden müssen?
Wir erstatten die Kosten für 2.2.2.1 die Heilbehandlung im Krankenhaus. Hierzu zählen auch: – Unterkunft; – Verpflegung; – Pflege im Krankenhaus.
Outpatient treatment
Covered
Covers medically necessary outpatient medical treatment costs and the necessary transport to the nearest suitable hospital or doctor for initial treatment, including transport back to the accommodation.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.1 Was leisten wir, wenn Sie ambulant behandelt werden müssen?
den notwendigen Transport zum nächst erreichbaren und aus medizinischer Sicht geeigneten Krankenhaus bzw. Arzt. Sofern es sich um eine erforderliche Erstversorgung handelt. Der Transport zurück in die Unterkunft ist ebenfalls mitversichert.
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings, provisional dentures, and repairs of necessary inlays and existing dentures; excludes crowns, new dentures, orthodontic, implantological and prophylactic dental services.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.4 Was leisten wir, wenn Sie zahnärztlich behandelt werden müssen?
Wir erstatten die Kosten für: – schmerzstillende Zahnbehandlungen; – notwendige Zahnfüllungen in einfacher Ausführung; – provisorischen Zahnersatz; – Reparaturen von notwendigen Inlays und vorhandenem Zahnersatz.
Medical transport (local)
Covered
Covers the necessary transport to the nearest suitable hospital or doctor for first treatment or transfer to inpatient care, and the transport back to the accommodation.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.1 Was leisten wir, wenn Sie ambulant behandelt werden müssen?
den notwendigen Transport zur Verlegung von der Einrichtung der Erstversorgung zu einem Krankenhaus bzw. Arzt.
Medical repatriation / evacuation
Covered
Organises and pays for repatriation to the nearest suitable hospital at the place of residence if it is medically sensible and justifiable, if the treating doctor expects the hospital stay abroad to exceed 14 days, or if further treatment abroad would cost more than the repatriation; transport costs of an accompanying co-insured person are also covered.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.8 Was leisten wir bei einem Rücktransport?
Der Rücktransport ist medizinisch sinnvoll und vertretbar. – Nach der Prognose des behandelnden Arztes übersteigt die Dauer der Behandlung im Krankenhaus im Ausland voraussichtlich 14 Tage. – Die weitere Heilbehandlung im Ausland kostet voraussichtlich mehr als der Rücktransport.
Repatriation of remains
Covered
Organizes the transport of a deceased insured person to their permanent residence and covers the additional costs; alternatively covers burial at the place of death up to the amount that a repatriation would have cost. No specific monetary cap is stated for the repatriation itself.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.10 Was leisten wir, wenn der Versicherte stirbt?
Wir organisieren die Überführung des Verstorbenen an seinen ständigen Wohnsitz und übernehmen die zusätzlichen Kosten dafür. Alternativ erstatten wir die Kosten, um den Verstorbenen im Reiseland zu bestatten. Höchstens die Kosten, die bei einer Überführung entstanden wären.
Search, rescue and recovery costs
€15K
Reimburses costs for search, rescue and recovery operations by rescue services abroad following an accident or death, up to 15,000 EUR.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.9 Was leisten wir bei einer Bergung?
Wir erstatten hierfür die Kosten bis zu einem Betrag von 15.000 EUR.
COVID-19 treatment
Covered
The current T&Cs contain no pandemic-specific exclusion, so medically necessary treatment for illness (including COVID-19) is covered under the general illness/accident provisions, subject to the same general limitations and exclusions in section 2.3.
Pre-existing conditions
Conditional
No benefit is paid for treatment whose necessity was already established before departure and which resulted from an illness already medically diagnosed before the trip, unless the trip was undertaken due to the death of a spouse/partner or a first-degree relative; medically necessary treatment for an unforeseen worsening during the trip is otherwise covered.
Section: 2.3 Wann leisten wir nicht oder eingeschränkt? > 2.3.2 In welchen Fällen leisten wir nicht?
Für Behandlungen, – deren Notwendigkeit bei Reiseantritt feststand und – die wegen einer bereits vor Reiseantritt ärztlich diagnostizierten Erkrankung erfolgten.
Winter sports cover
Covered
The T&Cs contain no specific exclusion or separate limit for winter sports as a leisure activity; only persons who work professionally as athletes during the trip are excluded from insurability.
Adventure/hazardous sports cover
Covered
No specific exclusion for leisure adventure sports is stated in the T&Cs; accident-related rescue and treatment costs remain covered under the general provisions, while professional athletes and certain other physically active occupations are excluded from insurability.
Pregnancy complications
Covered
Covers medically necessary examinations/treatment for pregnancy complications, treatment following miscarriage, medically necessary termination, and delivery up to the end of the 36th week; if a premature birth occurs before the end of week 36, treatment of the newborn (if insured with this insurer) is covered up to 50,000 EUR.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.7 Was leisten wir bei einer Frühgeburt?
Bei einer Frühgeburt vor Ende der 36. Schwangerschaftswoche ersetzen wir auch die Kosten für die notwendige Heilbehandlung des neugeborenen Kindes. Sofern das Neugeborene über uns versichert wird. Die Kostenerstattung ist auf einen Betrag von 50.000 EUR begrenzt.
Personal liability
Excluded
Personal liability abroad is not addressed by this travel medical insurance's T&Cs; it is not a benefit of this product.
Legal assistance
Excluded
Legal assistance/legal protection abroad is not addressed by this travel medical insurance's T&Cs; it is not a benefit of this product.
24/7 emergency assistance service
Covered
A 24/7 emergency phone service is available for organizing medical assistance, arranging hospital cost-coverage guarantees, information services, and transmitting messages to family; reachable at +49 (0) 931 2795 255.
Section: 2.2 Was leisten wir im Versicherungsfall? > 2.2.12 Welchen zusätzlichen Service bieten wir? > 2.2.12.6 Notrufservice
Für die unter Ziffer 2.2.12 genannten Leistungen sind wir rund um die Uhr telefonisch für Sie erreichbar. Die Rufnummer lautet: +49 (0) 931 2795 255
Key conditions
Assistance call deadline
No specific hour-based deadline for calling the emergency service is stated in the current T&Cs; the insured must keep the claim as small as possible, provide correct and complete information, and undergo an examination by a doctor appointed by the insurer if required.
Unauthorized treatment
Intentional breach of contractual duties (e.g. false statements, withholding requested documents) leads to loss of the benefit claim; grossly negligent breach allows the insurer to reduce the benefit proportionally to the severity of fault.
Purchase while abroad
The contract must be concluded at the latest one day before the start of the trip; the T&Cs for this product do not provide for taking out the policy after the trip has already begun.
Chronic conditions
Treatment for a chronic condition is excluded only where its necessity was already established before departure and it results from an illness already diagnosed before the trip; otherwise medically necessary treatment during the trip is covered.
Pregnancy
Coverage during pregnancy is limited to medically necessary examinations/treatment for complications, miscarriage, medically necessary termination, and delivery up to the end of week 36; routine, uncomplicated prenatal care is not the subject of this benefit.
Pre-existing condition exclusions
No benefit is paid for treatment whose necessity was already established before departure due to an illness already medically diagnosed before the trip, except when the trip was made due to the death of a spouse/partner or first-degree relative.
Coverage duration limit
Cover lasts for the agreed period, up to a maximum of 365 days; if the return is delayed for reasons beyond the insured's control (e.g. inability to travel, force majeure), cover is extended until the end of the trip without a fixed additional day limit stated.
Direct payment
Benefits are reimbursed directly to the insured person upon submission of original invoices and required proof; for inpatient hospital treatment the insurer's 24/7 emergency service can also issue a direct cost-coverage guarantee to the hospital.
Territorial scope
Coverage applies worldwide outside Germany, i.e. outside the country where the insured person has their permanent residence
Documents
Policy specifics
Worldwide medical expenses coverage
Covers necessary medical costs including doctor visits, hospital treatment, medications, and medical devices following accident or illness during travel
SourceSection: Leistungen
Wir übernehmen jedoch grundsätzlich die Kosten für medizinisch notwendige Behandlungen im Ausland, egal ob ambulant oder stationär sowie die Kosten für einen dringenden Rücktransport .
Medical repatriation / evacuation
Covers costs for medically necessary and justified transport back to home country, including emergency evacuation if treatment duration exceeds 14 days
SourceSection: Leistungen
Wir übernehmen jedoch grundsätzlich die Kosten für medizinisch notwendige Behandlungen im Ausland, egal ob ambulant oder stationär sowie die Kosten für einen dringenden Rücktransport .
Limited dental treatment coverage
Covers pain-relieving dental treatment and simple fillings as well as denture repairs
SourceSchmerzstillende Zahnbehandlungen und Zahnfüllungen in einfacher Ausführung sowie Reparaturen von Zahnersatz
Companion care reimbursement
Covers the transport costs of a co-insured person accompanying the insured on a repatriation, and hospital accommodation and meals for a companion if the insured person is under 18
SourceKostenübernahme für eine mitversicherte Begleitperson (sofern medizinisch notwendig)
Rescue and recovery costs
Covers costs for rescue operations following accident, increased from 10,000 EUR to 15,000 EUR as of September 2025
SourceSection: Pressemitteilung August 2025 > TravelSecure passt den Auslandskrankenschutz an die aktuellen Marktanforderungen an.
Bergungskosten: Die Leistung für Bergungskosten erhöht sich von 10.000 € auf 15.000 €.
Worldwide coverage excluding home country
Coverage applies for insured events occurring during the trip outside Germany, defined as any country in which the insured has no permanent residence.
SourceClause 1.1.4Page 2Section: 1.1 Welchen Schutz bietet diese Versicherung? > 1.1.4 Welche Reisen sind versichert?
Der Versicherungsschutz gilt für Auslandsreisen im vertraglich vereinbarten Geltungsbereich. Als Ausland definieren wir jedes Land außerhalb der Bundesrepublik Deutschland, in dem Sie keinen ständigen Wohnsitz haben.
German residency requirement
Not established from the insurer's documents
Only persons with permanent residence in Germany can purchase the annual travel medical insurance
SourceThird-party source, not the insurer's documentSection: Wichtige Hinweise
Versicherbar sind Personen mit ständigem Wohnsitz in der Bundesrepublik Deutschland.
Pre-existing conditions coverage (modified as of September 2025)
As of September 2025, coverage includes medical treatment for worsening of existing conditions; the limitation 'acute and unexpected' has been removed
SourceSection: Pressemitteilung August 2025 > TravelSecure passt den Auslandskrankenschutz an die aktuellen Marktanforderungen an.
Ein Versicherungsfall liegt nun vor, wenn eine medizinisch notwendige Heilbehandlung wegen einer Verschlechterung einer bestehenden Erkrankung erforderlich ist. Die Einschränkung "akut und unerwartet" entfällt.
Family definition - expanded child coverage
Family coverage now includes up to seven children up to age 25 (effective September 2025)
SourceSection: Pressemitteilung August 2025 > TravelSecure passt den Auslandskrankenschutz an die aktuellen Marktanforderungen an.
Versicherte Kinder: Die Familiendefinition wird erweitert. Ab sofort sind bis zu sieben Kinder bis zum Alter von 25 Jahren mitversichert.
Exclusion of physically active occupations
Persons who work in listed physically active occupations during the trip (e.g. professional athletes, construction workers, miners, professional soldiers, firefighters) are not insurable, regardless of premium payment.
SourceClause 1.1.1.4Page 2Section: 1.1 Welchen Schutz bietet diese Versicherung? > 1.1.1 Wer ist versichert?
Nicht versicherbar sind körperlich tätige Personen. Körperlich tätige Personen gemäß dieser Bedingungen sind Personen, die folgende Tätigkeiten als Beruf während der Auslandsreise ausüben: – Berufssportler, – Artisten, – Bauarbeiter, – Bergmänner, – Berufssoldaten,
Sources
- travelsecure-versicherung.comhttps://travelsecure-versicherung.com/Auslandskrankenversicherung/(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/produkt/wuerzburger-travelsecure-auslandsreisekrankenversicherung.html(opens in a new tab)
- travelsecure.dehttps://www.travelsecure.de/bedingungen/AVB_AR_365.pdf#page=2(opens in a new tab)
- travelsecure.dehttps://www.travelsecure.de/bedingungen/AVB_AR_365.pdf#page=4(opens in a new tab)
- travelsecure.dehttps://www.travelsecure.de/bedingungen/AVB_AR_365.pdf#page=5(opens in a new tab)
- travelsecure.dehttps://www.travelsecure.de/bedingungen/AVB_AR_365.pdf#page=6(opens in a new tab)
- travelsecure.dehttps://www.travelsecure.de/reiseversicherungen/auslandsreisekrankenversicherung.html(opens in a new tab)
- wuerzburger.comhttps://www.wuerzburger.com/unternehmen/newsroom(opens in a new tab)
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