Travel insurance

ERV Travel Insurance

Always properly secured: With ERV travel protection, your holiday will get off to a relaxed start.

Travel Cancellation Insurance
With the ERV travel cancellation insurance you’ll either get the cancellation fees refunded or the change fees, if you want to begin your holiday at a later point of time. Book your ERV travel cancellation insurance from just € 6,90.

Multi-Cover Package
With the ERV Mulit-Cover Package you can be sure, your whole trip is covered. The ERV emergency call center is available 24/7 and will ensure payment of medical expenses and travel costs. Book your ERV Multi-Cover Package from just € 10,90.

  • Ready-made insurance solutions. Insurance packages prepared and calculated by ERV experts for different types of your trips: leisure or business trips, to Ukraine or around the world, trips including sports and activities, such as skiing, or simple holidays on the beach, family trips, sightseeing tours, any other trips. All you need to do – is to choose the right insurance package, enter your personal data and pay for insurance with your credit card.
  • Comprehensive insurance coverage. Each ERV package includes medical expenses insurance and accident insurance. You can also chose a package including baggage insurance, liability insurance, insurance for multiple trips or sports and outdoor activities.
  • Information about prices, full insurance conditions and comparison of insurance packages available in the booking process to facilitate your choice.
  • If it is difficult for you to make a choice, please contact our experts, they will answer all your questions and help you to choose the best insurance solution.
  • You can pay for the policy online with a credit card. You will immediately receive an e-mail confirmation of insurance, and can safely go on a trip.
  • If you need the original policy, in the booking process you will be able to order the service of policy delivery by mail.
  • You can distantly get travel insurance policy without a need to visit the insurance company.
  • Insurance online saves not only your time but also your money — save up to 20% when buying a policy online!

Travel Insurance. Quote, Compare & Buy.

Travel insurance protects travelers in case of emergency or interruption of a trip.

You want peace of mind when you travel. With InsureMyTrip’s quote process, you can research, compare and buy an affordable plan today. As the leader in trip insurance, we are a single site designed to help you compare benefits, get quotes, buy policies, and save from the top rated carriers. Please compare plans at different levels of coverage. Guard against cancellation of your flights, cruises, unexpected medical expenses, emergency evacuation, and lost luggage. Our licensed insurance agents provide service to assist you in finding the right coverage. Our Anytime Advocates help you if you have a claim and have helped put $1,000,000 of coverage back in travelers’ pockets. Please research our plans using our 50,000+ travel insurance reviews to find the right coverage.

Do I need travel insurance?

Imagine your trip gets canceled unexpectedly. Would you be able to easily accept the financial loss of the cost of your trip? If there was a medical issue, and someone in your party needed to be evacuated, could you easily cover the cost? Are you traveling with any significant valuables that would be expensive to replace? If you answered yes to any of these, you should look more closely at buying travel insurance.

Why is comparing travel insurance important?

Your travel insurance needs are determined by the nature of your trip, its cost, and who is traveling. You will want to find a policy that covers what you need at a price that fits your budget. There are dozens of companies to choose from, each with a large number of options. The number of choices can be overwhelming. If you buy coverage you don’t need, from the wrong company, you would overspend. Worse yet, you could buy a plan that doesn’t cover what you need. Our comparison engine, and highly trained licensed agents will help you find the plan that fits your trip like a glove.

What coverage do I need?

Answer these questions to start. What pre-paid trip costs are you unwilling to lose? What unpredictable expenses would you not be able to cover? What reasons might cause you to cancel unexpectedly? There are different plans and options that allow you to cancel for any reason. There are plans that have better coverage for emergency evacuation and emergency medical treatment. Some plans cover you in case of terrorist activities and others have limited coverage. There are limits to each plan as to how much they cover for loss of personal belongings.

A travel insurance policy can protect you from a variety of unexpected circumstances while you’re traveling. Whether you’re looking for trip cancellation coverage to reimburse you for the costs of hotels, flights and other pre-paid and non-refundable trip expenses or if you need medical expense coverage to protect you from the extensive costs of overseas treatment and hospitalization, a travel insurance policy can drastically decrease your risks.

Travel insurance is important for travelers who need a solution to protect themselves from unexpected situations that could affect their travel plans, trip investment and health when traveling. In the last few years, travel insurance has become one of the most popular insurance products available, as it is extremely cost-effective. It’s practically indispensable on international trips, and for travelers of all ages and occupations, it’s a great safety net to give peace of mind when traveling.

Whether you’re planning on going solo or with a group of friends or family, TravelInsurance.com can help you find an appropriate domestic or international travel insurance policy that meets your needs. You can compare all of your trip insurance options, procure coverage online and travel worry-free.

The right travel insurance policy gives you peace of mind no matter where your travels take you. You’ll know where to turn if something goes wrong, with 24/7 emergency assistance from your trip insurance provider.

It can be hard to know where to begin when searching for a travel insurance policy. An ideal policy offers sufficient coverage at a reasonable price. There are many different variables involved in the quote process and insurance carriers offer a variety of plans and coverage levels to choose from. No one should go through this process uninformed and without an easy way of navigating the world of trip insurance.

TravelInsurance.com helps you compare plans from the world’s leading travel insurance providers. Our comparison engine allows you to easily decipher plan benefits and coverage while choosing the right travel insurance policy for your trip. You can quote, compare and buy in just a few minutes and receive your policy confirmation and documents via email instantly after purchase.

What is ‘Travel Insurance’

Travel insurance is insurance designed to cover the costs and losses and reduce the risk associated with unexpected events incurred while traveling. It is a useful protection for those traveling domestically or abroad.

BREAKING DOWN ‘Travel Insurance’

Many companies selling tickets or travel packages give consumers the option to purchase travel insurance, also known as travelers’ insurance.  Some travel policies cover damage to personal property, rented equipment, such as rental cars, or even the cost of paying a ransom.  Frequently sold as a package, travel insurance may include several different types of coverage. The main categories of travel insurance include trip cancelation or interruption coverage, baggage and personal effects coverage, medical expense coverage, and accidental death or flight accident coverage

Coverage often includes 24/7 emergency services, such as replacing lost passports, cash wire assistance, and re-booking canceled flights. Also, some travel insurance policies may duplicate existing coverage from other providers or give protection for costs that are refundable by other means.

Trip Cancelation or Interruption Coverage

Trip cancelation insurance, sometimes known as trip interruption insurance or trip delay insurance, reimburses a traveler for prepaid, nonrefundable travel expenses. Providers vary on acceptable cancelation and interruption causes and the amount of reimbursement available. The most common, acceptable reasons include illness, a death in the immediate family, sudden business conflicts, and weather-related issues.

Policies often offer protection if the airline, cruise line, or tour operator goes out of business and may include additional coverage against an act of terrorism and calls for jury duty. A few policies offer “cancel for any reason” coverage at an additional cost.

Trip cancelation is beneficial when paying more upfront than what you’re comfortable losing. For example, if you pay $2,000 for a package tour and the tour’s cancelation policy stipulates that all but $100 is refundable upon cancellation. The insurance will cover only the nonrefundable $100.  Also, there is no need to protect a refundable airline ticket.

Baggage and Personal Effects Coverage

Baggage and personal effects coverage protect lost, stolen, or damaged belongings during a trip. It may include coverage during travel to and from a destination.  Most carriers, such as airlines, reimburse travelers if baggage is lost or destroyed because of their error.  However, there may be limitations on the amount of reimbursement.  Therefore, baggage and personal effects coverage provide an additional layer of protection.

The possibility of baggage and personal belongings being lost, stolen, or damaged is a frequent travel problem. Many travel insurance policies pay for belongings only after you exhaust all other available claims. Your homeowners or renter’s insurance may extend coverage outside of your domicile, and airlines and cruise lines are responsible for loss and damage to your baggage during transport. Also, credit cards may provide automatic protection for things like delays and baggage or rental car accidents if used for deposits or other trip-related expenses.

Short-Term Medical and Major Medical Coverage

The two primary types of medical travel insurance policies are short-term medical and major medical coverage. Short-term policies cover a traveler from five days to one year, depending on the policy chosen. Major medical coverage is for travelers who are planning to take longer trips ranging from six months to one year or longer.

Medical coverage can help with medical expenses, help to locate doctors and healthcare facilities, and even assist in obtaining foreign-language services. As with other policies, coverage will vary by price and provider. Some may cover airlift travel to a medical facility, extended stays in foreign hospitals, and medical evacuation home to receive care.

The U.S. government urges Americans to consult their medical insurance providers before traveling to determine whether a policy extends its coverage abroad. For example, medical insurance may cover the insured in the U.S. and Canada, but not in Europe. Also, some health insurance providers may require prior approval for coverage to remain valid.

Before purchasing a policy, it is imperative to read the policy provisions to see what exclusions, such as preexisting medical conditions, apply and not assume that the new coverage mirrors that of an existing plan.

Emergency medical coverage may be redundant. Most health insurance companies pay “customary and reasonable” hospital costs if you become sick or injured while traveling, but few will pay for a medical evacuation. Note that Medicare does not cover any expenses outside the U.S.

Accidental Death and Flight Accident Coverage

If an accident results in death, disability, or serious injury to the traveler or a family member accompanying the traveler, an accidental death and flight accident policy pays benefits to surviving beneficiaries.  Flight Accident insurance provides coverage for accidents and deaths occurring during flights on a licensed commercial airliner.  General exclusions will apply such as death caused by drug overdose, death resulting from sickness, et al.

Accidental death coverage may not be necessary if you already have a life insurance policy. However, benefits paid by your travel insurance coverage may be in addition to those paid by your life insurance policy, thus leaving more money to your beneficiaries.

Purchasing Travel Insurance

Travel insurance will vary by the provider on cost, exclusions, and coverage. The buyer should be aware of reading all disclosure statements before they purchase the insurance. Coverage is available for single, multiple and yearly travel. Per-trip coverage protects a single trip and is ideal for people who travel occasionally. Multi-trip coverage provides protection for numerous trips occurring in one year, but none of the excursions can exceed 30 days. Annual coverage is for frequent travelers. It provides protection for a full year.

In addition to the duration of travelers insurance coverage, premiums are based on the type of coverage provided, a traveler’s age, the destination, and the cost of your trip. Standard per-trip policies cost between 5% to 7% of the trip’s cost. Specialized policy riders focus on the needs of business travelers, athletes, and expatriates.

Also, when traveling, it is suggested that a traveler register travel plans with the State Department through its free online service Travel Registration website; the nearest embassy or consulate can contact them if there is a family emergency or a state or national crisis.

Travel Insurance tailored for you

Whether you are looking for single or multi-trip coverage, your holiday is cancelled or you have a pre-exisiting medical condition ensure you have the cover you need without paying too much.

Making sure you are covered before your holiday is crucial. If faced with a sudden cancellation, an unexpected medical cost or have your luggage lost or stolen, travel insurance will give you peace of mind and protect you from any out of pocket expense.

Get a free quote online or over the phone and learn how you can receive comprehensive  insurance within minutes. Telegraph Travel Insurance covers people of all ages and pre-existing medical conditions.* Compare our travel insurance policies and find the cover that works best for you.

Travel checklist

Make sure you are prepared before you leave for your holiday

  • Have enough cancellation expenses to cover the cost of your holiday — Ensure you have enough travel insurance to cover the whole cost of a cancelled holiday. Travel insurance providers will only pay out the amount on your policy.
  • Ensure you have travel insurance and EHIC — EHIC only covers necessary medical treatment within the EEA and is not an alternative for travel insurance. Additionally, it does not cover repatriation expenses, loss of luggage, passport or cancellation expenses.
  • Book your holiday and travel insurance at the same time — Booking your insurance while you book your holiday will ensure you have adequate cover for all cancellation expenses.
  • Have up to date travel vaccinations — You may not be covered for any medical claims if you do not have the proper travel vaccinations before you travel.
  • Have all travellers on one travel insurance policy — Having everyone on one document will ensure if one person cannot travel all parties involved will be able to claim cancellation cover
  • Declare ALL pre-existing medical conditions to your travel insurance provider— Not providing your travel insurance provider with all medical conditions could result in your policy being void. When in doubt, it is better to declare.

Travel insurance for yourself and your family

When on holiday, you should forget about your daily troubles and just enjoy yourself. And should there be trouble, Eurooppalainen’s travel insurance is there for you. Traveller’s insurance covers, for example, treatment expenses resulting from travel illnesses and accidents without an upper limit or deductible, and expenses caused by cancellation or interruption of a trip. Should a traveller’s health require it, we will also pay for the medical flight to Finland.

If a family travels a lot, each family member, including the children, should have continuous travel insurance. An adult’s travel insurance only covers any child or grandchild under 15 in case of a fixed term policy, that is, one taken for a specific trip.

Continuous or fixed-term travel insurance

If you travel several times a year, travel insurance that is valid continuously becomes much cheaper than several separate ones. You can buy online any travel insurance for up to 120 days of travel. If you need insurance for a longer period, contact customer service.

You can tailor a continuous policy to your needs, and it will be valid until you turn 100. You can also choose whether it not only covers trips abroad but also domestic travel.

The best travel insurance is the kind that meets your needs exactly. If you only travel occasionally, a fixed-term travel policy taken for each trip is a good and inexpensive option

 

I value the ease of continuous travel insurance: I do not have to separately purchase insurance for each trip and fill in the required forms. A continuous policy also comes in handy if I opt for a last minute deal – I have much less to prepare before the trip since insurance is already taken care of.

KristiinaHelsinki, Finland

 

Remember to insure also any luggage and high-risk sports

You are advised to include luggage insurance in your travel insurance, covering your luggage wherever you travel. We compensate, for example, if your luggage is delayed, your camera is broken or your wallet is stolen.

Travel liability insurance and legal expenses travel insurance are also always incorporated in luggage insurance. General liability insurance provides compensation if, during your journey, you cause loss to others for which you are liable by law. Legal expenses insurance, on the other hand, helps you with legal expenses related to disputed civil cases, criminal cases or non-contentious civil cases.

Travelling is an excellent way to experiencing and trying out new things. However, travel insurance does not automatically cover, for example, competitive sports or high-risk sports; for them, you need to take out an extension. So please contact our customer service if your journey involves, for example, combat sports, parachuting, scuba diving or off-piste skiing.

Travel safe in Europe

The AXA Schengen Europe Travel Insurance offers an extended coverage wherever you travel in the Schengen area or in the wider EU region. It also provides the mandatory insurance certificate needed for a Schengen visa. The countries covered include the Schengen area and all European Union countries (UK, Ireland included) +  Lichtenstein, San Marino, Andorra, Monaco and Vatican City. This insurance plan is for travellers expecting a comprehensive protection. Medical expenses, emergency hospitalisation and repatriation are covered up to 100,000€. Europe Travel Insurance will also assist you in case of hospitalisation or death, cover your children, communication & papers. Relax and enjoy your stay in Europe!

Travel Insurance

Travel insurance for independent travelers and intrepid families. You’d rather not think about all of the things that might go wrong on your trip, but these things can and do happen.
World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don’t just keep you and your family protected, with us, you’ll travel smarter and safer.

Travelling is always great fun, but if you’re going away, it’s important to be prepared and protect yourself against the unexpected. That is what a good travel insurance policy does for you. Provided you buy the right policy, you know that should you have an accident, fall ill or lose your luggage, everything will be taken care of without you having to cover a big bill. At Chill Insurance, we make getting the right travel policy a quick and easy experience.

The right policy for the job

If you travel more than once a year, you should consider taking out one of our multi-trip policies. That’s usually the most economical way to cover several excursions. On the other hand, if you’re just off on your annual holiday, single trip travel insurance is the policy you need. Keep reading to find out more about the type of coverage you can get when you take out travel insurance for a single trip.

Cancellation coverage

Should you or a member of your group be too ill to travel, cancellation coverage ensures that you’ll get your money back. This enables you to book yourself another holiday when you are well enough to do so. Occasionally, the weather or a natural disaster will lead to your holiday being cancelled. If you want to be covered for this eventuality, you need to ensure that your policy includes volcanic ash and natural catastrophe coverage.

Personal money coverage & Loss of baggage

When we travel, we often take cash with us. Should you lose any of this, the right policy will ensure it is replaced.

Every now and again, luggage is lost or stolen. This is always a nightmare, but, should this happen to you, at least a good policy will ensure that you can replace your personal belongings.

Medical

Treatment abroad and medical repatriation can be expensive, and it’s easy to end up with a big bill if you fall sick or are injured overseas. Therefore, this type of coverage is not something you should skimp on. It is never enough to rely on the EHIC card, as the coverage offered by it is far more limited than many people realise.

Health insurance for foreign visitors/tourists in Germany

Whether you’re planning to go sightseeing, visit relatives, attend a business conference, or backpack through Europe, you might need to first check what you need in order to enter the country you are visiting. Before planning your exploratory trip to Germany or Europe, the first step you need to take is check whether you need a Schengen Visa. If you do, then you have to follow every tip and direction to file the necessary documents and obtain it.

The Schengen visa will allow you to visit Europe for what is defined as a “short stay”. This means that you can go to 26 European countries for up to 90 days. This is enough for anyone who wants to explore or is on a business or touristic trip. However, one of the requirements to obtain the Schengen Visa is to have proper health insurance in Germany. The travel insurance for Germany will most certainly not get you immediately rejected from getting the Schengen Visa if you are planning to visit the country.

The German embassy or consulate in your country specify that medical insurance is compulsory for all foreigners visiting the country and also requires your health insurance provides minimum coverage of €30,000 for medical treatment.

The travel insurance for Germany will most certainly cover any and all medical emergencies or accidents that you might have and getting it is easy and affordable.

If you need a travel insurance for the purpose of getting a Schengen visa, MAWISTA Visum is the perfect choice for you. This insurance is designed for tourists and business travelers. In case your visa has been refused, you can cancel it for free of charge.

Health insurance for international students in Germany

If you have finally fulfilled your dream of studying in Germany as an international student, one of the requirements is getting a student health insurance.

The health insurance for foreign students in Germany will get you the final permission and clearance from the university of your choice to start your studies there and will cover all your medical expenses. You can focus on your studies and not worry whether you will get sick the next flu season since you won’t have to pay for your medical bills.

There are two possible health insurance plans for international students in Germany:

  • the compulsory/public health insurance and
  • private health insurance.

Most of foreign students in Germany are required to hold statutory health insurance (public health insurance). Exceptions from the statutory health insurance requirement include:

  • guest scientists,
  • post-graduate students,
  • scholarship holders (without an employment contract),
  • college students,
  • participants in language courses,
  • students age 30 or above, and
  • those who have been studying in Germany for more than 14 semesters.

If you fall into one of these categories, then you need to take a private health insurance.

With so many international students in Germany, student health insurance companies can be found everywhere. It is also possible to use the health insurance from your home country, if available. If you are from a country in the European Union, you will need your European health insurance card and through that your insurance will be recognized by institutions in Germany too. However, if you choose to obtain health insurance from a company in Germany, you should be careful and read the fine print in their contracts and protect yourself from being trapped into an expensive and low quality insurance.

There are great companies which target students and meet their needs. Companies such as Mawista have been in the industry for many years and are preferred by foreign students. Not only are they affordable, but their tailored student packages such as the Tariff Mawista Student Classic are favorites amongst international students in Germany.

Please note: Without proof of health insurance (public or private), enrolment at a German university is not possible.

Health insurance for language course/preparatory course students

If you are only planning to study or work in Germany, so you have enrolled in a preparatory language course, you will not be allowed to attend it without being equipped with a health insurance or medical insurance plan.

In this case statutory or public health insurance is not allowed, so you will be required to obtain a private health insurance in Germany such as the one here!

This type of health insurance will guarantee that you will be covered for the entire duration of your preparatory or language courses and will not have to worry about feeling unhealthy. This type of insurance is relatively inexpensive with a basic monthly plan of only 33 euros/month.

Health insurance for Freelancers, Employees and Expatriates in Germany

Germany is not only a great place to visit or study in, it is also a place with world-class working conditions and offers great benefits to people working there. If you have found a job and will be moving to Germany, then a working health insurance is necessary. If you have not found a job yet, you can get the Blue Card which is similar to the U.S Green Card and be allowed to stay in Germany until you find a job. Nevertheless, it is always advisable to obtain working health insurance, which will cover you for up to 5 year and offer full coverage for any emergencies and accidents. This health insurance plan is heavily advised for expatriates.

If you are an expat, then a working health insurance must be purchased before you make any other commitments in Germany. The working insurance is also suitable for Germans traveling abroad, since you will be insured in any place you visit. If you are looking for great coverage for a good price, then your working health insurance awaits here!

What does a health insurance cover?

Depending on your needs and status, you will get different coverage with different fees. Most of the health insurance types discussed in this article will get you at least the following benefits:

  • Hospital treatment and emergency services
  • Medical treatment such as outpatient or dental treatment
  • Walking aids of wheelchairs
  • Transportation to the nearest hospital
  • Burial or transfer expenses
  • Coverage of theft or lost personal belongings and property
  • Expenses in case of rescuing after accidents. (Coverage depends very much on the insurance company. It is suggested to check out local testing sites, e.g. Private Krankenversicherung im Test (Krankenkassenzentrale.de). Use Google Translate for local translation.)