Holiday insurance: How to protect yourself against risks!

Holiday insurance: How to protect yourself against risks!

Summer and the holiday season are just around the corner, which means taking out travel insurance is becoming increasingly important for many Germans. Loud tagesschau.de Almost two thirds of Germans take out insurance for their trips. The most common policies that are booked are travel cancellation insurance and international health insurance.

In addition to these standard insurance policies, there are other options such as trip interruption insurance, luggage insurance and travel liability insurance. Consumer advice center points out that international health insurance is considered almost mandatory, even within the EU. This insurance covers unplanned treatment costs abroad, including doctor's visits, medication and transport costs, while statutory health insurance companies only offer limited benefits.

Insurance coverage abroad

The costs for international health insurance are how tagesschau.de reported to be low and start at under 10 euros per year for singles. However, consumers should pay attention to the insurance period and the scope of services covered, which are usually between 30 and 60 days.

Owners of their own cars are usually covered by motor vehicle liability insurance when traveling within Europe, although the Green Card is required as proof of liability insurance in some countries. In addition, the European Accident Report is a useful tool that is available in eleven languages ​​and is helpful in the event of an accident abroad.

Important benefits and limitations

International health insurance offers extensive benefits, including costs for outpatient and inpatient treatment, as well as transport back to your home country. However, it is crucial to check the insurance conditions carefully in advance. Consumer advice center highlights that there are some exceptions, such as for treatments that were the cause of the trip or for foreseeable illnesses.

For travelers renting a rental vehicle, we recommend a Mallorca or Traveler policy to ensure additional protection. As a rule, private liability insurance also applies abroad, so additional travel liability insurance is often not necessary. In the event of legal disputes, legal protection insurance can also offer protection, although the scope depends on the contract.

Conclusion: Well informed for your vacation

Travel cancellation insurance is particularly important for expensive trips as it can cover cancellation costs. The amount of the premiums always depends on the travel price, the scope of services and the age of the insured person. Consumers should choose carefully and, if necessary, supplement existing insurance coverage in order to be optimally prepared for possible risks during their travels.