Travel ­ Insurance ­

Insurance provided by credit cards is often helpful, but it doesn’t offer comprehensive coverage. Review the terms and conditions and compare them with HanseMerkur: • Payment method: HanseMerkur provides coverage regardless of how you paid for the trip. • Covered Persons: HanseMerkur covers traveling companions and family members, whereas credit card coverage is often limited. • Deductible: HanseMerkur usually waives the deductible—credit card policies often have high deductibles and many exclusions. • Repatriation: HanseMerkur also covers medically necessary repatriation to Germany. • Pandemics & travel warnings: HanseMerkur provides coverage even in these cases.

Did you know that most cancellations happen shortly before the trip—when up to 80% of cancellation fees are charged? With the right insurance, HanseMerkur covers these costs. Even during your trip, you’re fully protected only with insurance—often without any deductible at all!

Haven't booked travel insurance yet? Just use our booking assistant or contact us at +49 234 9748 16 09 or onlinebuchung@aldiana.com

It’s best to report your claim online using the HanseMerkur form: Germany/Austria: hmrv.de/schadenmeldung Switzerland: hansemerkur.ch/schadenmeldung The following information is required for processing your claim: • Booking and insurance confirmation • Address and bank details • Medical certificate (in case of trip cancellation) • Confidentiality waiver form In an emergency, you can reach HanseMerkur 24/7 at the emergency number. Travel Emergency Hotline for customers in Germany: +49 40 5555-7877 Travel Emergency Hotline for customers in Switzerland: +41 43 550 21 21 (German, English, French, Italian)

You can purchase travel cancellation insurance (RRV) up to 30 days before your trip begins. For last-minute trips (less than 30 days), you can purchase coverage no later than 3 business days after booking—often at especially low rates.

A couple consists of two adults, regardless of where they live. Annual coverage: Up to 2 adults and 7 children (under 26) are considered a family. Single-premium coverage: Max. 2 adults and at least 1 child (under 21), max. 7 children.

The following are considered at-risk individuals: • Travel companions listed on your booking • Your family members and those of your partner (e.g., children, parents, grandparents, siblings, in-laws, aunts/uncles, nieces/nephews) • Caregivers for your children who are not traveling with you or for relatives who require care • Escorts on group tours (if agreed upon) If something happens to any of these people, the travel cancellation insurance will cover you.

Your trip is considered to have begun as soon as you use the first service—for example, when you check in and your passport or boarding pass is checked. With Rail & Fly, boarding the train is considered the start of your trip.

Yes, the insurance coverage applies even if a travel warning is in effect. However, this does not include illnesses, injuries resulting from foreseeable wars, or active participation in civil unrest.