Trip cancellation insurance
The travel interruption insurance belongs to the group of travel insurance and reimburses the additional costs incurred if you cannot use travel services that have already been paid for a valid reason due to early return or if you are forced to stay longer.
Liability conditions
The trip interruption insurance is usually only liable if the insured person has a valid reason to interrupt the trip. Possible reasons for this are:
- serious accident of the insured person or a close relative
- unexpected serious illness of the insured person or a close relative
- Death of a close relative
- Intolerance after a vaccination
- Loss and acceptance of a job
- unpredictable complications of pregnancy
- Damage to the property of the insured person as a result of fire, explosion, acts of God or the willful criminal act of a third party, provided the damage is significant or if the presence of the insured person is necessary for clarification.
There are certain standards that are applied by the insurance company, especially for illnesses. The basic principle is that it is appropriate to interrupt a trip for reasons of illness if the planned activities during the trip or the desired relaxation are only possible to a limited extent. In addition to a serious illness, many insurers also accept a serious accident or the death of close relatives at home as a reason for terminating the trip.
relevance
While taking out travel health insurance is always recommended when traveling abroad , many tour operators are increasingly advising to take out travel cancellation insurance . Some providers only offer the protection of a cancellation insurance in combination with a travel cancellation insurance, others also on their own. Events that are also covered by travel cancellation insurance are usually insured. Continuing the journey must be "unreasonable". A mere interruption of the trip (e.g. not taking part in a shore leave during the cruise due to illness) does not fall under the protection of an interruption insurance for the trip. In contrast to travel cancellation insurance, which must be taken out when booking, the travel cancellation insurance can be taken out until the start of the trip.
Web links
Individual evidence
- ↑ GDV: An overview of travel insurance ( memento of the original from June 29, 2015 in the Internet Archive ) Info: The archive link was automatically inserted and not yet checked. Please check the original and archive link according to the instructions and then remove this notice.
- ↑ Travel Insurance: Information on travel interruption insurance
- ↑ TrafelProtect: Trip interruption insurance
- ↑ General Association of the German Insurance Industry: Travel Insurance ( Memento of the original from July 8, 2015 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice.
