Product information sheet
Travel Cancellation Insurance and Holiday Guarantee
You are interested in taking out HanseMerkur travel insurance? A good choice!
This information sheet provides you with a brief summary of your insurance options. However, please be aware that the information
provided here is not comprehensive. The full content of the policy is set out in your insurance application, on your insurance
certificate and in the Terms and Conditions of Insurance. In each case the insurance cover listed below only applies if you
specifically take out this cover, i.e. if it is included within the scope of the insurance you have selected!
Your insurance is a fixed-term travel insurance policy. The
scope and individual benefits of your policy are determined by
your chosen tariff.
Travel cancellation insurance and holiday guarantee (travel
curtailment insurance)
If the insured event is triggered by a medical condition known
upon conclusion of the insurance contract and treated in the 6
months preceding the conclusion of the contract.
What is the scope of my cover?
What are my responsibilities on taking out a policy?
Travel cancellation insurance
Travel cancellation insurance covers the costs incurred if you
cannot embark upon your trip because of an insured event.
Insured events include unexpected and severe illness, serious
accidental injury, and pregnancy. A full description of the
benefits is available in the Terms and Conditions of Insurance
in the "travel cancellation insurance" section.
When concluding a policy you must provide all information
truthfully and in full. If you do not do this, you put your cover at
risk!
What type of insurance is provided?
What are my responsibilities if an insured event occurs?
Keep the loss or damage as small as possible! Avoid anything
that could lead to an unnecessary increase in costs. Notify
HanseMerkur of the loss or damage immediately. You can find
out more about your responsibilities under “Obligations” in the
Terms & Conditions of Insurance.
Holiday guarantee (travel curtailment insurance)
If you have chosen to take out holiday guarantee insurance,
you will be covered for the event that you have to curtail,
interrupt or extend your holiday due to an insured event. If, for
example, you are forced to curtail your holiday in the first half of
your travel period (maximum of eight days), we will reimburse
the full price of the trip to you. Insured events include
unexpected and severe illness, serious accidental injury, and
pregnancy. Full descriptions of the benefits are available in the
Terms and Conditions of Insurance in the “travel curtailment
insurance” section.
What legal consequences result from non-compliance
with these obligations?
It is very important to note that, if you are in breach of one of
these obligations, HanseMerkur may reduce the benefits
payable commensurate with severity of fault. This may even
lead to the complete loss of insurance benefits. More
information is available in the Terms and Conditions of
Insurance (“Obligations” and Breach of obligations).
What do I need to take into account when paying the
premium?
When does may insurance cover start and end?
The level of the premium is based on cover chosen. The
premium schedule for the individual insurance products shows
you the exact premium payable for the relevant cover. Cover
does not begin until premiums are paid. Information on due
dates and further details on the payment of premiums are
available in the Terms and Conditions of Insurance.
Cover begins upon payment of premium, but not before the
agreed time, and ends on the agreed expiry date.
How long is your contract valid and how can you
terminate it?
In which cases does HanseMerkur travel insurance not
pay benefits?
Provided you have concluded a one-off insurance contract,
your contract ends on the agreed insurance expiry date. If you
have concluded an annual insurance contract, the contract
extends respectively by one further year, provided it is not
terminated in writing three months before contract expiry either
by you or by HanseMerkur or there are other reasons for
termination. If a contract expiry date is stated in the insurance
policy, the insurance contract ends at the latest on this date
without termination being required. Please refer to our
insurance terms and conditions for further details.
Generally speaking, no benefit is payable if the policyholder or
the insured person acts with intent in causing the insured event.
Some cases are excluded from cover in the following insurance
categories.
A summary of the benefits of the travel insurance cover is provided on the following page.
1
Summary of benefits
Travel Cancellation Insurance and Holiday Guarantee
You are interested in taking out HanseMerkur travel insurance? A good choice!
Please note that not all of the information relating to your policy can be listed in this summary of benefits. The full scope of the
insurance is set out in the insurance policy and in the Terms and Conditions of Insurance. Each of the types of insurance listed
below is therefore only relevant if it is included in the tariff concluded.
Travel cancellation insurance
Holiday guarantee (travel curtailment insurance)
Which benefits are covered by my travel cancellation
Which benefits are covered by my holiday guarantee?
insurance?
Reimbursement of additional travel costs in the case of
curtailment or delayed return journey
Reimbursement of contractually owed cancellation costs to
the extent that an insured event has occurred
 In the case of failure to commence the trip/use the rental
property
Reimbursement of additional costs of outward journey
 In the case of a delayed start to the trip as a result of an
insured event
 Additional cover for cruises: if you miss a cruise ship
because of a delay in public transport of more than two
hours, HanseMerkur will compensate you for the additional
costs of travel incurred up to the amount of the costs that
would have been incurred in the case of a cancellation
(maximum EUR 1,500).
Reimbursement of rebooking costs
 Up to the amount of the cancellation costs to the extent that
an insured event has occurred
 Up to EUR 30 per person/property if rebooking takes place
no later than 42 days before the trip commences to the
extent that no insured event has occurred
Reimbursement of single room supplements
 If a person accompanying you on your trip (insured person)
is forced to withdraw from the trip because of an insured
event
Travel services not used
 Reimbursement of the total cost of the trip to the extent that
the trip is cancelled during the first half (within the first 8
days at the latest)
 Reimbursement of unused travel services if the trip is
terminated within the second half (at the latest from the 9th
day)
Additional travel costs in the event of interruption of the trip
 Reimbursement of additional costs of travel to catch up with
the rest of the group in the case of a round trip or cruise
Which events are insured?
 Unexpected and serious illness, death, accidental injury




Pregnancy
Breakage of prostheses or loosening of implanted joints
Intolerance to a vaccine
Notification of an appointment for organ donation or for receipt
of an organ
 Significant damage to the property of an insured person (at
least EUR 2,500) as a result of fire, Acts of God, damage to a
water main or criminal acts by third parties
 Unexpected court summons
 Adoption of a minor to the extent that your presence is
required in order to complete the adoption
 Delay in public transport of at least 2 hours
 Forced extension of the trip because of natural catastrophes or
Acts of God
Which events are insured?
 Unexpected and serious illness, death, accidental injury












Pregnancy
Breakage of prostheses or loosening of implanted joints
Intolerance to a vaccine
Notification of an appointment for organ donation or for receipt
of an organ
Redundancy, reemployment following a period of
unemployment, short-time working
Change of workplace to the extent that the probationary period
falls in the insured period
Significant damage to the property of an insured person (at
least EUR 2,500) as a result of fire, Acts of God, damage to a
water main or criminal acts by third parties
Cover for school pupils/students: resit of an examination that
falls within the insured period, failure of a pupil to complete a
school year or to
be admitted to an examination
Unexpected court summons
Adoption of a minor to the extent that your presence is
required in order to complete the adoption
Delay in public transport including Inter City Trains of at least
2 hours
Unexpected and serious illness of the dog or a cat of an
insured person registered to travel
Excess
No excess for all insured events, with the exception of medical
conditions resulting in outpatient treatment only. In such a case, the
excess is 20% of the reimbursable damage and a minimum of EUR
25 per insured person.
Excess
No excess for all insured events, with the exception of medical
conditions resulting in outpatient treatment only. In such a case, the
excess is 20% of the reimbursable damage and a minimum of EUR
25 per insured person.
2
Stand: Mai 2016
3
Product information sheet
Travel Cancellation Insurance
You are interested in taking out HanseMerkur travel insurance? A good choice!
This information sheet provides you with a brief summary of your insurance options. However, please be aware that the information
provided here is not comprehensive. The full content of the policy is set out in your insurance application, on your insurance
certificate and in the Terms and Conditions of Insurance. In each case the insurance cover listed below only applies if you
specifically take out this cover, i.e. if it is included within the scope of the insurance you have selected!
What type of insurance is provided?
What are my responsibilities on taking out a policy?
Your insurance is a fixed-term travel insurance policy. The
scope and individual benefits of your policy are determined by
your chosen tariff.
When concluding a policy you must provide all information
truthfully and in full. If you do not do this, you put your cover at
risk!
What is the scope of my cover?
What are my responsibilities if an insured event occurs?
Travel cancellation insurance
Travel cancellation insurance covers the costs incurred if you
cannot embark upon your trip because of an insured event.
Insured events include unexpected and severe illness, serious
accidental injury, and pregnancy. A full description of the
benefits is available in the Terms and Conditions of Insurance
in the "travel cancellation insurance" section.
Keep the loss or damage as small as possible! Avoid anything
that could lead to an unnecessary increase in costs. Notify
HanseMerkur of the loss or damage immediately. You can find
out more about your responsibilities under “Obligations” in the
Terms & Conditions of Insurance.
What legal consequences result from non-compliance
with these obligations?
What do I need to take into account when paying the
premium?
It is very important to note that, if you are in breach of one of
these obligations, HanseMerkur may reduce the benefits
payable commensurate with severity of fault. This may even
lead to the complete loss of insurance benefits. More
information is available in the Terms and Conditions of
Insurance (“Obligations” and Breach of obligations).
The level of the premium is based on cover chosen. The
premium schedule for the individual insurance products shows
you the exact premium payable for the relevant cover. Cover
does not begin until premiums are paid. Information on due
dates and further details on the payment of premiums are
available in the Terms and Conditions of Insurance.
When does may insurance cover start and end?
In which cases does HanseMerkur travel insurance not
pay benefits?
Cover begins upon payment of premium, but not before the
agreed time, and ends on the agreed expiry date.
Generally speaking, no benefit is payable if the policyholder or
the insured person acts with intent in causing the insured event.
Some cases are excluded from cover in the following insurance
categories.
How long is your contract valid and how can you
terminate it?
Provided you have concluded a one-off insurance contract,
your contract ends on the agreed insurance expiry date. If you
have concluded an annual insurance contract, the contract
extends respectively by one further year, provided it is not
terminated in writing three months before contract expiry either
by you or by HanseMerkur or there are other reasons for
termination. If a contract expiry date is stated in the insurance
policy, the insurance contract ends at the latest on this date
without termination being required. Please refer to our
insurance terms and conditions for further details.
Travel cancellation insurance
If the insured event is triggered by a medical condition known
upon conclusion of the insurance contract and treated in the 6
months preceding the conclusion of the contract.
A summary of the benefits of the travel insurance cover is provided on the following page.
1
Summary of benefits
Travel Cancellation Insurance
You are interested in taking out HanseMerkur travel insurance? A good choice!
Please note that not all of the information relating to your policy can be listed in this summary of benefits. The full scope of the
insurance is set out in the insurance policy and in the Terms and Conditions of Insurance. Each of the types of insurance listed
below is therefore only relevant if it is included in the tariff concluded.
Travel cancellation insurance
Which benefits are covered by my travel cancellation
insurance?
Reimbursement of contractually owed cancellation costs to
the extent that an insured event has occurred
 In the case of failure to commence the trip/use the rental
property
Reimbursement of additional costs of outward journey
 In the case of a delayed start to the trip as a result of an
insured event
 Additional cover for cruises: if you miss a cruise ship
because of a delay in public transport of more than two
hours, HanseMerkur will compensate you for the additional
costs of travel incurred up to the amount of the costs that
would have been incurred in the case of a cancellation
(maximum EUR 1,500).
Reimbursement of rebooking costs
 Up to the amount of the cancellation costs to the extent that
an insured event has occurred
 Up to EUR 30 per person/property if rebooking takes place
no later than 42 days before the trip commences to the
extent that no insured event has occurred
Reimbursement of single room supplements
 If a person accompanying you on your trip (insured person)
is forced to withdraw from the trip because of an insured
event
Which events are insured?
 Unexpected and serious illness, death, accidental injury












Pregnancy
Breakage of prostheses or loosening of implanted joints
Intolerance to a vaccine
Notification of an appointment for organ donation or for receipt
of an organ
Redundancy, reemployment following a period of
unemployment, short-time working
Change of workplace to the extent that the probationary period
falls in the insured period
Significant damage to the property of an insured person (at
least EUR 2,500) as a result of fire, Acts of God, damage to a
water main or criminal acts by third parties
Cover for school pupils/students: resit of an examination that
falls within the insured period, failure of a pupil to complete a
school year or to
be admitted to an examination
Unexpected court summons
Adoption of a minor to the extent that your presence is
required in order to complete the adoption
Delay in public transport including Inter City Trains of at least
2 hours
Unexpected and serious illness of the dog or a cat of an
insured person registered to travel
Excess
No excess for all insured events, with the exception of medical
conditions resulting in outpatient treatment only. In such a case, the
excess is 20% of the reimbursable damage and a minimum of EUR
25 per insured person.
Stand: Mai 2016
2