Is international insurance really necessary or not? Many vacationers want to enjoy their vacation with all safety, especially during Corona times. Statistics show that more than 50 percent of current vacationers lock up a travel health insurance.

On my numerous trips that I have been able to experience in recent years, I was often happy to have taken out insurance. And sometimes, I wished I had better listened to my mum and would have gone for one. Because an international health insurance is a matter that should not be ignored when traveling abroad. For example, you may become sick while on vacation or have an unfortunate accident. Is there a difference between traveling within and outside of Europe? Basically in Europe, the general

Health insurance card is sufficient and no special international health insurance is necessary. It is best to inquire in advance via your health insurance company to what extent the insurance is valid abroad. This is especially true for international travel.

If you decide to book a health insurance abroad, you can see here which services can be covered:

  • Medical services in general
  • Outpatient treatments, operations and x-ray diagnostics
  • Bandages, medicines and remedies via medical prescription
  • Dental treatments of any kind
  • Flexible transport by emergency services and catering in the event of hospitalization
  • Burial abroad or repatriation in the event of death up to 10,000 euros
  • Transport back home or to a German hospital in the event of an emergency

What travel insurances are there?

All types of insurance at a glance



  • Foreign health insurance

    If medical care is required when you are abroad, foreign health insurance is the right choice to cover your costs. In addition, she will cover the costs of any return transport that you would otherwise have to cover yourself.

  • Travel health insurance

    In contrast to international health insurance, which is valid for stays abroad for one year or more, travel health insurance is used for stays of less than a year. It therefore offers the same conditions as the international health insurance, only for a limited time.

  • Travel cancellation insurance

    This insurance covers the cancellation fees of the tour operator, which you would have had to pay yourself if you changed your mind or are forced to cancel your booked trip for unexpected reasons such as illness.

  • Trip dropout insurance

    This insurance is similar to travel cancellation insurance, the only difference being that the tour operator’s cancellation fees are only accepted in the event of urgent cancellation reasons. A termination at your whim is not taken into account here.

  • Travel liability insurance

    If you have damaged another person or their property in the accident, this insurance will help you to pay for the damage free of charge.

  • Travel accident insurance

    In the event of a serious injury that leads to permanent physical damage and that occurred while on vacation, the travel accident insurance covers all costs incurred.

  • Luggage insurance

    In the event of theft or damage to your luggage, this insurance pays the costs incurred up to a specified sum insured.

  • Travel legal protection insurance

    This insurance offers protection in the event of disputes abroad. Litigation costs as well as fees are covered by it, which consist of, among other things, criminal legal protection, damages legal protection and administrative offense legal protection.

  • Assistance insurance

    In the event of an accident, assistance is provided on site. Assistance insurance relieves you of the hassle of getting information, organizing a return trip or visits to the sick, etc. when you are in the holiday destination.


So that really nothing can go wrong

Safety First


There are 5 points that you should pay attention to before you travel if you want to take out your travel insurance to ensure a trouble-free vacation:

  1. Travel protection
    Insurance in the form of travel protection is worthwhile for all insured persons who travel abroad, whether statutory or private.
  2. Policies
    They do not cost much and there are two types of policies or tariffs: on the one hand, there are some for classic trips and on the other, there are some for longer stays abroad.
  3. Matching offers
    An insurance with a family tariff is best for families, seniors have to pay attention to the maximum age limit and pregnant women, athletes, the chronically ill and business travelers should consider the scope of benefits in addition to the tariff conditions before taking out the insurance.
  4. Scope of services
    You can still recognize a good tariff by the fact that the return transport is described as “medically sensible” instead of “medically necessary”. Treatments and illnesses should be discussed openly and all possible costs and their assumption should be evident in the contract.
  5. Credit card protection
    You should also pay attention to the origin of your insurance, as, for example, insurance as an additional service of a credit card is not always extensive enough for travel.

insurance check

Safe and relaxed on vacation?

Then compare and book the best travel insurance here


Are you one of those people who want to enjoy your vacation to the fullest and not needing to worry about anything if something goes wrong? Then quickly and easily compare the best travel insurances here.