HanseMerkur is one of the leading providers of travel insurance in Germany, offering its customers comprehensive protection throughout their entire trip. Its optimized travel insurance policies are specifically designed to protect travelers against unforeseen events and provide broad coverage during their travel time. Below is a detailed analysis of the most important features:
- Protection in case of personal injury
HanseMerkur's travel insurance packages offer comprehensive protection against personal injuries that may occur during your trip. This includes accidents that happen while on vacation, as well as medical emergencies. The travel health and accident insurance covers both treatment costs and the consequences of accidents, and also repatriation costs in the event of an accident. Furthermore, a disability benefit offered in the event of a serious accident.
Rating: Very good. The policies offer comprehensive protection against personal injury, including the costs of medical care and repatriation.
- Protection against property damage
HanseMerkur also protects travelers against property damage through its travel baggage insurance . In the event of loss, theft, or damage to luggage, the damage is compensated accordingly. In combination with liability insurance , property damage caused by the insured to third parties, whether through carelessness or accidents during the trip, can also be covered.
Rating: Very good. The insurance offers comprehensive protection against baggage loss and property damage to third parties.
- Financial losses
Travel liability insurance also covers financial losses that may arise from unforeseen events, such as trip cancellation or delay. In such cases, the insured's financial losses are compensated. This coverage is included in most HanseMerkur travel protection packages.
Rating: Good. Travel liability insurance provides good protection against financial losses that can arise, for example, from a trip cancellation or delay.
- Protection abroad
's travel health insurance offers comprehensive protection for trips abroad. The insurance covers treatment costs, hospital stays, and repatriation in the event of a medical emergency. The plans cover not only Europe but also worldwide travel, making them an excellent choice for international trips.
Rating: Very good. Worldwide medical coverage ensures that travelers are optimally protected even in faraway countries.
- Damage to rented property
Damage to rental vehicles or accommodations is generally not covered by standard travel insurance. However, HanseMerkur offers additional options, such as rental car insurance , which covers damage to rental cars. Damage to rented accommodations can be covered by travel liability , provided this is booked separately.
Rating: Good. Damage to rented property can be insured via additional options and travel liability insurance, but is not covered by default.
- Acts of kindness
Acts of kindness, such as driving a friend or helping with small tasks, are generally not covered by travel insurance. This is unless the insured person is acting in an insured capacity. In some cases, liability insurance apply if the damage is caused by an insured activity during the trip.
Rating: Limited. Acts of kindness are not covered as standard; however, liability insurance could be relevant in certain cases.
- Cover-up in crimes committed by children
Damage or accidents caused by the insured's children are covered by the liability coverage . This covers damages caused by the child during the trip, providing valuable protection for families.
Rating: Good. Damage caused by children is well covered by travel liability insurance.
- Insurance against damage caused by pets
Travel liability insurance also covers damages caused by pets during the trip. If your pet is traveling with you, damages such as incidents caused by dogs are included in the insurance.
Rating: Very good. This insurance offers comprehensive protection against damage caused by pets.
Reviews from Stiftung Warentest and Finanztest
In independent tests, such as those conducted by Stiftung Warentest and Finanztest , HanseMerkur has consistently received high ratings. Its travel health insurance, , has been praised for its worldwide coverage and swift claims processing. The liability insurance performs well, offering excellent coverage for property damage and financial losses . The comprehensive protection against loss or damage to luggage in the travel baggage insurance has also been highlighted as a positive feature.
HanseMerkur has further optimized its travel insurance policies and now offers even better benefits for travelers worldwide. The new policies will be available for booking from December 10, 2024, and include several improvements :
- Extended insured events , such as coverage for missed connecting journeys due to a vehicle breakdown.
- The travel cancellation insurance now also covers new insured events such as taking a child into care or a rejected visa application.
- Trip cancellation insurance now also recognizes fire at the holiday destination as an insured reason.
- The travel baggage insurance 750 euros with a higher compensation limit for expensive electronic devices such as smartphones and tablets .
Furthermore, there is now no minimum amount for the deductible , and the family definition has been adjusted so that children up to their 26th birthday can now also be included in the insurance coverage.
The simplified structure and more understandable tariff descriptions ensure clear and customer-friendly handling. In the future, the distinction between air and sea travel will be eliminated – the premium is now the same for both.