Unexpected situations may occur at any time. If due to health reasons you cannot embark on your journey, with the CHERRISK Travel Cancellation Insurance Germany at least you don’t have to worry about your travel costs.

Benefit

Reimbursement of travel costs up to the respective limit of benefits


What is not covered by the insurance?

- If one of the incidents listed above has already occurred or was expected at the time of the conclusion of the insurance contract or the booking of the travel service. For example, there is no coverage for a known illness with existing symptoms!
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred. For example, the costs incurred to purchase food for a journey are not reimbursable!
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder!
- As far as the costs were avoidable. If you can rebook the journey free of charge, the insurer does not provide benefits! 

What you should know about the reimbursement

The insurer reimburses your travel costs in the following cases:

- You suffer an adverse reaction to a vaccination, a serious accidental injury, fall seriously ill or die all of a sudden.
- All of a sudden, your state of health deteriorates due to an illness provided that the illness did not lead to any symptoms within 12 months prior to the conclusion of the insurance contract.
- After the conclusion of the insurance contract you find out that you are pregnant or suffer pregnancy complications.

The prerequisite in each case is that the journey appears to be medically unadvisable due to the respective incident, and a doctor has determined this in writing. Whether or not a journey appears medically unadvisable also depends on the purpose of your journey. Tearing your collateral ligament, for example, may be "serious accidental injury" if you had planned to go skiing, hiking or to participate in a marathon – as this was the purpose of your journey.

The upper limit of the insurer's benefits (limits of benefits) depends on:

- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents

If you travel together with others, the above incidents are also insured incidents for your travel companions. Therefore, your travel companions will also have coverage in case of the above incidents. 



Payment

Travelling alone is only half as fun. If health reasons prevent your travel companion from going on your common journey, you don't have to go on holiday alone. The Insurer reimburses your costs if you stay at home due to one of the following incidents affecting your travel companion. 

A travel companion is anyone who travels with you and is covered by the same CHERRISK Travel Cancellation Insurance Germany.


Benefits 

Reimbursement of travel costs up to the respective limit of benefit


- If one of the above-mentioned incidents has already occurred or was expected at the time of the conclusion of the insurance contract or the booking of the travel service. For example, there is no coverage for a travel companion’s known illness with existing symptoms!
- If you have to terminate a journey that has already started!
- To the extent that you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- To the extent that the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred! For example, the costs incurred to purchase food for a journey are non-reimbursable!
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder.
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.



You are also insured if an insured incident does not hit you but your travel companion. 
The insurer reimburses your travel costs in the following cases:

- A travel companion suffers an adverse reaction to a vaccination, a serious accidental injury, falls seriously ill or dies all of a sudden.
- All of a sudden, the state of health of a travel companion deteriorates due to an illness provided that the illness did not lead to any symptoms in the 12 months prior to the conclusion of the insurance contract.
- After the conclusion of the insurance contract your travel companion finds out that she is pregnant or suffers preg-nancy complications.
- The prerequisite in each case is that the journey appears to be medically unadvisable due to the respective incident and that a doctor has determined this in writing. Whether or not a journey appears medically unadvisable also depends on your travel companion’s purpose of the journey. Tearing one’s collateral ligament, for example, can be a "serious accidental injury" if you had planned to go skiing, hiking or to participate in a marathon – as this was the purpose of the journey.

The upper limit of the insurer's benefits (limit of benefits) depends on:

- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.


Bad things happen sometimes. 
If you do not embark on your journey because one of your related person suddenly falls into a life-threatening condition due to an accident or an illness or even dies, the Insurer will reimburse your travel costs.


Benefits

- If one of the above-mentioned incidents has already occurred or was expected at the time of the conclusion of the insurance contract or the booking of the travel service! This means, there is for example no coverage for a known illness of a related person.
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred! For example, the costs incurred to purchase food for a journey are not reimbursable.
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder!
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.


What you should know about the reimbursement 

Your related persons include your parents, your spouse or life partner, your children, and your siblings.
The upper limit of the insurer's benefits (limits of benefits) depends on:

- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.

Please note that there is only coverage for the insured person whose related persons are affected by the above health reasons. Health reasons affecting related persons of a travel companion are not insured.

If you suffer damage to your property as a result of deliber-ate crime, fire, explosion or natural events (e.g. flood or storm) and cannot embark on your journey for this reason, you don’t have to worry about your travel costs. The insurer will reimburse your travel costs so that you can focus on your home.

Information related to the reimbursement

Our Benefits require that the damage is either considerable or your presence necessary for clarification purposes. A damage is considerable, if its amount exceeds EUR 2,500.
The upper limit of the insurer's benefits (limits of benefits) depends on:
- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.

Please note that only the insured person having suffered the damage is covered because of this. Property damage of a travel companion or a related person is not an insured incident.


What does the insurer not reimburse?

- If the property damage- has already occurred or was expected at the time of the conclusion of the insurance contract or the booking of the travel service!
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred! For example, the costs incurred to purchase food for a journey are not reimbursable!
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder!
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.


Have you lost your job all of a sudden? We understand you might feel more comfortable staying at home in such times. In this case, the Insurer will reimburse your travel costs.

The benefit requires that your employment is terminated for commercial reasons during the term of coverage. In the event of termination for other reasons, including a dissolution contract, we do unfortunately not provide benefits.
The upper limit of the insurer's benefits (limits of benefits) depends on:
- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.

Please note that there is only coverage for an insured person losing its job. The loss of a job of a travel companion or a related person is not an insured incident.


- If your employment has already been terminated or was expected to be terminated at the time of the conclusion of the insurance contract or the booking of the travel service! 
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment.
- As far as fuel and consumption costs have been incurred! For example, the costs incurred to purchase food for a journey are not reimbursable.
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder!
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.


Your partner wants to divorce you? You might not feel like traveling. With the CHERRISK Travel Cancellation Insurance Germany, at least you don't have to worry about your travel costs.

The benefit requires that the divorce papers are delivered to you during the term of coverage. The insurance also covers applications for dissolution of marriage or civil partnership.

The upper limit of the insurer's benefits (limits of benefits) depends on:
- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.

Please note that only the insured person getting divorced is covered because of this. The divorce of a travel companion or a related person is not an insured incident.


- If the divorce papers have been delivered or were to be expected at the time of the conclusion of the insurance contract or the booking of the travel service! 
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred! The costs incurred to purchase food for a journey are for example non-reimbursable.
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder!
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.


You have been subpoenaed by the authorities or a court? If you have to cancel your holiday because of this, at least you don’t have to worry about your travel costs with the CHERRISK Travel Cancellation Insurance Germany.

The benefit requires that authorities or a court order your appearance conclusively during the insurance period and that the subpoena falls on a day during the journey.

The upper limit of the insurer's benefits (limits of benefits) depends on:
- the number of insured persons;
- the amount of covered travel costs you determined when taking out the policy; and
- the number of insured incidents.

Please note that only the insured person subpoenaed is covered because of this. The subpoena of a travel companion or a related person is not an insured incident.


- If the subpoena was already delivered or to be expected at the time of the conclusion of the insurance contract or the booking of the travel service! 
- If you have to terminate a journey that has already started!
- As far as you have paid for the journey with frequent flyer, other loyalty points or vouchers or won the journey!
- As far as the purpose of the journey is to practice hazardous sports, including rental costs for equipment!
- As far as fuel and consumption costs have been incurred! For example, the costs incurred to purchase food for a journey are not reimbursable.
- Insofar as costs are incurred for items or services that can be recycled or sold, e.g. admission tickets or season tickets not issued for a named holder.
- As far as the costs were avoidable! If you can rebook the journey free of charge, the insurer does not provide benefits.


Travel Cancellation

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Health or family issues, accidents, or job loss – if you can't travel, your costs are covered.

Simple and great travel cancellation insurance

Cancellation covered

Travel team insured

Not just for your hotel fees

Stay calm when you have to cancel your trip

How much does Travel Cancellation Insurance cost? Here are a few examples:

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Health reasons

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Other unexpected incidents

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