Protrip World Liability

Liability insurance for international for students, interns and stays abroad with an educational background

only € 5 per month
High sum insured
Comprehensive cover
Complies with Erasmus Plus requirements

Liability insurance for internships abroad, Erasmus+ and au pairs - worldwide protection

Why liability insurance abroad is essential

Are you planning a stay abroad – for studies, an internship, as an au pair or as part of an Erasmus+ program? Then you should not only think about your health insurance, but also about comprehensive liability coverage.

Protrip World Liability is the ideal solution if:

your existing international insurance does not include liability coverage,

you need additional liability insurance for the Erasmus+ program,

you need to provide proof of specific liability insurance for an internship,

you want comprehensive protection as an au pair – both professionally and privately.

The Protrip World Liability liability insurance offers you reliable protection – in everyday life as well as during your activities abroad. And not just within the EU, but worldwide – including Germany.

Stiftung Warentest emphasizes: Private liability insurance is one of the most important types of insurance. However, many policies only cover stays abroad to a limited extent. That’s why it’s worth taking a closer look at your existing contracts. If you’re unsure, choose Protrip World Liability – for as little as €5 per month you’ll be covered worldwide and for an unlimited period of time.

Who is Protrip World Liability suitable for?

Especially for educational travelers with high protection requirements

Tourists

Exchange Students

Au Pairs

High School Participants

Volunteers

Work and Travel Participants

Interns

Language and Exchange Students

PhD Students

Sabbatical

Long-term Travelers

What does Protrip World Liability cost?

One-time contributions of the Protrip World Liability insurance

Monthly premium

Liability insurance valid worldwide	€5,00

How can the premium be paid?
When paying by SEPA direct debit or credit card, we offer you the option of paying the premium monthly. Alternatively, a one-time payment for the entire insurance period is also possible.

All other payment methods are only available for a one-time payment for the entire duration of the insurance.

You can choose from the following payment options:
Credit card:
Monthly or one-time payment possible
MasterCard, VISA, AMERICAN EXPRESS, Bancontact, Diners Club, DISCOVER, Maestro

SEPA Direct Debit
Monthly or one-time payment possible

Online banking:
SOFORT, eps, iDEAL | Wero

Online payment system:
PayPal, Apple Pay
The premium for this policy depends on the duration of the trip. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only need to pay for the actual insurance period. No service fee will be charged for reimbursement.

For countries in the euro-zone:
Where the term of insurance exceeds one month, you can also pay in monthly installments via SEPA Direct Debit. The first installment becomes due at the start of insurance, the subsequent installments at the start of each following month.

What is covered with Protrip World Liability?

Reliable cover for everyday life and work abroad

Insured reasons

	Lump-sum liability coverage for personal injury, property damage, and financial loss up to €5,000,000
	Damages arising from a profession-specific internship as part of a degree program or Erasmus+ program
	Liability protection as an au pair against risks arising from au pair activities
	Damages arising from profession-specific internships not conducted as part of a degree program or Erasmus+ program up to €10,000* with a €100 deductible
	Volunteer activities
	Damage to the host family's property
	Damage to rented property up to €1,000,000*
	Security deposit coverage for damages abroad up to €25,000*
	Key loss coverage (third-party private and business keys) up to €30,000*
	Property damage resulting from a favor/service rendered up to €10,000*
	Damages resulting from data exchange and internet use up to €1,000,000*
*Sublimit within the basic sum insured

Exclusions – plain and simple

✖	for fulfilment of contract, remedial action, work performed by the purchaser or others in lieu of fulfilment of contract, withdrawal from contract, reduction of purchase price, damages paid in lieu of services even though they are statutory liability claims;
✖	for damage caused in order to be able to perform the remedial action;
✖	for loss of use of the object that is the subject of the contract, or failure of the contractual services to produce the promised success;
✖	for reimbursement of expenditure incurred in vain in expectation of proper fulfilment of the contract;
✖	for reimbursement of pure financial loss suffered due to delays in the performance of the contractual services;
✖	if other compensations are made in lieu of fulfilment;
✖	for claims made by any persons who have deliberately caused the damage in question;
✖	for claims made by any persons who have • marketed products, or • rendered work or other services in full knowledge of the defective nature or harmfulness of said goods or services;
✖	for claims for damage to third-party effects and all pure financial losses if the policyholder has rented, leased, borrowed this property or acquired it through unlawful acts, or if they are subject to a special administration. If the prerequisites for the above exclusion are present in the persons of the employees, workers, officials, authorised representatives or agents of the policyholder, the insurance cover also lapses, both for the policyholder and for any persons co-insured under the policy;
✖	for damages caused by the owner, proprietor, keeper, or driver of a motor vehicle, aircraft, or watercraft due to damage caused by use of the vehicle or craft.

For complete information about Protrip World Liability, please refer to the consumer information or product information sheet.

Help and service

Your path to answers, personal advice and fast assistance

Whether you still have questions, need help with your application or need quick assistance abroad – we are here for you.

In our help and service area you will find:

Submit invoices and report claims

Cancel or change insurance

Submit or change personal data

Our emergency numbers and contact options in case of urgent need while travelling.

Go to the help and service area