Protect Complete

Supplementary package with:

Personal and internship liability insurance

Luggage insurance

Accident insurance

Assistance insurance

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Strong protection for your stay abroad

More benefits, more security—for your time abroad

Protect Complete is the perfect addition to your international health insurance, allowing you to focus fully on your experiences without having to worry about unexpected financial risks.

This package offers you particularly powerful liability insurance that is specially tailored to the challenges of longer stays abroad. You are optimally covered, especially for internship damages – Protect Complete protects you where it really counts.

Whether it's personal injury, property damage, or damage to rented property in your accommodation: with Protect Complete, you enjoy comprehensive protection that gives you security and freedom so you can enjoy every new experience without worry.

Put your trust in the Protect Complete package – because your adventure abroad is something special and you deserve protection that accompanies you every step of the way.

The Protect Complete package differs from the Protect Standard package in the scope of liability insurance. It offers particularly good protection for your stay abroad, including higher benefits for internship damages that may arise in the context of a degree program, Erasmus Plus program, or during your stay abroad.

Who is Protect Complete suitable for?

Protect Complete – the ideal supplement for Protrip World Education and Protrip German Traveler

Protect Complete is the ideal supplement for anyone traveling abroad with Protrip World Education or Protrip German Traveler:

For educational travelers, such as au pairs, students, Erasmus Plus participants, and interns who are learning and growing abroad.
For all long-term travelers from Germany and Austria who are traveling worldwide for up to 5 years.

When you're breaking new ground abroad, this package gives you the extra protection you need to focus entirely on your experiences—with particularly strong liability insurance at your side.

What does Protect Complete cost?

Monthly premiums

 only 11,30 € / month 

in addition to the premium for international travel health insurance

What is covered by Protect Complete?

  • Liability insurance

     

    		Personal liability insurance including “professional” liability for au pairs, flat rate for personal injury and/or property damage up to €5,000,000.

     

    		Internship liability: Insurance coverage during an internship as part of a study abroad program or Erasmus Plus program up to €5,000,000.

     

    		Volunteering

     

    		Damage to the host family's property

     

    		Damage to rented property: up to €1,000,000*

     

    		Occasional minding of a third party’s dog, where this is done as a favor

     

    		Occasional use of motor-assisted boats belonging to third parties with an engine power of up to 55 kW (75 HP)

     

    		Use of motor vehicles with a maximum design speed of 6 km/h (e.g. invalid cars, children’s cars)

     

    		Use of trailers, provided they are not subject to compulsory insurance coverage and are not attached to a motor vehicle

     

    		Use of self-propelled machinery with a maximum design speed of 20 km/h (e.g. lawn mowers, snow-clearing equipment)

     

    		Use of motor vehicles and trailers not subject to compulsory insurance coverage when on non-public ways or areas

     

    		Bail payment in the case of loss or damage occurring in a foreign country: up to €25,000*

     

    		Loss of private and business keys belonging to third parties: up to €30,000*

     

    		Damage to property arising from an act of favor: up to €10,000*

     

    		Bad debt losses

     

    		Damage arising from data exchange and use of the Internet: up to €1,000,000*

     

    		Limit of indemnity in the case of violation of naming or personality rights: up to €200,000*

    *Sublimit within the basic sum insured

  • Accident insurance

     

    		Capital payment in case of accidental death €10,000.

     

    		Disability sum €30,000.

     

    		Disability scale 350%.

     

    		Capital payment for 100% accidental disability €105,000.

     

    		Rescue costs €25,000.

     

    		Accident-related cosmetic surgeries €10,000.

  • Assistance insurance

     

    		Lump sum for personal injury, property damage and financial loss: up to €5,000,000

     

    		Damages occurring during internships, which are part of university studies or an Erasmus Plus program

     

    		Damages occurring during internships, which are not part of university studies or an Erasmus Plus program: up to €10,000* with a deductible of €100

     

    		Volunteering

     

    		Damage to the host family's property

     

    		Damage to rented property: up to €1,000,000*

     

    		Occasional minding of a third party’s dog, where this is done as a favor

     

    		Occasional use of motor-assisted boats belonging to third parties with an engine power of up to 55 kW (75 HP)

     

    		Use of motor vehicles with a maximum design speed of 6 km/h (e.g. invalid cars, children’s cars)

     

    		Use of trailers, provided they are not subject to compulsory insurance coverage and are not attached to a motor vehicle

     

    		Use of self-propelled machinery with a maximum design speed of 20 km/h (e.g. lawn mowers, snow-clearing equipment)

     

    		Use of motor vehicles and trailers not subject to compulsory insurance coverage when on non-public ways or areas

     

    		Bail payment in the case of loss or damage occurring in a foreign country: up to €25,000*

     

    		Loss of private and business keys belonging to third parties: up to €30,000*

     

    		Damage to property arising from an act of favor: up to €10,000*

     

    		Bad debt losses

     

    		Damage arising from data exchange and use of the Internet: up to €1,000,000*

     

    		Limit of indemnity in the case of violation of naming or personality rights: up to €200,000*

    *Sublimit within the basic sum insured

  • Luggage insurance

     

    		Help in case of loss of travel funds.

     

    		Replacement of travel documents.

     

    		Return trip in an emergency.

     

    		Travel of a trusted person in an emergency up to €4,000 per claim.

  • Exclusions – plain and simple
    ✖Liability insurance: for damages to borrowed, leased, rented, and hired items.
    ✖Accident insurance: for accidents caused by intoxication or drug use.
    ✖Assistance insurance: for chronic mental illnesses, including those with episodic occurrences, as well as addiction disorders.
    ✖Travel luggage insurance: for damages directly or indirectly caused by nuclear energy.

For complete information about the Protect insurance package, please refer to the consumer information or the 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

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