Do you want to have detailed information before purchasing our PROTRIP-WORLD insurance policy? In this section, we collected a number of frequently asked questions about the international travel insurance provided by PROTRIP-WORLD. If you have any other questions, feel free to contact us.
Here you will find general questions about PROTRIP-WORLD.
LAC stands for Living Abroad Community e. V. The LAC is an association that looks after the interests of people living abroad temporarily as well as during short-term and long-term stays for personal or professional reasons and provides them with information and services. The purpose of the association is to be achieved in particular through:
- Providing advice and support to the above mentioned group of people in all economic, legal and social matters of their personal and family life that result from their stay abroad.
- Negotiating with authorities, associations, public insurance institutions and all other public and private bodies and institutions about the specific problems, needs and wishes of the above mentioned group of people that result from their stay abroad in order to improve their situation.
- Concluding agreements on special conditions for the above mentioned group of people regarding the purchase of goods and services.
A "deductible" means that you have to pay part of the expenses yourself in the event of a claim. For example, a "deductible of €50 per case" means that you have to pay €50 in each event of a claim. With PROTRIP-WORLD you can choose between health insurance without a deductible or health insurance with a deductible of €50 per case.
This international insurance has been especially developed for people who wish to stay abroad for up to 2 years. It is irrelevant whether you are traveling privately or for business reasons. PROTRIP-WORLD is recommended for international students and doctoral students, language and exchange students, interns, travelers, au pairs, volunteers as well as high school and Work and Travel participants.
Further prerequisites:
1) You are not older than 49 years at the beginning of the insurance.
2) The insurance policy is purchased prior to departure for the entire duration of the stay abroad or after departure for the remaining period of the stay abroad, but for a maximum of 24 months. Please notice our information about the waiting period if you apply for insurance after crossing the border.
PROTRIP-WORLD meets the requirements for J 1 Visa in the USA.
Apart from the J2-, F1- und F2-Visa requirements, PROTRIP-WORLD meets all the insurance criteria which the Department of State has stipulated for J1 visa exchange programs in the USA. These include, among others, a minimum coverage of $100,000 for medical treatment in case of illness and accidents, a coverage of $25,000 for the repatriation of remains in case of death.
Excellent rating by international rating agency
The financial strength of Allianz Worldwide Care SA has been evaluated by one of the leading international credit rating agencies, Standard & Poor’s, and rated AA (excellent). You can rest assured that even in uncertain times like these, PROTRIP-WORLD is backed by a solid and reliable partner.
The government of the Republic of Costa Rica reacts to the current pandemic situation with stricter COVID-19 entry regulations. Thus, travelers are obliged to prove coverage of quarantine costs in addition to comprehensive foreign health insurance. PROTRIP-WORLD provides coverage for both the treatment costs of a Covid-19 illness and quarantine costs incurred, up to US $2,000. The special arrangement regarding quarantine costs is exclusive for travelers to Costa Rica.
You want to take part in sports activities offered by your high school or university or you like skiing, hiking, cycling or water skiing? With PROTRIP-WORLD, all these activities are insured. No insurance coverage is provided for motorcycle or car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering (with climbing gear), free climbing as well as sport diving and scuba diving. However, professional athletes cannot be insured in PROTRIP-WORLD.
When taking out the International Health Insurance PROTRIP-WORLD International Health Insurance, you have the possibility to book an additional insurance package. Educational travelers, such as au pairs, can even choose between the Comfort Package, consisting of liability, accident, baggage and assistance insurance, or the Plus Package, which offers extended liability insurance benefits.
Are you planning to work as an au pair abroad?
In this case you should at least buy the Comfort Package. Liability claims within the scope of the au pair activity are insured up to 1 million Euro. This coverage is also valid for language students who live with families with children and carry out similar activities as au pairs. However, we recommend the conclusion of the Plus Package, because it covers additional claims which can occur within the scope of an au pair activity. The key loss risk as well as damage to the host family's property are examples of this.
Your trip includes an internship?
Then the Plus Package is the right choice for you. Damages occurring during internships, which are part of university studies or an Erasmus Plus program, are insured up to 5 million euros and without a deductible. Damages occurring during internships, which are not part of university studies or an Erasmus Plus program, are also insured up to sum of €10,000 and subject to a deductible of €100 per claim.
Accompanying family members can be insured as well if they are not older than 49 years of age. You just need to conclude an insurance policy for each family member separately.
Children can be insured via PROTRIP-WORLD. However, children under 6 years of age can only be insured via PROTRIP-WORLD if the accompanying legal guardian is also insured via PROTRIP-WORLD.
After expiry of the period applied for, insurance coverage will end automatically. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. In this case, you only pay the premiums which arose before the notification. If a direct debit system exists, it will be stopped. Credit will be immediately refunded to your account. No service fee will be charged.
At your request, the account can also be based on the date of your return instead of the date of notification. In this case, please send us some proof of reentry which confirms your premature return (for example your plane ticket).
Here you will find the most frequently asked questions about the coronavirus.
Cancellation of the insurance is possible at any time before the beginning of the insurance. If you wish to change the travel period due to the current wave of illness, a postponement is possible. Please contact us in this case.
No, travel expenses are not covered by the international health insurance. We recommend: Contact your hotel or airline to clarify whether a goodwill arrangement (rebooking or cancellation) is possible.
Costa Rica requires travelers to provide proof of coverage for any quarantine costs in addition to comprehensive international health insurance. PROTRIP-WORLD offers coverage of the treatment costs of a Covid-19 disease as well as possible quarantine costs up to 2,000 US $. The special provision regarding quarantine costs is exclusive to travelers to Costa Rica. Please indicate your wish for a separate certificate of travel insurance coverage for Costa Rica in the field "Space for special notes" when purchasing online. We will then be happy to send you this statement subsequently by e-mail.
Here you will find the most frequently asked questions about the coronavirus.
Fever, cough, signs of corona infection? You can rest assured. With PROTRIP-WORLD's insurance cover, you don’t need to fear high medical costs. The medically necessary treatment of the corona virus infection is covered. In addition, PROTRIP-WORLD includes unlimited coverage for medical expenses should you be forced to stay abroad for a longer period of time due to the infection.
Quarantine costs are not covered by the foreign health insurance (exception: Costa Rica). Quarantine is often prescribed as a precautionary measure. This is not a medically necessary treatment. If you fall ill with the coronavirus during quarantine, the treatment is of course insured.
The costs of a corona test will be covered, provided that you are showing related symptoms and it is ordered by a doctor. However, if the test is only a preventive measure, e.g. to meet a required entry or exit regulation or for a health certificate for school, university or employer etc., you must bear the costs yourself.
Yes, PROTRIP-WORLD's international health insurance protects you both when traveling in countries for which the German Foreign Office has issued a travel warning and in case of illness related to a pandemic.
Yes, PROTRIP-WORLD offers insurance cover for pandemics as well as for travel in countries for which a travel warning has been issued by the Federal Foreign Office.
No, travel costs are not covered by the foreign health insurance. We recommend: Contact your travel company to clarify whether, for example, the airline will offer you a goodwill arrangement (free rebooking or cancelation of your trip).
In principle, insurance cover also exists for a certain period of time in case of interruption of the stay abroad. Due to the development of COVID-19, you cannot estimate how long your stay in your home country will last. Therefore, we recommend that you cancel your PROTRIP-WORLD insurance immediately after entering your home country. Please inform us about this. An e-mail is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You will only pay the premiums that have accrued until the receipt of your notification.
Tip: Please contact your last insurance company in your home country to reactivate your previous insurance immediately
When you resume your travel plans, you are welcome to take out a new PROTRIP-WORLD insurance policy.
PROTRIP-WORLD insurance coverage ends upon entry into your home country. Please contact your last insurance company in your home country to reactivate your previous insurance immediately.
The Robert Koch Institut provides you with important information about the current coronavirus development: https://www.rki.de/DE/Content/InfAZ/N/Neuartiges_Coronavirus/nCoV.html (machine translated from German).
Here are some frequently asked questions regarding the application.
In order to purchase PROTRIP-WORLD insurance cover, you only need to do two things: fill in the application form and check whether all entered information is correct. Then simply confirm your application - that’s it!
If you are resident within Europe and traveling to the United Kingdom, please select the region "Traveling from Europe to Europe" in the online conclusion.
Europe within the meaning of this policy includes all EU countries, Norway, Iceland, Liechtenstein, Switzerland, Andorra, United Kingdom, Monaco, San Marino, Vatican City as well as the Canary Islands, the Azores and Madeira. All other European overseas territories are excluded.
The following 27 countries are currently member of the European Union (EU): Austria, Belgium, Bulgaria, Croatia, Cyprus (Republic of Cyprus), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.Please proceed as follows:
Changing area of validity up to 6 weeks
If your stay in a country which belongs to a different area of validity does not exceed 6 weeks, you do not have to do anything. You have worldwide insurance coverage up to 6 weeks.
E.g.: You travel to Panama for 6 months. On your way back home, you want to make a four-week stopover in the USA.
Please choose “Worldwide travels excluding USA/Canada” as area of validity for the complete duration of your journey.
Changing area of validity for more than 6 weeks
If you want to spend more than 6 weeks in a country which belongs to a different area of validity, please insure each stay separately. Please purchase several PROTRIP-WORLD insurances. As first day of insurance, please choose the day of arrival in each country which belongs to a different area of validity. Please mention in your new insurance that it is a follow-on insurance. We will then terminate your previous insurance exactly when your new insurance cover starts. Please note that you need to insure the complete duration of your trip and that there may not be any periods without insurance coverage inbetween the different insurances.
E.g.: You plan to spend 5 months in Australia. Afterwards, you want to spend 3 months in the USA.
Please purchase one insurance for 5 months and choose “Worldwide travels excluding USA/Canada” as area of validity. As an immediate follow-up insurance, please purchase another insurance for 3 months and choose “Worldwide travels including the USA/Canada” as area of validity.
In this case, you will receive two insurance certificates. However, we will treat both insurances as one contract, thus there will not be any disadvantages to you. We will adapt the insurance period of your first insurance, and you will receive credit for this period.
PROTRIP-WORLD offers tailor-made insurance combinations, ideal also for a trip to Central America. The current pandemic situation makes for stricter entry regulations and so Costa Rica has also adapted its requirements. In addition to comprehensive international health insurance, travelers are required to provide proof of quarantine coverage. PROTRIP-WORLD offers coverage of treatment costs of a Covid-19 disease as well as possible quarantine costs up to 2.000 US $. The special provision regarding quarantine costs is exclusive to travelers to Costa Rica. Please indicate your wish for a separate certificate of travel insurance coverage for Costa Rica in the field "Space for special notes" when purchasing online. We will then be happy to send you this statement subsequently by e-mail.
In general, you need to purchase insurance for the complete duration of your stay. In case of an extension of your stay abroad, you can also extend your insurance cover. You can only take out a new insurance if you travel to a country which belongs to a different area of validity. In this case, you can take out a new insurance for the duration of your stay in the new area of validity. Please note that in this case, too, the maximum term of insurance with this policy is 24 months.
Yes, you can. When taking out insurance, please mention that you are organizing your stay yourself. You just need to write “Work and Travel without a program provider” in the field “Space for special notes”.
Following your application, you will immediately receive an email with your insurance certificate along with customer information and product information.
Following your application, you will immediately receive an email with your insurance certificate along with customer information and product information. If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.
When purchasing our policy online, all information is sent through a secure connection. We use your data only for fulfilment of the insurance contract. For more information, go to our section on Data protection.
Here are some of the most frequently asked questions about existing contracts.
Changes can be made within 3 months of the original contract start date. An e-mail is sufficient before the intended date of entry. If you inform us about the change after the originally planned date of entry, we need proof of entry (copy of passport or air/rail ticket).
In case of an extension of your stay abroad, you can apply for an extension prior to the end of the existing insurance policy. The maximum term of insurance with this policy is 2 years. Just give us a call:
Phone: +49 2247 9194-977
Mon-Fri: 8 am to 6 pm
Or you can send us a letter, fax or email.
If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension. In case of an extension, the insurer is not liable to pay for pre-existing and known conditions such as illnesses, ailments or existing pregnancies and their results.
After expiry of the period applied for, insurance coverage will end automatically. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. In this case, you only pay the premiums which arose before the notification. If a direct debit system exists, it will be stopped. Credit will be immediately refunded to your account. No service fee will be charged.
At your request, the account can also be based on the date of your return instead of the date of notification. In this case, please send us some proof of reentry which confirms your premature return (for example your plane ticket).
If the main purpose of your stay abroad is further education, the cover includes any periods without further education abroad within the insurance period applied for.
You want to interrupt your stay abroad for a few days in order to spend some time at home? No problem. If you interrupt your stay abroad and spend time at home, you will have insurance cover for 6 weeks. You can also travel home several times as long as the overall duration does not exceed 6 weeks. There will be insurance cover for costs resulting from an accident or from an acute and newly acquired illness. If you travel to your home country at the end of the insurance period, this is not considered to be an interruption of your stay abroad. In this case, insurance coverage ends as soon as you arrive in your home country.
You do not have to inform us if you choose to travel to a different country as long as the alternative country belongs to the same area of validity as the country you indicated. If the alternative country belongs to a different area of validity and if you stay there for more than 6 weeks, you need to inform us. Please also note the FAQ “I want to travel to more than one country, and these countries belong to regions with different areas of validity. Which insurance should I purchase?” in the section “Questions regarding application”.
You can access our online service 24/7. You can use our online forms, for
example, to apply for an extension of insurance cover, terminate the
insurance prematurely or change your bank and address data.
Please
change to our Secure Server, to send your changes online.
Here are some of the most frequently asked questions regarding payment.
The premium for this policy is to be paid at the conclusion of the insurance contract for the entire term of the insurance. You can choose from the following payment options:
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.
If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse.
You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card's check number (CVC).
In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.
Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
We will refund any overpaid premiums immediately in full without charging a service fee. 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. No service fee will be charged for this reimbursement.
If you end your trip early and travel back to your home country of Russia, you will receive a refund of any overpaid premiums. However, the global sanctions against Russia due to the war in Ukraine include blocked payment flows that make this difficult. Please feel free to contact our payment department if you are affected by this.
Here you will find questions & answers regarding claims.
When you travel to the USA and to Canada, please contact our partner Global Excel in Canada for advice and support – if possible prior to a medical treatment (24-hour emergency number). The staff of Global Excel will help you to choose the right doctor or hospital, will explain all the billing details and can take care of direct billing with doctors and hospitals.
You can call Global Excel 24/7 in the USA and in Canada at +1-877-835-6243 (toll-free)
For further information, please go to What to do in case of illness?
Do you suffer from influenza, a cold or toothache? Go see a doctor! You are covered by international health insurance. For information on our policy’s benefits and benefit exclusions, go to our section Benefits. Inform your treating doctor (where applicable) about your policy’s scope of benefits to avoid overtreatment. After treating you, the doctor will give you an invoice. This invoice must include: name of the treated person, illness, type of individual medical services performed as well as the total treatment costs. If the invoice does not include sufficient information for a diagnosis, you can help us a lot by adding a short report about illness and treatment. Please submit your original invoice along with your insurance number and bank data. We will then refund your costs by means of bank transfer to the account mentioned by you. For details, go to: How are your invoices refunded?
Please send us your original receipts by mail with your insurance number and (if the recipient’s account is different from the bank account stipulated in the contract) your bank data.
If you have installed and use our safety app MY-SAFETY-APP 2,
you can send claims and medical bills directly to us at the push of a button.
This shortens the processing time considerably.
https://www.my-safety-app.com/en/features
We need about 2 weeks to process your request. After the claims administration process has been completed you will either receive a reimbursement according to the tariff or a written notification.
Any medication needs to be medically necessary or prescribed by a doctor. You will
receive your medication by taking the prescription to a pharmacy. The original
prescription can then be submitted to us for a refund of the costs.
The policy does not cover medication that can be bought at a pharmacy for free and
without a doctor’s prescription.
Please note that we can only process a prescription after we received the related
(doctor’s) invoice along with the diagnosis.
If you plan to go to a hospital, please call the insurer’s 24-hour emergency number. The staff will provide you with information on nearby hospitals and will explain what you should do next.
24-hour emergency number worldwide (except USA and Canada):
+49 2247 922 50-14
24-hour emergency number USA and Canada:
+1-877-835-6243 (toll free)
If the inpatient treatment is not an emergency treatment, we recommend arranging the
details of the planned therapy with our claims department beforehand. This way, we
can help you to minimize any financial risk.
Please contact us.
The return transport of the insured person is the medically reasonable and justifiable transport of the insured person to the place of residence in the home country or to the nearest suitable hospital to the place of residence if, due to illness or possible undersupply, treatment cannot or can only be carried out inadequately in the country of travel.
In the event of repatriation, the insured person is dependent on either medical supervision or a special medical facility, such as an extra seat in the aircraft or intensive care transport by ambulance flight.
Trained medical staff decides and plans the medically reasonable and justifiable return transport based on the respective needs of the patient.
If there is an emergency situation that may require a return transport, please contact the assistance.
Your opinion is important to us!
We would be pleased if you would take the time to write a review on Google, Facebook or Trustpilot. In this way you will not only help us to further improve our service, but also help other customers who are looking for the right insurance.
If you still have unresolved issues or are not satisfied with our service, you can of course contact the relevant specialist department or the complaints management department (sandra.karnstedt-panienka@dr-walter.com). You can also reach us via our Contact form. For further information on questions regarding complaint handling, please see our legal notice.
Phone: +49 2247 9194-977
E info@protrip-world.comMon-Fri: 8 am to 6 pm
DR-WALTER GmbH
Eisenerzstr. 34
53819 Neunkirchen-Seelscheid
Germany
T
+49 2247 9194-977
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E info@protrip-world.com
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