Whether you're going on a world trip, a semester abroad, an au pair stay or a volunteer project – Protrip German Traveler offers worldwide protection for up to 5 years.
Our long-term international health insurance covers the costs of doctors, hospitals, medication, and return transport – even for recreational and extreme sports.
A registered residence in Germany or Austria is required – and taking out the policy is easy and straightforward before your departure.
Overview of Benefits
What sets Protrip German Traveler apart from other long-term travel health insurances:
Excellent rating from international rating agency
The financial strength of Generali Deutschland Krankenversicherung AG is rated A (Excellent) by one of the leading international credit rating agencies, A.M. Best. So even in today's troubled times, you can rest assured that Protrip World German Traveler is backed by a solid and reliable company.
With Protrip German Traveler international health insurance, you can start your trip carefree - we'll take care of the rest.
With Protrip German Traveler, au pairs, work-and-travel participants, interns, language students, students, volunteers, long-term holidaymakers and non-assigned employees can travel safely worldwide.
Please note: The insurance must be taken out before leaving your home country of Germany/Austria.
Are you already traveling abroad? Then Protrip World Traveler is the right insurance for your stay abroad.
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What does deductible mean?
A deductible means that in the event of a claim, you will have to cover a certain portion of the costs yourself. Common types of insurance with deductibles include private health insurance, car insurance, and professional or business liability insurance.
The deductible, also known as an excess or co-payment, is usually subtracted per claim. When an insured event occurs, the insurance covers the costs exceeding the deductible, but only up to the agreed insurance sum.
If you choose a higher deductible, you may be able to obtain a lower insurance premium. This is because a higher deductible is advantageous for the insurer. In such cases, the insurer does not have to deal with minor claims, and the associated administrative costs are avoided.
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How can the premium be paid?
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:
- credit card:
Maestro, Mastercard, Visa, Diners, Discover or Bancontact
- SEPA Direct Debit
- online payment system:
eps, Apple Pay, SOFORT Überweisung, iDEAL or PayPal.
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. - credit card:
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The most important benefits
Outpatient medical treatment Supply of medicines, bandages, remedies, and aids Inpatient treatment including operations Pain-relieving dental treatment as well as simple repairs of dental prostheses Accident-related dental prostheses 80% up to €2,500 Initial diagnosis of mental disorders up to €2,000 Medically prescribed patient transports Medically necessary return transport without limit 90 days follow-up benefits in case of extension of the foreign stay for medical reasons Travel cost subsidy to relatives in case of inpatient stay of the insured person over 14 days up to €500 Funeral costs abroad up to €30,000 or costs of repatriation to the insured person's permanent residence up to €30,000 Pre-existing conditions, provided that treatment was not expected during the planned trip Protection in the home country in case of interruption of the foreign stay Worldwide insurance coverage also in countries for which the Foreign Office has issued a travel warning -
Requirements for the insurance
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Exclusions – clear and simple
✖ Self-inflicted illnesses and accidents, as well as withdrawal treatments ✖ Treatments by doctors/dentists whose bills are excluded ✖ Cure and sanatorium treatments as well as rehabilitation measures by statutory providers ✖ Therapies in health spas or resorts (except for unexpected illnesses) ✖ Treatments by spouses/partners, parents or children (except material costs) ✖ Placement due to need for care or detention ✖ Cosmetic surgeries, vaccinations, disinfectations, or care outside of inpatient treatment ✖ Pregnancy termination (except medically necessary) ✖ Measures for sterility (e.g., artificial insemination) ✖ Treatments known before the start of the trip (except in case of death of close relatives) ✖ Inlays, dental prostheses, crowns, orthodontics (except as provided in the tariff) ✖ Regular pregnancies and deliveries (except in case of complications)
For full details of the benefits, please refer to the consumer information (German) or the product information sheet (German).
To make your trip even more worry-free, we offer you two exclusive apps perfectly tailored to your needs.
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.
