Key facts at a glance
Worldwide coverage for travel, study, and work stays of up to 5 years
From €31.00 / month – transparent, no hidden fees
Recreational risk sports included
Coverage for medically necessary and reasonable repatriation to Germany with no limit on benefits
24/7 emergency hotline in German and English
For German and Austrian citizens
Home visits to Germany/Austria covered for up to 4 weeks
€50 deductible per claim – fair and predictable
Instant insurance confirmation via email
Provided by DR‑WALTER – specialist in international insurance since 1959
Our long-term travel health insurance offers reliable protection for German and Austrian citizens.
Can be conveniently taken out online before departure.
Planning an extended stay abroad for several months or years? With the Protrip German Traveler international health insurance, you enjoy optimal worldwide coverage for up to 5 years – whether you’re studying abroad in Barcelona, doing work & travel in New Zealand, spending your au pair year in the US, or embarking on an extended round‑the‑world trip.
Our long‑term international health insurance comprehensively covers all medical costs abroad: outpatient and inpatient treatment, doctor visits, hospital stays, medication, surgeries, and medically necessary repatriations – with no limit on benefits. Risk sports such as surfing, climbing, skiing, or diving are also automatically included for leisure activities.
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.
Important note on eligibility
The international health insurance for longer stays must be purchased before you depart, while you still have your residence in Germany or Austria. You must be under 70 years of age at the start of your trip. Already abroad? Then the Protrip World Traveler is the right alternative for international travelers without a German residence.
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.
-
What does deductible mean?
The deductible is the amount you pay yourself in the event of a claim. With Protrip German Traveler, it is €50 per claim. This means that you pay a one-time fee of €50 for treatment costs, and the insurance covers everything above that amount.
Example: Treatment costs €850. You pay €50, and we cover €800.
Advantage: The deductible significantly reduces your monthly premium – you only pay when you actually use the insurance.
-
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, iDEAL | Wero 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:
-
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 your home country if you interrupt your stay abroad for a maximum of 4 weeks. Worldwide insurance coverage also in countries for which the Foreign Office has issued a travel warning -
Requirements for the insurance
-
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)
Insurance conditions and product information
For full details of the benefits, please refer to the consumer information Protrip German Traveler (German).
Our product product information sheet Protrip German Traveler (German) provides you with a brief overview of the main contents of your insurance.
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.
