Who is Protrip World Education suitable for?
Educational trips within Europe and worldwide - also with USA/Canada
Planning to go abroad as an au pair, volunteer, work-and-traveller, student, PhD candidate, high school participant, intern or for a language or exchange program?
Then Protrip World Education is made for your journey.
Whether you're looking for an all-round protection or a low-budget option – Protrip World Education fits your needs. Add-on packages with accident, liability, luggage and assistance insurance offer you peace of mind wherever your adventure takes you.
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What does deductible mean?
A deductible means that you have to bear a certain financial share yourself in the event of a claim. Classic insurance policies that have a deductible include private health insurance, car insurance and professional liability or public liability insurance.
The deductible, also known as the excess or personal contribution, is normally deducted per claim. If an insured event occurs, the insurance will cover the costs exceeding the deductible, but only up to the agreed sum insured.
If you opt for a higher deductible, you may be able to get a lower insurance premium. This is because a higher excess is advantageous for the insurer. In such cases, the insurer does not have to deal with small claims and the associated processing costs are eliminated.
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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, American Express, 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
Inpatient and outpatient treatments including surgeries are covered without limit. Emergency room treatment in the USA is covered; the deductible of €250 is waived in case of medical necessity or subsequent inpatient stay. Medications, remedies, and bandages are covered without limit. Medically necessary and justifiable repatriation to the place of residence is covered without limit. The transport of mortal remains to the place of residence is covered without limit, alternatively burial abroad up to the cost of repatriation. Transport costs to the nearest hospital, e.g. by ambulance, are covered without limit, additionally up to €1,000 in case of accidents. During a trip interruption, vacation, or stay at home, acute illnesses are covered worldwide for up to six weeks – including in the home country or countries not covered by the policy. The six weeks can be split. Pain-relieving dental treatment including simple fillings is covered up to €500 per case. Aids such as walking aids or rented wheelchairs are covered if they become necessary for the first time due to an accident or illness during the insured trip. If medical travel incapacity exists, coverage continues until the restoration of travel capability, but for a maximum of 90 days. There is no coverage for pre-existing conditions or diseases that were medically treated or advised in the six months prior to the start of insurance. No coverage is provided for risk sports such as motorcycle racing, skydiving, base jumping, free climbing, or scuba diving. Professional sports are also excluded. Benefits are excluded if the insured event was caused by consumption of alcohol, drugs, or other intoxicants. -
Requirements for the insurance
You must be no older than 69 years at the start of the contract. Policy can be taken out before departure for the entire duration or after departure for up to 12 months (extension possible). If taken out after departure, a 14-day waiting period applies – waived in the event of accident or life-threatening condition. -
Exclusions – clear and simple
For full details of the benefits, please refer to the consumer information and the product information sheet.
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.
