PROTRIP-WORLD is a group contract solution consisting of one or several legally independent insurance contracts. PROTRIP-WORLD provides insurance cover during trips abroad for members of the LAC Living Abroad Community e. V. (LAC) and for participants of affiliate partner companies and organizations. Upon your signature of the contract, you will receive a certificate of enrollment that will provide you with information on insured persons and range of services.

PROTRIP-WORLD is more than a travel health insurance. By buying the additional insurance package consisting of accident, liability, baggage and assistance insurance, you will get comprehensive insurance cover. In addition to that, health insurance is available with or without a deductible. The deductible amounts to €50 per case.


PROTRIP-WORLD travel health insurance
With deductible
Without deductible
Europe to Europe
Worldwide without USA and Canada
Worldwide incl. USA and Canada
Supplement (liability, accident, baggage and assistance insurance)
All fees are monthly fees and are calculated in €.
Do you require advice?
If you have any questions, please feel free to contact us:

Phone: +49 (0) 2247 9194 -977

Mon-Fri: 8 am to 6 pm

Europe within the meaning of this policy

Europe within the meaning of this policy includes all EU countries, Norway, Iceland, Liechtenstein, Switzerland, Andorra, Monaco, San Marino and Vatikan City. The following 28 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, United Kingdom.

Elements of the premium

The monthly premium consists of the LAC membership fee, health insurance premium and - if chosen - an additional combination of liability / accident insurance premium, assistance insurance premium and baggage insurance premium.

Payment details

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:

a) credit card: Maestro, Mastercard, Visa, JCB, Diners, Discover or American Express;

b) SEPA Direct Debit;

c) online payment system: eps, Klarna/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.