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What does travel insurance protect me against?

Scope of insurance - Allianz Global Assistance

Travel insurance contains various benefits, depending on the scope of insurance cover. The main benefits are as follows:

Cancellation of the trip

If you cannot go on your trip due to accident, illness, death or other insured reasons,  cancellation costs insurance will protect you.

Illness/accident/death during the trip

In case of illness or accident during a trip, our 24-hour emergency hotlinecomes to your aid.  The Assistance service takes care of contacting a doctor, transfer to hospital, repatriation, return trip, etc. Expenses that are not covered by your compulsory health insurance scheme are covered by our private medical cover.

Illness/accident of guests

Under our Schengen travel insurance, your guests are covered for illness and accident also in Switzerland and countries in the Schengen area for a stay of max. 185 days.

Loss of / damage to baggage

With travel baggage insurance, your baggage is insured during a trip abroad against theft, damage, loss and late delivery.

Flight delay

Fight transfers and other costs following a flight delay are covered by flight delay insurance. This benefit is already included in all our packages. If you only book a flight,  Flight Only cover provides optimum protection against high cancellation costs and flight delay.


Auto Assistance takes over the organization and payment of tow trucks, home journey or accommodation in the case of breakdown or accident. In the event of damage or theft of a rental vehicle, CDW (collision damage waiver) insurance covers your deductible. This benefit cannot be taken out separately, but is already included in individual packages, e.g.  Secure Trip PLUS.

Legal proceedings

In the event of a legal dispute, legal protection insurance provides cover for lawyer or defense costs for accident, traffic accident, criminal and administrative proceedings.

Theft/loss of credit card or cellphone

Our credit and loyalty card blocking service helps you in the event of theft or loss of your personal cards. If you lose your cellphone, our cellphone blocking service is there to help you. These services are included in all packages, e.g. Travel insurance pass all-inclusive.


VersicherungsdauerHow long does travel insurance protect me?

VersicherungseigenschaftenWhat do I need to be careful of when taking out insurance?

VersicherungsempfehlungWhat type of insurance is suitable for whom?