Travel Insurance & Corona Virus

Does COVID-19 insurance pay?

health insurance corona virus

What are the consequences of the Corona virus for my insurance cover abroad?

The consequences of the corona virus are currently hardly predictable. Nobody knows exactly how long the corona pandemic will continue and what extent the corona virus will ultimately take on. The fact is that the Corona Virus has a major impact on the daily lives of many people worldwide. Of course, many people who are abroad are also affected. This affects not only vacationers, but also students abroad, work & travel adventurers and au pairs. Many travelers are currently unsure whether their Health insurance or Travel insurance abroad the Corona virus takes hold. Does COVID-19 continue to provide insurance coverage? Is the Corona Pandemic Excluded from Insurance? In this article we want to inform you about the current developments of COVID-19 in connection with insurance and keep you up to date. We give you an overview of which insurance applies when and when it does not, and examine the various conditions of the most common providers for Travel insurance and International travel health insurance.

Attention:

This article is updated and expanded regularly. No liability is assumed for the correctness and completeness of this compilation of information and links. For more detailed information, please contact your insurer directly and read the General Insurance Conditions (AVB). We have also set up a Facebook group, where we offer help for all work & travelers, students and au pairs abroad whose stay abroad was influenced by COVID-19. Regardless of whether you are already abroad or still planning. Ask us your question, we will try to help.

Corona Virus & Cancellation Insurance

Travel cancellation insurance will reimburse the costs if you before your stay abroad the journey from one insured reason cannot or can only start late. This is usually the case if you cannot take the trip due to an unexpected (serious) illness or an accident. Exactly what counts as an insured event can differ depending on the provider and can be found in the relevant General Insurance Conditions (AVB).

Here is always the Closing first to note, which is usually 30 days before departure. So you have the insurance at least 30 days before the planned departure have taken out insurance cover.

The most important questions and answers from Hanse Merkur on travel cancellation and travel interruption insurance

Cancellation fees may apply

Every traveler has the right to withdraw. But tour operators or other service providers are fundamentally entitled to offset the cancellation fees agreed upon conclusion.

Not an insured event

Travel cancellation insurance protects you if you have to withdraw from your trip due to an unexpected and serious illness. The fear of getting sick poses no insured Event represents

Not an insured event

A warning from the Foreign Office poses not an insured event Please contact your tour operator for a package tour or the service provider for a module tour.

Quarantine not insured

A possible quarantine situation is not insured. It is a so-called "intervention by a high hand". Please contact your tour operator for a package tour or the service provider when booking a module.

Not an insured event

Insurance cover only applies to the insured events explicitly listed in the insurance conditions. A cancellation due to restrictions at the holiday location is not included.

Not an insured event

You are entitled to reimbursement of payments already made to the tour operator, the hotel or the landlord of an apartment. There is no entitlement from the travel cancellation insurance.

No refund

The premium for travel cancellation insurance is due to the cancellation of the trip by the organizer or the failure to come due to a ban on entry into the country not refunded. Protection from travel cancellation insurance applies from the moment of booking, so that this service has already been provided.

In the case of premium and comfort protection packages, the services that apply from the start of the trip are reimbursed proportionately (travel health insurance, vacation guarantee, etc.).

Additional questions and answers from ERGO regarding travel cancellation and travel interruption insurance

Ja, short-time working due to the economic situation is basically an insured reason for withdrawal. This presupposes that the other tariff requirements are met.

In principle, there is still insurance protection in the travel interruption insurance.
However, the worldwide travel warning is not one of the insured reasons for termination.
The mere fear of falling ill in the target area and therefore canceling the trip is not an insured event, regardless of whether there is a travel warning from the Federal Foreign Office.

The mere fear of falling ill in the target area and therefore canceling the trip is not an insured event, regardless of whether the WHO has classified Covid-19 as a pandemic.

On 11.3.2020 the Covid-19 was classified as a pandemic. The additional costs of the return trip or the extended stay, which arise due to a disease of Covid-19 from this point in time, are no longer insured.

Corona Virus & Travel Health Insurance

Health insurance abroad should be an integral part of every traveler, work & traveler, au pair and student abroad. The private international health insurance covers the costs for outpatient and inpatient, medically necessary costs abroad. This insurance is particularly important because statutory health insurance does not cover the cost of medical treatment outside the EU. Not only can this quickly become very expensive, but in some cases it can even be necessary for survival.

The most important questions and answers from Hanse Merkur on international health insurance

Basically insured

If you have taken out travel health insurance with HanseMerkur, you are fully protected abroad. If you become infected with the corona virus during your trip abroad, the medically necessary treatment costs will be incurred on site basically insured!

This is also the case if the World Health Organization (WHO) classifies the coronavirus as a pandemic.

No consequences

The Foreign Office's travel warning has no effect on your insurance protection. There is no obligation for you to cancel the trip prematurely. The agreed insurance period remains valid.

Additional questions and answers from ERGO on international health insurance

If you are on a trip abroad at the time the travel warning was issued, you are covered by travel health insurance.

Yes, you are basically covered if you fall ill with Covid-19 abroad. This is true even though the WHO has classified the virus as a pandemic.
Exception: You traveled abroad for tourist purposes after the Federal Foreign Office issued the worldwide travel warning on March 17.3.2020, XNUMX.

Yes. If your stay is extended due to circumstances for which you are not responsible, the insurance cover in the context of travel health insurance also extends beyond the insured date.
Exception: You traveled abroad for tourist purposes after the Federal Foreign Office issued the worldwide travel warning on March 17.3.2020, XNUMX.

International risk areas (Status: 15.03.2020)

Italy
Iran
In China: Hubei Province (incl. Wuhan City)
In South Korea: Gyeongsangbuk-do Province (North Gyeongsang)
In France: Grand Est region (this region includes Alsace, Lorraine and Champagne-Ardenne)
In Austria: State of Tyrol
In Spain: Madrid
In USA: States of California, Washington and New York

Useful links and further information

Here you will find further information on the development of the corona virus. Keep up to date and keep yourself informed on the website of your university and host university.

Useful Links

 

Info pages of the most common foreign health insurance providers

Statements from various ERASMUS networks on COVID-19:

Corona Virus semester abroad
Work and Travel Corona Virus

Current information about the Corona virus. COVID-19 & semester abroad | Abort stay abroad or not? The most important facts and recommendations can be found in this article.

Read more »
Australia map
Australia & Corona Virus

Corona virus Australia Which entry requirements apply Entry ban for all foreigners The most important facts and recommendations can be found in this article.

Read more »

Coronavirus / Covid-19: Worldwide travel warning & return campaign

Update: 18.03.2020

Federal Foreign Office in Germany has issued a worldwide travel warning and advises against unnecessary tourist trips abroad. There are also increasing drastic restrictions on travel, quarantine measures and restrictions in public life.

Does this warning also apply to Work & Travel / AuPair stays?

The Federal Foreign Office currently advises against travel abroad. However, we think that this includes upcoming work & travel and au pair stays. In the current situation, we advise you to follow the recommendations of the authorities and not to start your stay abroad. Postponed is not cancelled. Wait until the situation calms down and start relaxing in the adventure of a lifetime a few months later.

I am already abroad. What should I do?

The numerous tightening of entry and exit regulations worldwide have led to a significant reduction or cessation of air traffic in many countries. As the Federal Foreign Office reports, the Federal Government wants to enable all Germans who have been stranded abroad to return to Germany. Up to 50 million euros will be made available for this.

You can find out whether this return campaign is suitable for you at FAQ page of the Federal Foreign Office read up. The focus is currently on the countries of Morocco, the Dominican Republic, the Philippines and Egypt.

In our Facebook group you can connect with other travelers, work & travelers and students. We offer free support and help for anyone who has been affected by the Corona virus abroad or while planning their stay abroad.

I am already in a semester abroad / student exchange / au pair / work & travel. Does the return campaign affect me?

The offer is primarily aimed at Germans who want to temporarily stay abroad and return, including participants in exchange programs and the like.

You can find out whether this return campaign is suitable for you during the semester abroad at FAQ page of the Federal Foreign Office read up. The focus is currently on the countries of Morocco, the Dominican Republic, the Philippines and Egypt.

How can I register for the return campaign?

To do this, sign up for the ELEFAND crisis preparedness list: elefand.diplo.de ´- Due to the current high demand worldwide, the program is heavily used, which can lead to delays. Enter your contact details there and you will then be contacted by the relevant diplomatic mission as soon as there are any new options for returning to Germany.

Help! Do good in difficult times!

Worldwide, the Corona virus is reported almost exclusively. The devastating bush fires in Australia seem to have long been forgotten. Nevertheless, there are still many construction sites here and there is above all a lack of financial support for non-profit organizations. We want to help and you can too!

Have you booked your Work & Travel adventure through a Work & Travel organization? Take 5 minutes and give a short, free review about the organization. You are not only helping other adventurers to find a suitable organization, you are also supporting a good cause! For every rating we give, we donate 10 cents to the Currumbin Wildlife Hospital on the Gold Coast in Australia. In addition, we are giving away Amazon vouchers under all ratings.

koala

For each evaluation, we donate 10 cents to the Currumbin Wildlife Hospital Foundation
on the Gold Coast

Insurance & COVID-19

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