Terms and Conditions

Insurance Cover

Insurance cover is provided for the persons listed in the premium note or in the travel confirmation provided by the travel operator for the trips at the rates of ERGO Reiseversicherung AG documented there. You will find the scope of benefits covered by your rate under “Benefits” in the rate tables.

Insurance Conditions

The Terms and Conditions of Insurance are applicable to all insurances documented in the insurance certificate. German law is applicable to the insurance policy and its initiation.

Level and Due Date for the Insurance Benefit

The scope of the insurance benefit is based on the agreed sum insured and the relevant loss or damage, as well as the agreed excess and as applicable any existing underinsurance. Once the cause and extent of ERGO Reiseversicherung
liability has been established, the benefit must be paid within two weeks.


The premium is documented on the premium note or the travel confirmation for each insurance policy and includes the relevant insurance tax. Insurance premiums are free of value added tax. No charges are levied. The premium is due immediately after conclusion of the insurance policy and must be paid when
the insurance certificate is issued.

Please Note: No insurance cover is provided if the policyholder is in arrears with the first premium when the first insured event occurs.

Right of Revocation

The policyholder has the right to revoke his/her policy declaration within two weeks. The revocation must be made to the insurer in text form and it is not necessary to include any justification. Punctual dispatch of the revocation is sufficient to comply with the deadline. The revocation period begins when the policyholder receives the insurance certificate with the following content: contractual conditions including the terms and conditions of insurance, the information given and this statement on the right of revocation. The right of revocation is not applicable to insurance policies with a term of less than one month. If the policyholder exercises his/her right of revocation, the insurance policy is terminated on receipt of the revocation. The insurer will reimburse the premium pro rata.

Start of Insurance Cover

The policy comes into force when the booking is made. The insurance cover
begins with conclusion of the insurance policy in the Cancellation Insurance at the earliest with booking of the outward and/or the return journey, in the  Incoming Insurance at the earliest with entry into the country of stay and in all other insurances with the start of the insured stay.

End of Insurance Cover

The insurance cover ends automatically in the Cancellation Insurance when the
outward journey commences, in the Incoming Insurance when the insured period expires, at the latest after leaving the country of stay, in the other insurances with expiry of the insured period, at the latest when the insured stay ends. Place of Jurisdiction in Germany: The place of jurisdiction for lawsuits against the insurer shall be Munich or the place of residence of the policyholder in Germany.

Language / Declarations of Intent

The terms and conditions of insurance and other information are provided
in the German language. Communication with the policyholder will also be in German. Declarations of intent must be in the written form (letter, fax, email).
Verbal agreements are not legally effective.


The policyholder can take any complaints against the insurer to the regulatory authority referred to above.

German Data Protection Act (Bundesdatenschutzgesetz, BDSG)

We hereby inform you that in the event of a claim, data will be stored and communicated as necessary to any relevant associations relating to the insurance industry and the appropriate reinsurers, and to doctors and assistance organizations for purposes of providing assistance, if this is necessary for proper performance of the contractual relations. The regulations of the Federal Data Protection Act relating to data transfer are not affected. You will be informed of the address of the relevant data recipient on request.