Covered worldwide and supported quickly in a medical emergency: travel health insurance covers the costs of medical treatment, medication and necessary transport abroad.
24/7 emergency service
Multilingual experts support you in a medical emergency, day or night, and arrange repatriation if needed.
Direct billing
We settle the costs directly with the hospital or doctor – no paperwork, no lengthy back-and-forth.
One trip or all year round
Choose between affordable annual travel health insurance or a single-trip policy – whatever suits your travel plans.
Statutory health insurance from your home country often covers little or nothing outside Europe – and even within the EU, costs like repatriation are rarely included. Travel health insurance closes this gap, wherever you're headed.
Without travel health insurance
With travel health insurance
Treatment costs
Even minor illnesses can cost thousands – e.g. over €4,000 for a stomach infection or over €3,000 for bronchitis or a middle-ear infection
Treatment by a doctor or in hospital is covered worldwide, with no financial risk to you
Paying on the spot
Abroad, you often have to pay for treatment yourself upfront – e.g. over €2,600 for gastroenteritis or around €2,900 for a second-degree burn
No large upfront payments – you get fast support or reimbursement of your costs
Repatriation
A medically necessary repatriation* to Germany can quickly cost a five-figure sum
A medically advisable repatriation* is arranged and paid for, so you're cared for back home
In an emergency
You're often on your own finding the right doctor, hospital or course of action
Round-the-clock support worldwide – emergency help, doctor referrals, full organisation
*Medically necessary repatriation: repatriation is essential – for example because you can't be adequately treated in the country you're visiting, or your condition doesn't allow you to stay there.
*Medically advisable repatriation: it's enough for repatriation to be medically recommended – for example because you could be treated better, faster, or closer to home in Germany, even if treatment abroad would in principle be possible.
Travel health insurance is a good idea for almost every traveller – even if you already have statutory or private health insurance. What matters is where you're going, how long for, and who you're travelling with:
| Traveller type | Best for | Plan | From |
|---|---|---|---|
| Family with children | Multiple trips a year, worldwide, kids included | Annual travel health insurance | €79.00/year |
| Single traveller | One short trip | Single-trip travel health insurance | from €1.60/day |
| Seniors (65+) | Flexible cover | Annual travel health insurance | €155.00/year |
ERGO's travel health insurance covers medical treatment costs worldwide, arranges repatriation, and provides round-the-clock support – for maximum peace of mind on every trip.
At one glance
- Single tariff: You yourself are insured.
- Couple tariff: 2 people are insured – regardless of family relationship or shared residence.
- Family tariff: Up to 2 adults, their own children, grandchildren and up to 5 accompanying children (up to and including age 25) are insured – regardless of family relationship or shared residence.
- Requirement: All insured people must be named on the insurance policy.
- You're insured for illness or accident during your trip.
- We cover the costs of medically necessary treatment and medical aids abroad.
- We arrange a medically reasonable and appropriate repatriation, including luggage transport, and cover the costs.
- We cover search, rescue and recovery costs due to illness, accident or death up to €15,000.
- Sum insured: Unlimited.
- Do you have a medical emergency during your trip? Our emergency hotline is here to help, 24 hours a day.
Do you have a medical emergency during your trip? Our emergency hotline is here to help, 24 hours a day.
- Damage caused by strikes, acts of government, war, civil war or war-like events.
- Medical treatment that was a reason for the trip.
- Medical treatment you already knew before the trip would be needed during the trip (e.g. dialysis).
- Purchase and repair of visual aids and hearing aids.
- For tariffs with an excess, you pay part of the claim yourself. Excess: €100 per insured claim. This also applies where amounts are stated as a maximum reimbursement.
- Cover generally applies to all private and business trips worldwide outside Germany, in line with your chosen tariff (Europe or worldwide).
- It does not apply in countries where you have your residence or habitual abode.
- It does not apply to business trips to a country where you are registered as an employee.
Detailed information can be found in our terms and conditions.
The cost of travel health insurance depends on your trip duration, age and chosen plan – cover is often available for just a few euros a year. Which plan makes sense for you depends on how you travel.