Choosing the right insurance coverage for your stay abroad depends on three things:
Woher Sie kommen, was Sie vorhaben – und ob Sie noch zu Hause oder schon unterwegs sind.
Where you’re from, what you plan to do—and whether you’re still at home or already on your way.
Protrip World Education provides optimal coverage for anyone up to age 30 who is planning an educational trip—such as studying abroad, an au pair placement, an internship, or a language course—and takes out the policy before departure.
For travelers residing in Germany or Austria, Protrip German Traveler is the ideal choice: flexible coverage for trips around the world for up to 5 years, including high-risk sports—also to be taken out before the start of your trip.
Those who are already on the road or setting off spontaneously—no matter where they’re coming from or going—should choose Protrip World Traveler: available worldwide, at any time, for 12 months at a time with an option to extend.
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Proof in the Event of a Claim
To ensure that your insurance coverage can be verified smoothly in the event of a claim, we recommend that you document your departure from Germany. Please keep this proof in a safe place. We may request it even after your trip if a claim is submitted. If no suitable proof is available, benefits may be limited or denied in individual cases.
The proof must clearly identify the person, as well as the place and date of departure. Examples include a flight ticket, a passport stamp showing the date, or a photograph of the person together with an official document displaying the date.
Can I purchase the insurance while already abroad?
Yes, you can also take out Protrip World Traveler insurance if your trip has already begun.
Was ist der Unterschied zwischen Protrip German Traveler und Protrip World Traveler?
Protrip German Traveler: Can only be taken out BEFORE departure from Germany/Austria. A valid primary residence in one of the two countries is required.
Protrip World Traveler: Can be taken out worldwide at any time, even after the start of the trip.
When does the Protrip World Education plan make sense?
Protrip World Education is for people under 30 with an educational background (studies, au pair, internship, language course, volunteer work). The entire trip does NOT have to be educational—even if only part of it is educational, you can still take advantage of this low rate. The only important thing is that this rate must be purchased before you leave.
Do I need Protect Standard or Complete?
Protect Standard: Basic package with liability, accident, baggage, and assistance coverage.
Protect Complete: Same as Standard, but with higher coverage amounts (€5 million liability) and internship damage coverage. Recommended for au pairs due to higher liability coverage.
Are pre-existing conditions covered?
Protrip German Traveler covers pre-existing conditions, provided that treatment was not expected if the trip had proceeded as planned.
Protrip World Traveler and Protrip World Education cover only acute, unforeseen illnesses.
Do I need to provide proof of my departure from Germany?
To ensure that your insurance coverage under the Protrip German Traveler and Protrip World Education plans can be verified smoothly inre from Germany. Please keep this proof in a safe place. We may request it even after your trip when reviewing a claim.
If no suitable proof is available, benefits may be limited or denied on a case-by-case basis. The proof must clearly identify the person as well as the place and date of departure, for example through an airline ticket, a passport stamp with date, or a photograph of the person together with a dated official document.
What does the €50 deductible mean?
With international health insurance, you pay the first €50 per insured event yourself. The insurance covers all costs above this amount.
Can I also insure accompanying family members?
Yes, you can also insure family members (spouse, children, teenagers) traveling with you in all products (Protrip German Traveler, Protrip World Traveler, Protrip World Education).
How to take out insurance:
Each person needs their own insurance policy. Family members cannot be added to the main person's online policy – either during the application process or at a later date. You must complete the entire online application process separately for each family member.
Example: For one adult and one child, you must complete the online application process twice – once for the adult and once for the child.
Important:
All family members must choose the same tariff option as the main person. Children under the age of 6 can only be insured if at least one parent or legal guardian is also insured under the desired tariff.
Which travel health insurance is right for me?
Every trip is unique - and so should your insurance cover. Whether you are still in the planning stage, already on the road or living abroad for a longer educational stay: Our rates offer you the right cover, tailored precisely to your situation.
Worldwide cover - no matter where your trip takes you
Cover for illness and accidents - medical assistance when it matters most
Flexible terms - adaptable to the duration of your trip
Can also be taken out abroad - simply online
Ideal for educational trips, au pairs & work & travel
Many years of experience & transparent benefits
Our Protrip World travel health insurance policies accompany you wherever you go and give you the security you deserve. Regardless of whether you are going abroad to study, planning a trip around the world or traveling spontaneously.
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Before the stay abroad
Many embassies require a confirmation of insurance for a visa. You should therefore take out insurance in good time. If the travel period is postponed later, you can have the insurance period changed. An e-mail before the planned departure date is sufficient. If the notification is sent after the originally planned departure date, we will need proof (copy of passport or ticket) from you.
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During the stay abroad
If you need to see a doctor during your stay, we will be happy to assist you via chat, email or phone
We will explain what you should pay attention to when visiting a doctor. Of course, you can also read all about it under Procedure in the Event of a Claim
Protrip World applies to the area of validity specified by you (Europe, worldwide excluding the USA and Canada, worldwide including the USA and Canada). In addition, you are also covered for accidents and emergency treatments worldwide and in your home country during vacations lasting up to 6 weeks.
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After the stay abroad