Search
  
Annual Travel Insurance   

Annual Travel Insurance

You can also take out travel protection as annual insurance. This means you are covered for all trips throughout the year.

  • International health insurance
  • Travel cancellation insurance
  • Travel Insurance Package
date of birth of travelers 1
  Country of residence: Germany
Date of birth of travelers 1
  Country of residence: Germany
Date of birth of travelers 1
  Country of residence: Germany

Please fill out all required fields.

Calculate now

please fill all required fields

Get your quote
Herz
Outstanding service
 
Our experts are always there to advise you. Swift and competent. You can call us, write an email or chat with us.
Contact
Herz
Cancellation advice
 
Cancel or wait? We will assist you, and pay the increased cancellation costs once the advice is clear.
ADVICE
Herz
Payment of cancellation costs
If you are unable to travel, we will pay 100% of the cancellation costs on policies with no deductible.
READ MORE

Important information on the coronavirus

Restrictions or exclusions may apply when staying in or travelling to areas for which the Foreign Office has issued travel warnings, depending on the terms and conditions of your insurance policy.

Important information and answers to your questions about your insurance cover can be found under Coronavirus-Info.

Why do I need annual travel insurance?

useful description of image if informative and not decoration only.

We recommend that every traveller arrange annual travel insurance. It frequently pays off from the very first trip, and it covers more than major vacations and long-distance travel. An annual travel insurance policy covers all your travel for 12 months - including spontaneous city breaks or spa weekends.


  • 12 months of travel cover in return for affordable premiums:  
    Our annual travel insurance packages are often more cost-effective than arranging policies for each individual trip. So, it's always worth comparing the premiums.

  • Flat-rate Travel Insurance – travel as much as you like:
    An annual travel insurance package allows you to travel as often as you like within a 365 day period. Travel (a trip away) is deemed to be any journey to a destination at least 50 kilometres from the location of your place of residence or employment, as well as overnight stays outside the location of your place of residence or employment if booked in advance.

  • Stress-free holiday planning:
    You don't have to think about arranging travel insurance before every trip and can concentrate on planning your holiday in a relaxed state of mind. The insurance cover will be renewed automatically, unless you cancel the policy within the required time.

Which annual travel insurance is the right one for me?

  • Allianz Travel offers most of its travel insurance packages as annual insurance and individual trip policies.
  • The right annual travel insurance package for you depends on what you expect from your policy and which risks you want to cover. 
  • Under all our packages, you are protected no matter whether you are travelling for business or for pleasure. It does not matter whether you book your trip with a travel agent or personally arrange your dream holiday online.
  • We offer Travel Cancellation Insurance and international health insurance, as well as travel insurance packages in the form of annual cover. Read on to find out about the benefits provided by the various policies.

Swipe to view more

ANNUAL CANCELLATION BASIC PROTECTION

ANNUAL TRAVEL HEALTH PROTECTION

ANNUAL COMPLETE PROTECTION INCL. TRAVEL HEALTH INSURANCE

Travel Cancellation Insurance
Travel Assistance with 24 hour emergency call service
Travel Curtailment Insurance
Travel Health Insurance
Return Transport
Luggage Insurance
Travel Liability Insurance
Travel Accident Insurance

For as many trips as the customer wishes to take in one year – often pays off after just the 2nd trip


Sample price for single rate: two or more trips during the year: € 1,000, travel destination: worldwide, 1 adult aged 30 years.

Sample price for family rate: two or more trips during the year, cost of travel: € 1,000, travel destination: worldwide, 2 adults aged 30 years, 2 children aged 2 and 5 years.

Attention: For annual insurance policies we are currently not paying the costs of any self-quarantine. Further information can be found here. 

ANNUAL CANCELLATION BASIC PROTECTION


34 €

ANNUAL TRAVEL HEALTH PROTECTION

 

25€ 

ANNUAL COMPLETE PROTECTION INCL. TRAVEL HEALTH INSURANCE

93€
useful description of image if informative and not decoration only.

What is an annual insurance package?

  • Travel Curtailment Insurance,
  • Travel Liability Insurance,
  • Baggage Insurance
  • Travel Accident Insurance
  • Apart from the insured benefits, all our annual Travel Cancellation Insurance packages, annual international health insurance packages and annual travel insurance packages include our internal hotline service. This means we are on hand as an experienced partner to provide advice on all your travel and health concerns 365 days a year: we are at your service, just a phone call away.
useful description of image if informative and not decoration only.

You can arrange the following cover for 12 months:

  • An annual travel cancellation package protects you against costly cancellation charges for 12 months on every trip. Your cover starts as soon as you arrange the policy. Meaning: Once you have purchased the insurance, you are immediately insured for every future trip.
  • An annual foreign health cover package will reimburse the cost of medically necessary treatment received at your holiday destination. In addition to bills for visits to the doctor and hospital stays, it also covers the cost of any medication you receive locally. All annual international health insurance packages also include a medically advisable return transport to your home country. Foreign health cover is important especially for families, as children can often become ill.
useful description of image if informative and not decoration only.

Who needs an annual travel insurance package?

  • An annual travel insurance policy is suitable for all travellers who wish to enjoy unrestricted travel cover for 365 days at a time. In most cases, it pays off if you make at least one major trip during the year – or if you make more than one trip a year.  We consider travel (a trip away) to be all journeys to a place at least 50 kilometres from the location of your home, as well as pre-booked overnight stays outside the location of your place of residence.
  • And the best thing: An annual insurance package covers all your travel within the year – whether it be personal holidays and trips, and all your business travel. With the couple or family rate (tariff), the insurance cover applies even if the individuals named on the policy travel separately from one another.
useful description of image if informative and not decoration only.

The added benefit of an annual insurance package in figures

  • In most cases, an annual travel insurance package pays off from just one trip per year - and always if the cost of travel exceeds a certain threshold. This threshold varies from product to product and depends on whether you arrange the travel insurance at the single, couple or family rate.
  • For individuals, the basic cancellation cover under the annual overseas insurance is worth having from a travel cost of just € 1,001.00. For families, from a travel cost of € 2,001.00. If you take 2 trips or more per year, an annual Travel Cancellation Insurance package always pays off.
useful description of image if informative and not decoration only.

The price advantage under the single rate – an example

  • Ralf, a student, flies alone to Portugal for a week. He booked his hotel and rental vehicle online for 7 days, together with his flight. The total price of his trip is € 980.
  • Since he is interested in a travel insurance package that includes cancellation and international health insurance, he wants to arrange the Reiserücktritt-Vollschutz Plus (travel cancellation full cover plus) package. For a single trip, a policy without deductible costs him € 78.93, while the same cover for a year with deductible costs him just € 84.
  • He decides on the annual travel insurance package, since he pays less than 6 € more, but the insurance covers him on all trips abroad for 365 days.

A comparison of the price advantage

Single rate

Reiserücktritt-Vollschutz Plus (travel cancellation full cover plus) package (including Travel Health Insurance & without deductible)

92.40 €
Single rate, trip price 1,000 €, 10 days, worldwide, 30 year old adult

Annual rate

Jahres-Reiserücktritt-Vollschutz Plus (annual travel cancellation full cover plus) package (including Travel Health Insurance & without deductible)
 
84 €
Single rate, trip price 1,000 €, worldwide, 30 year old adult
useful description of image if informative and not decoration only.

The price advantage of the family/couple rate – an example

  • The Smiths, a family of three, are planning a 14-day trip to Thailand. The trip costs a total of € 2,790 – including flight, airport transfer, hotel and an excursion to the nearby temple complex.
  • Because Grandma Smith, who is staying behind at home, is not in the best of health, the family definitely wants to arrange Travel Cancellation Insurance in case they are unable to take the trip. The family goes for the Reiserücktritt-Vollschutz Plus (travel cancellation full cover plus) package, which includes Travel Health Insurance with no deductible. If the family only wants to insure the planned trip to Thailand, the policy will cost € 293. An annual travel insurance package, however, will cost just € 171 and covers all travel undertaken during a 12-month period.
  • So, by arranging annual Travel Cancellation Insurance, the Smiths can enjoy a saving. And they can be glad they don't have to worry about Grandma Smith or about arranging travel cover ahead of any other short break.

The following benefits are included, depending on which package you choose:

What is insured?
  • Travel Cancellation Insurance
  • Travel Assistance
  • Travel curtailment insurance
  • Luggage Insurance (not included in all packages)
  • Travel Health Insurance, including return transport (only included in packages with a international health insurance element)
  • Travel accident and liability insurance (only included in the Komplettschutz (full cover package))

 

Are there any limits on the insurance cover provided?

! Information on our insurance cover limits can be found in our General Terms and Conditions of Insurance.

What is not insured?

X Existing conditions that were last treated within the six months prior to the start of the insurance cover or the booking of the trip

X A mental disorder episode, if the most recent episode does not date back at least three years, or addictions

X Medical treatment and other medically prescribed therapy which you knew to be essential before the start of the insured period, or which you should have expected given the circumstances known to you

X Acupuncture, massage and spa treatments, fango treatments, lymph drainage

X Video and filming equipment, cameras, including accessories, as checked-in luggage and losses sustained because these are forgotten or lost

X Accidents caused by mental or cognitive disorders, strokes, seizures; this applies also if the condition is caused by drugs or alcohol

X Liability claims made by insured persons travelling together, against one another

Standard Terms and Conditions of Insurance (AVB)

The Standard Terms and Conditions of Insurance (AVB) contain a detailed description of the individual benefits, as well as comprehensive information about your insurance cover and the rules about deductibles.
Annual Cancellation Basic Protection

T&C
IPID

Annual Travel Health Protection

T&C
IPID

Annual Complete Protection incl. Travel Health Insurance

T&C
IPID

How would you like to conclude your insurance?

Complete online

  • You know which travel protection you would like to take and you would like to book directly online?
  • Please have the following information ready: Travel period, destination, name and dates of birth of all fellow travelers
  • Pay Attention to the reference "Our recommendation".
    For example, often an annual insurance is cheaper.
Online travel insurance - fast and easy!

 
Complete by telephone

  • You still have questions or you are not sure which travel protection is right for you?
  • You need support or you would like to conclude by phone?
  • We're here for you
    Monday to Friday: 9.00 am to 5.00 pm 

+49 89 244414178
 

Frequently Asked Questions about our annual travel insurance packages

useful description of image if informative and not decoration only.

Who can arrange annual travel insurance?

Any person travelling can arrange annual travel insurance. The important thing is that the policyholder resides in Germany.
useful description of image if informative and not decoration only.

How many trips within a year are covered by an annual travel insurance package?

An annual travel insurance package covers all the trips you take within a 365 day period. Travel (a trip away) is deemed to be any overnight stay outside the location of your place of residence or employment, and any trip to a destination at least 50 kilometres away. There is no restriction on the number of insurable trips.
useful description of image if informative and not decoration only.

When will the annual travel insurance cover begin?

An annual travel insurance policy arranged online always starts on the day it is arranged and is valid with immediate effect.

 

useful description of image if informative and not decoration only.

Which products can be arranged as annual insurance?

All of our standard products (Travel Cancellation Insurance, international health insurance and travel insurance packages) can be arranged as annual travel insurance cover. If you are unsure which package is the right one for you, our Customer Service Team will be happy to advise:

Tel. +49 89 62424-100.

useful description of image if informative and not decoration only.

What travel is covered by annual travel insurance cover?

An annual travel insurance policy covers both holidays and business trips. Shorter excursions are also covered if the trip involves at least one pre-booked overnight stay outside of the place of residence or employment or if the destination is at least 50 kilometres away from the location of the place of residence or employment.

Journeys made between your place of residence and place of employment for the purpose of work-related field operations, are not deemed to be travel.

 

useful description of image if informative and not decoration only.

Can a policy for a single trip be converted into an annual policy?

If you have arranged travel insurance for one trip and want to then convert this policy into an annual policy, you need to cancel the original policy and arrange a new annual policy. Our Customer Service Team will be happy to advise you:

Tel. +49 89 62424-100.

useful description of image if informative and not decoration only.

What happens if someone passes the age limit for the insurance rate (tariff) after the policy has been arranged?

If any of the insured persons passes the age limit of 67 during the term of an annual insurance policy, your premiums will be adjusted when the contract is next renewed. All annual packages are automatically renewed, unless cancelled within the stipulated time period.

 

useful description of image if informative and not decoration only.

What happens at the end of the one-year policy term?

Our annual insurance packages are automatically renewed by one year at a time, unless you cancel the contract. If automatically renewed, the annual insurance policy remains valid. The premium is debited no earlier than the 1st day of the month due. If you do not want your contract to be renewed, you can cancel it, at the latest, one month (or in the case of older contracts, within 3 months) before the end of the insurance year.
useful description of image if informative and not decoration only.

How can I cancel an annual travel insurance policy?

You can cancel your annual insurance cover in writing at any time, but no later than one month before the end of the insurance year. If you have an older contract, please check the cancellation notice period in your policy – it may be longer. You can cancel your annual travel insurance on our claims portal or using the Chat tool and choosing "Contract amendments".

This could be interesting

Travel Cancellation Insurance
Travel insurance packages
CDW Rental vehicle