Accident, illness, baggage – every travel insurance policy is built on these three pillars, with a ring of add-ons around them. This page shows the complete map – with the logic of limits, and no fee figures.
Doctor, medication, hospital, and medical repatriation when justified – the most important cover, with a limit sized to the destination country.
Details → Pillar 2Lump-sum compensation for accidental death and permanent disability – independent of the medical cover.
Details → Pillar 3Theft, damage, delay – with sub-limits and due-diligence rules that are worth knowing in advance.
Details →Behind all three pillars stands assistance: a hotline you can call 24 hours a day, which arranges care, interprets, and pays on the insurer's behalf – in trouble, this is the first call.
For cancellations with proven cause, it reimburses non-refundable costs – to be taken out at the time of booking.
Details →If a trip already underway has to be cut short: cover for the journey home and the days left unused abroad.
Details →The official-report principle: a specialist's medical report, an official report – and an honest list of common misconceptions.
Details →Skiing, diving, trekking, extreme sports: separate switches – one tick box at the time of taking out cover; no longer possible to add once the trip has started (before departure, some room may still be left, depending on the policy).
Details →Flight and baggage delay: the cost of the inconvenience, documented – alongside airline passenger rights.
Details →If you cause damage to someone else – and if you need legal help abroad.
Details →You won't find limit tables or fee figures on this site, on purpose: the numbers vary from quote to quote, but the logic stays the same. Three factors size the limit: the cost level of healthcare in the destination country (the US–Canada are in a league of their own), the length of the trip, and the activity (sport also raises the potential size of a claim). The reasoning, step by step: limit sizing and outside Europe.
The same map can be taken out in several formats: individually, in a family format, as a group (ski camp, school trip, sports team), or as a corporate annual arrangement for business trips. The choice of format follows from the number of people and the nature of the trip – if in doubt, this is the first question in the consultation.
Free of charge, no obligation – with a package shaped to your itinerary and limits that match your destination.