cancellation & interruption insurance

This product offers extended insurance coverage in case of cancellation of your trip before departure as well as in case of interruption of your journey due to an insured event (see "benefits").

  • refund of cancellation costs
  • refund of additional costs for outward journey
  • refund of additional costs for travelling home
  • no deductible!

Family: 1 or 2 adults + minimum 1 child under 18 years of age, in total max. 7 persons.

For more information on benefits included, please see "benefits" below.

cancellation- & interruption insurance (no age limit)
total travel price up to: per single person per family
100 € 8 € 8 €
250 € 18 € 19 €
500 € 29 € 29 €
750 € 37 € 39 €
1,000 € 45 € 49 €
1,500 € 55 € 65 €
2,000 € 75 € 85 €
2,500 € 95 € 105 €
3,000 € 105 € 135 €
10,000 € 4.4 % 4.5 %
20,000 € 4.6 % 4.8 %
application of product

You will easily find the right premium for your journey by taking these hints:

  • The cancellation & break insurance is a cancellation insurance, which offers insurance coverage both before departure and during of your journey.
  • It is applicable to any travel booking of all kinds with a maximum duration of 1 year. Please note that there are special premiums for cruises.
  • It is not required to be a student. The STA Travel travel cancellation & break insurance can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • Family: 1 or 2 adults + minimum 1 child under 18 years of age, in total max. 7 persons.
  • There is no age limit.
  • The correct premium to insure your trip depends on the total travel price of your journey. If you have made several bookings with different service providers for your trip, please add up all prices to find the correct premium.
  • booking period: At any time until departure. Cancellation insurance immediately active, if booking within 3 working days after travel booking. Otherwise: 10 days waiting period.
benefits

This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

A. travel cancellation insurance (cancellation before departure)
benefits:

  • no deductible
  • refund of cancellation costs according to the service provider´s or tour operator´s cancellation conditions in case of cancellation before departure due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to delay of public transport of at least 2 hours and if you miss your booked and insured flight because of this delay.

insured events (reasons for cancellation):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €
  • unemployment due to compulsory redundancy (file for unemployment)
  • reemployment
  • (voluntary) job change
  • repeat examination at a university, college or school during of within 14 days after the insured journey time
  • failed moving up (if the insured journey was a school trip)
  • unexpected draft, reserve duty training exercise or civilian service
  • delivery of a divorce suit
  • summons, which cannot be postponed
  • unexpected illness, accident or inability to take immunization of a dog also booked for the journey
  • unexpected written revocation of a confirmed semester, traineeship or seminar abroad by the responsible organization (if confirmed in writing at the time of insurance booking)
  • first-time and full-time employment contract after end of study or school within 3 months after termination of study or school

B. interruption (break) of journey (cancellation during your trip)
benefits:

  • in case of premature termination of your trip: refund of additional costs for return travel
  • in case of late return travel: refund of additional costs for return travel

insured events (reasons for interrupting or breaking your journey):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €
  • acute hazard caused by unexpected riots of all kinds, epidemics, natural disasters (avalanches, landslides, flooding, earthquakes, storms) at place of destination

additional information (cancellation before and during your journey):
pre-existing conditions: If an illness is already existing at the time of insurance booking, insurance coverage is given in case of the illness unexpectedly becoming acute. There is a waiting period of 12 months before insurance booking, if cancellation becomes neccessary due to in-patient treatment of: heart disease, stroke, cancer, diabetes (Typ 1), epilepsy, multiple sclerosis (routine examination unconsidered).

co-insured relatives:
Cancellation of your ticket also is insured, if you have to cancel due to one of these insured events occuring to your relatives: unexpected severe illness, death, accident, unability to take immunization, pregnancy, fracture of prostheses.

relatives: spouses, partner of a cohabitation, children, adopted children, stepchildren, fostered children, parents, adoptive parents, step-parents, foster-parents, grandparents, brothers, sisters, grandchildren, parents-in-law, sons-in-law, daughters-in-law, brothers-in-law. Additionally, but only in case of death: aunts, uncles, nephews, nieces.

fellow travellers:

  • Up to 4 persons travelling together are insured between themselves - whether or not they related to each other.
  • In case of more than 4 persons travelling together, only relatives are insured among each other.
how to make a claim (cancellation before departure)

Please consider the following information in the event of damage:

travel cancellation

  • Please make your cancellation at the airline, travel agency or tour operator without undue delay in the insured event in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
  • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your incapability to travel.

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

  • all original booking and cancellation document
  • the doctor´s documents showing diagnose and dates of treatment
  • death certificate in the event of death
  • in the event of unemployment: written compulsory redundancy and file for unemployment benefit
  • in the event of reemployment: written confirmation of the employer stating the start of the employment contract
  • in the event of (voluntary) job change: written statements of old and new employer also stating the employment probation
  • in the event of repeat examination: written confirmation of the university, college or school stating the failed examination as well as date of repeat examination
  • in the event of draft, reserve duty training or civilian service: written confirmation of the authority
  • in the event of divorce suit: copy of court document
  • in the event of summons: copy of court document
  • in the event of first-time and full-time employment contract after end of study or school: written statements of the employer also stating the employment probation
  • in the event of unexpected written revocation of a confirmed semester, traineeship or seminar abroad: written confirmation and revocation issued by the responsible organization

damage notice:

contact data of insurer:

  • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
how to make a claim (full or partly interruption / break of journey)

Please consider the following information in the event of damage:

travel interruption (break) insurance (cancellation after departure)

  • Depending on kind of damage event, various costs can be refunded: additional costs for return travel in case of premature or late return travel, refund of travel services not used due to an interruption of your journey, refund of travel price.
  • Please make your cancellation at the service provider, travel agency or tour operator without undue delay in the insured event in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
  • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your uncapability to travel. There is no insurance coverage, if you first cancelled your booking and then visited a doctor later on.
  • In case of premature or late return travel due to an insured event we recommend to contact your travel agency, tour operator or insurer HanseMerkur to agree the neccassary steps to do and to make any possible changes in bookings comfortable for you.

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

  • all original booking and cancellation document
  • the doctor´s documents showing diagnose and dates of treatment (illness)
  • death certificate in the event of death

damage notice:

contact data of insurer:

  • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg