Travel insurance directly from the tour operator

Important Insurances for Your Trip

Of course, we hope that your trip goes as planned and without incidents so that you have a unique vacation. Nevertheless, unforeseen events can always occur, so you should secure yourself in advance. We at Overcross are happy to inform and advise you on travel protection in combination with your travel and flight bookings. We rely on our long-term contract partner, Hanse Merkur Insurance Group, which delivers excellent results every year. Among other things, it has received top ratings for travel health insurance and trip cancellation insurance, which were once again awarded very good to good results in 2016 by Stiftung Warentest.

By the way, travel health insurance is mandatory for participation in many of our offers! There are also attractive annual subscriptions available.

Overview of Our Travel Insurances

HanseMerkur Insurance is your specialist for all types of insurance. In particular, travel and health insurances have received numerous awards. To allow you to travel abroad with peace of mind and carefree, we offer tailored solutions for personal protection while traveling with the products of HanseMerkur! Trust the test winner!

Find out more here and take out the appropriate travel insurance and health insurance for your stay abroad online.

To Travel Health Insurance

To Trip Cancellation Insurance

To Travel Insurance Package

To Rental Car Protection Insurance

To Emergency Insurance

Travel Health Insurances

Travel health insurance supports you where your regular health insurance no longer applies - abroad. We offer various solutions in this regard:

Annual Travel Health Insurance

For an unlimited number of vacation trips up to 56 days

Product Highlights:

Insurance coverage for an unlimited number of vacation trips up to 56 days
Insurance coverage for business trips up to 10 days
Worldwide validity
As a private patient abroad
Without age restrictions
Affordable family rates
Costs for medically reasonable repatriation are covered
Post-liability until transportation capability
No deductible
Annual premium: from 9.90 EUR

Please note the following notice:
The insurance protection is automatically extended for another year unless the policyholder cancels it in writing with a notice period of one month before expiry or other termination reasons occur.

To the online application for the Annual Travel Health Insurance

Travel Health Insurance for up to One Year

Well insured with HanseMerkur for up to 365 days - the long-term health insurance for stays abroad from HanseMerkur

Product Highlights:

HanseMerkur reimburses for medical treatments, medications, and healing supplies abroad for stays of up to 365 days
Important Note: Conclusion must be made before the commencement of the stay abroad for the entire period.
You pay no deductible!
If you return earlier, we will reimburse you for the overpaid insurance premium!
You can travel for as long as you want: you can extend upon request within the maximum insurance duration.
We calculate your insurance premium on a daily basis.
No age limits
Daily premium from 1.15 EUR per day

To the online application for Travel Health Insurance for up to one year

Trip Cancellation Insurances

The most common reason for canceling a trip is illness. Therefore, you should protect yourself against this and other risks with trip cancellation insurance.

Simple Trip Cancellation Insurance

The trip cancellation insurance protects you only before the commencement of the trip!

What benefits does trip cancellation insurance offer?

Reimbursement of the contractually owed cancellation costs (cancellation fees), provided that an insured event occurs upon non-commencement of the trip or non-use of the rental property
Reimbursement of the additional costs of the outbound trip in case of delayed commencement of the trip due to an insured event
Reimbursement of rebooking costs up to the amount of the cancellation costs, provided that an insured event occurs
Reimbursement of single room supplements if your travel companion (risk person) must withdraw from the trip due to an insured event

Which events are insured?

Unexpected and serious illness, death, accidental injury
Pregnancy
Breakage of prosthetics or loosening of implanted joints
Vaccine intolerance
Notification of an organ donation appointment or receipt of an organ
Termination or reinstatement due to operational reasons following unemployment, short-time work
Job change, provided the probation period falls within the insured travel time
Significant damage to property (min. 2,500 EUR) of the insured person due to fire, natural disasters, water damage, or criminal acts of third parties
Student protection: Resit examination falls within the insured travel time, failure to advance or non-admission to the examination
Unexpected court summons
Adoption of a minor child, provided your presence is necessary
Delays in public transport, including ICE, by at least 2 hours
Unexpected and serious illness of a registered travel dog/cat of an insured person

Deductible:

No deductible for all insured events except for outpatient treated illnesses. In this case, the deductible is 20% of the reimbursable damage, but at least 25 EUR per insured person.

To the online application for trip cancellation insurance

Trip Cancellation Insurance with Vacation Guarantee (Cancellation Insurance)

The vacation guarantee also protects events that occur during the already commenced trip.

What services does the vacation guarantee cover?

Reimbursement of the total trip price, provided the trip is canceled within the first half of the trip (maximum within the first 8 days)
Reimbursement of the unused travel service, provided the trip is canceled within the second half of the trip (at the latest from the 9th day)
Reimbursement of rejoining costs in the event of a trip interruption during a round trip to get back to the group

Which events are insured under the vacation guarantee?

Unexpected and serious illness, death, accidental injury
Pregnancy
Breakage of prosthetics
Vaccine intolerance
Notification of an organ donation appointment or receipt of an organ
Significant damage to property (min. 2,500 EUR) of the insured person due to fire, natural disasters, water damage, or criminal acts of third parties
Unexpected court summons
Adoption of a minor child, provided your presence is necessary
Public transport delays of at least 2 hours
Mandatory travel extension due to natural disasters or extraordinary events

Deductible:

No deductible for all insured events, except for outpatient treated illnesses. In this case, the deductible is 20% of the reimbursable damage, but at least 25 EUR per insured person.

To the online application for trip cancellation insurance with vacation guarantee

Travel Insurance Package - 5-Star Premium Protection

To the online application for the Travel Insurance Package - 5-Star Premium Protection

Rental Car Protection Insurance

What is the extent of your insurance coverage?

Deductible Exemption Insurance (CDW)
The Deductible Exemption Insurance reimburses you in the event of an insured event for the deductible charged by a car rental company or directly by the comprehensive insurance of the car rental company. The full product description can be found below.

Insurance amount: Cars and motorcycles 2,500 EUR

What services does the CDW cover?

Reimbursement of the deductible in case of comprehensive damage

The Deductible Exemption Insurance is an additional comprehensive insurance for rental vehicles. It secures the deductible up to the insurance amount, which the existing (primary) comprehensive insurance of the rental vehicle charges in case of comprehensive damage.

Liability Insurance (Mallorca Policy)

The liability insurance for rental cars abroad includes the examination of liability issues, the security for owed pensions, and the costs of litigation if you cause damage to third parties through the use of a rental car. Reimbursement occurs if there is liability insurance taken out through the rental company or the tour operator for the driver of the rental car, which meets at least the legal requirements of the country where the accident occurred and is insufficient to cover personal/property damage.

Insurance amount: Maximum limit 1,000,000 EUR

What services does the liability insurance cover?

Examination of liability issues
Security for owed pensions
Litigation costs

Reimbursement occurs if there is liability insurance taken out through a rental car company or the tour operator for the driver of the rental car, which meets the legal requirements of the rental country and is insufficient to cover personal/property damage. Our obligation to perform begins after the coverage amount of the liability insurance has been exhausted.

To the online application for Rental Car Protection Insurance

Emergency Insurance

Emergency Insurance from Hanse Merkur

Of course, Hanse Merkur also offers emergency insurance. This covers search, rescue, and recovery costs as well as patient transports. Further information can be found in the product information sheet in the online application:

To the online application for Emergency Insurance

Emergency Insurance GEOS for our Overcross Transcontinental Expeditions

For our expeditions, we offer you an extended emergency insurance that also covers higher recovery costs! Please contact us. (Only in connection with SPOT)