Essential Travel Insurance for Your Trip

Of course, we hope your trip goes exactly as planned — without a hitch and full of unforgettable moments. But unexpected things can happen, and that's why it's important to protect yourself in advance. At Overcross, we're happy to advise you on the right travel insurance coverage alongside your trip and flight bookings. We work with our long-standing partner HanseMerkur Insurance Group, which consistently delivers outstanding results — including top ratings for international health insurance and trip cancellation insurance, recognized year after year with Very Good to Good scores by Stiftung Warentest.

Please note: International health insurance is mandatory for participation in many of our tours! Annual plans with excellent value are also available.

Overview of Our Travel Insurance Options

HanseMerkur Insurance is your specialist for all types of coverage — especially travel insurance and health insurance, which have won multiple awards. To help you travel abroad carefree and worry-free, we offer tailored personal protection through HanseMerkur products. Trust the test winner!

Explore your options here and take out the right travel insurance or international health insurance online today.

International Health Insurance

Trip Cancellation Insurance

Travel Insurance Package

Rental Car Protection Insurance

Emergency Insurance

International Health Insurance

International health insurance covers you where your regular health plan doesn't — abroad. We offer several options:

Annual International Health Insurance

Coverage for any number of vacations up to 56 days each

Product highlights:

  • Coverage for unlimited vacation trips up to 56 days each
  • Coverage for business trips up to 10 days
  • Worldwide validity
  • Private patient status abroad
  • No age limit
  • Affordable family rates
  • Medically necessary repatriation costs are covered
  • Continued coverage until fit for transport
  • No deductible
  • Annual premium: from €9.90

Please note:
Coverage renews automatically each year unless cancelled in writing by the policyholder at least one month before expiration, or unless other grounds for termination apply.

Apply Online for Annual International Health Insurance

International Health Insurance for Up to One Year

Stay covered for up to 365 days with HanseMerkur — long-term international health insurance

Product highlights:

  • HanseMerkur covers medical treatments, medications, and remedies abroad for stays of up to 365 days
  • Important: Coverage must be purchased before departure for the entire planned period.
  • No deductible!
  • Return early? We'll refund the unused portion of your premium!
  • Need to extend? You can apply to extend within the maximum coverage period.
  • Premiums are calculated on a daily basis.
  • No age limit
  • Daily rate from €1.15 per day

Apply Online for International Health Insurance for Up to One Year

Trip Cancellation Insurance

The most common reason for canceling a trip is illness. That's why trip cancellation insurance is essential protection against this and other unexpected risks.

Basic Trip Cancellation Insurance

Trip cancellation insurance protects you only before your trip begins!

What does trip cancellation insurance cover?

  • Reimbursement of contractual cancellation fees if a covered event prevents you from starting your trip or using your rental accommodation
  • Reimbursement of additional outbound travel costs if you depart late due to a covered event
  • Reimbursement of rebooking fees up to the amount of cancellation costs, if a covered event occurs
  • Reimbursement of single-room surcharges if your travel companion must cancel due to a covered event

What events are covered?

  • Sudden serious illness, death, or accidental injury
  • Pregnancy
  • Broken prosthetics or loosening of implanted joints
  • Vaccination intolerance
  • Notification of organ donation or transplant appointment
  • Layoff or rehiring after unemployment, short-time work
  • Job change where the probation period falls within the insured travel dates
  • Significant property damage (min. €2,500) due to fire, natural events, water damage, or criminal acts by third parties
  • Student protection: make-up exam falls within the insured travel period, grade retention, or failure to qualify for an exam
  • Unexpected court summons
  • Adoption of a minor child requiring your presence
  • Public transportation delay (including ICE) of at least 2 hours
  • Sudden serious illness of an insured person's dog or cat registered for the trip

Deductible:

No deductible for all covered events except outpatient illness treatment. In that case, the deductible is 20% of the claimable loss, with a minimum of €25 per insured person.

Apply Online for Trip Cancellation Insurance

Trip Cancellation Insurance with Vacation Guarantee (Trip Interruption Coverage)

The Vacation Guarantee also covers events that occur after your trip has already begun.

What does the Vacation Guarantee cover?

  • Full reimbursement of trip cost if you must cut the trip short during the first half (max. within the first 8 days)
  • Reimbursement of unused travel services if the trip is cut short during the second half (from day 9 onward)
  • Reimbursement of additional travel costs to rejoin your group during an interrupted tour

What events are covered by the Vacation Guarantee?

  • Sudden serious illness, death, or accidental injury
  • Pregnancy
  • Broken prosthetics
  • Vaccination intolerance
  • Notification of organ donation or transplant appointment
  • Significant property damage (min. €2,500) due to fire, natural events, water damage, or criminal acts by third parties
  • Unexpected court summons
  • Adoption of a minor child requiring your presence
  • Public transportation delay of at least 2 hours
  • Mandatory trip extension due to natural disasters or extreme weather events

Deductible:

No deductible for all covered events except outpatient illness treatment. In that case, the deductible is 20% of the claimable loss, with a minimum of €25 per insured person.

Apply Online for Trip Cancellation Insurance with Vacation Guarantee

Travel Insurance Package — 5-Star Premium Protection

Apply Online for the Travel Insurance Package — 5-Star Premium Protection

Rental Car Protection Insurance

What does your rental car coverage include?

Collision Damage Waiver (CDW)
The CDW reimburses the deductible charged by the car rental company or directly by their comprehensive insurance provider in the event of a covered incident. Full policy details are available below.

Coverage amount: Cars and motorcycles — €2,500

What does the CDW cover?

  • Reimbursement of the deductible for comprehensive damage claims

The CDW is a supplemental auto insurance policy for rental vehicles. It covers the deductible — up to the policy limit — charged by the primary comprehensive insurance of the rental vehicle in the event of a damage claim.

Third-Party Liability Insurance (Mallorca Policy)

Third-party liability insurance for rental cars abroad includes liability assessment, security deposits for ongoing injury claims, and litigation costs when you cause damage to others while operating a rental vehicle. Coverage applies when the rental company's or tour operator's liability insurance for the driver meets at least the minimum legal requirements of the country where the accident occurred but is insufficient to cover all personal injury or property damage.

Coverage limit: up to €1,000,000

What does third-party liability insurance cover?

  • Liability assessment
  • Security deposits for ongoing injury claims
  • Litigation costs

Coverage applies when rental company or tour operator liability insurance for the driver meets the legal requirements of the rental country but is insufficient to cover all personal or property damage. Our coverage obligation begins once the rental vehicle's liability coverage limit is exhausted.

Apply Online for Rental Car Protection Insurance

Emergency Insurance

HanseMerkur Emergency Insurance

HanseMerkur also offers comprehensive emergency insurance covering search, rescue, and recovery costs, as well as emergency medical transport. Full details are available in the product information sheet within the online application:

Apply Online for Emergency Insurance

GEOS Emergency Insurance for Overcross Transcontinental Expeditions

For our expeditions, we offer extended emergency insurance that also covers higher rescue costs. Please contact us for details. (Available in conjunction with SPOT only)

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