Am I flying from Mallorca to Germany at Christmas, am I not flying? What happens if I do not want to take the booked flight for fear of infection or if I already have Covid 19 symptoms? If you want to protect yourself and are considering taking out travel cancellation insurance, you should know exactly the conditions of the provider.
Axa Anke Sevenster, for example, offers travel insurance in which travel cancellation insurance (cancellation insurance) is included. In addition to the cancellation, the insurance also covers medical care abroad. An example: for the period from December 23rd to December 30th, 2020, the medium tariff for trips within Europe costs 19.41 euros per person. For families, the costs add up depending on the number of members (more information: https://www.ankesevenster.com/de/produkte/Reiseversicherung).
Attention: The insurance also covers the cancellation of the trip up to 300 euros (can be increased), but only the reasons stated in the insurance that could prevent you, such as: accident, serious illness, death of a close relative, count or complications in pregnancy. All health reasons must be proven by a doctor’s certificate.
If a policyholder decides on his own initiative that he does not want to travel because he is afraid or because it is currently too cumbersome for him, the insurance does not apply. Helena Hemberger from Axa Anke Sevenster generally recommends making sure that you always comply with the currently valid restrictions. “If someone books a trip in the middle of a lockdown, the reimbursement of costs can be problematic – unless there is a valid reason for the trip,” says Hemberger, who advises that such details and special cases should always be checked before taking out insurance .
The travel insurance offered by Iberia Versicherungsmakler (www.iberiaversicherungsmakler.com), in addition to the reasons mentioned, only applies in the event of a withdrawal if travelers themselves are sick with Covid-19, are in quarantine or need medical treatment for other reasons and can prove this with a certificate . Even high-risk patients must have acute complaints when they start their journey. The following are excluded: increasing Covid numbers and therefore fear of travel or the cancellation of the trip by the tour operator or the airline. (You can find out what rights passengers have in the latter case here.)
One person pays around 36 euros for a one-week trip to Europe (starting in Spain) and 55 euros for two weeks. There is a five percent discount for five or more people who do not form a family.
Families with three or more members (at least one minor must be present) pay 15 percent less. The insurer Arag, with whom Iberia insurance broker works, will then cover costs of up to 1,200 euros per insured person, for example for the booked hotel, rental car or flight tickets, in the event that a trip to Germany is not made.
Some airlines also offer insurance when booking. Here, too, it is important to read the small print carefully and generally consider: the cheaper the price of the tickets, the less profitable it is to take out insurance. For those who want to be able to withdraw of their own free will until the last moment, in case of doubt it is better to book with an airline that offers flexible rebooking conditions.
Ultimately, according to Alfonso Rodríguez from the Spanish consumer protection agency Consubal, only those who would do this regardless of the pandemic should take out travel insurance because of their living conditions.
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