Cultural trips
School trips
school trip insurance
School Trip Insurance: Stress-free on Class Trips – Here's How!
A school trip is an unforgettable experience, but what happens in case of illness or accident? Protect your school trip with suitable insurance. Learn more about the various options and find the best school trip insurance for your needs. Do you need individual advice? Get in contact with us here.
The topic, briefly and concisely
An all-encompassing student travel insurance is essential to protect against unexpected costs from cancellations, travel interruptions or illnesses. It offers financial security for students, parents, and teachers.
The travel cancellation and interruption insurance are essential components that cover cancellation costs and additional return travel expenses. Pay attention to specific cancellation reasons such as non-promotion or retake exams to be optimally covered.
A group insurance offers affordable premiums and easy processing for school trips. Compare providers like ERGO and TravelSecure to find the best protection and save up to 30% on insurance costs.
Planning a school trip? Protect yourself from unforeseen costs with the right student travel insurance. Find out more now!
Planning a class trip? Then a comprehensive student travel insurance is essential. It protects against unexpected costs that may arise from cancellations, trip interruptions, or illnesses. At GoTuro, we understand how important it is for students, parents, and teachers to focus on an enjoyable trip without worries. That's why we offer tailored solutions to meet your individual needs. With the right cancellation insurance and trip interruption insurance, you are well protected.
Student travel insurance is more than just a safety net – it's a promise for a worry-free trip. Whether it's a class trip, student exchange, or study tour, the right insurance protects against financial risks and provides you with the necessary security. Inform yourself now and compare the different options to find the optimal protection for your journey. This way, you can ensure your class trip becomes an unforgettable and positive experience.
We offer not only insurance but also comprehensive advice to ensure you make the best choice for your needs. Our experts are always available to answer your questions and assist you in choosing the right travel insurance. This way, you can plan and enjoy your trip with peace of mind.
Trip Cancellation and Interruption: Optimal Protection Against Unexpected Costs
The Travel Cancellation Insurance is a central component of any school trip insurance. It covers cancellation costs if the trip cannot be taken for unforeseen reasons. These could be illness, an accident, or other serious events. It is particularly important that specific reasons for cancellation, such as not passing a grade or a resit exam, are also covered. Be aware of the deadline for taking out insurance, which is often 30 days before the start of the trip, as reiseversicherung.com emphasises.
The Trip Interruption Insurance applies if the journey has already begun and needs to be cancelled. Again, illness, accidents, or other emergencies are the most common reasons. The insurance reimburses unused travel services and additional return travel costs. It is important to check the exact conditions and coverage amounts to be optimally protected in serious cases. The Trip Interruption Insurance provides you with the security that you are protected from unexpected financial burdens during the journey.
Comprehensive protection also includes the consideration of rebooking costs. Some insurance policies, like HMRV, cover these costs up to a certain amount if the trip is rebooked up to 42 days before departure. This offers additional flexibility and security in planning your school trip.
International Health Insurance: Ensuring Medical Care Worldwide
Foreign health insurance is indispensable when the school trip goes abroad. It covers the costs of medical treatments, medications, and hospital stays abroad. As statutory health insurance often provides limited cover abroad, additional coverage is strongly recommended. Coverage for medical repatriation is particularly important, as this is generally not covered by statutory health insurance. The Bernhard Reiseversicherung points out that foreign health insurance also covers costs for treatments related to COVID-19.
The foreign health insurance offers you the reassurance that your students will receive the best possible care in the event of illness or accident abroad. Make sure that the insurance provides a 24-hour emergency hotline that can offer prompt and straightforward assistance in case of emergency. Some insurance policies, such as the ERGO student travel insurance, even offer hospital visits and the repatriation of children.
It is advisable to carefully check the exact services and exclusions of the foreign health insurance. Some insurances, for instance, exclude treatments by alternative practitioners or cosmetic procedures. Ensure that the insurance covers all important medical services that might be needed during the trip. This way, you can ensure that your students are optimally protected abroad.
Risk of teacher absence: Avoid cancellation costs if the tour guide is unavailable
The teacher absence risk is an often overlooked but important aspect of school trip insurance. If a teacher or another chaperone is unable to attend and no replacement can be found, the trip may need to be cancelled. In such cases, the insurance covers the cancellation costs. Some providers, like ERGO Reiseversicherung, offer a special teacher absence cover that covers these costs.
The teacher absence cover is particularly important as the absence of a chaperone can jeopardise the entire trip. Ensure that the insurance covers the cancellation costs for the whole group if the trip has to be cancelled due to a teacher's absence. Some insurers require at least two chaperones to participate in the trip to make use of the teacher absence cover, as highlighted by TravelSecure.
It is advisable to carefully review the exact conditions of the teacher absence cover. Some insurances exclude the absence of teachers over 65 years of age. Make sure the insurance covers all important aspects relevant to organising your school trip. This way, you can ensure financial protection even if a supervisor is unable to attend.
Group insurance: Take advantage of affordable premiums and straightforward processing
A group insurance offers numerous benefits compared to individual insurances. It is often more cost-effective and provides uniform conditions for all participants. Additionally, it simplifies the organisation and management of the insurance. Many providers, such as HMRV, offer special group insurances for students and young people up to the age of 30.
The group insurance allows all students to be insured under a single policy. This saves time and effort in managing the insurances. Moreover, all participants benefit from the same services and conditions. Ensure that the insurance also covers cancellation costs if a student is unable to participate in the trip.
Note that group insurances often require a minimum number of participants. Some providers, like Reiseschutz Deutschland, require, for example, a minimum of 6 students. Make sure that your travel group meets this requirement to take advantage of the benefits of group insurance. This way, you can ensure that all participants are optimally protected and can enjoy the trip without worries.
Compare providers: Examine ERGO, TravelSecure & Co. in detail
Selecting the right provider is crucial for comprehensive school trip insurance. There are numerous providers in the market offering different services and prices. Among the most well-known providers are ERGO, TravelSecure, HanseMerkur, Allianz Travel and URV. It is advisable to carefully examine and compare the services and prices of these providers. Pay attention to the specific conditions and exclusions to ensure the insurance meets your individual needs. However, reiseversicherung.com points out that their selection of insurers and contracts is limited.
Various factors play a role in pricing. Costs depend on the travel price, duration of the trip, and the destination area. Look out for policies with no deductible or a low deductible to avoid additional costs in the event of a claim. Some providers, such as the ERGO school trip insurance, offer special rates for school groups with no deductible.
It is important to be aware of the deadlines for signing up. Ideally, the insurance should be taken out directly when booking the trip. Many providers set a deadline of 30 days before the trip or within a few days of booking. Do not miss these deadlines to ensure full insurance coverage. This way, you can ensure you are optimally protected in the case of an unexpected event.
Prepare documents: Check your passport, ID and others in good time
Good preparation is essential for a successful school trip. This includes the timely checking and preparation of all important documents. Make sure that all passports, identity cards, and health cards are valid. Make copies of the most important documents and keep them separate from the originals. In case of loss or theft, you can quickly access the necessary information. The HMRV recommends checking the validity of the documents early.
Save all important emergency numbers and contact details in your mobile phone. These include the insurance company's 24-hour emergency hotline, the contact details of the tour operator, and the emergency numbers of the embassy or consulate in the destination country. Find out about the specific risks and requirements of the trip. Are there any special vaccinations or health precautions that need to be taken? Are there specific behavioural rules to observe?
Use checklists to consider all important points in the planning and organisation of the school trip. This way you can ensure that nothing is forgotten and that the trip runs smoothly. Good preparation is the best protection against unexpected problems and ensures a relaxed and unforgettable school trip.
Claim Notification: How to Submit Your Claim Correctly
In the event of a loss, it is crucial to act quickly and correctly. Find out the exact procedure for reporting a claim with your insurance provider. Most insurers offer online forms and phone reporting. Keep all relevant documents ready, such as the booking confirmation, a medical certificate or a police report. Reiseschutz Deutschland provides information on how to report a claim.
Observe the deadlines for reporting the claim. Some insurers set a deadline of a few days or weeks. Document all costs and expenses carefully. Keep all receipts, invoices, and slips to present them when filing the claim. The better you document the loss, the faster and smoother the processing will be.
Inform yourself about the exact conditions and benefits of your insurance. What costs are covered? Is there an excess? Which documents are required? The better informed you are, the easier it will be to report the claim and the faster you will receive the compensation you're entitled to. This ensures that you receive the optimal support in case of a loss.
Comprehensive student travel insurance: Safety for carefree journeys
More useful links
reiseversicherung.com offers information and comparisons on various travel insurances, including those for school trips and study trips.
HMRV provides special group insurance for students and young people up to 30 years of age, and informs about important documents for school trips.
Bernhard Reiseversicherung points out that the international health insurance also covers costs for treatments related to COVID-19.
ERGO Schülerreiseversicherung provides information about their school trip insurance, including medical visits and repatriation of children, as well as special rates for student groups without deductible.
ERGO Reiseversicherung offers a special teacher absence coverage that covers cancellation costs in the event of the travel leader's absence.
TravelSecure emphasizes that some insurances require at least two supervisors to participate in the trip in order to be eligible for the teacher absence coverage.
Reiseschutz Deutschland offers special group insurance for students and information on damage reports.
FAQ
What does a student travel insurance typically cover?
A student travel insurance usually covers cancellation costs (trip cancellation), trip interruption costs, medical expenses abroad (international health insurance), and optionally accident and liability damages. Some policies also include teacher failure cover.
Up to what age can students be insured?
Many insurance companies offer special rates for students and young people up to the age of 25 or 30. The exact age limits vary depending on the provider.
What is the difference between trip cancellation and trip interruption insurance?
The trip cancellation insurance covers costs if the trip must be cancelled before departure. The trip interruption insurance applies if the trip has already begun and must be interrupted, for example, due to illness or accident.
Why is international health insurance important for school trips?
The statutory health insurance often provides limited or no coverage abroad. An international health insurance covers costs for medical treatments, medications, and medical repatriation that occur abroad.
What is teacher absence cover and when does it apply?
The teacher absence cover covers the cancellation costs if a supervisor (teacher) is unable to attend and the school trip must be cancelled as a result. This is particularly important, as the absence of a supervisor can jeopardise the entire trip.
What are the benefits of group insurance for school trips?
A group insurance is often more cost-effective than individual insurances and offers uniform conditions for all participants. It also simplifies the organisation and management of the insurance.
Which providers of student travel insurance are available?
The most well-known providers include ERGO, TravelSecure, HanseMerkur, Allianz Travel and URV. It is advisable to carefully check and compare the services and prices of these providers.
What should I consider when reporting a claim?
In the event of a claim, it is important to act quickly and correctly. Find out about the exact process of the claim reporting with your insurance provider and have all relevant documents ready (e.g. booking confirmation, medical certificate).
