Travel Insurance
Explore the world worry-free. From medical emergencies abroad to trip cancellations — we protect you and your travel investment.
Get Travel CoverageEssential Protection for Every Journey
Travel should be exciting, not stressful. But unexpected events happen — illness, accidents, lost luggage, trip cancellations. Without proper insurance, a medical emergency abroad could cost you tens of thousands of euros. Travel insurance gives you peace of mind to enjoy your adventure.
Single Trip Insurance
Perfect for occasional travelers. Covers one specific trip from departure to return.
- Emergency medical treatment abroad
- Medical evacuation and repatriation
- Trip cancellation and interruption
- Lost, stolen, or delayed luggage
- Travel delay compensation
- Emergency travel assistance 24/7
Annual Multi-Trip Insurance
For frequent travelers. Covers unlimited trips throughout the year. Much better value if you travel 2+ times per year.
- Unlimited trips up to 45-90 days each
- Worldwide coverage (or Europe-only option)
- All benefits of single trip insurance
- Covers spontaneous trips (no pre-booking)
- Family coverage options available
- Business and leisure trips included
Long-Term Travel Insurance
For extended stays abroad, gap years, working holidays, or digital nomads. Covers trips longer than 3 months.
- Coverage for trips 3-24 months
- Suitable for working holidays and gap years
- Return trips home during coverage period
- Deductible options to reduce premiums
Comprehensive Coverage Details
Medical Coverage
- Emergency medical treatment and hospitalization
- Doctor visits, prescriptions, medical tests
- Dental emergency treatment
- Medical evacuation to nearest facility
- Repatriation to Germany if necessary
- Coverage for pre-existing conditions (with declaration)
Trip Protection
- Trip cancellation before departure (illness, family emergency)
- Trip interruption (cut short for covered reasons)
- Missed connections due to delays
- Travel delay compensation (meals, accommodation)
- Overbooking compensation
Luggage & Belongings
- Lost, stolen, or damaged luggage replacement
- Delayed luggage compensation
- Passport/document replacement assistance
- Emergency cash advance if wallet stolen
Why Choose Spectrum International?
Destination Expert
We recommend the right coverage level for your destination and activities.
Compare All Options
We compare policies from all major German travel insurers to find the best value.
Claims Support
If something goes wrong abroad, we help you navigate the claims process.
Family Packages
Special family rates that cover your entire household for less.
Important to Know
Most policies exclude pre-existing conditions unless declared and accepted
Extreme sports often require additional coverage (skiing, diving, etc.)
Some countries (like USA) require much higher coverage limits
Buy insurance BEFORE booking for full trip cancellation coverage
Annual policies often cheaper than 2 single-trip policies
Keep all receipts and medical reports for claims
Real Travel Emergencies
Medical Emergency in USA
Appendicitis requires emergency surgery in New York. Hospital bill: $85,000. Without insurance: Financial devastation. With travel insurance: Fully covered.
Trip Cancellation
You book €4,000 family vacation to Thailand. Your child gets seriously ill before departure. Without insurance: Lose the entire amount. With cancellation coverage: Full refund.
Lost Luggage
Airline loses your luggage on way to Greece. Need to buy clothes and toiletries: €800. Without insurance: Your expense. With coverage: Reimbursed within days.
Travel Protected, Travel Happy
Don't let unexpected events ruin your trip. Get comprehensive coverage starting from just €8 per trip.