Holiday insurance in no time: When does travel cancellation insurance make sense?

Flu season is just around the corner. According to the weekly report for week 36 of the Robert Koch Institute's Acute Respiratory Diseases Working Group, the activity of flu, corona and colds is at a higher level than at this time last year. The flu season typically begins in early October. If you want to travel in the fall, you won't be left with the cost of your vacation if you cancel or interrupt your trip due to illness if you have the appropriate insurance.

Important in autumn: take out travel cancellation and trip interruption insurance

The consumer advice center recommends travel cancellation and trip interruption insurance for expensive vacations or trips with children. A seasonal aspect could also be added to this recommendation. In autumn, the probability of adults and children becoming infected with flu viruses is higher. Even if everything is fine on the way to vacation, an acute autumn flu infection can unintentionally shorten the vacation fun just a few incubation stages later. In these cases, travel cancellation insurance is worth the money. The Finanztip portal recommends the following minimum criteria for travel cancellation insurance:

Together with its insurance partner Axa, American Express offers comprehensive travel cancellation insurance. Only a few relevant details are entered in the order form, and within just a few minutes the policy is ordered, paid for and immediately valid. If you choose the annual policy, you are insured for as many trips as you want in a year. This can be worthwhile for people who go on frequent vacations. However, insurance for a single vacation is only worthwhile if the trip is correspondingly expensive.

Click here for the offer at American Express

Details of the travel cancellation police:

Good travel cancellation insurance should cover comprehensive benefits. A look at the insured reasons for cancellation or interruption of travel gives a good idea of ​​the cases in which the police offer coverage. The following reasons should definitely be included:

The travel cancellation insurance from Europ Assistance offers an excellent insurance package. Stiftung Warentest recently awarded the annual policy and the insurance for individual trips the test winner with top marks.

Click here for the offer at Europ Assistance

All-in-one solutions when things need to happen particularly quickly

Sometimes things have to happen quickly. Spontaneous vacation trips cannot be planned and prepared in detail. Sometimes it is not possible to look for individual offers for trip cancellation, international health insurance or baggage insurance shortly before departure. For such cases, there are comprehensive travel insurance policies. The consumer advice center criticizes the fact that such insurance packages often over-insure consumers, but really do not leave any gaps in insurance before short-term autumn trips, and would like to look at corresponding offers.

The complete travel protection from American Express and the insurance partner Axa offers comprehensive insurance cover. The package includes:

Click here for the complete travel protection offer from American Express

Holiday insurance: When does the insurance cover take effect?

Ideally, travelers take out insurance before booking a vacation. Policies are valid immediately after vacationers receive the insurance certificate from the insurer. The insurance certificate is usually sent by email with all other contract documents after payment.

Some insurers also cover holidays that were booked shortly before the conclusion of a police policy with the corresponding framework. Travellers should check the contract terms and conditions of the respective police force to see whether this is the case.

This article contains so-called affiliate links. Further information can be found here.