Apollo glasses insurance: What to do if your glasses are lost and how you can be optimally covered
26.03.25
11
Minutes
Katrin Straub
Managing Director at nextsure
The shock runs deep: the expensive glasses are gone. Find out how Apollo glasses insurance helps in the event of loss and what steps you should take now to quickly regain clear vision and minimise costs.
The topic in brief and concise terms
The Apollo glasses insurance covers loss with a fifty per cent deductible for 24 months; the premium is tiered according to the value of the glasses.
Contents insurance usually does not cover the simple loss of spectacles outside the home; consider alternatives such as specialist spectacle insurance or additional cover.
Report the loss of your glasses immediately to your insurer and the lost property office; keep purchase receipts and policy documents safe.
Immediate measures if you lose your glasses: Keeping a clear head in three steps
Losing your glasses is frustrating and can significantly disrupt everyday life. First of all, stay calm. Think carefully about where you last consciously noticed your glasses. Sometimes they turn up in an unexpected place again, perhaps after just one day of searching.
If the glasses remain untraceable, these are the first important steps:
Contact the lost property office of your city or municipality immediately. Many now also offer an online search, which speeds up the process.
Create notices in local online groups or on notice boards. A small finder’s reward can increase the finder’s motivation.
Inform your glasses insurance, if available, about the loss. Clarify the next steps and deadlines for filing a claim; often you only have a few days.
These initial measures increase the chance of finding your glasses again or at least setting the course for a replacement. In the next step, we look at the specific benefits of Apollo glasses insurance.
Analysing the scope of cover of Apollo glasses insurance in the event of loss
Apollo glasses insurance provides cover if your glasses purchased from Apollo are lost. It is important to know that in the event of loss, an excess of fifty per cent of the original purchase price applies. This insurance generally has a term of 24 months and can be taken out directly when buying the glasses at one of Apollo’s around 900 branches.
The premium for this cover depends on the value of your glasses. For example, the insurance for glasses costing up to one hundred euros is a one-off payment of ten euros. For more expensive models, for example those over nine hundred euros, the premium can be up to one hundred euros. In the event of a loss and a claim being made, the policy ends early. If you do not need the insurance during the term, Apollo refunds the premium in the form of a voucher. This service is a clear advantage for many customers. Bear in mind that this insurance is pure property insurance and differs from a private supplementary insurance. Next, we will look at the exact claims notification and processing.
Damage claim with Apollo: Four steps to a replacement pair of glasses
If you have lost your glasses and are insured with Apollo, a prompt and accurate claim report is essential. Report the loss to your Apollo branch immediately. There you will be guided through the process. The handling is usually straightforward and aims to provide you with a replacement as quickly as possible. For smooth processing, you should ideally have your insurance documents and the receipt for the glasses ready.
The usual steps are as follows:
Visit your Apollo branch, ideally the one where you purchased the glasses and insurance.
Describe the loss to the staff. They will record your claim.
After the claim has been reviewed and taking the fifty per cent excess into account, you can choose a new, equivalent pair of glasses.
The new glasses will then be made for you. Insurance cover for the original glasses ends with this service.
Apollo's quick response helps to minimise the inconvenience caused by losing your glasses. But what if there is no specific glasses insurance?
Check alternative cover and contents insurance
Not every glasses wearer has specific glasses insurance like Apollo’s. Contents insurance usually does not cover simple loss away from home. It generally only covers damage caused by defined risks such as fire or burglary in the home. Simple loss while out and about is usually not covered, which many people only realise in the event of a claim.
However, some private supplemental health insurance policies include contributions towards visual aids. These often pay a fixed amount every two years, for example three hundred or four hundred euros, for a new pair of glasses or contact lenses. Direct replacement in the event of loss is not always the main purpose, though. Some optician chains also offer insurance that covers loss, such as eyes + more with an excess of thirty per cent in the event of loss. It is worth comparing the terms carefully before taking out a vision aids insurance policy. Now on to the experts’ tips for optimal protection.
Expert tips for optimal glasses protection and prevention
To avoid the hassle of losing your glasses or to be optimally prepared should the worst happen, there are a few tried-and-tested strategies. Our expert tip: Always keep invoices and insurance policies close at hand, for at least two years. This makes any claim notification much easier. Regularly reviewing your cover, for example every 24 months, is also advisable.
Here are some further recommendations:
Make a habit of always putting your glasses in the same place, both at home and when you're out and about. A sturdy case provides extra protection.
For sporting activities or travel, a cheaper spare pair of glasses or daily contact lenses can be a worthwhile investment.
Check the terms of your health insurance benefits for glasses; subsidies are rare, but possible for children or in cases of severe visual impairment.
Make a note of the exact model designation and your prescription details. This speeds up reordering if you lose them.
These measures help minimise the risk and enable quicker action in an emergency. Finally, we summarise the key points and provide an outlook.
Conclusion and outlook: The right care for your visual aid
Losing a pair of glasses is always unpleasant, but with the right preparation and knowledge of your insurance options, the consequences can be mitigated. Apollo glasses insurance offers partial replacement in the event of loss, subject to a fifty per cent excess, within the first two years. This can be valuable help, especially for higher-priced models. It is important to know the exact terms and the amount of the premium, which is based on the price of the glasses (e.g. ten euros for glasses up to one hundred euros).
Alternatives such as private supplementary insurance or offers from other opticians should also be considered, as the conditions can vary significantly. Household contents insurance usually does not provide cover for simple loss outside the home. Also think about preventive measures and good organisation of your documents. At nextsure, we will be happy to provide you with comprehensive advice on your individual insurance options. Request your personal risk analysis now: Have your insurance situation checked free of charge and receive specific suggestions for optimisation.
More useful links
Wikipedia provides a comprehensive overview of spectacle insurance in Germany.
Test.de (Stiftung Warentest) provides an article on spectacle insurance that helps consumers make decisions.
Statista provides statistical data on the proportion of adults in Germany who wear spectacles or contact lenses.
The Central Association of Opticians and Optometrists (ZVA) provides an industry report on the German optical industry.
The Federal Ministry of Health provides information on aids, which in certain cases can also include vision aids.
The Federal Joint Committee (G-BA) publishes decisions on aids, which may also include regulations on the provision of vision aids.
Sehen.de presents a press release on the Allensbach spectacle study 2024-25 with figures and facts on spectacle use.
The German Insurance Association (GDV) provides general information on the insurance industry, which may also be relevant to spectacle insurance.
The Federal Statistical Office (Destatis) provides data on healthcare expenditure in Germany.
FAQ
What is the excess for Apollo glasses insurance if I lose my glasses?
If you lose your glasses, the excess under Apollo glasses insurance is fifty percent of the original purchase price of the glasses.
Can I insure any pair of glasses at Apollo?
No, Apollo glasses insurance can only be taken out for glasses that were purchased directly from Apollo Optik.
What happens if I don’t make a claim on my Apollo glasses insurance during the policy term?
If you do not make a claim on your Apollo glasses insurance during the term of up to 24 months, Apollo will refund the premium you have paid in the form of a personal voucher.
Does Apollo’s glasses insurance also cover theft?
Yes, Apollo glasses insurance also covers theft. The terms, such as the 50% excess, are the same as for loss.
Where can I take out Apollo glasses insurance?
You can take out the glasses insurance at any of the around 900 Apollo branches in Germany, either directly when purchasing your glasses or at the latest on the day of collection.
Are there alternatives to Apollo glasses insurance?
Yes, there are alternatives. Other optical chains offer their own insurance policies (e.g. eyes + more). In addition, there are private supplementary health insurance policies that may include benefits for visual aids, but they often do not specifically cover loss.
