Apollo Glasses Insurance: What to do if your glasses are lost and how to ensure you're optimally covered
26 Mar 2025
7
Minutes
Katrin Straub
CEO at nextsure
The shock runs deep: The expensive glasses are gone. Discover how the Apollo glasses insurance provides coverage in case of loss and what steps you should take now to quickly regain clear vision and minimize costs.
The topic in brief and concise terms
The Apollo eyewear insurance covers loss with a fifty percent deductible for 24 months; the premium is tiered according to the value of the glasses.
Home insurance policies usually do not cover simple loss of glasses outside the home; consider alternatives like special glasses insurance or additional coverage.
Report a loss of glasses immediately to your insurance company and the lost property office; keep purchase receipts and policies carefully.
Immediate Actions for Lost Glasses: A Clear Head in Three Steps
Losing your glasses is frustrating and can significantly impact daily life. First and foremost, stay calm. Consider carefully where you last consciously noticed your glasses. Sometimes they reappear in an unexpected place, possibly after just a day of searching.
If the glasses remain untraceable, these are the first important steps:
Contact your city or town's lost property office immediately. Many now offer an online search, which speeds up the process.
Create search notices in local online groups or on bulletin boards. A small finder's reward can increase the motivation of the finder.
Inform your glasses insurance, if available, about the loss. Clarify the next steps and deadlines for a damage report; often, it's only a few days.
These initial measures increase the chance of finding your glasses again or at least set the wheels in motion for a replacement. In the next step, we will consider the specific services of Apollo glasses insurance.
Analyze the scope of coverage of the Apollo eyewear insurance in case of loss
The Apollo glasses insurance provides protection if your glasses purchased from Apollo get lost. It is important to know that in the event of loss, a deductible of fifty percent of the original purchase price is required. This insurance typically has a term of 24 months and can be taken out directly when purchasing the glasses at one of the approximately 900 Apollo branches.
The premium for this cover depends on the value of your glasses. For example, insurance for glasses up to one hundred euros costs a one-off fee of ten euros. For more expensive models, such as those over nine hundred euros, the premium can amount to up to one hundred euros. In the event of loss and claiming the insurance benefit, the contract ends prematurely. If you do not need the insurance during the term, Apollo reimburses the premium in the form of a voucher. This service is clearly advantageous for many customers. Please note that this insurance is a pure property insurance and differs from a private supplementary insurance. Next, we will go into the exact reporting and processing of damages.
Damage report at Apollo: In four steps to a replacement pair of glasses
If you have lost your glasses and are insured through Apollo, a prompt and accurate damage report is crucial. Report the loss immediately at your Apollo branch. They will guide you through the process. The procedure is usually straightforward, aiming to get you a replacement as quickly as possible. For a smooth process, it is ideal to have your insurance documents and the purchase receipt for the glasses ready.
Here’s a typical process:
Visit your Apollo branch, ideally the one where you purchased the glasses and insurance.
Describe the loss situation to the staff. They will record your damage report.
After assessing the claim and considering the fifty percent deductible, you can choose a new pair of equivalent glasses.
The new glasses will then be made for you. The insurance coverage for the original glasses ends with this provision.
Apollo's quick response helps minimize the inconvenience caused by the loss of glasses. But what if there is no specific glasses insurance?
Check alternative insurances and household insurance
Not every glasses wearer has a special optical insurance policy like the one from Apollo. Home insurance usually does not cover simple loss outside one's own four walls. It typically only covers damage due to defined risks such as fire or burglary in the home. Simple loss on the go is typically not covered by this, which many people only realise when the damage occurs.
However, there are private additional health insurances that include subsidies for visual aids. These often pay a fixed amount every two years, for example, three hundred or four hundred euros, for new glasses or contact lenses. Direct replacement in case of loss is not always the main purpose. Some optician chains also offer insurances that cover loss, such as eyes + more, with a thirty percent deductible in case of loss. It is worth comparing the conditions carefully before taking out a visual aid insurance. Now to the expert tips for optimal protection.
Expert tips for optimal eye protection and prevention
To prevent the hassle of losing your glasses or to be optimally prepared just in case, there are some tried-and-tested strategies. Our expert tip: Always keep receipts and insurance policies easily accessible, at least for a period of two years. This greatly facilitates any damage claims. Regularly reviewing your insurance cover, for example, every 24 months, is also advisable.
Here are some further recommendations:
Get into the habit of having fixed storage places for your glasses, both at home and on the go. A sturdy case offers additional protection.
For sports activities or travel, investing in a cheaper second pair of glasses or daily contact lenses can be worthwhile.
Check the terms of your health insurance benefits for glasses; subsidies are rare, but possible for children or in cases of severe visual impairment.
Write down the exact model designation and your vision prescription. This speeds up reordering in case of loss.
These measures help minimize risks and enable quicker action in an emergency. Finally, we summarize the key points and provide a preview.
Conclusion and Outlook: The Right Precautions for Your Glasses
Losing a pair of glasses is always unpleasant, but with the right preparation and knowledge of your insurance options, the consequences can be mitigated. The Apollo Glasses Insurance offers partial replacement in case of loss with an excess of fifty percent within the first two years. This can be a valuable support, especially for higher-priced models. It is important to know the exact conditions and the amount of the premium, which depends 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, although conditions can vary greatly. Household insurance typically does not cover simple loss outside the home. Consider preventive measures and good organisation of your documents. At nextsure, we offer comprehensive advice on your individual insurance options. Request your individual risk analysis now: Have your insurance situation checked free of charge and receive specific suggestions for optimisation.
More useful links
Wikipedia offers a comprehensive overview of eyeglasses insurance in Germany.
Test.de (Stiftung Warentest) provides an article on eyeglasses insurance to assist consumers in making decisions.
Statista provides statistical data on the proportion of adults in Germany who wear glasses or contact lenses.
The Central Association of Opticians and Optometrists (ZVA) provides an industry report on the German optical sector.
The Federal Ministry of Health provides information on aids, which in certain cases can include visual aids.
The Federal Joint Committee (G-BA) publishes resolutions on aids, which can also include regulations on the provision of visual aids.
Sehen.de presents a press release on the Allensbach eyeglasses study 2024-25 with facts and figures on eyeglasses usage.
The German Insurance Association (GDV) offers general information on the insurance industry, which may also be relevant for eyeglasses insurance.
The Federal Statistical Office (Destatis) provides data on healthcare expenditure in Germany.
FAQ
What is the excess for the Apollo glasses insurance if I lose my glasses?
If you lose your glasses, the excess for Apollo's glasses insurance is fifty percent of the original purchase price of the glasses.
Can I insure any pair of glasses at Apollo?
No, the Apollo eyewear insurance can only be taken out for glasses purchased directly from Apollo Optik.
What happens if I don't use my Apollo glasses insurance during the term?
If you do not use your Apollo glasses insurance during the term of up to 24 months, Apollo will refund the premium paid in the form of a personal voucher.
Does the Apollo glasses insurance also cover theft?
Yes, the Apollo glasses insurance also covers theft. The conditions, such as the fifty percent deductible, are the same as for loss.
Where can I take out the Apollo glasses insurance?
You can take out the glasses insurance at any of the approximately 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 optician chains offer their own insurance policies (e.g. eyes + more). Additionally, there are private supplementary health insurance plans that may include benefits for visual aids, though they often do not specifically cover loss.
