Globally safe. Medically cared for.
Nextsure's travel health insurance provides you with comprehensive protection against unexpected medical expenses abroad, allowing you to enjoy your travels worry-free.
Worldwide Protection
Flexible Tariffs (optional without excess)
Medical repatriation included
Why is travel health insurance indispensable?
Coverage of high medical treatment costs abroad.
Protection in acute emergencies and accidents.
Organisation of medically necessary repatriations.
Cover for individual trips and annual contracts.
The core benefits of nextsure travel health insurance in detail
Travel health insurance is a fundamental component of any thorough travel preparation. Medical emergencies abroad can occur unexpectedly and, without adequate insurance cover, can lead to significant financial burdens. Statutory health insurance providers in Germany (GKV) often only provide limited or no coverage for treatment costs abroad. Within the EU and in countries with social insurance agreements, there is basic protection provided by the European Health Insurance Card (EHIC), but this only covers services considered standard in the respective travel country and often excludes private doctors or clinics, as well as medical repatriation. Outside of Europe, GKV protection is usually not provided at all. The nextsure travel health insurance closes this critical gap and offers you comprehensive worldwide coverage. The core benefits of our travel health insurance include coverage of outpatient and inpatient treatment costs, including doctor visits, prescribed medications, hospital stays, and urgent operations. Another important aspect is the medically advisable and justifiable repatriation to the home country if treatment on-site is not optimal or if a longer hospital stay is anticipated. Additionally, our insurance often covers pain relief dental treatments, transport to the nearest suitable hospital, and in the event of death, repatriation costs or burial abroad. When choosing your travel health insurance, pay attention to the coverage amounts, the scope of coverage (worldwide or specific regions), and any possible excesses. With nextsure, you are optimally protected worldwide and can focus on what matters: your journey.
Our Service Promise
Your protection while travelling – Well cared for worldwide
Worldwide Protection
Medical care, no matter where your journey takes you.
Emergency Service
24/7 hotline for quick assistance abroad.
Cost Coverage
Outpatient and inpatient treatment costs are covered.
Return transport
Medically necessary repatriation to the home country included.
Dental treatment
Pain-relieving dental treatments and necessary repairs.
Family Tariffs
Affordable and comprehensive protection for the whole family.
Long-term Travel
Special rates for your extended stays abroad.
Digital Completion
Insure online easily, quickly, and securely.
Fair conditions
Transparent services without hidden cost traps.
nextsure Travel Health Insurance: Discover the world carefree.
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Scope: Where and for how long are you insured?
The scope of your nextsure travel health insurance is a crucial factor for your protection. Our plans generally offer worldwide coverage, ensuring you are comprehensively insured while travelling in Europe, Asia, America, Africa, and Australia. However, it is essential to review the exact conditions of your chosen plan before starting your trip, especially if you are planning journeys to countries with travel warnings from the Foreign Office or to regions where special regulations may apply. Regarding the duration of travel, we differentiate between single-trip and annual policies. Single-trip policies apply to a specifically named journey and its exact period, usually up to a maximum duration of, for instance, 42, 56, or 90 days. Annual policies, on the other hand, cover all your trips within an insurance year, with each trip also subject to a maximum duration (e.g. 6 or 8 weeks per trip). This protection is ideal for frequent travellers and families. For longer stays abroad, such as work & travel, semesters abroad, sabbaticals or long-term journeys that go beyond the usual holiday duration, we offer special long-term travel health insurance. These can be taken out for stays ranging from several months to five years. Always clarify the geographical scope and maximum travel duration before concluding the contract to ensure seamless protection in case of damage and to carry out your travel plans without worry.
Coverage: What medical services are included?
The nextsure travel health insurance is designed to provide you with comprehensive protection against unforeseen medical expenses abroad. The covered services typically include the costs for outpatient medical treatments by doctors, dentists (focused on pain-relieving treatments, simple fillings, and repairs of dental prostheses), as well as specialists. Inpatient treatments in hospitals, including operations, doctor-prescribed medication, dressings, accommodation, and meals, are also covered. A key component of the service is the medically advisable and reasonable repatriation to the home country if the local medical care does not meet German standards or if a longer hospital stay makes further treatment in the home country advisable. Additionally, depending on the policy, costs for search, rescue, and recovery operations up to an agreed limit may be covered if they become necessary as a result of an accident. In case of death, the costs for repatriating the deceased to the home country or alternatively for a burial abroad up to the contractually agreed amount are typically covered. It is important to know the exact scope of services and, in particular, the exclusions of your chosen policy. Treatments that were planned before the start of the trip or whose necessity was foreseeable (e.g., continuation of the treatment of chronic illnesses abroad) are usually not or only partially insured. Consult the insurance terms and conditions for detailed information.
What to do in an emergency? Step-by-step guide
A medical emergency abroad is a stressful situation. However, with nextsure travel health insurance by your side, you're not alone. Here is a step-by-step guide for emergencies: 1. Stay calm and immediately seek necessary medical assistance. Go to the nearest doctor or hospital. Your health is the utmost priority. 2. Inform our 24/7 emergency hotline as soon as possible. You can find the phone number in your insurance documents and on your service card. Keep your insurance number ready. 3. Describe the situation to the emergency hotline. Our experts will advise you on the next steps, can arrange interpreter services if needed, help with finding suitable doctors or clinics, and clarify the cost coverage directly with the service provider, if possible. 4. In severe cases such as a necessary hospital admission, an operation, or a potential repatriation, *prior* contact with the emergency hotline is essential to coordinate the organisation and cost coverage. 5. Gather all original documents: medical bills, prescriptions, hospital reports, proof of payment. These are essential for the later reimbursement process. Ensure that diagnoses and treatments are documented in detail. 6. After your return, submit all collected documents along with a completed claims form to us. Our claims department will ensure the prompt processing and reimbursement of your insured expenses.
Travel health insurance for families: What to consider?
Travelling with the family places specific demands on insurance coverage. A family travel health insurance policy from nextsure offers a tailored and often cost-effective solution compared to multiple individual policies. When choosing the right family tariff, consider the following aspects: Define who qualifies as a family member – usually a spouse or partner and minor children. Often, adult children in education up to a certain age (e.g., 25 years) are also covered, provided they live in the same household. Check the coverage amounts: Are these per person or accumulated for the entire family, and are they set at an adequate level? Particularly relevant benefits for families include rooming-in, i.e., coverage for the accommodation of a companion in the hospital room of a sick child. Equally essential is the medically necessary repatriation of all insured family members if one member needs to be transported back and the other family members are unable or unwilling to continue the journey alone. Consider if an annual policy is sensible if you travel as a family several times a year. This covers all trips within a policy year, with each individual trip usually subject to a maximum duration. Also, think about the specific needs of your children, such as quick access to paediatric care abroad and the arrangement of childcare if a parent with custody falls ill and can no longer provide care. nextsure is happy to advise you on finding the optimal protection for your family, so you can enjoy your travels together without worry.
Trip cancellation
Protection against high cancellation costs
Luggage
Compensation for Loss or Theft
Annual Complete
All journeys, a comprehensive contract
Long-term travel health insurance: Protection for extended stays abroad
For stays abroad that exceed the duration of a typical holiday of a few weeks, a special long-term travel health insurance is essential. This concerns, for example, students on a semester abroad, participants in work & travel programmes, expats, digital nomads, people on a sabbatical or world travellers. Standard travel health insurance, which is often limited to maximum travel durations of 42 to 90 days per trip, does not offer adequate protection here. The long-term travel health insurance from nextsure is tailored precisely to these needs and offers comprehensive coverage for stays ranging from several months to several years (e.g., up to 5 years). Important features include, in addition to the classic medical treatment costs and the medically necessary repatriation, significantly higher coverage amounts, as the risk of longer and more complex treatments increases with the length of stay. Pay attention to the scope of cover: Is the protection worldwide or are there exclusions for certain countries or the home country? Clarify the possibility of contract extensions from abroad and the rules for interim home visits. Some plans for long-term stays also provide for preventive check-ups or maternity benefits to a certain extent, which is unusual for shorter travel insurance. Compare the tariffs carefully and pay attention to the specific conditions that are relevant to your type of long-term stay and destination country. Early and comprehensive coverage with nextsure gives you the necessary assurance to plan your international venture with peace of mind.
Travel Health Insurance for Seniors: Special Aspects
Travelling in older age is a valuable asset, but it necessitates especially careful health precautions. A travel health insurance policy for seniors from nextsure caters to the specific needs of older travellers. An important aspect is existing pre-existing conditions. It is essential to provide accurate and complete information about these when applying, to avoid jeopardising coverage. Usually, acute and unexpected deterioration of chronic conditions is covered, but not treatments that were foreseeable or planned before the journey commenced. Look for policies without an age limit for joining or with as high an entry age as possible. The cover sums should be generous, as medical treatments abroad, particularly in countries like the USA or Canada, can be very expensive and older individuals may require potentially more complex medical care. The medically justifiable repatriation is a particularly important part of the benefits, as treatment in one's familiar home environment and in one's native language is often preferred and can aid recovery. Also, check whether comprehensive assistance services are included, such as the organisation of doctor's appointments, interpreter services, or notifying relatives in emergencies. Some policies offer special additional services, such as covering costs for an accompanying person in the event of illness or for a hospital visit from home. A careful comparison of the offers considering these aspects helps to find the right protection for carefree and safe travel in old age. nextsure offers transparent and powerful policies that also provide seniors with the necessary security.
Comparison: Annual policy vs. Single policy – Which suits you?
When choosing travel health insurance, you often face the decision between an annual policy and a single-trip policy (also known as an individual or short-term policy). The choice primarily depends on your individual travel habits. The single-trip policy is the right choice if you travel only once a year or very infrequently. It is taken out for a specific trip and is valid exactly for the specified travel period (e.g. a two-week holiday trip to Italy). The costs are generally lower than for an annual policy if you plan only one short trip. On the other hand, the annual policy is ideal for frequent travellers, such as those who travel several times a year for personal or business reasons, or for families who travel together more often. It covers all trips within an insurance year (usually 365 days from the start of the contract). However, each individual trip is limited in duration, for example, to a maximum of 42, 56 or even 90 days per trip. The major advantage of the annual policy lies in its convenience and often in cost: you don't have to take out insurance before each trip and save yourself administrative effort. From the second or third trip per year, an annual policy can be more cost-effective than several separate single-trip policies. Consider the following questions when making your decision: How often do you plan to travel next year? How long do your trips usually last? Do you also take spontaneous short trips for which a separate insurance would be cumbersome? For families, the annual policy is often offered as an attractive family tariff that covers all travelling family members under one contract. Carefully weigh up costs, benefits, and your personal comfort to find the optimal solution for you with nextsure.
When should I take out travel health insurance?
When taking out travel health insurance, it's easy to make mistakes that could lead to reduced benefits or even loss of coverage in an emergency. A common mistake is arranging the insurance too late. Ideally, you should take out the insurance right when booking your trip, but at the very latest, a few days before departure. For some policies, particularly where travel cancellation insurance is included, strict deadlines apply (e.g., 30 days before the start of the trip or within 3 days of booking the trip). Another widespread mistake is inadequate checking of coverage areas. Ensure that your chosen destination is explicitly covered. Particular caution is advised when travelling to the USA/Canada, as medical treatment costs there are extremely high; for this, some insurers offer special rates or higher premiums may apply. Travelling to countries with official travel warnings from the Foreign Office may also be excluded. Providing false or incomplete health information (concealing pre-existing conditions) on application can lead to the contract being contested in the event of a claim. Always be honest and thorough. Choosing a sum insured that's too low is also risky. Ensure you have sufficiently high coverage, especially for medical treatments and repatriation (recommendation: at least 1 million euros or unlimited coverage). Ignoring exclusions is another pitfall. Read the policy conditions (AVB) carefully and understand which benefits are not covered (e.g., treatments due to alcohol or drug abuse, participation in certain extreme sports without additional coverage, cosmetic procedures). Choosing the wrong travel duration, e.g., a single policy for a trip that lasts longer than the maximum insured period, is also problematic. Compare not only the price but especially the benefits and conditions. The cheapest policy is not always the best. At nextsure, we value transparent conditions and comprehensive advice to help you avoid these mistakes and find the right protection for you.
