Travel Worry-Free: Your Shield of Protection
Discover how nextsure's travel cancellation insurance provides you with financial security before and during your trip. Protect yourself against unforeseen events and enjoy carefree holidays.
Simple online conclusion
Comprehensive Cancellation Protection
Flexible Tariff Options
What does travel cancellation insurance cover?
Cancellation costs in case of illness
Unexpected Unemployment
Serious Accident Injury
Damage to Property
When is it sensible to take out travel cancellation insurance?
Taking out travel cancellation insurance is especially sensible when travel costs are high, the trip has been booked well in advance, or certain risk factors are present. For expensive holidays, such as long-haul trips or cruises, cancellation fees in the event of a cancellation can be significant and quickly amount to several thousand euros. The earlier a trip is booked, the longer the period in which unforeseen events can occur. Families with children also benefit greatly, as illnesses among children are more frequent and often affect the whole family. Travel cancellation insurance from nextsure can also be advisable for older travellers or people with pre-existing conditions to minimize financial risks. Even for cheaper trips, the cover can be worthwhile if the personal budget cannot cope with unexpected additional costs. nextsure helps you weigh the risk and find the right, digitally signable protection.
Our Services
Your all-round protection for every journey
Cancellation Protection
Covering cancellation costs before the start of the trip.
Illness
Protection in case of unexpected serious illness.
Accident
Protection against serious injuries from accidents before starting your journey.
Job loss
Coverage in case of redundancy or short-time work.
Family Plan
Affordable rates for families and fellow travelers.
Valid worldwide
Your insurance coverage applies to travel worldwide.
Without self-service
Optional rates without excess in the event of a claim are selectable.
Trip cancellation
Additional protection available in case of early trip termination.
Quick online
Quick and easy completion of your insurance digitally.
Tailored solutions by nextsure
Ready for
Stress-free travel?
The main insured reasons for trip cancellation in detail
Nextsure's travel cancellation insurance covers a wide range of unforeseen events. The main insured reasons include: **1. Unexpected serious illness:** This applies not only to the insured themselves but often also to close relatives (risk persons). A medical certificate is required for this. **2. Serious accident:** Similar to illness, an accident must be so severe that the trip cannot be undertaken. **3. Death:** The death of the insured or a risk person. **4. Termination for operational reasons:** If you are unexpectedly and through no fault of your own made redundant. **5. Commencement of new employment:** If you start a new job from unemployment, making the trip impossible. **6. Significant damage to property:** e.g., due to fire, water damage, or burglary, that necessitates your presence at home. **7. Pregnancy:** If pregnancy is discovered only after booking the trip or unexpected complications arise. **8. Vaccine intolerance:** In the event of a severe reaction to a vaccination necessary for the trip. The exact definitions and exclusions should be referred to in the insurance conditions of nextsure to avoid misunderstandings.
Trip Cancellation vs. Trip Interruption: Explained
Although often used synonymously, cancellation and interruption of travel refer to two different scenarios, which are also treated differently in terms of insurance. The **travel cancellation insurance** applies if you have to cancel your trip *before* the scheduled departure. It covers the incurred cancellation costs. The **travel interruption cover**, often available as a separate insurance or as a combined package with travel cancellation insurance, comes into effect if you need to end a trip that has already started *after* departure early. It then reimburses, for example, the costs for unused travel services or additional return travel costs. Reasons for interrupting a trip can be similar to those for cancellation, such as a serious illness during the trip or an emergency at home. nextsure offers flexible solutions, allowing you to decide whether to cover just the cancellation, just the interruption, or both, to ensure optimal protection according to your travel plans.
Excess in travel cancellation insurance: What does it mean?
The deductible, also known as excess, is an amount that you must bear yourself in the event of a claim, even if the loss is generally covered by the travel cancellation insurance. The insurance then covers the costs that exceed this deductible. Many insurers, including nextsure, offer policies both with and without deductibles. Policies without a deductible are usually a bit more expensive in premiums but offer full coverage (up to the insured amount) in the event of a claim. Policies with a deductible have a lower premium but mean that you will have to pay, for example, 20% of the cancellation costs or a fixed amount (e.g., 100 euros) per person yourself. The decision for or against a deductible depends on your personal risk appetite and budget. nextsure clearly shows you the differences so that you can make an informed choice.
Optimal protection: Travel cancellation insurance with or without travel interruption insurance?
The optimal protection for your trip depends on your individual needs and the nature of your journey. A straightforward trip cancellation insurance covers you against financial consequences if you need to cancel the trip before departure. This is often the basic component. On the other hand, trip interruption insurance comes into play if you need to unexpectedly cut short a trip that has already started. For example, it covers the costs of unused travel services or additional expenses for an early return. For comprehensive protection, nextsure frequently recommends a combination of both insurances. This is particularly advisable for expensive or longer trips, where the risk of non-departure or premature return can result in financial burdens. Many of our digital policies offer this combination flexibly, often at a more attractive price than two separate policies. Consider which risks you wish to cover in order to travel worry-free.
Luggage
Protection for your luggage
Foreign health insurance
Medical care worldwide
Sports equipment
Insurance for Your Equipment
Mind the deadlines: When must travel cancellation insurance be taken out?
The deadlines for taking out travel cancellation insurance are a critical factor in ensuring full coverage. The general rule is: the earlier, the better. Typically, the insurance must be taken out either directly when booking the trip or at the latest within a deadline set by the insurer after booking. This period is often 14 to 30 days. At nextsure, the specific deadline is displayed transparently in the online process. For last-minute bookings, where fewer than 30 days remain between booking and departure, shortened deadlines often apply. In such cases, it may only be possible to take out insurance on the day of booking or up to a few days before departure. It is not possible to take out insurance retroactively if a claim event is already foreseeable. Therefore, ensure you adhere to the deadlines to be covered in case of any issues.
How to correctly report a claim on your trip cancellation insurance
In the event of cancelling a trip, it is crucial to report the loss correctly and promptly to ensure a smooth process with your travel cancellation insurance. Inform nextsure immediately as soon as the reason for cancellation occurs, and you need to cancel the trip. Most insurers provide online forms or a telephone hotline for this purpose. Additionally, promptly cancel your trip with the organiser or airline to keep cancellation costs as low as possible (duty to mitigate damage). Collect all relevant documents: this includes the booking confirmation, the cancellation cost invoice, your insurance policy, and most importantly, evidence of the reason for cancellation (e.g., a detailed medical certificate with diagnosis and treatment dates in case of illness, a termination letter in case of unemployment, a death certificate). Submit all documents completely and truthfully. nextsure supports you in the process and informs you about the specific evidence required for your case.
Travel cancellation insurance for families: What should you be aware of?
For families, travel cancellation insurance is particularly important because the risk of a family member falling ill and the entire trip having to be cancelled is higher. nextsure offers special family rates which are often more cost-effective than several individual policies. When taking out a policy, ensure that all travelling family members (spouse, partner, children) are correctly listed on the insurance certificate and covered under the policy. It is also important to check the definition of "risk persons" – often close relatives who are not travelling (e.g. grandparents) are also covered, should their serious illness require a trip cancellation. Check whether the policy also covers complications related to pregnancy, if relevant. When travelling with young children, it's advisable to also consider any necessary travel accompaniment in the event of the child falling ill during the trip (within the framework of travel interruption insurance). nextsure is happy to advise you on the best protection options for your family.
Does the travel cancellation insurance also cover accompanying persons?
When comparing travel cancellation insurance, you should not only consider the price, but above all the benefits and conditions. Important criteria are: **1. Sum insured:** Does it cover the full cost of the trip? **2. Insured events:** Which events are specifically covered? Pay attention to details like unexpected serious illness, accident, death, unemployment, etc. **3. Excess:** Is there an excess and how high is it? Tariffs without excess are often preferable. **4. Scope of cover:** Does the insurance apply worldwide or only to certain regions? **5. Deadlines for conclusion:** Until when after booking the trip can the insurance be taken out? **6. Risk persons:** Who are considered co-insured risk persons (e.g., close relatives)? **7. Pandemic clause:** How are events related to pandemics regulated? nextsure values the transparent presentation of these criteria so that you can easily compare our digital tariffs and find the best travel cancellation insurance for your needs. Also make use of our online tariff calculator.
