Reiserücktrittversicherungen

Eine Reiserücktrittsversicherung schützt vor den finanziellen Folgen, wenn man eine versicherte Reise nicht antreten kann.
Kann der Versicherte seine Reise (aus vorher nicht absehbaren Gründen) nicht antreten, so übernimmt die Versicherung die Stornokosten der Reise, bzw. den Gesamtpreis der Reise, falls diese nicht stornierbar ist.

Die Reiserücktrittversicherung übernimmt die Kosten, z.B. wenn

  • ein Angehöriger, oder mitreisender stirbt
  • man unerwartet schwer erkrankt
  • bei unerwarteter Impfunverträglichkeit
  • Schwangerschaft
  • unerwarteter Betrieblicher Kündigung des Arbeitsplatzes
  • schwerer Unfallverletzung

Pro:

  • die Versicherung bezahlt anfallende Kosten, wenn vorher absehbar, eine Reise nicht angetreten werden kann

Kontra:

  • jede Reise und reisender muss für sich selbst versichert werden
  • oft muss eine Selbstebeteiligung bezahlt werden
  • die Versicherungssummen sind meist begrenzt (in der Regel 5000 €)
  • bei manchen Versicherungen gibt ein höchsteintrittsalter für Reiserücktrittversicherungen
  • gegen manche Risiken kann man sich nicht versichern (z.B. Streik, Bürgerkrieg, Naturkastastrophe)
  • viele Versicherer haben ein höchsteintrittsalter bei Vertragsabschluß

Fazit:
Eine Reiserücktrittversicherung versichert nur bis zum Antritt der Reise. Jedoch gibt es auch spezielle Reiseabbruchversicherungen, die während der Reise versichern und kombinierter Versicherungen bei denen beides abgedeckt ist.

Tipp:
Ob eine Reiserücktrittsversicherung, Reiseabbruchversicherung oder einen für das Ausland unerlässlichen Auslandskrankenschutz erhalten Sie auf www.secure-travel.de

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