Reiseabbruchversicherung

Muss man eine Urlaubsreise vorzeitig abbrechen, so werden Kosten hierfür erstattet sofern eine Reiseabbruchversicherung abgschlossen wurde. Die Höhe der Rückzahlung hängt hierbei vom jeweiligen Versicherer ab. Vorraussetzung ist, dass der Abbruch der Reise im Vorfeld nicht absehbar war und die Beendigung der Reise für den Versicherten unzumutbar ist. In der Regel kann man in folgenden Fällen von seiner Reiseabbruchversicherung gebrauch machen:

  • Außerplanmäßiger Beendigung der Reise
  • Nicht erhaltene Reiseleistungen
  • Unverschuldeter verlängerter Aufenthalt
  • Unterbrechung einer Rundreise

Gründe für einen unverschuldeten Abbruch sind meistens:

  • Schwerer Unfall
  • Todesfall
  • Erkrankkung
  • Schäden an Eigentum durch Elementarereignisse
  • Aufnahme einer beruflichen Tätigkeit (Wenn man beim Abschluß der Versicherung erwerbslos war)
  • Arbeitsplatzverlust

Pro Reiseabbruchversicherung:

  • Sicherheit: Muss eine Reise vorzeitig abgebrochen werden wird man finanziell entschädigt
  • Kosten: Reiseabbruchversicherungen kosten oft 2-5% der Reisepreises

Kontra Reiseabbruchversicherung::

  • Kosten: Eine Reiseabbruchversicherung kostet Geld. Zusätzlich wird häufig eine Selbstbeteiligung im Schadensfall vereinbart
  • Schiffsreisen sind von der Versicherung oft ausgenommen oder sind beim Abschluß teuerer

Tipp:
Eine Reiseabbruchversicherung kann für mehrere Personen gleichzeitig abgeschlossen werden. Die höhe der Kosten der Reiseabbruchversicherung richtet sich in erster Linie nach dem Preis der Reise. Die Versicherung muss in der Regel spätestens 15-30 Tage vor Antritt der Reise abgeschlossen werden.

Fazit:
Mit einer Reiserückabbruchversicherung ist man nur während einer Reise versichert. Jedoch gibt es auch spezielle Reiserücktrittversicherungen, die den Zeitraum bis zum Beginn der Reise abdecken.

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