Travel health insurance: the most important
Your statutory health insurance only pays to a limited extent abroad: in the EU and some other countries the European Health Insurance Card applies, but only for local public healthcare. Private doctors, co-payments and medically necessary repatriation are not covered – elsewhere it usually pays nothing at all.
An annual travel health policy is often inexpensive and covers all trips in the year. Check repatriation, the maximum length per trip and whether your family is included.
Cancellation and curtailment
Worth it for expensive trips booked early: cancellation cover pays the cancellation costs if, for example, you fall ill and can't travel. Curtailment cover pays extra costs if you have to end a trip early. Take it out soon after booking – there are often deadlines.
Baggage insurance: usually unnecessary
Baggage policies often have many exclusions and an excess. If the airline loses or damages your bag, the airline is liable – report it at the airport straight away.
What your credit card may cover
- Many premium cards include travel insurance – health abroad, cancellation, rental car or delay cover.
- Check the condition: cover usually only applies if you paid for the trip with the card. There are often excesses and limits.
- Who is covered? Partners and children aren't covered by every card.
In the arrival briefing Voynera shows the emergency number for your destination. Card benefits such as lounges, credits and status are under Benefits – check insurance terms directly with your card issuer.
As of November 2026 · without guarantee