What is school trip insurance?
School trip insurance is a special type of insurance that covers accidents, injuries, or illnesses that may occur during school trips or educational activities outside the school setting.
Its purpose is to provide medical and financial support in emergencies.
What are the main coverages?
Medical coverage and treatment costs for accidents or sudden illness.
Compensation for permanent disability or death resulting from an accident during the trip.
Emergency medical transport or evacuation costs.
In some plans: coverage for lost or delayed luggage.
Who can purchase it?
Students participating in school trips within Germany or abroad.
Parents/guardians or schools that want to insure students during activities.
How are premiums calculated?
Premiums depend on the trip duration, number of students, and the chosen level of coverage.
They are usually relatively low compared to other insurance types because the coverage is temporary.
Typical conditions
The insurance must be purchased sufficiently before the trip starts.
Students must follow safety instructions from the school and organizers.
Medical reports must be provided if an incident occurs.
Tips for choosing the right insurance
Confirm that all planned activities and destinations are covered.
Compare offers by price and coverage details.
Ensure 24/7 emergency assistance is included.
Ask the school administration or an insurance advisor for guidance.
What to do if an accident happens during the trip
Inform the trip supervisors and the insurer immediately.
Submit medical reports and required invoices.
Cooperate with the responsible authorities to ensure fast assistance.
Conclusion
School trip insurance (Schülerreise-Versicherung) in Germany is an important policy that provides medical and financial protection for children during educational experiences outside the classroom. Understanding the terms and selecting the right coverage gives peace of mind to both students and parents.
— The website’s authors and editors strive to provide accurate information through extensive research and consulting multiple sources. However, mistakes may occur or some details may be unconfirmed. Please treat the content as an initial reference and always consult the relevant official authorities for verified information.
