ADAC Reisekrankenversicherung: Your Travel Protection Portal

Traveling brings new adventures, but unexpected health issues can arise. The ADAC offers comprehensive travel health insurance (Reisekrankenversicherung) designed to protect you from high medical costs when you are abroad. This insurance is crucial because standard health insurance often provides limited coverage outside your home country.

Whether you are planning a short vacation or a longer stay, ADAC provides tailored plans to ensure your medical needs are met. This includes everything from urgent doctor visits to complex hospital treatments and even medical repatriation. Our goal is to give you peace of mind so you can focus on enjoying your travels.

Preparing for Your ADAC Travel Coverage

• For short-term policies, coverage applies for the first 63 days of each trip within a one-year contract.
• For long-term policies, the insurance is designed for stays between 2 to 24 months, suitable for things like Work&Travel, Au-Pair programs, or study abroad semesters.
• Premiums are influenced by your age, particularly for individuals aged 66 and above, and again at 76 years.
• While not mandatory, ADAC membership can provide discounts on your insurance premium.
• You can choose between an individual contract or a family contract, which includes children up to 23 years old.
• For Incoming Insurance for foreign guests, it must be purchased before entering the Schengen area or, if purchased after entry, within one month at an ADAC office. A 7-day waiting period for illnesses applies in the latter case.

Accessing Your ADAC Insurance Details & Filing Claims

1. To view your personal ADAC membership details and information about your ADAC insurances, you can visit the Mein ADAC section on the official website.
2. If you need to manage policy-related aspects or submit a claim, the ADAC provides a digital claim submission feature. This usually involves navigating to the relevant insurance product page and selecting the Schaden melden (report a claim) option.
3. For specific online services, you might be prompted to log in using your credentials. If you have forgotten your password for any ADAC online account, a password reset function is typically available. Look for a 'forgot password' link near the login form and follow the prompts to reset it using your registered email address.
4. Ensure you have your membership number and policy details ready, as these are often required for verification during online interactions or claim submissions.

What ADAC Travel Health Insurance Offers You

• Enjoy worldwide coverage for medical emergencies, excluding Germany and your country of residence.
• Benefit from coverage for medically necessary outpatient, inpatient, and dental treatments.
• Receive medical repatriation services organized by the dedicated ADAC Ambulanz Dienst, utilizing their own medical team and aircraft fleet.
• Access a 24/7 emergency hotline for urgent medical assistance, ensuring support whenever you need it.
• Choose from three tariff options: Basis, Exklusiv, and Premium, to match your specific protection needs.
• The standard short-term policies generally come with no deductible, minimizing your out-of-pocket expenses.
• Be assured of COVID-19 coverage for medical treatments during your travels.
• Experience treatment as a private patient in hospitals abroad.
• Get costs covered for search, rescue, and recovery operations up to a predefined limit.
• Receive assistance for accompanying persons, children, and pets if the insured person becomes incapacitated during the trip.
• In tragic circumstances, ADAC also assists with the repatriation of deceased individuals.

When You Need Assistance with Your ADAC Coverage

Keeping Your ADAC Insurance Information Secure

• 🔒 Always protect your ADAC membership number and policy details, as these contain sensitive information. Treat them like you would your banking information.
• 🔒 When interacting with any ADAC online service, ensure you are on the official ADAC website (adac.de) to prevent phishing attempts.
• 🔒 Use strong, unique passwords for any online accounts linked to your insurance and consider enabling two-factor authentication if available.
• 🔒 Keep emergency contact numbers, such as the ADAC Ambulance Service (+49 89 76 76 76), readily accessible, preferably in both digital and physical forms when traveling.
• 🔒 Be cautious about suspicious emails or messages claiming to be from ADAC. Do not click on unknown links or provide personal data unless you have verified the sender.

Your Most Important Questions About ADAC Travel Health Insurance Answered