Protection Add-ons

Extra protection
for your time abroad

Personal Liability, Baggage and Accidental Death & Dismemberment coverage — affordable and easy to book online.

Key facts at a glance
  • Comprehensive protection for everyday situations abroad
  • Perfect for life with host families, roommates or changing accommodation
  • Ideal for High School students, Au Pairs, Work & Travel participants and long-term travel
  • All plans can be booked independently and are not connected to a health insurance plan
Choose & book coverage
International participant sitting on a globe

Choose your protection

Pick what fits your time abroad. All details below — on this page.

Personal Liability

Personal Liability

For everyday “oops” moments while living abroad — with host families, roommates, or in daily life. Protects you if you accidentally cause damage or injury.

See coverage details
Baggage

Baggage

For your personal belongings while traveling, moving, or changing accommodations. Covers theft, damage, loss, and baggage delays while traveling.

See coverage details
Accident

Accidental Death & Dismemberment

Financial protection after a serious accident abroad. Provides a lump-sum benefit in case of accidental death or permanent loss of limb or function.

See coverage details

Personal Liability
Insurance


Accidents happen. This insurance protects you from high costs if you accidentally damage someone else’s property or cause injury while abroad.

Oops artwork

Your Coverage at a Glance

✓ Maximum coverage: €500,000 or €1,000,000 for personal injury and property damage
✓ Financial losses caused by property damage: covered up to €200,000
✓ Deductible: €150 per claim
Starting at
0.XX USD
per person / day

You’re covered for everyday situations like:

Damage to rented property (buildings & furniture)
Covered up to €50,000
Normal wear and tear is not covered
Lost keys covered up to €20,000
Private and work-related keys (e.g., Work & Travel)
Consequential damages (e.g., burglary after key loss) are not covered
Practical training & internships
Coverage while participating in program-related activities
Damage caused by animals
Except claims by the animal owner or keeper
Cycling races
Coverage in many everyday sports contexts
Travel outside the host country
Short trips and weekend travel while abroad
Sports activities
Including hunting if no mandatory insurance applies in that country
Use of boats
– Non-owned motorboats up to 75 HP
– Max. usage: 4 weeks
– Sailboats with auxiliary motor included

What’s not covered (examples)

Claims that go beyond statutory liability because of a contract
Professional or business activities (job/trade/official duties)
Motor vehicles, aircraft & most watercraft (owner/keeper/driver liability)
Races & combat sports (incl. training)
Claims between close relatives / people in the same household
Intentional acts or criminal acts

This overview shows selected coverage highlights. Full details and conditions are defined in the insurance policy and conditions.

Insurance Conditions (PDF) Book coverage
Insurance coverage provided by Dialog Versicherung AG - A Generali company

Baggage
Insurance

Your belongings are with you every day — on buses, trains, planes, in hotels, and in shared housing. This coverage helps if your baggage is stolen, damaged, lost, or delayed while traveling abroad.

Baggage travel

Your Coverage at a Glance

✓ Maximum coverage: €1,500 per insured trip
✓ Delayed baggage: replacement purchases reimbursed (up to €400)
✓ Deductible: €100 per claim
Starting at
0.XX USD
per person / day

You’re covered for everyday situations like:

Theft & burglary
If your belongings are stolen during your trip (e.g., hotel, transport, accommodation)
Damage to personal property
For example caused by fire, storm, water (rain/snow), lightning or accidents
Loss (within limits)
Coverage can apply for loss depending on the circumstances
Leaving items behind is not covered
Delayed baggage
If your baggage doesn’t arrive on the same day
Replacement purchases reimbursed up to €400
Gifts & souvenirs
Items bought during the trip are included
Limited reimbursement can apply (e.g., up to €400)
ID documents
Official fees for replacing passports and other identification documents
Baggage in vehicles (limited)
Theft from an unattended vehicle only under strict conditions
If conditions aren’t met, reimbursement may be limited (e.g., €250)
Valuables (special rules)
Jewelry, precious metals, cameras etc. are covered only with special safekeeping rules
May be limited (e.g., max. 50% of insured sum)

What’s not covered (examples)

Money, securities, tickets & documents of any kind
Mobile phones (excluded)
Laptops (only if explicitly insured; special limits may apply)
Wear & tear / natural defects

This overview shows selected coverage highlights. Full details, limitations and exclusions are defined in the insurance policy and conditions.

Insurance Conditions (PDF) Book coverage
Insurance coverage is provided by Generali

Accidental Death
& Dismemberment
Insurance

AD&D provides a fixed lump-sum benefit if an accident leads to death or a permanent loss of limb or bodily function. It’s designed as extra financial support after a serious accident while abroad.

Accident coverage

Your Coverage at a Glance

✓ Death benefit: EUR 5,000
✓ Dismemberment benefit: EUR 25,000
✓ Worldwide coverage: accidents are covered globally
Starting at
0.XX USD
per person / travel day

You’re covered for situations like:

Fatal accident
Lump-sum benefit if an accident results in death
Loss of limb or function
Benefit for permanent loss or permanent functional incapacity due to an accident
Severe accident with lasting impact
Extra financial support after a serious accident with permanent consequences
Sprains & torn muscles (exertion)
If increased exertion causes a sprain or tears muscles/tendons (as defined in the terms)

What’s not covered (examples)

Illness, strokes or seizures (unless caused by a covered accident)
Intentional acts or criminal acts
Accidents under the influence / consciousness disturbances
High-speed racing events

This overview shows selected coverage highlights. Full details, limitations and exclusions are defined in the insurance policy and conditions.

Insurance Conditions (PDF) Book coverage
Insurance coverage is provided by Generali
GOOD TO KNOW…

A few quick answers before you book

Short and helpful. These points cover the most common questions about Personal Liability, Baggage and AD&D coverage.

Friendly helper explaining the insurance options

Do I need all three coverages?

No. Each coverage can be booked independently — choose what matches your stay abroad and your comfort level.

Is this a replacement for health insurance?

No. These are optional add-ons that provide extra financial protection in specific situations. Your medical insurance remains separate.

When does coverage start?

Coverage starts on the date selected during booking. Your confirmation and policy documents are provided right after purchase.

What should I do if something happens?

Keep receipts and basic proof, such as a police report for theft or an airline confirmation for a baggage delay. Then follow the claim instructions provided in your policy documents.

Does it also cover weekends or short trips?

Yes — coverage generally applies while you are abroad, including short trips, subject to the policy terms and conditions.

Need help choosing the right option?

If you’re unsure what fits your situation, just reach out. We’re happy to help you choose the right coverage for your stay.

Contact us