In Germany, school trips represent a fundamental proportion of school life – but as with all trips, they also bring risks with them. Comprehensive insurance coverage can protect against unexpected costs.
Reiser cancellation insurance
Accidents, illnesses or other unforeseen events can lead to the child can no longer take part in the trip. The money invested is usually lost. However, travel cancellation insurance can at least take over the cancellation costs.
However, before you complete such a policy, the conditions should be checked precisely. On the one hand, the question arises as to which reasons are actually covered – events such as postponed school exams or natural disasters are often not insured. On the other hand, it should be clarified whether a travel termination insurance is also included. This applies if the trip already started early. The travel price is also relevant: According to the comparison portal Verivox, travel resignation insurance is usually only worthwhile from a price of 1,000 euros.
health insurance
During school events – even during school trips – the child is protected by statutory accident insurance. This covered all activities that are in the organizational area of the school. The problem, however, is that private activities are not insured as part of the school trip, such as eating, drinking or staying in your own room. Injuries or illnesses outside the school framework are therefore taken over by the statutory or private health insurance. However, if the school trip takes place abroad, it is advisable to take out foreign health insurance.
Liability insurance
In the event of a damage caused by the child, the private liability insurance of the parents is effective, but the framework conditions should be checked before the start of the school trip. It depends on the damage actually covered by the policy.
Editor finance.net