CareMed International Insurance: faq about the travel cancellation insurance

What type of insurance is it?
What is insured?
What will be replaced?
What is the sum insured?
What is not insured?
Are there limitations to the coverage?
Where am I insured?
What obligations do I have?
When and how do I pay?
When does cover start and when does it end?
How do you cancel the contract?
General Data Caremed

This information sheet about the Caremed trip cancellation gives you a brief overview of your insurance cover. This information is not exhaustive. Details on your insurance contract can be found in the insurance terms and conditions, and policy we provide you with. To make sure that you are fully informed, please read through all documents
Original document & latest update (pdf)

What type of insurance is it?

Caremed is offering you a travel cancellation insurance. With this they make sure that the financial damage due to non-taking part for example the owed cancellation costs of the journey, will be replaced.

What is insured?

You can not or not as scheduled commence your journey because of the following event.
Death, severe accidental injury
Unexpected severe illness, Intolerance to a vaccine, pregnancy
Damage to your property as a result of fire, elementary event or intent criminal of a third party
Loss of job as a result of an unexpected redundancy by the employer
Commencement of a job if the person was unemployed when booking the journey

What will be replaced?

In case of non-commencement of the journey, we replace you among other things the contractually owed travel cancellation costs.

What is the sum insured?

We agree the sums insured with you on an individual basis. It must correspond to the agreed travel package price including the costs of booking.

What is not insured?

There is no Insurance coverage for Illness that occurs in certain circumstances as a psychological reaction to a terrorist attack, war events, flight and bus accidents, diseases or epidemics, or due to fear of a civil unrest
We do not provide cover, if you attempt to make fraudulent representations to us as to the circumstances which are material to the grounds for providing cover and the amount of insurance benefits

Are there limitations to the coverage?

You have to bear a part of the cost of the damage yourself, if your tariff does provide any deductible!
We will reimburse costs of changing bookings and single room supplements up to the amount of cancellation costs that would have been incurred if the trip were cancelled.

Where am I insured?

The insurance cover is valid for travel within the area covered by the policy.

What obligations do I have?

If an insured event occurs, there are some obligations you need to fulfill. Amongst other things, you have to cancel the journey at the same time as well as provide us with pertinent information and if necessary, present medical certificates. All information about the claim that you provide must be truthful and complete.

When and how do I pay?

The premium is payable immediately upon conclusion of the contract. You pay via the payment method you selected when you concluded the insurance contract. Whether and how you pay further premiums is detailed in the insurance policy.

When does cover start and when does it end?

The insurance cover starts at the earliest with the conclusion of the contract and ends as soon as you enter the booked and insured means of transport or objects.

How do you cancel the contract?

The cancellation insurance ends with the beginning of the journey.
There is no special right to cancellation

General Data Caremed

HanseMerkur Reiseversicherung (Caremed)
AG Germany HRB Hamburg 19768

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Public

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CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

Brief description of the CareMed International Insurance
Why take out the CareMed International Insurance via the JoHo Foundation
Coverage and documents of the CareMed International Insurance
Applying for the CareMed International Insurance

CareMed International Insurance: characteristics

Core

CareMed insurance is an international insurance policy for interns, students, volunteers, and working holidaymakers.

Costs

In terms of cost, the insurance is slightly below average for working holiday insurance policies.

Type of insurance

A temporary travel insurance policy.
A specific international travel insurance policy focused on work and travel activities abroad.
An insurance policy that prioritizes insurance over slick websites.
A good option for those who cannot take out suitable insurance in their own country or are looking for specific coverage.

Type of insurer

Insurance provider: the insurance is offered by CareMed GmbH, based in Bonn, Germany, which specializes in international insurance products for exchange programs and studying abroad.
Insurance companies: Chubb and Arch Insurance Company, from the United States, among others, act as the underlying insurance companies.
Insurance service providers: AXA assistance, among others.

CareMed International Insurance: duration limits of coverage

Duration minimum:

The insurance must be taken out for the entire stay abroad.

Duration maximum:

The maximum duration is 13 or 24 months.
After this period, you can extend the insurance period under the insurance conditions applicable at that time.

Renewal

if you choose to extend your stay abroad it is possible to apply for an extension of the policy by logging in on your personal account
please note that an extension of the insurance cannot be guaranteed.

CareMed International Insurance: location and area limits of coverage

Countries and territories

There is worldwide coverage outside your home country. Coverage does not include your home country.
Insurance needs to be taken out prior to departure from your home country (until 31 days after departure the latest) and for the entire stay abroad

Visa acceptance

Caremed itself says: ‘CareMed travel insurance is accepted worldwide for your visa application. This applies to all working holiday visas (e.g., working holidays in Australia, New Zealand, and Canada), F1, F2, H2B, J-1, J2, and M1 visas for entry into the US, and Schengen visas for Europe.’
JoHo advises: Visa requirements may vary depending on the country, state or institution you are visiting, so it is wise to carefully check and verify this statement for your specific situation.

CareMed International Insurance: nationality and age limits of coverage

Nationalities

Anyone can take out CareMed Travel Insurance online, regardless of nationality.

Minimum age

Anyone older than 3 months can take out travel insurance with CareMed.
For destinations in the US and Canada, the minimum age is 6 years.

Maximum age

The maximum age is 69 years.
For destinations in the US and Canada, the maximum age is 65 years.

CareMed International Insurance: parts of the coverage

Coverage of activities

Adventurous activities are included. Choose the additional option for "Risky sports" if you will attend a sports college or have other activities on your itinerary with extra risks.
Coverage for au pair work, travel, sports, study, volunteer work, internships, and working holidays abroad, with limited risk.
Coverage for work: insurance is specifically intended for people who want to travel and be active in temporary jobs and volunteer work while on the road.
No coverage for permanent stay: please note that this insurance is not intended for people who are going abroad for permanent residence and a career abroad.

Medical expense coverage

Optional coverage for medical emergencies abroad with or without a deductible.
Pre-existing conditions are not included in the coverage.

Personal accident coverage

Optional coverage.

Personal liability coverage

Optional coverage.

SOS and repatriation coverage

Coverage for medical evacuation, transport of a family member in case of emergency, search, rescue and recovery, repatriation of remains, assistance in case of loss of money and valuables.

Coverage for travel luggage

Optional coverage.

Travel cancellation

Optional cancellation coverage.

CareMed International Insurance: price and costs

Payment

The full amount for travel insurance can be paid by credit card or by direct debit from a German account.
Payment is made monthly or in a single installment.

Price level

Premiums and rates vary depending on the age of the insured person(s) and whether the US and Canada are included in your travel plans.
Different premiums and policy conditions apply to the 0-39 age group than to the 40-69 age group.
Refunds for the remaining months are possible under certain conditions if you return home early.

Price quote

Available via the CareMed website.

Referral fee

CareMed donates a small amount to JoHo WorldSupporter if the insurance is taken out through JoHo.
All income from this insurance is used for the WorldSupporter and Smokey Slum projects

CareMed International Insurance: support and application

Preparation:

Advice: check and read the description of coverage carefully during the process of application, or getting a quote, so that you know what is covered and what not in detail
Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.

Service level of JoHo:

The CareMed International Insurance is only offered without direct mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your official insurance broker with regard to this specific insurance, or in the event of problems with this insurer.
However, JoHo Insurances remains available to advise you on your general insurance situation.