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

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

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Table of contents

  • 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 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.
Take out the insurance:
  • Purchase the CareMed Insurance through JoHo by using the links here on WorldSupporter.org.
     

Apply or get a quote

 

Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation?
Why should you take out insurance with the JoHo Foundation?

  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

What can you expect from JoHo when take out insurance with the JoHo Foundation?

  • JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with the other products and services, JoHo believes that you should be able to choose between the best, the most cost effective and the most specialized insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy with JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer

  • JoHo also provides information about insurance policies that you do not take out with JoHo, but through JoHo. In this case, JoHo does not act as an intermediary. Only basic information is provided about these insurance policies. Personal advice or assistance with problems between the insured and the insurer is not possible in this case. If this type of insurance is involved, this will be explicitly stated.

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Questions and answers: what does CareMed say?

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How much does the CareMed cost?

Travel Health Insurance

premiums age category (per day)1 - 3940 - 64
Travel health with € 100 deductible€ 0,95€ 1,40
Travel health with € 0 deductible€ 1,30€ 1,85
Accident Indemnity and third party liability€ 0,22€ 0,22
Return Trip Emergency Insurance AND Luggage€ 0,39€ 0,39

Travel cancellation insurance

  • Cover for trip cancelation (TC) can be requested seperately.
  • The TC insurance covers cancellation costs that occur if you are not able to travel abroad unexpectedly.
  • Covered events are, for example, acute illness of the insured person or one of the relatives, an accident or pregnancy. Insurance shall be taken out directly after booking the trip, but no later than 30 days prior to departure.
  • The premium is calculated by taking 2,9% of the travel sum, with a minimum of € 12,00.
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Does travel insurance by CareMed offer the right insurance coverage for your stay abroad?

  • CareMed work and travel insurance is especially adapted to the needs of young travelers and those young at heart.
  • This travel insurance is the right choice for people with plans to go abroad for multiple weeks months or years.
  • Besides recreational travel, there is coverage for activities such as internships or volunteer programs, as well as during working holidays and study travel.
  • This insurance can cover you worldwide, regardless of your home country.
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Is there a maximum period for CareMed policies?

  • The maximum insurance period for work and travel insurance is 24 respectively 13 months depending on destination and age of the traveler. Detailed information is shown during the online application.
  • Travel insurance should start the first day of traveling and should be active for the complete stay abroad.
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Will CareMed travel insurance be accepted when applying for your visa?

  • Yes, your travel insurance by CareMed will be accepted for your visa application worldwide.
  • This is applicable for all working holiday visa (for example working holiday Australia, New Zealand and Canada), F1, F2, H2B, J-1, J2 and M1 visa for entry into the USA and Schengen Visa for Europe.
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For which period should you take out the insurance if your travel dates are not clear yet?

  • Insurance coverage has to be taken out for the entire stay abroad.
  • Sometimes it is best to keep plans open en flexible. For the insurance, you do have to make a choice though.
  • If you do not know the enddate of your travels yet it is best to enroll for the maximum travel period. The maximum insurance period is either 13 or 24 months depending on insurance type.
  • Of course, reimbursment of the remaining months is possible if you return home earlier. 
  • Please keep in mind that renewal of insurance coverage cannot be guaranteed.
  • Change or renew: goes direct via Caremed 
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You have to cancel your plans. Is it possible to receive reimbursement for insurance premium already paid?

  • Prior to start of insurance cancelation is free of charge. You can send your request through your login area or by sending your cancellation request by e-mail.
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Your stay abroad has been extended. How can you prolong your travel insurance with CareMed?

  • In case that your travel plans change unexpectedly during your stay abroad, you have the option to request a renewal subject to the terms of insurance available at that time.
  • You can do this by logging in in your personal CareMed account.
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Are there age limitations for taking out CareMed insurance?

  • Everybody older than 3 months and who has not yet reached the age of 70 can contract travel insurance with CareMed.
  • For ages 0-39 different premiums and policy conditions apply than for the age category 40-69.
  • For destination USA and Canada there is a minimum age of 6 years
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Will CareMed insure you while being at work?

  • Yes, this insurance is made precisely for those people who wish to travel and be active in temporary jobs and volunteer work along the way.
  • There is always coverage for activities within the framework of a J-1, J-2 and H2B visa for entry into the U.S. or a Working Holiday Visa for entry into Australia or New Zealand.
  • Do take into consideration that this insurance is not meant for people who go abroad for a permanent residence and career abroad but purely for temporary jobs and recreational activities.
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Which is the maximum period for CareMed policies?

  • The maximum coverage is either 13 or 24 months, depending on the policy conditions.
  • Please use the quote calculator to get detailed information about the policy suitable for your trip.
  • After this period, you have the option to extend your insurance period subject to the terms of insurance available at that time
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What payment methods can you choose from?

  • The full amount for travel insurance can be paid by credit card or you can pay by direct debit from a German account
  • Payment occur either monthly or as one lump sum.
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When do you get your travel insurance confirmation from CareMed?

  • You receive your insurance confirmation for download and print immediately after submission of your online application and payment.
  • On request, all documents will also be sent by e-mail.
  • If you created a login during your application process you will also have access to all insurance documents and useful information in your login area any time.
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Where can you find the conditions and IPIDS?

Conditions
  • Conditions in English 
  • The conditions are not always easy to find, contact Caremed for the latest conditions
 IPIDS
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Where and how can you file a claim if you are insured with CareMed?

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What is the level of service for the CareMed International Insurance?

  • Unfortunately, JoHo Insurance cannot act as your insurance broker with regard to this specific insurance and this specific insurer!
  • However, our colleagues at JoHo Insurance will be happy to answer any questions you may have about general personal insurance situations abroad. Fill out the contact form here
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What to take in account?

  • The above information may be subject to change due to external regulations or changing conditions imposed by the insurer.
  • Always check the latest conditions on the website where you can take out the insurance.
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CareMed International Insurance: faq about the travel cancellation insurance

CareMed International Insurance: faq about the travel cancellation insurance

  • 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)
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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.
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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
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What will be replaced?

  • In case of non-commencement of the journey, we replace you among other things the contractually owed travel cancellation costs.
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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.
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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
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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.
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Where am I insured?

  • The insurance cover is valid for travel within the area covered by the policy.
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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.
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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.
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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.
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How do you cancel the contract?

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

  • HanseMerkur Reiseversicherung (Caremed)
  • AG Germany HRB Hamburg 19768

 

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Apply 

  • Purchase the Caremed Insurance through JoHo by using the links here on WorldSupporter.
     

Apply or get a quote

CareMed

CareMed

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CareMed is a German insurance provider for international insurance, focussing on the field of international youth exchange since 1989

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