Yes, you can end your contract early by providing a reason. A phone call is enough.
Of course, you can also send us a message using the contact form. If the contract ends as scheduled, no cancellation is necessary.

Yes, you can cancel the contract free of charge at any time before the insurance begins. Just use the contact form or give us a call during our business hours.

Yes, you can change your plan at any time before the contract starts. If your contract has already begun, you can simply apply online for the new plan. We’ll cancel your current contract and set up the new one for you.

Whether you need a visa depends on your nationality and how long you plan to stay. If you hold a passport from an EU country, Iceland, Liechtenstein, Norway, or Switzerland, you generally don't need a visa.

Citizens of Australia, the UK, Israel, Japan, Canada, New Zealand, South Korea, and the United States can enter without a visa and apply for a residence permit later if staying longer than 90 days.
For most other countries, a visa must be obtained from the German mission abroad before entering Germany.

An up-to-date list of visa requirements by country is available at www.auswaertiges-amt.de.

Whether you need travel insurance for your stay in Germany depends on your nationality.

If you come from a country that requires a visa to enter Germany, you must take out travel insurance before your trip – covering the entire duration of your stay. Without it, you won’t be granted a visa. This rule applies regardless of the purpose of your visit.

If you're from an EU country, your domestic insurance usually covers you in Germany. However, it might not include all risks – such as costly return transport. That’s why it’s often recommended to get an additional travel insurance package.

Yes, the contract ends automatically at the agreed end date. You don’t need to cancel it.

Send us a quick message through the contact form or call us during our business hours. We will send you the form to update your bank details.

You can extend your insurance via email, phone, or online.

Please make sure to submit your extension request before the agreed insurance end date to avoid any gaps in your coverage.

If something changes for you, such as your phone number, we should be informed. Feel free to use the contact form for your message. On weekdays, you can also reach us by phone. However, any changes to your bank details must be communicated to us in writing.

In a phone call or via email, we can discuss your individual needs and requirements and then establish the terms for a framework agreement.

If it turns out at the end of the year that adjustments are necessary, we can make changes for the next season.

You can easily take out KLEMMER insurance online. Simply choose the appropriate insurance product. For incoming products (for newcomers), you can calculate your individual contribution and take out the product directly on our website. You will then receive your insurance certificate immediately. For outgoing and other products, we will redirect you to the websites of our insurance partners, where you can also take out the product online.

If you choose to take out the insurance by mail or fax, we will need a few business days to process it. Once we have finished, we will send you the insurance certificate.

KLEMMER calculates on a daily basis. This means that if your contract ends early, any overpaid contributions will be refunded to you.

Planning group trips is a challenge, but with a little organizational skill, you can handle it. Here are three tips to help you out:

1. Be clear: Collect all suggestions regarding destinations, transportation, accommodation, activities, and travel dates, and let the group democratically decide when and what should happen, and what costs to expect. Even if you're planning the trip on your own, keep everyone informed. This way, everyone will have a clear picture of the plan, and you'll avoid long discussions and misunderstandings before and during the trip.

2. Save money: When booking for the group, you can often get group discounts. This applies to travel tickets, accommodations, and even travel insurance.

3. Stay flexible: Allow for some free time during the trip. This way, your fellow travelers can decide whether to take a break or explore on their own. Everyone needs some personal time during a trip.

Absolutely! Germany has so much to offer international visitors. From natural wonders like Lake Königssee in the Bavarian Alps to the chalk cliffs of Rügen island. Discover historic sites like Eltz Castle, Neuschwanstein Castle, and Ulm Minster – as well as charming medieval towns like Bamberg and Regensburg. Germany’s vibrant cities like Berlin, Hamburg, and Munich are full of culture, tradition, and culinary delights waiting to be explored.

Germany is one of the safest and most peaceful countries in the world. Within Europe, it's the fifth most visited country. The crime rate is low, and law enforcement is reliable and well connected internationally. In 2024, Germany ranked 20th out of 163 in the UNESCO Global Peace Index.

Still, it’s a good idea to take usual precautions during your visit: avoid dark and isolated areas, don’t carry large amounts of cash, and keep your phone with you at all times.

Yes, your online application is processed via a secure connection. Your data is used solely for the purpose of fulfilling the insurance contract. You can find more information on our data protection page.

Some plans offer premium refunds under certain conditions. Please check the product information for details.

Yes, absolutely! It’s strongly recommended that groups travelling abroad take out travel health insurance. There are many good reasons to do so. These insurances are designed specifically for international travel and cover typical risks – from medical treatment and necessary aids to search, rescue, and repatriation costs, up to the agreed coverage limit. Often, they also include liability and accident insurance, providing full protection for the whole group. That way, you don’t have to rely on each participant’s individual insurance. And the best part: group travel insurance is usually very affordable.

Group trips offer many advantages. The main benefit is the company around you. You always have people to talk to and share your experiences with. Additionally, you get to experience exciting places and situations together with others that you might not have considered before. You don’t have to worry about the trip planning, or maybe not at all. This saves a lot of effort. Last but not least, group trips are cheaper per person than individual travel. This is due to the discounts that hotels and museums, for example, offer, especially to larger groups.

The main advantage of KLEMMER insurance solutions is the precise daily billing. With us, you only pay for the days you want to be insured. Additionally, we only offer policies with no deductible. In the event of a claim, the insurance covers all costs. Furthermore, you benefit from an easy online application process. When you book insurance on our website, you will receive an email shortly afterward with the insurance confirmation and all other documents you need for consulates and authorities.

If your travel health insurance is mandatory for your Germany visa, it should have a minimum coverage of €30,000 and cover medical services, including the return transport to your home country. Additionally, it should be valid not only in Germany but also in all Schengen member states.

You will receive your insurance certificate, consumer information, treatment vouchers, and a guide from us. The insurance certificate proves which product you have purchased with us. It also serves as proof of insurance, for example, for authorities. The consumer information provides detailed information about the contract terms. You will need the treatment vouchers to present in doctor's offices. This way, the medical staff knows which services the insurance covers and how they can bill for them.

Additionally, you will receive an insurance card in the size of a bank card (EC card). The payment plan, showing when each contribution is due, will be sent to you separately.

If a direct debit is returned, for example due to cancellation, incorrect information, or insufficient account funds, your insurance coverage is at risk. This should definitely be avoided. First, we do not provide insurance benefits in case of payment arrears, and second, additional costs may be incurred for the extra effort.

A charter flight, unlike a scheduled flight, operates only when needed. It’s sometimes referred to as demand traffic or a flight on request. The charter airline transports passengers and goods only on occasion or for specific events, such as transporting holidaymakers to the Canary Islands on behalf of a tour operator. The financial risk does not lie with the airline, but with the tour operator as the client. Charter flights are typically part of package holidays, where the flight, accommodation, and transfers are included in the price.