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.

A lot can go wrong on a business trip – from a cancelled meeting to illness or delays.
Business travel insurance helps reduce the risk of high cancellation, rebooking or medical costs.
Often, it combines international health and travel insurance (cancellation, interruption, baggage).
Coverage depends on the insurer and the plan – it's worth checking the details.

When you're on a business trip, it’s not realistic to act as if you’re still at your desk. There will be moments without reception or during security checks when you simply can’t respond. And don’t forget the very reason you're travelling: your actual appointments. It’s a good idea to make sure you're not overwhelmed while away. For example, arrange for a backup in your team beforehand. Setting up an out-of-office reply can also help – even if it's just to let people know you’re currently hard to reach and will get back to them later.

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.

It’s impossible to completely avoid the effects of jetlag, especially when crossing multiple time zones. Jetlag catches up with everyone who travels across time zones. However, there are things you can do to minimize its effects. One helpful tip is to gradually adjust your sleep schedule before your trip to match the time zone of your destination. If you’re traveling east, go to bed earlier to prepare, and if you’re traveling west, go to bed later. Once you arrive, staying hydrated, getting plenty of natural light, and taking short naps to fight fatigue will help you cope with jetlag.

To make sure you have everything you need on every business trip, you should create a packing or checklist. On this list, write down the things that must absolutely go in your suitcase. Essentials include hygiene products and makeup, a suit or dress with a steamer and appropriate footwear, a spare shirt or blouse, clothes for travel and leisure, your laptop and smartphone along with cables and a power bank, your wallet with money, credit card, and insurance documents, a small travel first aid kit, and if needed, vision aids. If you're traveling for several days, remember to pack sportswear and an interesting book. Depending on your destination and the length of your trip, other items might be important, such as vaccinations. Early preparation helps ensure that you don't forget anything.

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.

Absolutely! There’s always time for a few quick stretches – even at the airport, on the train, or during a rest stop. If your trip lasts more than a day, try to plan in some physical activity. Your hotel might even have a gym. A great way to combine business with pleasure is “sightjogging”: go for a run before or after your appointment and explore the town you're staying in – even if it’s just a quick look at a few local sights.

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.

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.

Traveling for work or business – aren’t they the same? Not quite. Generally, employees in the public sector go on work-related trips (Dienstreisen), while the term business trip (Geschäftsreise) is more commonly used in private companies or by self-employed individuals.

The KLEMMER Guarantee applies to our Incoming products – insurance solutions for people entering Germany from abroad. This guarantee includes day-accurate billing, outstanding benefits that go beyond standard coverage, and a quick online sign-up with immediate insurance confirmation via email.

The KLEMMER Promise applies to all insurance products we broker between insurance companies and policyholders. It stands for our commitment to carefully selecting and regularly updating third-party insurance offers to always provide our customers with the best possible options. Since our founding, we’ve worked exclusively with reputable and trusted insurance partners. As a German company, we guarantee the highest level of reliability, excellent service from our knowledgeable and dedicated team, and data protection that meets the strictest standards.

When booking online, you can pay your contributions as follows:

• SEPA Direct Debit: You authorize us to collect the contribution from your account, either as a one-time payment or in monthly installments.

• Credit Card: We charge your credit card for the full amount of the contract period in advance.

• PayPal: You pay using your email address and password.

For special insurance products (e.g., framework agreements), other payment methods may also be possible. Just get in touch with us if needed.