Travel and leisure protection at Tomorrow
With Change & Plus, you're covered while traveling and in your everyday life—no extra contract needed, right through your Tomorrow account.
International Travel Health Insurance
You get sick or injured abroad? Treatment costs – for you and your family – are covered. What's covered?
✓ Doctor visits & hospital stays ✓ Medication & medical supplies ✓ Emergency dentist (pain treatment) ✓ Medical repatriation ✓ Transfer & burial abroad ✓ Hospital visit from 10 days inpatient Important details:
Valid for trips up to 62 days
No excess
No card use required
Up to 6 people covered (family)
Children up to 27 years in initial training included
Not covered: Planned treatments, cures, dental prosthetics, psychoanalysis, IVF.
Included in: Change & Plus
Emergency Insurance
24/7 emergency hotline worldwide: help with accidents, illness, document loss or legal problems abroad. What's covered?
✓ 24h emergency hotline worldwide ✓ Hospital cost coverage up to €15,000 (as a loan) ✓ Search, rescue & recovery costs up to €5,000 ✓ Legal fees up to €3,000 (as a loan) ✓ Criminal bail up to €13,000 (as a loan) ✓ Assistance with document loss ✓ Loan for loss of means of payment up to €1,500 Important details:
Valid worldwide, without card use
No excess
For account holders & family (up to 6 people)
Emergency number: +49 30 346 465 465
Included in: Change & Plus
Ticket Protection Insurance
Concert, festival, football match – if you can't make it at short notice, you get your money back. What's covered?
✓ Reimbursement of the ticket price ✓ In case of own illness or sick child ✓ In case of hospitalisation (up to 72 hours before) ✓ In case of death in the family ✓ In case of vehicle accident or theft (up to 72 hours before) ✓ In case of cancellation without replacement date Important details:
Ticket must be paid 100% with Tomorrow
Up to €500 per event
Max. 2 claims per year
Excess: 20%, min. €10 per ticket
Included in: Change & Plus
Trip Cancellation and Trip Interruption Insurance
You need to cancel a trip or return early? You get the cancellation costs and additional return travel costs reimbursed. What's covered?
✓ Cancellation costs if you don't travel ✓ Additional costs for delayed departure ✓ Additional return travel costs if you cut the trip short ✓ Pro-rata reimbursement of unused travel days Covered reasons:
Serious illness, accident, death
Pregnancy, vaccine intolerance
Job loss or change of employer
Significant property damage
Important details
At least 50% of travel costs paid with Tomorrow
Coverage amount: up to €5,000 per trip
Excess: 10%, min. €100.
Included in: Plus
Flight and Baggage Delay Insurance
Flight delayed, luggage missing? Your additional costs for food, accommodation and replacement purchases are covered. What's covered?
✓ Departure delay of more than 4 hours ✓ Flight cancellation & missed connection ✓ Baggage delay of more than 1 hour at destination ✓ Food & drink, hotel stay ✓ Emergency purchase of clothing & hygiene products Important details
Up to €40 per hour, max. €500 per case
No excess
Flight ticket must be paid with Tomorrow
Does not apply on the return journey (luggage)
Included in: Plus
Travel Baggage Insurance
Your luggage is stolen, damaged or destroyed? You get the current value reimbursed – including electronics and sports equipment. What's covered?
✓ Theft, robbery, burglary ✓ Destruction by accident, fire, flood ✓ Personal travel items up to €1,500 ✓ Electronics & valuables up to €1,000 ✓ Phone, smartphone, tablet up to €500 ✓ Sports & camping equipment up to €500 Important details
Entire trip must be paid 100% with Tomorrow
No excess
Immediate police report required
Not covered: Cash, documents, ID cards, forgotten items, theft from a car between 10 pm–6 am.
Included in: Plus
Mobile Phone Theft Protection
Your smartphone gets stolen? Up to €500 is reimbursed – even up to 3 years after purchase. What's covered?
✓ Theft from personal possession ✓ Robbery & armed assault ✓ Burglary from premises ✓ Reimbursement up to €500 (depending on device age) Important details
Device must have been purchased as new from an official retailer in Germany
Device may be a maximum of 3 years old
Max. 1 claim per year
No excess
Up to 12 months: 100% | 13–24 months: 75% | 25–36 months: 50%
Not covered: Damage, destruction, gross negligence, devices not purchased through the Plus account.
Included in: Plus
Who is also covered?
All insurances apply to you and your family – up to 6 people per trip in total.
When travelling together: Your partner, children, parents, siblings, grandparents, parents-in-law and other close family members.
When you are not travelling: Your partner (same household) and minor children up to 18. Adult children are covered up to the age of 27, as long as they are in their initial training.
Requirement: Permanent residence in Germany, the EU, Norway, Iceland or Liechtenstein.
Full Insurance Terms and Conditions
Insurance services are provided by HanseMerkur. All details on benefits, exclusions and claims can be found in the official General Insurance Terms and Conditions (T&Cs) of HanseMerkur.