TravelProtect

What TravelProtect does

TravelProtect GmbH is a privately held German Versicherungsvertreter (insurance broker) operating since the mid-2000s under §34d Abs.1 GewO as a registered Mehrfachagent (multi-agent). The company is headquartered in Würzburg (Alfred-Nobel-Straße 20) with its registered seat (Sitz der Gesellschaft) in Estenfeld, per the Würzburg commercial register (HRB 8715). Its primary underwriting partners are Hanse Merkur (core travel insurance products, including Reisekrankenversicherung) and die Bayerische (COVID/quarantine add-on and other niche covers); Allysca Assistance provides 24/7 medical emergency hotline services. There is no parent company, no institutional ownership, and no disclosed funding history — ownership is independent with management led by Pia Röhrle (Geschäftsleitung).

The product portfolio is modular and built around trip cancellation (Reiserücktrittsversicherung) and trip interruption (Reiseabbruchversicherung) as foundational coverage, layered with optional add-ons for travel health insurance (up to €2,000,000 coverage, including USA/Canada/Mexico under Weltweiter Krankenschutz), luggage (Reisegepäckversicherung), and a COVID/quarantine add-on offered at €10 / €25 tiers. Products are sold as either single-trip policies (from €19) or annual subscriptions (from €49/year; package tiers from €83), with Standard / Plus / Premium variants targeting individuals, couples, families (children covered to age 25), and groups of 8-100 persons (premium = 4.0% of trip price, minimum €15/person). Specialty offerings include Golf-Reiseschutz and a Premium tier covering 25+ cancellation reasons including pandemic disease. The technology stack described is web-based: an online Abschlussrechner (calculator and booking tool) for direct purchase with immediate policy issuance, a Schadenmeldung portal for digital claims submission, and a partner administration portal for B2B resellers.

The business model is commission-based insurance brokerage. TravelProtect does not underwrite risk itself; it earns broker commissions on each policy placed with Hanse Merkur, die Bayerische, and other carrier partners. Distribution is digital-first: customers purchase via travelprotect.de, with phone support Mon-Fri from Würzburg and 24/7 medical emergency routing through Allysca Assistance. A secondary B2B / travel-agency channel is supported via an Agenturlogin partner portal. Customer acquisition is driven primarily by SEO and a German-language Ratgeber content library rather than paid channels; the homepage prominently displays a 4.5/5 Google rating across 332 reviews as social proof. Revenue is split between one-time single-trip premiums and recurring annual subscriptions, with COVID-era add-ons providing incremental transactional revenue.

Name

TravelProtect

Legal name

TravelProtect GmbH

Website

https://travelprotect.de

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

TravelProtect GmbH is a privately held German travel insurance broker and multi-agent founded in Würzburg, distributing modular travel-protection products (cancellation, health, luggage, COVID) directly via its website and through travel-agency partners on behalf of underwriters including Hanse Merkur and die Bayerische.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Travel Insurance (Trip Cancellation/Interruption & Delay) (FSAJAJAA)

akta.pro secondary industries

Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Travel Medical Insurance (Individual) (FSAIAEAI), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Travel insurance broker
• Trip cancellation coverage
• Annual travel protection
• Group travel insurance
• Travel health insurance

Headquarters

HQ city

Würzburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Travel Insurance Premiums — Annual/Jahres-Reiseschutz: Annual travel insurance policies (Jahresreiseschutz) sold as yearly subscriptions covering unlimited trips within 365 days. Premiums vary by coverage tier (Standard, Plus, VIP), person type (single, couple, family), and maximum insured sum. Auto-renewing annually unless cancelled with one month notice. Revenue is recurring and subscription-based.
2. Travel Insurance Premiums — Single Trip/Einmal-Reiseschutz: One-time single-trip travel insurance policies covering one specific trip. Coverage includes trip cancellation and trip interruption protection. No auto-renewal; policy ends automatically at trip conclusion. Revenue is one-time per transaction.
3. COVID/Quarantine Add-on Protection: Add-on COVID-specific coverage sold as a one-time single-trip policy for EUR 10 (coverage up to EUR 2,000) or EUR 25 (coverage up to EUR 5,000) to supplement existing base travel insurance policies. Must be combined with a base TravelProtect policy.
4. Group Travel Insurance: Group travel insurance policies for 8–100 travelers (school trips, club trips, study tours). Premium is 4.0% of the total trip price per person with a minimum of EUR 15 per person. No age restriction. Sold as a single one-time policy per group trip.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

TravelProtect GmbH is a German insurance broker (Versicherungsvertreter/Mehrfachagent) that distributes travel insurance products from underwriters such as Hanse Merkur and die Bayerische. The company sells single-trip and annual travel insurance policies covering trip cancellation, trip interruption, luggage, and travel health, with optional COVID/quarantine add-ons, via its own German-language website with online calculator and digital claims submission.

Product overview

TravelProtect is a German travel insurance provider offering a modular product portfolio centered on travel protection. Core offerings include Reiserücktrittsversicherung (trip cancellation) and Reiseabbruchversicherung (trip interruption) as foundational coverage, with optional add-ons including Reisekrankenversicherung (health insurance), Reisegepäckversicherung (luggage insurance), and Corona Reiseschutz (COVID protection). Products are structured as either single-trip (Einmal-Reiseversicherung) or annual subscriptions (Jahresreiseschutz) with tiered packages (Basis, Plus, VIP) for Singles, Couples, and Families. Specialty offerings include Gruppen-Reiseschutz for groups of 8-100 persons, Familien-Reiseschutz covering children up to age 25, and Golf-Reiseschutz for golf trips. The company also partners with MyFlyRight for flight passenger rights claims. Pricing and coverage amounts vary by tier, with annual protection starting from €57 and single-trip coverage from €19.

Differentiator

Problem solved

Functional benefit

Brands

• MyFlyRight: A service for flight passenger rights, assisting with compensation claims for flight delays, cancellations, baggage issues, and denied boarding.

Products and services

• Reiserücktrittsversicherung (Trip Cancellation Insurance) Core travel insurance product covering cancellation costs when a trip cannot be taken due to insured events such as unexpected serious illness, death in the family, pregnancy, or job loss. Sold to individual travelers, couples, and families.
• Reiseabbruchversicherung (Trip Interruption Insurance) Core travel insurance product covering costs when a trip must be terminated early or extended unexpectedly due to insured events, including additional travel expenses and unused trip portions. Included free with all TravelProtect policies.
• Reisekrankenversicherung (Travel Health Insurance) Travel health insurance covering outpatient and inpatient medical treatment abroad, medications, dental treatments, and medical repatriation up to EUR 2,000,000. Sold as an add-on or part of the VIP insurance package.
• Reisegepäckversicherung (Travel Luggage Insurance) Add-on coverage for loss, damage, theft, or delayed delivery of luggage during travel. Included in the Plus and VIP insurance packages with coverage sums up to EUR 4,000 for families.
• Jahresreiseschutz (Annual Travel Insurance) Annual subscription travel insurance covering unlimited trips for 365 days with automatic renewal, available for Singles, Couples, and Families (children up to age 25). Recommended for travelers taking 2+ trips per year. Starts from EUR 49/year.
• Einmal-Reiseversicherung (Single Trip Insurance) One-time travel insurance policy for a single specified trip, covering up to 4 persons per contract. Automatically ends after the last travel day. Prices start from EUR 19 per trip.
• Corona Reiseschutz / Quarantäne-Schutz (COVID Travel Protection) Supplementary add-on coverage for COVID-19 related risks including quarantine-ordered isolation and pandemic-related trip cancellations. Available in two tiers: EUR 10 for EUR 2,000 coverage or EUR 25 for EUR 5,000 coverage. Underwritten by die Bayerische.
• Gruppen-Reiseschutz (Group Travel Insurance) Travel insurance for groups of 8-100 persons covering school trips, club travels, and study tours. No age restriction, no deductible. Premium at 4.0% of total trip price per person (minimum EUR 15/person).
• Familien-Reiseschutz (Family Travel Insurance) Family travel insurance covering two adults and children up to age 25, including patchwork families and single parents. Offered as an annual subscription policy.
• Weltweiter Krankenschutz (Worldwide Health Coverage) Worldwide travel health insurance providing coverage including USA, Canada, and Mexico with outpatient, inpatient, medications, and medical repatriation up to EUR 2,000,000.
• Golf-Reiseschutz (Golf Travel Protection) Specialty travel insurance for golf trips covering entry fees, golf equipment, and trip cancellation related to golfing activities.
• MyFlyRight Flight Passenger Rights Partner service for claiming flight compensation for delays over 3 hours, cancellations, denied boarding, and baggage issues. Service fee of 25% plus VAT on successful claims.

Quantifiable outcome

• Insurance payouts processed within 10 days of claim approval, based on customer testimonials
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Hanse MerkurcoreTechnology or IntegrationHanse Merkur is the primary insurance underwriter for TravelProtect's travel insurance products. TravelProtect acts as a broker/multi-agent selling Hanse Merkur policies. The Hanse Merkur brand is referenced on travel insurance product pages as 'Unser Partner: HanseMerkur' and the company's travel health insurance products link to Hanse Merkur booking systems.
• die BayerischecoreTechnology or IntegrationDie Bayerische (a German insurance company) underwrites the COVID quarantine protection add-on product (Zusatzschutz COVID) sold by TravelProtect. The product is branded as 'TravelProtect/die Bayerische' on the quarantine insurance booking page.
• Allysca AssistancecoreTechnology or IntegrationAllysca Assistance is the medical assistance partner for TravelProtect's travel health insurance (Reisekrankenversicherung). They provide 24/7 medical emergency hotline services, organize medical transports, and handle medical emergency coordination. The emergency phone number 0049 89 455 603 07 routes to Allysca Assistance.
• MyFlyRightminorGTM or Marketing PartnerMyFlyRight is a partner service for flight passenger rights (Fluggastrechte), integrated into TravelProtect's website under the 'Hilfe & Service' section. MyFlyRight helps customers claim compensation for flight delays, cancellations, boarding denials, and baggage problems. TravelProtect earns referral/partner income from this integration.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Die Bayerische Reiseversicherung: German mid-size insurer that co-brands TravelProtect's COVID/quarantine add-on. Operates its own travel insurance line competing with TravelProtect on similar product features and German consumer segments, making it both a partner and a competitor.
• ADAC Reiseversicherung: Travel insurance offering from ADAC, Germany's largest auto club with millions of members. Comparable on core product set (trip cancellation, health, luggage) and German consumer base, but ADAC competes on massive bundled-member distribution and brand trust rather than as a standalone broker.
• HanseMerkur Reiseversicherung: Primary underwriting partner of TravelProtect and itself a major direct writer of travel insurance in Germany. Competes with TravelProtect both as an underwriter and increasingly as a direct-to-consumer brand, making it both supplier and competitor.
• Check24 Reiseversicherung: Germany's largest price-comparison platform that aggregates travel insurance products from multiple carriers. Competes with TravelProtect for the same German consumer at the top of the funnel and increasingly disintermediates independent brokers by letting users buy direct from carrier pages.
• Allianz Travel: Travel insurance arm of Allianz, one of the world's largest insurers. Offers trip cancellation, health, and luggage products direct to consumers and through travel agency partners across Germany, with deeper capital and broader marketing reach than TravelProtect.

Emerging players

• MyFlyRight: German flight-compensation and passenger-rights service integrated into TravelProtect's website as a partner. Adjacent in serving German travelers' disruption-related financial protection needs, but focused on air-passenger-rights claims rather than traditional insurance products.

Direct peers

• Care Concept AG: Specialist German broker focused on travel health and long-term international health insurance. Competes directly with TravelProtect's Reisekrankenversicherung line for German travelers seeking dedicated medical coverage abroad.
• DR-WALTER Versicherungen: German insurance broker specializing in travel, long-term and expat insurance products, distributing through both direct online sales and partner channels. Comparable niche-broker positioning, product mix, and B2B travel agency distribution approach.
• Weltbild Reiseversicherung: Online travel insurance offering tied to the Weltbild retail brand, selling trip cancellation and travel health policies direct to German consumers. Closely comparable in product scope and DTC digital distribution model.
• Europäische Reiseversicherung (ERV): Germany's leading dedicated travel insurance brand, offering trip cancellation, interruption, health and luggage products direct to consumers and through travel agencies. Directly comparable to TravelProtect in product mix, target customer (German travelers), and distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/travel_protect
• Facebookfacebook.com/TravelProtect
• Instagraminstagram.com/travelprotectgmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TravelProtect