TravelSecure

What TravelSecure does

TravelSecure is the dedicated travel insurance brand of Würzburger Versicherungs-AG, a privately held German insurer headquartered in Würzburg and operating under the TravelSecure® trademark since 1999 (parent company founded 1989). The company provides a comprehensive portfolio of travel insurance products across trip cancellation, travel interruption, international health, baggage, and accident coverage, offered as single-trip policies, annual subscriptions, long-stay coverage (up to 1,095 days), and group policies (8+ persons without age limit). It targets vacation travelers, students and backpackers, business travelers, sports and adventure travelers (ski, snowboard, hiking, golf, fishing), school and seminar groups, and incoming international visitors to Germany, with specialized sub-brands such as TravelSecure Young and TravelSecure4Students addressing the youth/long-stay segment and an Italy-certified Ski-Haftpflichtversicherung meeting mandatory ski liability requirements.

The company operates a direct-to-consumer technology platform hosted in-house at its Würzburg headquarters. The stack comprises online tariff calculators for self-service policy purchase, an SSL-secured contract management portal (Vertragsservice), digital claims submission (Schadenmeldung), multilingual policy confirmation generation, and a 24/7 worldwide emergency hotline. Customer service is delivered via phone, a callback scheduling tool, WhatsApp (Mon-Fri 8:00-18:00), and online self-service. Marketing and acquisition infrastructure includes SEO/SEM (Google, Bing), paid social (Meta, TikTok), the AWIN affiliate network, content marketing (wiki, Ratgeber, destination-specific entry-regulation guides), and third-party review validation via eKomi. Data analytics rely on etracker (consent management), Mouseflow (session replay/heatmap), and standard web pixels.

The revenue model is built on insurance premiums across multiple coverage tiers (Basis, Komfort, Topschutz, Exklusiv), sold primarily through the travelsecure.de website with optional deductibles. Pricing varies by trip duration, destination (with/without USA/Canada), age, and tier. The company monetizes both one-time single-trip premiums and recurring annual subscriptions, plus a portfolio of niche add-ons (camper package, seminar insurance, au-pair insurance, fishing/golf/hiking/bicycle insurance). Distribution is exclusively direct-to-consumer within the German-speaking market, with no disclosed broker or B2B channel of material scale. The brand has accumulated six Stiftung Warentest Testsieger wins, VEMA broker survey recognition in 2024 and 2026, Focus Money's Best Customer Hotline 2025 award, and WirtschaftsWoche customer-trust recognition in 2023, anchoring its position in the German retail travel insurance market.

Name

TravelSecure

Legal name

Würzburger Versicherungs-AG

Website

https://travelsecure.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

TravelSecure is the travel insurance brand of Würzburger Versicherungs-AG, selling trip cancellation, international health, baggage, and specialty travel insurance (ski, student, group, long-stay) directly to German-speaking consumers via its website, phone, and WhatsApp, with a six-time Stiftung Warentest Testsieger track record.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

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

akta.pro secondary industries

Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL), Group Travel & Corporate Travel Accident Insurance (FSAJAJAK), Student & Study-Abroad Travel/Accident Insurance (FSAJAJAJ)

Keywords

• Travel insurance products
• Trip cancellation insurance
• International health insurance
• Travel medical coverage
• Annual travel insurance

Headquarters

HQ city

Würzburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Insurance Premiums (Single-Trip Policies): One-time insurance premiums charged per single trip. Covers trip cancellation, travel interruption, foreign health insurance, luggage, and accident coverage. Customers can purchase with or without deductible.
2. Annual Travel Insurance (Jahresreiseversicherung): Recurring annual subscription covering unlimited trips within one year. Includes bundled packages such as Reisekarte4you with options for individual or family coverage. Marketed as cost-effective for travelers taking two or more trips per year.
3. Long-Stay / Extended Travel Insurance: Premiums for extended-coverage policies for trips up to 365 days, as well as multi-year policies for digital nomads, expats, students, and work-and-travel participants. Covers foreign medical, accident, and emergency services.
4. Group Travel Insurance: Group-specific insurance policies for 8+ persons without age limit. Covers trip cancellation, travel interruption, and foreign medical insurance for bus trips, school trips, and custom group travel.
5. Specialized / Niche Travel Insurance: Premiums for specialized policies including seminar insurance, camper package, ski and snowboard insurance, hiking and mountaineering insurance, fishing insurance, golf insurance, and au-pair insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels11 records

Core offering

TravelSecure sells travel insurance policies directly to individual consumers, covering trip cancellation, travel interruption, international health insurance, baggage, and accident coverage. The company offers single-trip, annual, and long-stay policies, plus specialized products for students, backpackers, groups, sports travelers (skiing, hiking, golf, fishing), and foreign visitors to Germany. Policies are available with or without deductibles across multiple coverage tiers (Basic, Comfort, Topschutz, Exklusiv).

Product overview

TravelSecure is the travel insurance brand of Würzburger Versicherungs-AG offering a comprehensive portfolio of travel insurance products. The product portfolio is organized as a platform-plus-modules architecture comprising core insurance products (trip cancellation, travel interruption, international health insurance, baggage, accident), specialized packages (TravelSecure Young for young adults, annual travel insurance, group/class trip insurance, seminar insurance), and sport/activity-specific add-ons (ski, snowboard, hiking, camper packages). The core offerings are available with or without deductibles, and customers can purchase individual products or combine them into comprehensive packages. Products serve diverse target segments including vacation travelers, students, business travelers, backpackers, work-and-travel participants, au-pairs, and foreign visitors to Germany.

Differentiator

Problem solved

Functional benefit

Brands

• TravelSecure Young: Specialized travel insurance products for young adults including students, backpackers, work and travel participants, and au pairs.
• TravelSecure4Students

Products and services

• Jahresreiseversicherung (Annual Travel Insurance) Annual travel insurance package covering trip cancellation, travel interruption, international health insurance, and baggage insurance for unlimited trips within one year. Available in individual and family variants.
• Reiserücktrittsversicherung (Trip Cancellation Insurance) Insurance covering cancellation costs for unexpected illness, accident, death, or job change before trip departure. Available as Topschutz (with travel interruption) or Grundschutz (cancellation only).
• Reiseabbruchversicherung (Travel Interruption Insurance) Insurance reimbursing unused travel services and return travel costs when a trip is interrupted after departure.
• Auslandskrankenversicherung (International Health Insurance) Coverage for medical treatment costs abroad, including acute illness and accidents, with options for trips up to 56 days or up to 365 days for long-term travelers. Variants available with or without USA/Canada coverage.
• Reisegepäckversicherung (Travel Baggage Insurance) Insurance protecting luggage against loss, theft, or damage during travel.
• Reiseunfallversicherung (Travel Accident Insurance) Insurance providing coverage for accidents occurring during travel.
• TravelSecure Young Specialized insurance product line for young adults including students, backpackers, work & travellers, au-pairs, and doctoral candidates needing long-stay foreign health insurance and related travel coverage.
• Gruppenreiseversicherung (Group Travel Insurance) Travel insurance for groups starting at 8 persons without age limit and without deductible, covering international health and cancellation with interruption.
• Klassenreiseversicherung (Class Trip Insurance) Specialized insurance for school trips covering cancellation, interruption, and health insurance, valid worldwide for groups of 6 or more students with optional teacher absence coverage.
• Busreiseversicherung (Bus Travel Insurance) Insurance coverage for bus trips including international health insurance.
• Seminarversicherung (Seminar Insurance) Insurance for seminars and conference trips, including cancellation and interruption coverage, with ability to insure seminar series within a 365-day period.
• CAMPER Sorglos-Paket (Camper Carefree Package) Comprehensive insurance package for campers including trip cancellation, rebooking protection, content insurance for luggage, and deductible coverage.
• Ski- und Snowboardversicherung (Ski and Snowboard Insurance) Insurance covering theft, breakage, and damage to ski and snowboard equipment, including repair cost coverage and rental equipment reimbursement.
• Ski-Haftpflichtversicherung (Ski Liability Insurance) Liability insurance for skiing in Italy and South Tyrol, where insurance has been mandatory since January 2022. Includes Italian-language certification for compliance with local regulations.
• Wander- und Bergsportversicherung (Hiking and Mountain Sports Insurance) Insurance covering mountain rescue both domestically and abroad, including transport to hospital near home, without deductible.
• Aktiv-Reiseschutz (Active Travel Protection) Specialized insurance coverage for active travelers engaging in sports and adventure activities during their trips.
• Au-Pair Versicherung (Au-Pair Insurance) Insurance tailored for au-pair arrangements abroad, providing international health and related coverage.
• Versicherungen für ausländische Gäste (Insurance for Foreign Guests) Health insurance for visitors traveling to Germany, covering medical treatment for up to 365 days.
• Incoming Versicherung (Incoming Insurance) Insurance coverage for visitors to Germany, including health protection and related travel benefits.
• Reise-Sorglos-Paket (Travel Carefree Package) Combined insurance package offering comprehensive travel protection including cancellation, interruption, and health coverage.

Quantifiable outcome

• 94 Tarife tested — TravelSecure Langzeit-Auslandskrankenversicherung received SEHR GUT (1,3) in Finanztest 05/2026
• +3 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Ten partnerships are on record, tiered minor.

• AWIN AGminorGTM or Marketing PartnerAWIN provides affiliate marketing infrastructure for TravelSecure's partner program. Third-party publishers and travel websites drive referral traffic to TravelSecure and earn commissions on policy conversions. AWIN handles tracking, reporting, and payment processing for the affiliate network.
• Google Ireland Limited / Google LLCminorGTM or Marketing PartnerGoogle provides multiple services for TravelSecure: Google Analytics for web analytics, Google Ads/AdWords for paid search, DoubleClick for display retargeting, Google Remarketing, Google Fonts for web typography, YouTube video embedding, and Google Webmaster tools. These services support demand generation, website optimization, and user experience.
• Meta Platforms Ireland Ltd. (Facebook & Instagram)minorGTM or Marketing PartnerMeta provides the Meta Pixel (Facebook Pixel) for conversion tracking and custom audiences on Facebook and Instagram, and automatic data enrichment using AI. TravelSecure maintains a corporate presence on Facebook and Instagram. Joint controllership applies to Meta Pixel data processing under Art. 26 DSGVO.
• Microsoft Corporation (Bing Ads)minorGTM or Marketing PartnerMicrosoft Bing Ads provides remarketing and paid search advertising services for TravelSecure. Bing Universal Event Tracking (UET) collects non-personally-identifiable usage data for conversion tracking and audience segmentation.
• TikTok Technology Limited & TikTok Information Technologies UK LimitedminorGTM or Marketing PartnerTikTok provides the TikTok Pixel for event tracking and targeted advertising on the TikTok platform. TravelSecure uses TikTok Pixel to measure ad performance, create remarketing audiences, and optimize ad delivery on TikTok.
• WhatsApp (Meta / WhatsApp LLC)minorGTM or Marketing PartnerTravelSecure offers customer service via WhatsApp as an additional communication channel, available Monday to Friday 8:00–18:00. Note that WhatsApp's data protection standards are described as limited relative to other channels.
• eKomi SEminorGTM or Marketing PartnereKomi provides verified customer review widgets and badges for TravelSecure's website, displaying independent customer ratings to build trust and social proof.
• LinkedIn (Microsoft / LinkedIn Corporation)minorGTM or Marketing PartnerTravelSecure maintains corporate LinkedIn pages (both the brand page and the Würzburger Versicherungs-AG corporate page) for professional brand awareness and employer branding.
• Pinterest Europe Ltd.minorGTM or Marketing PartnerTravelSecure uses Pinterest social plugins on its website to link to its Pinterest presence, enabling social sharing and brand visibility on the Pinterest platform.
• Gesamtverband der Deutschen Versicherungswirtschaft e.V. (GDV)minorOthersTravelSecure / Würzburger Versicherungs-AG is a member of the GDV, the German Insurance Association, which represents the interests of the German insurance industry and sets industry standards including the Code of Conduct Datenschutz (data protection code of conduct).

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA Travel Insurance: AXA Germany offers travel insurance products as part of its broader insurance portfolio, including annual travel and single-trip cancellation policies. Competes across the same German consumer base with strong corporate backing.
• ADAC Reiseversicherung: ADAC, Germany's largest automobile club, offers travel insurance products to its 21M+ members. Competes with TravelSecure in trip cancellation and foreign health, leveraging massive member-based distribution and brand trust.
• Barmenia Reiseversicherung: Barmenia is a large German health and travel insurer offering trip cancellation, foreign health, and group travel products. Comparable offering as part of a broader insurance portfolio, with similar DTC distribution model.
• HUK-COBURG Reiseversicherung: HUK-COBURG is a large German mutual insurer offering travel insurance products as part of its broader portfolio. Competes in German consumer travel insurance market with established brand and multi-line distribution.
• Allianz Travel: Allianz Travel is the travel insurance arm of Allianz, Germany's largest insurer. Offers overlapping trip cancellation, foreign health, and baggage products with multi-country distribution and broader P&C bundling — directly competes with TravelSecure across product lines and German-speaking consumers.

Direct peers

• HanseMerkur Reiseversicherung: HanseMerkur is a major German mutual insurer with a strong specialist travel insurance line covering trip cancellation, foreign health, and long-stay policies. Closely comparable in product scope and target customer (German outbound travelers), competing in the same Stiftung Warentest rankings.
• BD24 Berlin Direkt Versicherung: BD24 Berlin Direkt is a German direct insurer specializing in travel insurance including trip cancellation and foreign health. Closely comparable digital-first DTC model targeting German consumers with competitive pricing.
• ERV (Europäische Reiseversicherung): ERV is one of Germany's leading specialist travel insurers, offering trip cancellation, foreign health, and group travel insurance. Operates as a direct-to-consumer brand under the Munich Re Group and competes head-to-head with TravelSecure across nearly all product categories and channels.

Regional players

• World Nomads: World Nomads is a specialist travel insurer focused on backpackers, long-term travelers, and adventure sports — closely matching TravelSecure Young and TravelSecure sports products. Operates globally rather than in Germany, but competes for the same digital nomad and adventure traveler persona.

Others

• Check24 Reiseversicherung: Check24 is Germany's leading price-comparison platform that distributes travel insurance from multiple carriers including TravelSecure itself. Acts as both a distribution channel and an indirect competitor driving price transparency and comparison-driven purchasing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks1 record

Key highlights6 records

Customer concentration

• Facebookfacebook.com/travelsecure.de
• LinkedInlinkedin.com/company/travelsecure-reiseversicherung
• Instagraminstagram.com/travelsecure.de
• Xx.com/Travelsecure

Compliance9 records

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 TravelSecure