A-ROSA Insurances 2024

Services at a glance A-ROSA travel cancellation insurance* A-ROSA cruise cover A-ROSA Rhine cruise cover
1 Travel cancellation insurance
2 Holiday guarantee  
3 Travel health insurance   Included with certain restrictions
4 Luggage insurance  
5 Emergency insurance  
  Applies to all river cruises, regardless of the river Applies to the Danube, northern Rhine, Douro, Rhône & Seine Applies to the southern Rhine

*The travel cancellation insurance is already included for all A-ROSA “Premium All-Inclusive” bookings made before 30 November 2023. It is possible to opt out of the included travel cancellation insurance, but this will not result in a proportional reduction of the cruise price. For insurance reasons, we are unable to offer insurance services to travellers resident in the United Kingdom or Switzerland. The deductible amounts to 25 % of the reimbursable damage, subject to a minimum of € 25 per person.

Customers who already have the included obligatory travel cancellation insurance (all “Premium All-Inclusive” bookings until 30 November 2023) have the option to extend it at the following conditions:

Cost of travel A-ROSA travel cancellation insurance A-ROSA cruise cover A-ROSA Rhine cruise cover
Up to € 12,500 Included with a 25 % deductible € 39 € 21
Deductible assumption 1.50 % See deductible assumption insurance See deductible assumption insurance

Our insurance services


If you need to cancel the trip for an insured reason or travel at a later date, Hanse Merkur will reimburse you either for the cancellation costs due under the terms of the policy, or for additional outbound travel costs.

Insured reasons include, for example:

  • injury caused by an accident, pregnancy
  • unexpected and serious illness (incl. COVID-19), death
  • transport delays
  • loss of employment or short-time work
  • commencement of employment or change of employment
  • considerable damage to property

The deductible amounts to 25 % of the claim, with a minimum of € 25 per insured person.


Covers the additional return travel costs in the event of early or delayed return travel and in the event of travel interruption within the first half (max. within the first 8 travel days) of the trip the full or pro rata travel cost accordingly, and reimburses you the unused travel services in the event of a delay in departure.

Insured reasons include, for example:

  • injury caused by an accident
  • unexpected serious illness, death
  • significant damage to property
  • public transport delay
  • natural disasters and natural events at the holiday destination

Deductible: See travel cancellation insurance. In the event of an interruption to your journey due to illness or an accident, you will be reimbursed for the cost of your return journey to the ship.


Getting sick with COVID-19 before and during your cruise is an insured event! In case of illness, your cancellation costs are covered and your health is protected.


Assistance and reimbursement of costs for

  • out-patient treatment provided by a doctor
  • in-patient medical treatment in a hospital
  • drugs and surgical dressings and aids prescribed by a doctor and
  • transport to the nearest doctor/hospital and return to the accommodation
  • medically reasonable and appropriate return transportation
  • complications of pregnancy, premature delivery
  • delivery of medication
  • retrieval of luggage
  • repatriation of mortal remains and burial abroad
  • a visit to the insured person during a stay in hospital if the stay lasts longer than five days

No deductible. The A-ROSA Rhine Cruise Cover provides limited cover for voyages to regions bordering on Germany for a maximum stay of up to 48 hours.


Reimbursement of necessary replacement purchases, up to a maximum of € 500, if the baggage is not delivered by the carrier within one day. Sum insured per person € 2,000. No deductible.


Guardian angels for your trip.

This insurance offers help with emergencies that might affect the insured person during travel, e.g., help with emergency travel interruption, criminal prosecution or loss of means of payment or documents.

International emergency assistance service when travelling: +49 40 5555-7877
24-hour service – charges may apply depending on phone provider.

A-ROSA insurance cover with a 25 % deductible

A-ROSA travel cancellation insuranceA-ROSA cruise coverA-ROSA Rhine cruise cover
Cost of travelPremium per PersonPremium per PersonPremium per Person
Up to € 500€ 28€ 46€ 32
Up to € 1,000€ 56€ 74€ 60
Up to € 1,500€ 68€ 92€ 72
Up to € 2,000€ 91€ 115€ 95
Up to € 3,000€ 149€ 177€ 153
Up to € 4,000€ 181€ 199€ 185
Up to € 12,5005.10 % of the cost of travel7.70 % of the cost of travel5.90 % of the cost of travel

Deductible assumption insurance

Hanse Merkur will assume the 25% deductible included in the policy.

A-ROSA travel cancellation insuranceA-ROSA cruise coverA-ROSA Rhine cruise cover
Cost of travelPremium per PersonPremium per PersonPremium per Person
Up to € 500€ 7€ 8€ 8
Up to € 1,000€ 18€ 20€ 20
Up to € 1,500€ 22€ 25€ 25
Up to € 2,000€ 29€ 32€ 32
Up to € 3,000€ 47€ 53€ 53
From € 3,001Available upon request


The information provided about the scope of the insurance is only representative. You can obtain the complete terms and conditions from your travel agency or from A-ROSA. The insurance cover is regulated by the Insurance Conditions VB-RKS 2021 (T-D) / VB-RS 2021 (T-GV-RRV-D) of the HanseMerkur Reiseversicherung.


Travel cancellation insurance must be taken out at least 30 days before departure. If the trip starts within 30 days of booking, the travel cancellation insurance must be taken out at the latest by the third working day after booking the trip.


Application for mediation and complaints can – if an agreement with HanseMerkur has not been possible – be directed to the following mediation and complaints office: Versicherungsombudsmann e.V.: Postfach 08 06 32, 10006 Berlin, Telephone +49 800 3696000, Fax 0800 3699000, email: Beschwerde@versicherungsombudsmann.de You can find further information online at: www.versicherungsombudsmann.de/welcome/

Rhine / Main / Moselle

 Rhine / Main / Moselle
Rhine / Main / Moselle



Rhône / Saône

Rhône / Saône
Rhône / Saône