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Union Travel Insurance

Union Reiseversicherung (URV) is the travel insurance specialist of Germany's public insurers and savings banks, offering trip cancellation, international health, and bundled travel policies since 2001.

Last updated September 26, 2026

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Overview

Union Reiseversicherung AG (URV) is a German travel insurance company headquartered in Munich. It was founded on 21 December 2001 as part of Consal Beteiligungsgesellschaft AG, a holding company within the Versicherungskammer Group, which also includes Bayerische Beamtenkrankenkasse AG and Union Krankenversicherung AG. The business traces its origins to the Union Reiseversicherung entity that originally belonged to the Kieler Provinzial insurance group. URV positions itself as the travel insurer of Germany's public insurers and savings banks (Sparkassen), a distribution network that gives it broad reach among retail customers. URV's product range focuses on travel-related risks. Its core offerings include trip cancellation insurance (Reiserücktrittsversicherung), international health insurance for travellers (Auslandsreisekrankenversicherung), and combined travel insurance packages that bundle cancellation and health coverage. Policies are sold both as single-trip protection and as annual plans. The company also provides a 24-hour emergency hotline, online claims reporting, and self-service tools for updating customer data. Its services are designed to support customers before, during, and after a trip. Since its founding, URV has insured more than 4.5 million customers, according to its own corporate communications. It operates as part of the Versicherungskammer Group, one of Germany's largest public insurance groups, which comprises 11 insurance companies and several regional brands. URV is based in Munich and serves the German market, with its products distributed through public insurers, savings banks, and direct channels. The company maintains a strong service orientation, emphasising round-the-clock availability and straightforward claims handling. As a subsidiary within the Versicherungskammer Group, URV benefits from the group's financial strength and infrastructure while concentrating exclusively on travel insurance. Its brand is well known among German consumers who purchase travel coverage through their local savings bank or public insurer. The company continues to operate under the URV brand and remains an active player in the German travel insurance market.

History

Union Reiseversicherung AG (URV) was founded on 21 December 2001 as part of Consal Beteiligungsgesellschaft AG, a holding company within the Versicherungskammer Group. The new entity emerged from the Union Reiseversicherung business that had originally belonged to the Kieler Provinzial insurance group. Consal Beteiligungsgesellschaft also includes Bayerische Beamtenkrankenkasse AG in Munich and Union Krankenversicherung AG (UKV) in Saarbrücken. From its inception, URV focused exclusively on travel insurance, a niche within the broader German insurance market. Its creation reflected a strategic move by the public insurers and savings banks to pool their travel insurance activities into a specialised company. This allowed the group to offer travel coverage under a dedicated brand while leveraging the distribution strength of the Sparkassen and public insurers. Since 2001, URV has provided travel protection to German customers. According to the company, more than 4.5 million insured persons have placed their trust in URV. The company has expanded its product range over the years to include trip cancellation insurance, international health insurance, and combined travel insurance packages, available as both single-trip and annual policies. It has also developed a comprehensive service infrastructure, including a 24-hour emergency hotline, online claims reporting, and self-service portals. URV is headquartered in Munich and operates within the Versicherungskammer Group, which comprises 11 insurance companies and several regional brands. The group provides a range of insurance products and services, and URV benefits from being part of this larger organisation. The company continues to serve the German market, maintaining its position as a travel insurance specialist for the public insurance sector.

  • 2001

    Union Reiseversicherung AG founded on 21 December as part of Consal Beteiligungsgesellschaft AG.

  • 2001

    URV begins offering travel insurance to German customers.

  • URV surpasses 4.5 million insured customers.

Products and positioning

Travel insurance specialist for Germany's public insurers and savings banks, offering round-the-clock service and comprehensive travel protection.

  • Reiserücktrittsversicherung (trip cancellation insurance)

    Helps if you cannot start or must cancel a trip.

  • Auslandsreisekrankenversicherung (international health insurance)

    Covers holiday trips abroad for a year.

  • Reiseversicherungspakete (travel insurance packages)

    Combines trip cancellation and international health insurance.

Sources7 sources

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