Care Discover Insurance: Cover, Premiums and How to Apply
Care Discover is a travel health and personal liability insurance from Care Concept, the German insurer. It covers stays of 10 days to 3 years in any country except the USA, starting from €1.39 per day.
It suits students, working holiday makers, au pairs, long-term travellers and business stays, including trips across several countries. Because the premium is low, it is a popular choice for working holidays in Canada and Australia.
- Applications are made directly on Care Concept’s official website. There is no extra cost for applying through this page.
- For questions about cover or claims, please contact Care Concept directly.
Premiums
Premiums depend on your age. You can take out cover for 10 days up to a maximum of 3 years.
| Period | Age 0–35 | Age 36–65 |
|---|---|---|
| 1 day | € | € |
| 30 days | € | € |
| 90 days | € | € |
| 180 days | € | € |
| 1 year | € | € |
- Example: 1 year of cover for a person aged up to 35 costs €507.35.
- Premiums are paid in euros.
What is covered
| Health insurance | Care Discover |
| Outpatient treatment | Covered |
| Rehabilitation after medically necessary treatment | Covered |
| Prescription medicines and medical supplies | Covered |
| Inpatient treatment | Standard ward |
| Pregnancy check-ups | Covered |
| Childbirth | Covered |
| Treatment during stays in your home country (up to 6 weeks) | Only with a policy of 1 year or longer |
| Repatriation of remains and funeral costs | Up to €55,000 |
| Continued cover after the policy ends, if not extended (premium paid retroactively) | At least 1 month, up to 3 months depending on the policy length |
| Dental pain relief and simple fillings | Policies up to 6 months: up to €300 per year Policies over 6 months: up to €600 per year |
| Medical aids prescribed by a doctor | Covered |
| COVID-19 | Covered |
| Deductible | None |
| Personal liability insurance | Care Discover |
| Personal injury and property damage | Up to €1.5 million |
| Defence against unjustified claims | Covered |
| Professional liability for au pairs | Covered |
| Deductible | None |
Personal liability insurance covers damage you cause to other people or their property. It does not cover damage to your own belongings.
The official terms on Care Concept’s website are binding. Please check them before you apply.
Care Discover product information (English)
Care Discover general terms and conditions (English)
What is not covered
Whether a claim is paid, and how much, is decided by the insurer case by case. Some claims are reimbursed in full, others only in part.
- Preventive care, chronic illnesses and pre-existing conditions (including allergies)
- The flight to your destination. Cover starts when you enter the country.
- Pregnancy that already exists on the start date or renewal date of the policy, whether or not you know about it
- Treatment outside your country of stay, except emergency treatment
- Medication you were already taking before the policy started
- Vaccinations and immunotherapy
- Psychotherapy
- Spa and sanatorium treatment
- Dental fillings (except repairs) and orthodontics
- Issuing medical certificates
Who can apply
- Age: 0–65 (not available from age 66)
- Policy length: 10 days to 3 years. Policies do not renew automatically and cannot exceed 3 years in total.
You cannot take out Care Discover if
- you are required to join public health insurance in your destination country, need long-term care, have entered the country illegally, or have no fixed place of residence.
- you are staying abroad for certain occupations, such as artists or instructors in air sports or diving (see the list of occupations), or as an athlete or professional sportsperson.
For a working holiday visa in Europe, Care Concept offers Care College. For stays in Austria, Care Concept offers Care Austria.
Things to know before you apply
Countries covered
Every country in the world except the USA.
Visa requirements
Whether Care Discover meets the insurance requirements for your visa depends on the country and type of visa. Please check with the immigration authority of your destination before you apply.
Taiwan, for example, accepts Care Discover for tourist visas of up to 3 months, but not for working holiday visas.
Cover in your home country
- Policies of 11 months or less: no cover in your home country
- Policies of 12 months or more: cover for up to 6 weeks per year
If you have lived in a country for 5 years or more, that country counts as your home country, even if you are not a citizen.
Report trips to your home country in advance
If your policy runs for 1 year or more and you travel to your home country, you must register the trip in advance through Care Concept’s online service portal. If you do not, only 50% of your medical costs will be reimbursed.
Waiting period
A waiting period of 31 days applies if both of the following are true:
- you take out the policy on or after your 32nd day in the destination country, and
- you cannot prove continuous health insurance up to that point.
During the waiting period you pay the premium, but you are not covered. If you apply before you travel, or can show that you are applying within 31 days of arrival, there is no waiting period.
- Accidents: no waiting period
- Dental inlays: 8 months
- Childbirth: 8 months
Cancellation
To cancel, notify Care Concept at least 3 months in advance by email, fax or post. Policies of 3 months or less cannot be cancelled early.
If your trip does not go ahead, for example because your visa is refused, you can cancel before the start date. Care Concept may ask for an official document showing that you cannot travel.
Receiving claim payments in euros
Care Concept pays claims in euros. If your bank account is in another currency, international transfer fees can be high. A free Wise account gives you a euro account number (IBAN). Give this IBAN to Care Concept when you make a claim.
How to apply
Apply on Care Concept’s official application page. The form is in English.
Frequently asked questions
- Q: Do I need a PayPal account to pay by credit card?
- A:No. Enter your email address on the PayPal screen and select “Next” to continue as a guest.
- Q: Can I apply after I have arrived?
- A:Yes. If you apply on or after your 32nd day in the country and cannot prove continuous health insurance, a 31-day waiting period applies. Applying before you travel avoids this.
- Q: Am I covered when I visit home?
- A:Only with a policy of 12 months or longer, for up to 6 weeks per year, and only if you register the trip in advance. Otherwise only 50% of costs are reimbursed.
- Q: Can I use Care Discover in the USA?
- A:No. The USA is excluded.
- Q: Who do I contact about a claim?
- A:Care Concept directly. Claims and questions about cover are handled by the insurer in English.
- Q: Is Care Discover compliant with Canada’s IEC Working Holiday visa requirements?
- A: Yes, Care Discover covers medical care, hospitalization, and repatriation, fully meeting IRCC requirements.
- Q: How does Care Discover compare to SafetyWing for Working Holidays?
- A: Care Discover offers a $0 deductible (compared to SafetyWing’s $250 deductible) and includes personal liability insurance as standard, starting at just €1.39/day.