The insured weather event is precipitation. The following types of precipitation are included:
One of the most rainy cities in the EU is Ljubljana in Slovenia (1368 mm rain per year). We offer even for this city -- and any other city inside the EU -- a rain insurance. But as these locations will almost certainly have one, two or even three days of rain during a one-week trip, we offer you contracts with a deductible for rainy locations and dates. In the contract data overview, you could see the following then:
Days covered / Your deductible: Non-insured days (you receive a payout for each rainy day above this numbers -- this also means only if it rains on more days than this number): 3For a one-week trip with 100€ payout per day this means on a very rainy location and date the following:
We accept insurance contracts that start at least 14 full days before the departure date. If you leave on the 16th of a month, you need to insure not later than on the 1st of the same month, and if your departure date is the 30th, then you need to purchase the insurance on the 15th or earlier.
We insure personal and business travel, and any other purpose of travel: what counts is that you actually go on a trip.
We always insure a specified risk location per contract. This can be an address, a hotel name or a city (in this case the system chooses automatically a location inside the city as the risk location). We show the GPS coordinates of the insured location in the contract data overview before the purchase.
If you travel to multiple locations, e.g. you're making a road trip or a cruise, please create a separate contract for each location and the respective dates of visit.
We're sorry that your travel got wetter than you wanted! We will send you an automatic message at the end of the insurance period. If the rain amount in your contract was reached, you can request your payout immediately, and it will be transferred to your account right after that! The payout depends on how many days were rainy, and how many days were covered (without deductible). The daily payout is mostly 50€ or 100€ (this number is shown in the contract data overview before the purchase).
Priority 1: Our Data Provider: Meteostat.net We determine your eligibility for payment based on weather data from our service provider, Meteostat. They also transparently publish this data on their website. Meteostat collects forecast data and weather records from various sources, with the source of each data point being transparently documented. Meteostat is the definitive source for your eligibility for payment. Important Note: Please select "Settings" in the top right corner of Meteostat's webpage and disable the "Model Data" setting to view actual weather measurement data. Otherwise, you may see the latest weather forecast. Website: Meteostat.net Also Good: Weather Stations and Radar Data: Kachelmann.com Sometimes, as a precaution, we cross-check the weather data received from Meteostat at kachelmann.com. There, a well-visualized history of weather data from both weather stations and high-resolution radar is archived (up to 250 meters accuracy). Radar images are saved in 5-minute intervals. Radar records are available for numerous European countries. Website: kachelmann.com Radar Data for Europe: https://kachelmannwetter.com/de/info/radar-europa-welt Please Avoid: Apple Weather App As of January 1, 2023, the iPhone's Weather App displays "rainfall" data. However, this "rainfall" information does not necessarily indicate actual rainfall. The source of this data cannot be traced for a specific location. Apple does not provide information about how these specific data points are generated. Nevertheless, the documentation of the Apple interface "WeatherKit" strongly suggests that this data is based on forecasts. In other words, the latest forecast is stored as "precipitation amount." It appears that the app doesn't provide actual measurement data — it's primarily a weather prediction app. If this app indicates that it has rained, this is not considered "proof" of rain by our standards.
You don't need to worry about proving rainfall. If there has been more rain during the period you've insured than specified in your contract, we'll automatically make the payout. All you need to do is provide us with your bank details, along with your date of birth and place of birth. There's no need to provide us with any additional evidence. While we have the right to request proof on a case-by-case basis, in practice, we rarely do so. Typically, we don't require proof if, for instance, you're traveling in your own car or staying in a holiday home. If we do find the need to request evidence, we will accept any reasonable and verifiable proof of your journey, including photos, emails, GPS log data, social media posts, confirmations from friends or acquaintances who accompanied you, and more. We will automatically notify you when we determine that it rained during your insured period, and you are due a payout. Our insurance is designed to make your life easier, not more complicated.
In general, it's worth insuring your vacation against rain if you plan to spend a lot of time outdoors. During the summer of 2023, our customers purchased travel rain insurance for their holidays in the following destinations. Not surprisingly, beach destinations took the lead, both in the north and south of Europe. But this season, lovers of mountain and nature vacations also frequently opted for rain insurance from Wetterheld. Furthermore, popular destinations that tend to be on the pricier side and those known for family vacations secured their place on the list. After all, dealing with bad weather on vacation with children can be particularly stressful. Camping vacations were also frequently insured with us.