I found it very easy to use the online application from HanseMerkur. I have used this insurance many times and when needed, I had no problem filing my claims. HanseMerkur responded very fast after my return home. It worked perfectly for my husband and myself. I would recommend anybody who is looking for a Reiseversicherung to take it. I am looking forward for my upcoming trip, and feeling safe that in case of need, I am properly insured. Thanks HanseMerkur.