Compare the main providers
The source compares Dr. Walter AU-PAIR24, Klemmer International and Care Concept. Some links are affiliate links: the agency may receive a commission, without additional cost to you.
| Cover | Dr. Walter M / L / XL | Klemmer Premium | Care Concept |
|---|---|---|---|
| Monthly premium in the source comparison | €44 / €49 / €79 | Approx. €39 | Approx. €39 |
| Health, accident and liability | Included | Included | Included; basic liability |
| Deportation costs | Strong cover | Strong cover | Much lower cover |
| Key loss | L and XL: included | Not in the comparison’s Premium column | Not included |
| Preventive examinations and recommended vaccinations | XL: up to €500 per year | Not included | Not included |
| Dental prophylaxis | XL: included | Not included | Not included |
| Outbound and return travel | Included | Included | Included |
| Health deductible in the source comparison | None | None | None |
| Cancellation | Monthly | Monthly | Monthly |
Dr. Walter AU-PAIR24
The agency’s source guide recommends L for strong standard cover and XL for additional preventive care, vaccinations and dental prophylaxis. Strengths include clear au pair-specific tariffs, health/accident/liability/deportation cover, digital reimbursement and explicitly documented outbound and return travel cover. XL adds preventive benefits up to €500 per insurance year.
Klemmer International
The source presents Klemmer as an established alternative with strong liability cover and high limits for personal injury, property damage and deportation costs. It does not include the expanded preventive benefits listed for Dr. Walter XL. As with many au pair policies, damage to household inventory is excluded.
Care Concept
The source describes combined health insurance with additional accident and liability insurance. It meets minimum requirements, but has lower deportation cover and a more complex tariff structure using separate components. The agency’s source therefore gives it a more limited recommendation.
Liability cover: Dr. Walter and Klemmer
| Area | Dr. Walter AU-PAIR24 | Klemmer liability / accident |
|---|---|---|
| Personal injury and property damage | Up to €1.5m (M); €2m (L/XL) | Up to €2.6m combined |
| Private life and au pair duties | Private and professional au pair liability included | Liability arising from au pair duties included |
| Injury to host parents and children | Included in all tariffs | Explicitly included |
| Damage to rented premises | Up to €100,000 | Up to the liability limit of €2.6m |
| Host family’s buildings / immovable property | Up to the liability limit; €250 deductible | Up to €2.6m; €250 deductible |
| Key loss | M: excluded; L/XL: up to €500 | Up to €500 in liability / accident tariff |
| Deportation costs | Up to €4,000, including subsequent liability | Up to €6,000, with unlimited subsequent liability |
| Ordinary liability deductible | €0; €250 for immovable property damage | €0; €250 for immovable property damage |
| Territorial scope | EU / EEA and Switzerland, among others, according to conditions | Worldwide holidays up to six weeks, including the home country |
Common exclusions
- Intentional damage and intentional criminal acts.
- Damage arising from owning, keeping or driving motor vehicles and other vehicles requiring registration.
- Borrowed, rented or entrusted movable items, apart from explicitly insured rental-property exceptions.
- Host-family inventory such as furniture, electronics, lamps and household appliances.
- Professional or commercial work outside the agreed au pair role.
- Cyber risks and electronic data damage, unless specifically covered.
- Damage to the au pair’s own property.
This comparison provides initial orientation. It does not replace advice from the insurer or an insurance broker. Always check the official terms of the selected tariff.