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Best Travel Insurance For Tourists In Germany [2024 Ultimate Guide]

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Key takeaways

  • Everyone who needs a visa to travel to Germany is required to get travel insurance for Germany.
  • Even if you are not required to have travel insurance for Germany, getting one is recommended.
  • You should consider getting travel insurance from an insurance company in Germany over an insurance company in your home country.
  • You can cancel the travel insurance free of charge. Moreover, you can get the premium back if you must return home earlier than planned.

This is how you do it

  • Get travel health insurance before the start of your trip to Germany and other Schengen countries.
  • We find travel insurance from Dr. Walter * and HansMerkur among the best.

Table of Contents

Best travel health insurance for foreigners in germany.

*As most companies offer several products, the customer reviews on Trustpilot reflect a mix of those products.

The following is common among all travel health insurance providers.

  • ✅ Provides the necessary medical coverage
  • ✅ Coverage in Germany and Schengen countries.
  • ✅ Travel insurance recognized by the visa authorities 
  • ❌ Existing medical issues and foreseeable medical problems are not covered

Other travel health insurance providers are

  • Ergo Reiseversicherung

However, they offer services in Germany only.

We find Dr. Walter’s travel insurance for people up to 64 years old to be one of the best options. However, HansMerkur is significantly cheaper for people 65 and older.

NOTE: Dr. Walter offers unlimited health insurance coverage, but HanseMerkur’s insurance coverage is limited to 50,000 €.

Do foreign guests need travel insurance to visit Germany?

Yes, everyone who needs a visa to visit Germany is required to get a travel insurance plan. Additionally, people traveling from countries outside the European Union should also get a good travel insurance policy.

Here are some reasons you should get a good travel insurance policy while visiting Germany.

  • You need travel insurance when applying for a Schengen visa.
  • Doctors and medications are expensive in Germany.
  • Suppose you have to be hospitalized during your stay in Germany and don’t have travel insurance. You’ll end up paying thousands of euros for the treatment. 
  • Travel insurance companies in Germany also offer add-ons like liability and accident insurance. You should also get these as they can save you from financial ruin. Suppose you forgot to turn off the tap in the bathroom, and it floods the hotel room. You are liable to pay the damage costs. If you have personal liability insurance, the insurer will cover the costs. In the worst, if you hurt someone accidentally, the damage claim can be in millions. Thus, having liability insurance is highly recommended when visiting Germany.
  • No deductible , no age limit
  • Unlimited coverage of medical costs
  • Cancellation and rebooking free of charge
  • Contract and services in English

What are the travel insurance requirements for a Schengen visa?

The visa requirements for travel insurance are.

  • The minimum insured sum is 30,000 €
  • Travel insurance must be valid throughout the Schengen area
  • You must get travel insurance to cover your entire stay in Germany and other Schengen regions.

The German embassy also accepts travel insurance from German insurance companies. Furthermore, getting travel insurance from a German insurer offers several benefits.

Why is getting travel insurance from a German insurer recommended over your home country’s insurer?

  • Travel insurance from German insurers offers better services at lower costs. As several insurance companies are active in Germany, the insurance market is very competitive, leading to better services at a lower cost. Dr. Walter * costs 108 € for a 90-day trip to Germany and the Schengen area. You get unlimited coverage, you don’t have to pay when you visit a doctor or a hospital in Germany, etc., at that price.
  • German doctors and hospitals charge the insurance companies directly. In travel insurance from your home country, you must pay the doctor’s fee and get reimbursed later. However, you don’t have to pay a cent if you take travel insurance from a German insurer. Most doctors and hospitals in Germany bill the travel insurance providers directly.
  • Contracts and information are available in both English and German. The German travel insurance providers offer documents and information in both English and German. When you visit a doctor or hospital in Germany, you can show them the information in German. Many ground-level staff and doctors can’t speak good English. Thus, having information in German makes it easier for them.
  • German insurers are regulated by the German authorities.  Germany has very strict regulations around insurance. Every insurance company must comply with these rules or may face hefty fines.
  • Clearly describe the travel insurance coverage.  German insurance companies are required by law to describe the coverage clearly. This means that instead of stating just “dental coverage” on their website, they must describe exactly what it means and the coverage limit. For example, Dental treatment for pain relief, simple fillings (plastic filling material), and repair of existing dentures.
  • Central bodies like ( Verbraucherzentrale and BaFin ) take care of customer issues free of charge. 
  • You can contact the  insurance ombudsman if you have disputes with the insurance company. The insurance ombudsman supports you free of charge.

How much does travel insurance for Germany cost?

  • Dr Walter costs 1.1 € per day for individuals up to 64 years old. So, you pay 99 € for a 90-day trip.
  • HanseMerkur costs 1.2 € per day for individuals up to 64 years old. So, you pay 108 € for a 90-day trip.

The table below summarizes the travel insurance costs based on your guest’s age and stay period.

What is covered under travel insurance for tourists in Germany?

  • Outpatient medical treatment.  In Germany, doctors and dentists must charge their patients according to the fees regulated by law. If they charge more than the regulated fee, they must give a written justification to the patient. The German travel insurance plan covers the doctor’s regulated fees. If the doctor charges more than the regulated fee, you must pay the difference on your own.
  • The travel health insurance plan covers inpatient medical treatment, including operations.
  • Medicines and remedies:  Travel insurance covers the prescribed medicines, remedies, and dressing material.
  • Rental costs for medically prescribed aids : Suppose you have an accident and need medical aids to recover faster. Travel insurance will cover the cost of renting such aids. The insured sum is usually limited. Dr. Walter’s * insured sum is limited to 500 € per claim.
  • Dental treatment for pain relief, simple fillings (filling material: plastic), and repair of existing dentures. 
  • Cost of medically necessary transport to the nearest hospital for inpatient treatment and treatment by an emergency physician.
  • Medically necessary or prescribed return transport to your home country.
  • Repatriation costs: The cost of bringing the mortal remains to your home country or funeral expenses in Germany. The insured amount is limited, and the value varies from insurer to insurer.
  • Personal liability insurance:  It covers the cost of damage you caused to a third party negligently. It covers bodily injury and property damage. The insured sum is 1 million euros.

What is not covered under travel insurance for visitors in Germany?

  • Pre-existing or known diseases.
  • Travel insurance doesn’t cover the cost of over-the-counter medicines.
  • Massages, medicinal baths, and poultices.
  • Visual and hearing aids are not covered by travel insurance.
  • Travel insurance doesn’t cover the cost of damage caused by the use of a motor vehicle. So, if you rent a car in Germany or the Schengen area, you must get separate car insurance.
  • If you cause damage intentionally, liability insurance will not cover the costs.
  • Accidents that you caused by driving under the influence of alcohol or drugs.
  • Poisoning from food or other substances.
  • Intervertebral disc degeneration.
  • Active participation in motor racing.

What should you know about visiting a doctor in Germany?

You fell sick during your travel to Germany. What should you do next? How do you find the right medical care? How do you file a claim with your travel insurance company? Let’s have a look.

How do you find a doctor in Germany?

Like most countries, Germany has two types of physicians: general practitioners and specialists. You must visit a general practitioner if you don’t have a life-threatening situation, such as catching a cold, fever, or minor injury. 

General practitioners are called “Hausartz” in German. So, Google “Hausartz” to find the general physicians near you.

However, suppose you need to visit a specialist, such as a skin doctor or orthopedic surgeon. In that case, you must first visit a Hausartz and get a prescription to visit a specialist.

You can ask the general physician for the specialist’s contact details or search on Google Maps. 

Getting an appointment with a doctor in Germany?

Weekends, public holidays, after hours

Private practices in Germany are closed on public holidays, weekends, or after working hours. So, if you want to visit a doctor on weekends, you must visit the nearest hospital (Krankenhaus).

You must go to the hospital’s emergency area (Notfall) and tell them your problem. You can expect to wait 2 to 8 hours, depending on your medical condition. 

You can check the doctor’s opening hours on Google Maps or their website. To make an appointment, you must call the doctor.

Most receptionists in Germany don’t speak English, so you must explain your situation in German. You can also ask your host family or hotel staff for help to get a doctor’s appointment. 

Visiting a hospital during your trip to Germany

In Germany, hospitals (Krankenhaus) are open 24/7. You go to a hospital in two situations: a private practice is closed or an emergency.

In an accident or emergency, you should call an ambulance. The ambulance number in Germany is 112 .

Buying medicines during your trip to Germany

German pharmacies are called “Apotheke” in German. You can find them everywhere. However, they are usually open

  • from 08:00 to 18:00 on the weekdays
  • 08:00 to 13:00 on Saturday
  • closed on Sundays and public holidays.

There are a few 24×7 pharmacies that you can search on Google.

Your travel insurance doesn’t cover the costs of over-the-counter medicines, but it does cover medicines prescribed by a doctor.

Always keep the receipts of the pharmacies. You need them when claiming the travel insurance benefits. Pharmacists in big cities can speak English. But if they don’t, be prepared with German text.

How do you file a claim with the German travel insurance companies?

Here is how you file a travel insurance claim with Dr. Walter.

Doctor’s visit

  • Consult a general practitioner before seeing a specialist or going to hospital.
  • Show your physician Ärzte-Info-Ticket (medical information card) prior to treatment. When you take travel insurance, Dr. Walter gives you the medical information card.
  • Inform your doctor that travel insurance only covers acute medical treatment.
  • Usually, the doctor bills the insurance company directly. However, if they don’t, you get an invoice from them.
  • Ensure that the invoice contains the following information.
  • your name (treated person), illness, type of medical services performed, and total treatment costs.
  • You must pay the doctor and later claim the costs from the travel insurance company.
  • To submit the claim, you can use Dr. Walter’s online form. Attach all the invoices to ensure fast processing.

Hospitalization in an emergency situation

The insurance company considers a life-threatening situation that occurred unexpectedly as a medical emergency. In a medical emergency, severe health impairment or death may occur if no immediate medical care is given.

In an emergency situation, you show your Ärzte-Info-Ticket (medical information card) to the hospital. The hospital will contact the insurance company and usually settle the bill directly with them.

Hospital or inpatient treatment in a non-emergency situation

In this scenario, you must contact your travel insurance company before getting the treatment. Check what medical costs are covered to avoid any surprises later.

What can you do if the travel insurance provider rejects your claim?

You have three options if you think the insurance company falsely rejected your claim.

  • File a complaint online at Verbraucherzentrale . You must submit the complaint in German language. Google Translate or DeepL works well when translating English to German text. When filing the complaint, you must submit your insurance contract, invoices, email conversation with the insurer, and other relevant documents.
  • Another authority to which you can submit a complaint is BaFin . When filing the complaint, submit all the documents.
  • You can also contact an insurance ombudsman . They provide support for disputes against insurance companies free of charge.

Can you cancel the Germany travel insurance policy?

Yes, you can cancel your travel insurance contract. There are different scenarios, and cancellation works differently for each.

  • Canceling the travel insurance policy before starting the trip. You can cancel the contract or change the travel dates free of cost. You can do this by emailing or filling out an online form.
  • Canceling travel insurance due to visa rejection.  You can cancel the travel insurance contract free of charge. You must submit the visa rejection email or letter to the insurer.
  • Canceling the travel insurance contract if you return early from your trip. You pay for the number of days you were insured under travel insurance. If you must return home earlier than planned, you can get the travel insurance premium back for the remaining days. You must cancel your contract to get the insurance premium back.
NOTE: You must immediately inform the travel insurance company about your changed plans and cancel the contract.

What should you know about traveling in Germany?

  • Safety: Germany is a very safe country. So you don’t have to worry about pickpocketing or traveling alone at night. However, you must avoid going to areas or streets that look sketchy at night alone.
  • Transport: Germany is proud of its public transport and railway network. You can buy a 49 € monthly ticket and travel all over Germany using any type of public transport (bus, trains, trams, ferries, etc.) except ICEs (fast trains).
  • Language: You should know a few German words before coming to Germany. It’ll make your trip more enjoyable. For example, thank you (Danke), Excuse me (Entschuldigung), please (Bitte), train (Bhan), etc.
  • Locals : Locals are usually friendly and open to helping foreigners. However, restaurant and shop staff in Germany usually seem cold to foreigners traveling for the first time. But it’s a cultural thing and not racist. 
  • Beer : German beer and beer festivals are famous all around the world. So, don’t forget to try a freshly brewed cold beer from the barrel. If you don’t drink alcohol, Germany offers alcohol-free beer for you.

German vocabulary to make your stay in Germany pleasant

  • Doctor (Artz)
  • General physician (Hausartz)
  • Orthopedic doctor (Orthopedie)
  • Skin doctor (Hautartz)
  • Hospital (Krankenhaus)
  • Emergency (Notfall)
  • Pharmacy (Apotheke)
  • Pain (Schmerzen)
  • Emergency number: 112
  • Train (Bhan)
  • Train station (Bhanhof)
  • Thank you (Danke)
  • Excuse me (Entschuldigung)
  • Food (Essen)

We wish you a great time in Germany and safe travels.

Image Attribution

  • Photo by Philipp Kämmerer on Unsplash

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The information provided in this post is based on our own experience and in-depth research. The content of this post might be inaccurate. It should not be considered financial, tax, legal, or any kind of advice.

We are not certified brokers or consultants. Always do your own research and contact certified professionals before making any decision.​

We finance our extensive work via affiliate links. Thus, some or all of the links in the post might be affiliate links.

We get money if you click on such a link or conclude a contract with the provider without costing you a cent extra. 

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Travel Insurance Germany

Travel insurance for germany.

Nestled in the heart of Europe, Germany is a country that waltzes between medieval charm and cutting-edge innovation. From the iconic Brandenburg Gate in Berlin to the enchanting Neuschwanstein Castle in Bavaria, every corner tells a story steeped in history and culture. Before you pack your bags and set off for your adventure, let's talk about something important – your travel insurance for Germany. From health coverage to travel hiccups, here's everything you need to know about a travel protection plan to Germany.

  • What should your Travel insurance cover for a trip to Germany? 
  • How does Travel Insurance work for Germany?
  • Do I need Travel Insurance for Germany? 
  • How much does Travel Insurance cost for Germany? 

Our Suggested AXA Travel Protection Plan

  • What types of medical coverage does AXA Travel Protection plans offer?
  • Are There Any COVID-19 Restrictions for Travelers to Germany?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to germany.

At a minimum, your travel insurance to Germany should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
  • Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
  • Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
  • Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
  • Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Germany.

How does Travel Insurance for Germany work?

Imagine this: You're exploring the scenic beauty of the Rhine River when, unfortunately, you fall ill unexpectedly. In need of medical attention, you're relieved to have AXA Travel Protection with the "Emergency Medical Expenses" coverage. The policy offers care for your medical costs, including hospital stays and doctor's fees so you receive the necessary care. In challenging circumstances, AXA stands ready to assist you in developing a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits: 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Germany?

Citizens from non-EU/non-EFTA states like the U.S., Canada, and New Zealand, can enter Germany without a visa, and are not obligated to have travel insurance. Even if you're not required to secure travel insurance, it is still highly recommended. Why? There are several reasons:

  • Medical Emergencies: Given the diversity of activities in Germany, from exploring historic sites to enjoying outdoor adventures, having coverage for unexpected medical expenses allows you to travel with coverage and assistance. This benefit becomes especially crucial in case of illness or accidents, allowing you to access necessary medical care without hurting your pocket.  
  • Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  
  • Lost or Stolen Luggage: While generally safe, tourist destinations in Germany may pose a risk of theft. The "Lost or Stolen Luggage" benefit is important in the unfortunate event of permanent loss or theft of your belongings. It offers reimbursement for the value of your lost items and essential possessions.

How much does Travel Insurance cost in Germany?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

  • Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Germany’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Germany's stunning landscapes in a rental car. Whether you're navigating the slopes of the Bavarian Alps or exploring the ski trails in the Black Forest, AXA Travel Protection's "Loss Ski Days" benefit may offer reimbursement for pre-paid ski tickets in the event of specified slope closures, so you can make the most of your skiing experience in Germany's world-class ski resorts.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

  • Emergency Medical
  • Emergency evacuation & repatriation
  • Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions. Emergency evacuation and repatriation: can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Extends coverage to situations where immediate departure from a destination is necessary for reasons unrelated to medical issues. This can include events such as natural disasters or civil unrest, providing assistance and support during non-medical emergencies.

Are there any COVID-19 restrictions for Travelers to Germany?

Currently, all the COVID-19 entry restrictions for traveling to Germany have been removed. You can now enter Germany for any reason, including tourism and visits, without needing to show proof of vaccination, recovery, or a negative test result.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan , in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Germany?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Germany?

No. Travel insurance is not mandatory for U.S. citizens staying in Germany for less than 90 days. Nonetheless, securing travel insurance is highly advisable. Medical expenses can be significant for non-residents, and having travel insurance is important when you consider the potential costs of prescriptions.

4. What is needed to visit Germany from the USA?

To enter Germany, US passport holders need a valid US passport issued within the last ten years, with at least three months of validity after leaving Germany and two blank pages. Additionally, make sure to have proof of a return ticket.

5. What happens if a tourist gets sick in Germany?

If you become sick in Germany, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Plan for Germany

Traveling or relocating to Germany? Understanding the German healthcare system is vital, as every individual in Germany, even short-term visitors, must have health insurance to comply with regulations. Failure to have insurance may result in visa application rejections. Explore the various types of health insurance available:

  • Essential for individuals requiring a Schengen Visa for short stays in Germany.
  • Covers medical emergencies and accidents during the visit.
  • Ensures compliance with visa application requirements.
  • Mandatory for international students enrolling in German universities.
  • Covers medical expenses and provides clearance from the university.
  • Required for students attending preparatory language courses in Germany.
  • Offers coverage for the duration of language courses.
  • Essential for individuals relocating to Germany for work.
  • Provides comprehensive coverage for up to five years.
  • Ensures financial protection and peace of mind during the stay.

Ensure you have the right health insurance coverage before traveling to Germany to pursue your dreams. From short-term tourists to long-term expatriates, having adequate health insurance is crucial for a smooth and hassle-free stay in Germany.

Travel Health insurance for foreign visitors/tourists in Germany

Planning a trip to Germany or Europe? Whether it’s sightseeing, visiting relatives, attending a business conference, or backpacking through Europe, your first step is to check if you need a Schengen Visa. This visa allows for a “short stay” of up to 90 days in 26 European countries.

To obtain a Schengen Visa, one of the requirements is to have proper health insurance in Germany. Medical insurance is compulsory for all foreigners visiting the country, with a minimum coverage of €30,000 for medical treatment.

The travel insurance for Germany covers medical emergencies or accidents and is easy and affordable to obtain. MAWISTA Visum is a suitable choice for tourists and business travelers seeking travel insurance for visa purposes. Plus, it offers free cancellation if your visa is refused. Ensure you have the necessary health insurance for a hassle-free trip to Germany.

Travel Health insurance for international students in Germany

As an international student in Germany, obtaining health insurance is a crucial step in fulfilling your dream of studying abroad. Student health insurance not only provides you with permission and clearance from your chosen university to start your studies but also covers all your medical expenses.

With the right health insurance, you can focus on your studies without worrying about unexpected medical bills during flu season or other health-related concerns. There are two main types of health insurance plans available for international students in Germany:

  • Most foreign students in Germany are required to hold statutory health insurance, also known as public health insurance.
  • Exceptions to this requirement include guest scientists, post-graduate students, scholarship holders without an employment contract, college students, participants in language courses, students aged 30 or above, and those who have been studying in Germany for more than 14 semesters.
  • Students who fall into the exceptions mentioned above or prefer private health insurance can opt for this type of coverage.
  • While public health insurance is more common, private health insurance offers additional flexibility and coverage options.

Click to Buy from Fintiba – One Platform for Blocked Account + Health Inssurance 

If you choose to obtain health insurance from a company in Germany, it’s essential to carefully review the terms and conditions outlined in their contracts. Protect yourself from potential pitfalls by understanding the coverage details and potential costs involved.

Companies like Mawista have a long-standing reputation in the industry and offer tailored student packages such as the Tariff Mawista Student Classic, which are popular among international students in Germany. These companies provide affordable options and meet the specific needs of students studying abroad.

Please note that proof of health insurance, whether public or private, is required for enrollment at a German university. Ensure you have the necessary coverage to comply with university requirements and enjoy a seamless academic experience in Germany.

Travel Health insurance for language course/preparatory course students

If you’re planning to study or work in Germany and have enrolled in a preparatory language course, having health insurance is a prerequisite for attending the course. In this scenario, statutory or public health insurance is not permitted, and you’ll need to obtain private health insurance in Germany.

Private health insurance for language course or preparatory course students ensures that you are covered for the entire duration of your studies and alleviates concerns about unexpected health issues. This type of insurance offers comprehensive coverage at an affordable price, with basic monthly plans starting at only 33 euros.

With private health insurance, you can focus on your language studies without worrying about your health coverage. This insurance provides peace of mind and ensures that you have access to medical care during your time in Germany.

Travel Health insurance for Freelancers, Employees, and Expatriates in Germany

Germany is not only a desirable destination for visiting or studying, but it also boasts world-class working conditions and offers exceptional benefits to its workforce. If you’ve secured a job and are relocating to Germany, obtaining working health insurance is imperative. Even if you haven’t found employment yet, you can obtain the Blue Card, akin to the U.S. Green Card, allowing you to reside in Germany while seeking employment.

It’s advisable to acquire working health insurance, providing coverage for up to five years and comprehensive protection against emergencies and accidents. This type of health insurance is particularly recommended for expatriates.

For expatriates, it’s crucial to purchase working health insurance before making any other commitments in Germany. Moreover, this insurance is suitable for German citizens traveling abroad, ensuring coverage in any location they visit.

What does a Travel health insurance cover?

Depending on your requirements and circumstances, you will receive various levels of coverage with corresponding fees. Most of the health insurance options outlined in this article offer the following benefits:

  • Hospital treatment and emergency services
  • Medical treatment, including outpatient or dental treatment
  • Provision of walking aids or wheelchairs
  • Transportation to the nearest hospital
  • Coverage for burial or transfer expenses
  • Protection against theft or loss of personal belongings and property
  • Coverage of expenses in case of rescue operations after accidents.

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Health insurance for a German visa or residence permit

Dr. Rob Schumacher

Verified by Dr. Rob Schumacher on November 21, 2023

Rob Schumacher is a health insurance broker and the founder of Feather insurance . We work together since 2018.

This guide explains how to choose health insurance when you apply for a German visa, a National Visa or a residence permit .

What health insurance do you need?

For a tourist visa.

To apply for a tourist visa ( Schengen visa ), you need travel insurance . 1

Your travel insurance must… 2

  • Cover you for at least 30,000 €
  • Be valid in all Schengen area countries, not just Germany
  • Be valid during your whole trip in the Schengen area

HanseMerkur’s Visa Plus travel insurance works well for a Schengen visa application.

If you don’t need a visa to visit Germany , you don’t need travel insurance, but it’s still good to have.

For a National Visa

To apply for a National Visa , you need public , private or expat health insurance .

When you start working in Germany, you must switch to public or private health insurance. If you have a minijob , you can usually stay on expat insurance. 13

For a job seeker visa

If you have never lived in Germany , you need travel insurance or expat insurance .

If you lived in Germany before , you need public , private or expat health insurance . Travel insurance is not accepted. 3 If you come back to Germany, you can get the same type of insurance as before.

When you start working , you must switch to public or private health insurance .

For a work visa or Blue Card

To apply for a work visa or a Blue Card , you need public or private health insurance . If your salary is under 69,300 € per year, you can’t get private health insurance.

If you apply in another country (at the German embassy or consulate), you can get expat insurance to get your National Visa . When you start working , you must switch to public or private health insurance. 1

How to apply for a work visa

How to apply for a Blue Card

For a freelance visa

If this is your first residence permit , you need public , private or expat health insurance . Travel insurance is not accepted.

If you renew or change your current residence permit , you need public or private health insurance . Expat health insurance is rarely accepted. 1

Don’t choose health insurance yourself. It’s a really bad idea when you are self-employed. The best option depends on your citizenship, your income, your health, and your plans for the future. Ask a health insurance broker to help you choose.

How to apply for a freelance visa

For a Working Holiday Visa

To apply for a Working Holiday Visa or Youth Mobility Visa , you need public , private , travel or expat health insurance .

When you start working, you need public or private health insurance. 12 If you have a minijob , you can usually stay on travel or expat insurance. 13

For other residence permits

If this is your first residence permit , you need public , private or expat health insurance .

Travel insurance is not accepted when you apply for a residence permit.

How to choose health insurance

Ask a health insurance broker to help you choose. Their help is free. It’s the best way to choose insurance.

How to choose German health insurance

Expat health insurance options

These insurers usually work:

  • Feather works really well. 10 They have public, private and expat health insurance. They speak English. I got my own insurance from them. I trust them the most.
  • Ottonova works well too. 4 They sell private and expat health insurance. They speak English. They are not the cheapest long-term option. –  My review of Ottonova
  • Care Concept is usually accepted. 5 It’s not the best insurance, but it works.
  • April International 7
  • Allianz Worldwide Care 11

These insurers are less reliable:

  • Mawista Expatcare is not always accepted 8
  • Cigna Global is not always accepted 9

blog.feather-insurance.com   ⤴

schengenvisainfo.com , germany.info , visaguide.world   ⤴

berlin.de   ⤴

facebook.com , facebook.com , facebook.com , facebook.com , facebook.com   ⤴

facebook.com , reddit.com/r/berlin , facebook.com , facebook.com   ⤴

facebook.com , reddit.com/r/berlin , facebook.com   ⤴

facebook.com   ⤴

facebook.com , facebook.com , facebook.com , medium.com , reddit.com/r/berlin , facebook.com , facebook.com , facebook.com , facebook.com   ⤴

Confirmed by a Cigna employee (2022), m.facebook.com   ⤴

Rob Schumacher at Feather (November 2023), personal experience (2015)  ⤴

Rob Schumacher at Feather (November 2023)  ⤴

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Health Insurance Plus

German health insurance package for internationals.

Public and Private Health Insurance

Personalized coverage for your visa and stay in Germany. Get peace of mind at affordable rates.

  • Free Travel Health Insurance worth up to €95 3
  • Award-winning insurance cover 4,5
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Securing your health insurance coverage has never been easier.

Overcome German bureaucracy and  relocate worry-free with us!

To live in Germany, you are legally required to have health insurance. To make this as simple as possible for you, we've crafted a special bundle designed with internationals in mind. Not only will you get the necessary coverage for your visa application (and university enrollment), but you will also be covered for your entire stay in Germany .  Our free Travel Health Insurance 3 (also known as Incoming Insurance) is accepted by all German authorities to secure your visa - ensuring a smooth visa process.

Expatrio's Health Insurance Plus package

The type of coverage you need for your stay in Germany will depend on your profile. Our Health Insurance package ensures you get the right type of protection with some of the best providers in the German market : TK, our public health insurance provider, and DR-WALTER, our Travel Health and private health insurance provider.

  • Travel Health/Incoming Insurance , free for eligible customers up to 92 days, with DR-WALTER 3
  • Public health insurance with Techniker Krankenkasse (TK)
  • Private health insurance with DR-WALTER
  • Comprehensive coverage incl. live doctor chat provided by your insurer

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Benefit from instant confirmation and free perks

Expatrio's Health Insurance Plus offers you free Travel Health/Incoming Insurance 3  and instant confirmation .

Just like we offer customers a fast way to secure their proof of sufficient funds for your German visa, we also offer a quick health insurance confirmation for both with our Value Package and Health Insurance package.

Save money and benefit from our fully online and simple process! Get easy access to detailed information about your health insurance and other Expatrio services on your Expatrio User Portal.

Access the best providers in the German market

Securing your health insurance coverage with German providers can be a challenge. With Expatrio, you can bypass the endless German bureaucracy and language barrier. We do the hard part for you. Connect to the best providers 4,5 to insure you from day one of your stay in Germany.

  • Travel Health/Incoming and private health insurance with DR-WALTER , awarded five times a Star Insurance provider. 5
  • Public health insurance with Techniker Krankenkasse (TK) , elected 17 times in a row as the best German public health insurance and the best health insurance fund for students. 4

health-insurance-best-providers-illustration

Expatrio Value Package

Simplify your move to Germany with Expatrio's Value Package! Get your mandatory Health Insurance, Blocked Account, free German Bank Account, plus other free benefits!

Learn more about Health Insurance in Germany

Health Insurance is mandatory for everyone living in Germany and a prerequisite for obtaining a German visa.

Why do internationals need health insurance coverage when coming to Germany?

Everyone living in Germany is required by law to have healthcare coverage . University students aged under 30 are usually eligible for public health insurance. Language school students, preparatory course students ( Studienkolleg ) , PhDs, guest scientists, and university students aged 30+ may have to secure private health insurance coverage.

Activation needed

Your health insurance needs to be activated once you arrive in Germany. Add this item to your arrival to-do list to avoid future hurdles!

Expatrio's Health Insurance is personalized

It offers you exactly the type of coverage you need depending on your profile .

Generally,  university students aged under 30  receive:

  • Travel Health/Incoming Insurance , free for up to 92 days, with DR-WALTER 3

Students aged 30 and over , non-university students, and all of those who are not eligible for public health insurance receive:

How does the Health Insurance package work?

Apply online.

Fill in our online application form to secure your health insurance coverage.

Receive confirmation

Download your Travel Health Insurance (also known as Incoming Insurance) confirmation for your visa appointment.

Once in Germany, activate your health insurance to be covered for your new life!

"Expatrio made everything easier for me, from being informed to going through the blocked account process, getting health insurance that was not rejected by the immigration offices and not having any problems at the airport."

Karla Morales

Graduate from Medical School

testimonials-karla-story

Personalized coverage for your visa and stay in Germany

  • Free Travel Health/Incoming Insurance for your visa worth up to €95. Accepted by German authorities worldwide. 3
  • Best public German health insurance: Techniker Krankenkasse (TK). 4
  • Awarded private health insurance: DR-WALTER 5
  • Extensive coverage incl. vaccinations
  • Doctor appointment service & live chat via your insurance provider

Know more about your health insurance providers

At Expatrio, we only work with partners who share our passion for supporting internationals relocating to Germany. The health insurance providers Techniker Krankenkasse (TK) and DR-WALTER are our chosen partners to bring you the best health insurance coverage. 4,5

Learn more about Techniker Krankenkasse

TK is our public health insurance partner. From your studies or work start date, you will be covered by   Techniker  Krankenkasse (TK) . Public health insurance is a also known as Statutory Health Insurance or even Governmental Health Insurance.

According to Focus Money, TK is the   best German statutory health insurance fund   (public health insurance) and the best health insurance fund for students. 4  Their service comes with many advantages, such as vaccinations, cashback opportunities, and a convenient digital doctor appointment service.

partner-techniker-krankenkasse

Learn more about DR-WALTER

For your visa and arrival in Germany, you will need a special type of coverage called Travel Health Insurance. You might also know this as: Incoming Insurance, Private Travel Insurance, or Schengen Health Insurance. Getting this coverage is mandatory. If you are a student, you will be covered by this health insurance until your studies at a university or a university of applied sciences start.

If you are participating in a language course, or preparatory studies ( Studienkolleg ), you will have this private health insurance for the duration of your course.

Our partner for private health insurance is   DR-WALTER , a specialized broker with over 60 years of experience in the insurance market and awarded as a   Star Insurance provider . 5

partner-dr-walter

Get your Health Insurance

With our Health Insurance Plus you will benefit not only from excellent healthcare coverage, but also from additional benefits specially chosen for you.

Experience the ease of Expatrio

Your All-in-One relocation to Germany app.

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A comprehensive guide for international students

What does the Health Insurance Plus package include?

The Health Insurance Plus package provides holistic insurance coverage for your stay in Germany. It includes Travel Health/Incoming Insurance and health insurance for your time in Germany. You will also get your ISIC card included if you are a student.

How much do I pay for Health Insurance Plus package in total?

The only item within the Health Insurance Plus package that you need to pay for is your health insurance. The cost of the insurance depends on your profile (your age, number of children, etc.). The rest of the items within Health Insurance Plus are free.

What is the difference between Health Insurance and Health Insurance Plus?

The difference between the health insurance by itself and the Health Insurance Plus package is that by ordering Health Insurance Plus you receive other included benefits, such as Travel Health/Incoming Insurance and choice of our recommended Bank Accounts. Basically, by choosing Health Insurance Plus you pay the same price but receive additional services for free.

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Find eBooks, reports, checklists, and many more resources to help you with your life in Germany.

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[*] Up to €249 savings consists of: €49 cashback on Blocked Account set-up fees + up to €90 TK-Flex cashback + free travel health insurance worth up to €95 + free digital ISIC card worth up to €15. This offer is only valid for customers who apply for the Value Package. Expatrio reserves the right to cancel this promotion at any point in time.   Special terms and conditions   apply.

[1] Value Package customers can receive their €49 cashback after activating both their Blocked Account and Health Insurance.

[2] TK-Flex is an elective tariff and only available for eligible TK health insurance customers. Once the TK membership is activated, TK-Flex can commence. Expatrio will provide the customer with detailed guidelines on how to do this. Within TK-Flex, users have the option to deselect/opt out of services they do not need. In return, there is a cashback bonus of up to €90 per year. However, if the services are needed after all, TK customers can reactivate their health insurance coverage by paying a deductible of €24 per service (up to €120) per year. Please refer to our   TK-Flex page   for more information. 

[3]  Free Incoming/ Travel Health Insurance coverage for up to 92 days as part of the Value Package for eligible customers worth up to € 95.00.

[4] In the issue 07/2023, Focus-Money business magazine awarded TK “Best Student Health Insurance Fund”.

[5] DR-WALTER has been awarded the Super Star Award by the Study Travel Magazine.

[6] Without a Residence Permit, you will have temporary access to your Bank Account. By uploading your Residence Permit within the specified time frame (approximately 6 months) you will get permanent access to your Bank Account and all of the amazing benefits that come with it.

[7 ] Only available to selected countries.

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Germany – Visitors Insurance and Safety Advice

Safety and travel insurance advice for germany.

Flag of Germany

Before you get swept up in all the magnificence Germany has to offer, below is an overview of the most important healthcare, insurance, and safety information that short-term and long-term visitors need to know to make the transition as smooth as possible.

Related:  International Health Insurance in Germany for Foreigners

Common Safety Tips for Visitors to Germany

Germany is a relatively safe country to travel in, and crime rates have continued to drop in recent years. As always, foreigners need to stay alert and be on the lookout for pickpockets and thieves, especially near popular tourist areas like train stations, museums, and hostels. Be sure to protect all of your personal belongings, and leave your valuables and physical passport at home or in the hotel. Carry a copy of your passport with you at all times and never the actual booklet.

Futbol (soccer) is incredibly popular, but fans can turn sour pretty quickly if their team loses a game, so be aware of and avoid possible riots and angry mobs, as foreigners can be easy targets for them.

Intense heat and dehydration are typical, especially during the summer season, so be sure to drink lots of non-alcoholic liquids and stay hydrated during your travels.

Know your embassy and bank contact information in case of emergencies, including addresses and phone numbers. There is a U.S. Embassy located in Berlin for any mishaps with your passport, travel, or your safety as a U.S. citizen. Keep notes on what to do if you lose your passport or if your wallet or purse is stolen to make the replacement process as simple as possible.

Read:  The 11 Best Cities to Work in Germany for Expats

German Health Care System and Types of Insurance

The German Healthcare System is excellent, one of the best in the world. There are three options for health insurance during your stay in Germany: public government-regulated public insurance, private insurance from a German or international company, or a mix of the two. Long-term travelers would benefit from global medical insurance the most, while short-term travelers would be covered under travel medical insurance plans . Both are excellent options to cover healthcare in Germany for visitors.

You must have insurance and support documents to obtain a visa or a residence permit. Different types of visas may have different insurance requirements, so be sure to confirm the requirements for the specific type of visa you need. Longer-term visitors will likely need a Schengen Visa for entry into Germany and other European countries.

Learn more about Schengen Visa Insurance Requirements .

Around 85% of the population is covered by the public insurance system and 10% by private companies. Public officers, self-employed persons, and individuals earning above 50,000 Euro qualify for private healthcare, although most choose to stay in the publicly financed system. Many insurance providers will take your age into account, which can increase premiums and reduce benefits at milestone ages of 60, 65, and 70 years old. Other policies may limit the amount of travel time you get to your home country; often the maximum is 30-60 days.

When you arrive for a long-term stay, you should take the time to find a primary physician ( Your International Health Insurance provider can help you find high-quality providers locally ) and schedule a routine checkup. This will familiarize you with your doctor’s office and could make other medical appointments go smoothly in the future, especially for families with children. Depending on location, it may be difficult to find a doctor that speaks fluent English. Most embassies have a list of English-speaking doctors that you can request, however, the availability of these physicians will vary. Knowing your doctor ahead of time can make it easier down the road, especially for sick leave, which requires a doctor’s note. German companies give employees unlimited sick days. It would be wise when making an appointment to ask the receptionist when is the best time to come in, however you should still be prepared to wait before seeing someone, especially if the public insurance plan. Additionally, it is a German custom to greet other patients in the office and say goodbye to them before leaving.

Find the Best International Hospitals in Germany

Otherwise, students and more short-term visitors may be better off using a private insurance company that caters to international travelers. These policies will cover areas specific to the expatriate lifestyle and are often less expensive than German providers. Students especially should research their options, as discounted plans are common.

Visitors Insurance for Travel to Germany

Health insurance for foreigners visiting germany.

Trawick

Safe Travels Voyager

  • Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
  • Cancel for Any Reason available
  • Up to $250,000 in emergency medical coverage

WorldTrips Atlas travel insurance

  • Emergency medical, evacuation, repatriation benefits
  • Choose between the basic and more extensive coverage
  • Meets Schengen visa insurance requirements
  • 24/7 worldwide travel and emergency medical assistance

International Health Insurance for Expats Living in Germany

Cigna Global Logo

Cigna Global Insurance Plan

  • The flexibility to tailor a plan to suit your individual needs
  • Access to Cigna Global’s trusted network of hospitals and doctors
  • The convenience and confidence of 24/7/365 customer service

Germany’s network of pharmacies is broad, and they are marked by a big red “A” for Apotheken . Pharmacies are open from 9 am-6 pm Monday to Friday, and 9 am-12 pm on Saturdays. Prescription medication is sold by company name, rather than the active ingredients as in the US. Doctors in Germany tend to prescribe the most expensive brand, so ask the pharmacist if there is a cheaper generic medicine available. Also, instructions for dosage do not come on the package, so be sure to ask your doctor and take note of how much and how often you should be taking the medication.

Emergency Numbers in Germany

  • Police – 110
  • Ambulance – 112
  • Fire Service – 112

Vaccines and Diet Consideration When Visiting Germany

Currently, Germany has no vaccine requirements. However, the World Health Organization (WHO) recommends that all travelers be covered for standard vaccinations regardless of destination.

German food can be entirely different from your home country and may affect your digestion. The cuisine is fairly heavy, containing meat, potatoes, and heavy noodles. Be prepared for the changes your body could incur from this type of diet and take the necessary precautions. Additionally, visitors sometimes have problems with alcohol and tobacco intake, as these activities are common and cultural. Make a plan to moderate your drinking and smoking, so no issues arise during your stay.

Prepare for Travel to Germany

Nothing can ruin a vacation quite like unexpected medical occurrences, so the more prepared you are to handle anything that comes your way, the better you will be able to get through it and concentrate on the more important stuff, like a Bavarian cream pie, luxury sports cars, and touring key world history sites!

Travel Insurance for Foreigners Visiting Germany

  • Immigrating to and Becoming an Expat in Germany

Visa Insurance Advice:

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Top Travel Insurances for Germany You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A major destination in the heart of Europe, Germany is a country with a fascination history and culture. It's known for its charming old towns, vibrant modern city life, beer and bratwursts, and world-class museums. Although travelling to Germany can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Germany and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Germany Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Germany:

Best Travel Insurances for Germany

  • 01. Should I get travel insurance for Germany? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to Germany scroll down

Heading to Germany soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Germany?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Germany. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Germany or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Germany:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Germany. It lets you choose between various plans tailored to meet the specific needs of your trip to Germany, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote 🡪

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Germany:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Get a quote 🡪

  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get a quote 🡪

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Germany? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Germany

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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The Guide to Travel Insurance for Trips to Europe

Carissa Rawson

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

travel health insurance for germany

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How travel insurance works

How to choose between travel insurance companies, best plans for health insurance while traveling in europe, other tips for travel and medical insurance in europe, which credit cards offer europe travel insurance, travel insurance for europe recapped.

Traveling abroad can be an exhilarating adventure, especially when you’re heading to Europe. Whether you’re in the mood for an eclair or want to take in the Colosseum, making your way over to Europe involves a lot of moving parts.

That’s why travel insurance can be so beneficial. With protections such as trip delay reimbursement and coverage for lost luggage, travel insurance can help make sure your trip stays smooth.

What’s more, several plans include travel health insurance in Europe, so you can worry less about whether that hike through the Alps is a good idea.

Let’s take a look at travel insurance in Europe as well as other coverage options for your vacations.

Because a lot of thought, money and effort go into planning and taking a vacation, protecting your investments (and yourself) with travel insurance can make the difference between an enjoyable memory and a disastrous anecdote you tell at mealtimes.

Travel insurance can cover a variety of things, including:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

Trip cancellation, trip delay, trip interruption and lost luggage insurance are all sources of protection when you travel, especially on airlines. These can reimburse you for nonrefundable expenses you miss out on due to covered delays, and may pay you back for costs you end up incurring (including lodging, meals, toiletries and clothing).

Although it’s possible to get standard health insurance for trips abroad, it’s much more common to get coverage for emergency care, which includes protections for unexpected injuries and illnesses.

Health insurance for European travel is usually included with a standard travel insurance policy, but there are plan limits and there may be deductibles.

It’s also possible to purchase medical-only travel insurance from certain providers if you aren’t interested in other trip protections.

» Learn more: How to find the best travel insurance

Before you start shopping for travel and medical insurance in Europe, evaluate the level of coverage you need based on your age, health, trip duration, destination and planned activities (some adventure sports aren't always covered). Compare plans from different providers, paying attention to coverage, benefits and prices.

Here's a short list of factors to consider:

The cost of the policy. 

The limits of the plan.

Whether there are deductibles.

Whether the benefits are primary or secondary.

Where you’re going. 

How long your trip is.

Whether you already have insurance that’ll cover you.  

The types of activities you’ll be doing. 

An insurance aggregator like InsureMyTrip or Squaremouth (a NerdWallet partner) can streamline your shopping experience. Be sure to also read reviews and ratings of individual travel insurance companies to get an idea of customer service and claim resolution processes.

» Learn more: The best travel insurance companies

To figure out the best plans for travel and health insurance in Europe, we generated quotes from multiple travel insurance companies using a test scenario. For this example, we used a 37-year-old Nevada resident traveling to Germany for 11 days with a $4,000 trip cost. Here are the winners.

GeoBlue’s Voyager Choice medical insurance for European travel sits head and shoulders above the rest for cost, at only $28.16.

That said, there's a reason it is so affordable. This plan offers coverage only for medical emergencies and lacks other trip protections. It is a good option if you want to supplement existing travel coverage (say via your credit card ) with more medical coverage.

$1 million in medical coverage.

$0 deductible.

Offers direct billing.

No trip protections.

Pre-existing condition coverage requires that you have domestic health insurance.

Can only purchase plans up to six months in advance of your trip. 

» Learn more: Read our full GeoBlue travel insurance review

IMG’s iTravelInsured Travel SE’s comprehensive plan includes both trip protections and health insurance for Europe travel and rings in at just $135.36.

At this price point, it provides excellent primary coverage for medical insurance, offers rental car insurance and includes superior trip interruption reimbursement.

$250,000 in medical coverage.

$40,000 in rental car insurance. 

Pre-existing conditions covered. 

Travel delay reimbursement kicks in after 12 hours. 

Baggage loss is capped at $250 per item and $1,500 total.

More expensive than other options. 

» Learn more: Read our full review of IMG travel insurance

3. Detour Insurance

The Detour Insurance @The Edge insurance plan is aptly named. Costing $86.90, the plan offers a unique inclusion for the costs of search and rescue, which can provide peace of mind if you're participating in backcountry adventures.

$1 million limit for medical evacuation. 

Coverage can be extended. 

$10,000 for search and rescue. 

No rental car insurance. 

Pre-existing conditions not covered. 

$50,000 limit for 24-hour accidental death and dismemberment (AD&D) coverage. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

4. Trawick International

Trawick International’s Safe Travels Protect plan includes primary medical coverage as well as a wide range of trip protections. At $100.03, it even covers cancellations for medical reasons.

$25,000 in emergency medical coverage.

100% for both trip cancellation and trip interruption. 

Medical quarantine coverage included. 

$100 medical deductible.

$500 lost luggage limit (not a great fit if you are packing several valuables).

Doesn’t cover pre-existing conditions. 

» Learn more: Read our full Trawick International review

Do you have a travel credit card ? Many of these cards offer complimentary travel insurance as a part of their benefits. 

The plan you select may offer secondary coverage, but this matters only if you have existing insurance. In its absence, secondary coverage becomes primary. 

Look at your existing health insurance policy. Some plans will provide emergency coverage for you when traveling internationally. 

If you’re planning on heading for the Dolomites or other European mountains for winter sports, be sure that your travel insurance covers adventure activities; not all do. Travel insurance can rescue a ski or snowboard trip , but read the fine print to see what exclusions apply before you purchase a policy. 

» Learn more: 5 tips before buying Schengen visa travel insurance

If you’re looking for insurance when traveling to Europe, you may already have it without knowing. Many travel credit cards offer complimentary travel insurance.

Available types of insurance can include rental car insurance, emergency medical insurance, trip cancellation reimbursement, lost luggage protection and trip delay insurance.

Here are some of the best credit cards for travel insurance:

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Capital One Venture X Rewards Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

• Trip delay: Up to $500 per passenger for delays more than 6 hours.

• Trip cancellation: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

• Trip interruption: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

• Lost or damaged luggage : Up to $3,000 per passenger.

» Learn more: How to choose a credit card for Europe travel

Staying safe is important during your trip to Europe. Health insurance for travel can make a difference, especially if you’re planning on doing anything adventurous. The same can be said for other trip protections, which reimburse you for covered expenses that you incur.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Do I need travel insurance to visit Germany?

Reasons you should get travel insurance for germany, more info on the top germany travel insurance plans, chow much does travel insurance for germany cost, what types of travel coverage do i need for germany, what isn’t covered by travel insurance, tips for getting the best travel insurance for your germany trip, germany travel information & requirements, germany travel insurance faqs, related topics.

Travel Insurance for Germany: Top Plans 2024

Leigh Morgan

  • Your U.S. health insurance won’t typically work in Germany , so it’s a good idea to have travel health insurance at a minimum.
  • Travel insurance for Germany costs around $8-$10 per day for comprehensive coverage, but basic travel medical plans can be even cheaper.
  • In addition to medical emergencies , comprehensive travel insurance will also usually cover trip delays, cancellations, and interruptions, as well as medical evacuation and lost or stolen baggage.
  • Our top picks for travel insurance for Germany come from Seven Corners, John Hancock Ins Agency, Travel Insured, Trawick International, and IMG . (skip ahead to see these plans)
  • We recommend using an online comparison tool to compare multiple quotes and coverage options all in one place.

Our top picks for the best germany travel insurance

  • Trawick International: Best for Medical Evacuation Coverage
  • Seven Corners: Best Value for Robust Coverage
  • Travel Insured International: Covers Pre-Existing Conditions
  • John Hancock Insurance Agency, Inc.: Best Coverage for Seniors
  • IMG: Best for Adventure Sports
  • Tin Leg: Best Overall Value

Our top picks for the best travel insurance for Germany

Trawick international, seven corners, travel insured international.

Even if you don’t need it to get a visa, you should consider buying travel insurance while visiting Germany as U.S. health insurance won’t cover you while abroad .

Travel insurance for Germany isn’t mandatory for stays lasting 90 days or less.

If you plan to stay for more than 90 days, you’ll need a Schengen visa. When you apply for this type of visa, you must prove that you have travel insurance with €30,000 minimum coverage for medical expenses. Your travel insurance must also cover the cost of repatriation if you have to end your trip early.

Here are some of the reasons you should get travel insurance for visiting Germany:

Safety on Autobahn highways

Germany is famous for its ultra-high-speed highways known as the Autobahn. While traveling on the Autobahn can be thrilling to visitors, it also poses safety risks for those unaccustomed to traveling at high speeds and driving in a foreign country where rules may be slightly different . In light of this, travel insurance with medical assistance and rental car coverage is an easy way to help you mitigate risks that could arise from accidents or damage to you or the vehicle while driving in Germany.

Hazards in the Bavarian Alps

The Bavarian Alps in Germany offer stunning landscapes for hikers, climbers, skiers, and more, making them one of the most popular areas to visit in Germany. However, the Alps areas are prone to natural hazards like avalanches and flash floods, as well as safety risks due to the adventure and sports activities typically enjoyed in this region. Travel insurance for medical emergencies, medical evacuation, and adventure sports coverage is key to staying fully covered while enjoying all the Alps have to offer. Not all plans cover adventure activities, so it’s important to compare plans before buying.

Weather disruptions to travel plans

Germany is located in Central-Northern Europe where the weather can be harsher than other countries like Spain or Portugal. Depending on when and where you visit Germany, you may experience unexpected rain or snowfall. It’s important to remember that weather is one of the main factors that can alter travel itineraries and lead to cancellations or delays. Opting for a travel insurance plan that covers delays, cancellations, interruptions, and more can help you minimize the inconvenience and financial risk associated with weather-related trip disruptions.

Public transportation

One thing people love when visiting Germany is how easy it is to get around. Whether you plan to stay in one city, move around the country, or visit neighboring countries, German public transportation is convenient and quite reliable. That said, there can be occasional interruptions due to maintenance, accidents, and strikes. Apart from this, if you aren’t familiar with using public transport it could cause disruptions in your travel itinerary. It’s important to be prepared for using public transport in Germany and to be covered for all possible scenarios. Travel insurance can cover expenses related to missed connections, delays, interruptions, and finding alternative transportation arrangements if needed.

Terrorism concerns

Like other major European countries, Germany has faced rising security concerns due to terrorist activities in recent years. One well-known event was the attack on Christmas Markets in 2016. While these events are rare, it’s important to take them into account and prepare for them when traveling. Most travel insurance policies can cover you in case of evacuations, emergency medical assistance, cancelations, or interruptions due to terrorist activities. Therefore, it makes sense to buy a comprehensive travel insurance plan and stay covered while you travel.

Theft at popular cultural events

Germany is home to world-famous cultural events like Oktoberfest and Christmas markets. These events are usually quite crowded and attract tourists from all over the world. As a result, they are often the target of choice for thieves and pickpockets . Travel insurance can reimburse you for personal items that are lost, stolen, or damaged while traveling. While it may not replace the sentimental value of your belongings, having the cost covered can mean the difference between ruining your trip or allowing you to pick up the pieces and enjoy the rest of your travels.

Best for Medical Evacuation Coverage

Why We Like It

Editor's take

The Safe Travels Voyager plan from Trawick International is one of the most highly rated plans on our list. This plan’s high coverage limits make it an attractive option for anyone traveling to Germany. The plans primary medical coverage comes in at $250,000 and its medical evacuation coverage tops a hefty $1 million - covering nearly all medical evacuation possibilities

The Safe Travels Voyager plan also offers both trip cancellation and trip interruption covering 100% and 150% of the costs respectively. This plan provides coverage for both domestic and international acts of terrorism and optional coverage to cancel your trip for any reason.

Travel delay coverage comes in at $3,000 and it also offers $2,500 per person and $300 per item, on any baggage delays and loss.

  • Excellent medical coverage limits
  • Up to $2,500 baggage coverage included
  • Covers quarantine accommodation expenses
  • Baggage delay coverage only kicks in after 8 hours
  • CFAR only covers 75% of the insured trip cost

Best Value for Robust Coverage

Seven Corners’ Trip Protection Choice coverage is one of the most robust plans available for its relatively low cost. Comprehensive primary medical coverage comes in at $500,000, covering you for nearly all unforeseen medical emergencies. Complimenting this is Trip Protection Choice’s $1 million in medevac and repatriation coverage, some of the highest levels of medevac coverage on the market.

Along with medical coverage, this plan also offers non-medical evacuation coverage, trip cancellation, interruption, and delay coverage. This complements further clauses such as accidental death & dismemberment coverage, and baggage damage.

Read our full review

  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment
  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Covers Pre-Existing Conditions

The Worldwide Trip Protector plan from Travel Insured International is another pan on our list that is perfect for those traveling with a pre-existing condition. Pre-existing conditions are automatically covered with this plan if the coverage is purchased within 21 days of the trip deposit.

This plan is also renowned for its 100% coverage of the insured trip cost due to cancellation and 150% of the insured trip cost due to interruption. The Worldwide Trip Protector plan will pay out $1,500 for trip delays and $500 for baggage delays - simply after only 3 hours’ worth of delays.

Medical coverage from the Worldwide Trip Protector plan is also an attractive perk. This includes $100,000 worth of medical coverage and 1 million worth of evacuation coverage.

  • Travel delay coverage kicks in after just six hours
  • Generous $150,000 non-medical evacuation coverage
  • 24/7 emergency travel assistance included
  • CFAR and IFAR coverage not included
  • Baggage delay coverage only kicks in after 12 hours
  • No rental car coverage

Best Coverage for Seniors

John hancock insurance agency, inc..

John Hancock’s Gold plan is a fantastic insurance plan for those with pre-existing conditions looking to travel to Germany. Automatically included in the coverage, this plan allows elder travelers to be free from the stresses of pre-existing conditions that may hinder them with other providers. Alongside this perk, the Gold plan also offers both trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost.

John Hancock’s Gold plan provides top-of-the-range coverage when it comes to all things medical. This plan offers medical emergency coverage worth up to $250,000 and $1 million in coverage for emergency medical evacuation and repatriation of remains - some of the highest across the market.

  • Travel delay coverage kicks in after just three hours
  • Generous coverage for emergency evacuation and repatriation of remains
  • Optional CFAR upgrade available
  • Baggage insurance comes with generous limits of up to $2,500
  • Terror attack coverage included
  • Baggage delay coverage requires a 12-hour waiting period

Best for Adventure Sports

IMG’s iTravelInsured Travel LX Basic plan is a great selection of coverage for those vacating in Germany. Its medical coverage worth $500,000 is a figure that covers you for most medical emergencies and being a primary coverage, you will not end up out of pocket while receiving your care. Medical evacuation coverage is a fantastic $1,000,000 per person and there is also an added bonus of $50,000 worth of non-medical evacuation coverage included.

Those partaking in sports and leisurely activities throughout their German vacation will be pleased to know that IMG’s iTravelInsured Travel LX Basic plan provides a wide range of sports-related coverage. This includes sports equipment delay coverage worth $2,000 and $10,000 worth of search and rescue coverage.

  • 10-day money back guarantee
  • Generous limits for trip delays, emergency evacuation, and more
  • Coronavirus-related medical expenses covered
  • Rental car coverage included
  • Recently developed pre-existing conditions may not be covered
  • CFAR and IFAR coverage only available as an add-on with premium plans

Best Overall Value

Tin Leg

  • Excellent primary coverage for medical expenses
  • High limit for emergency evacuation coverage
  • Optional cancel for any reason (CFAR) coverage available
  • Comes with coverage for hurricanes and inclement weather
  • Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
  • Baggage delay coverage requires a 24-hour waiting period
  • Low coverage limits for baggage and personal effects

According to official sales data from Squaremouth , travel insurance for Germany costs, on average, around $317.77 for an average trip.

Based on our own official sales figures over the past year, our customers paid an average of $303.40 for travel insurance to Germany.

Travel insurance for Germany costs around $8 to $10 per day for a comprehensive plan that includes coverage for things like cancellations and delays. However, cheap travel insurance plans can often cost around $1 per day for the basic coverage.

To give you insight into the cost of actual plans, we got quotes from three popular providers for a trip to Germany.

This table displays three quotes for basic medical travel insurance plans.

If you want your policy to include things like trip cancellation and interruption coverage, you will need to purchase a more comprehensive plan such as the ones below.

For the following table, we have quotes for plans that reimburse you if your trip to Germany is canceled or interrupted.

Please note that these are taken from a hypothetical quote. Actual plan costs may vary and will depend on your own unique circumstances.

Keep in mind that many factors affect the cost of travel insurance:

  • Trip length: If you plan to visit Europe for a few days, you’ll pay a lot less for insurance than someone who plans to stay for a month.
  • Age: Health insurance typically gets more expensive as you get older. This is because older people are more likely to develop serious health conditions. As a result, older people pay more for their coverage.
  • Trip cost:   The longer you plan to be a tourist in Europe, the more you’ll pay for insurance. This is because the insurance company will have to reimburse you a larger amount of money if your trip is canceled or interrupted.
  • Coverage limits:   If you choose an insurance plan with high coverage limits, you’ll pay more than you would for a no-frills plan.

The above quotes were found using trip parameters for a 35-year-old visiting Germany in September 2024, for a 7-night trip costing $2,000.

We recommend opting for comprehensive travel insurance when visiting Germany. This will give you medical coverage plus protections from other things like delays, cancellations, and more.

Travel insurance plans for Germany can be broken down into two categories:

  • Medical-based travel insurance 
  • Comprehensive travel insurance

What is included in your overall travel insurance coverage will depend on the type of policy you purchase.

Medical-based travel insurance

The most rudimentary level of travel insurance for Germany should be medical-based. A basic medical insurance policy is often the cheapest level of insurance you can buy. Travel health insurance for Germany will cover you during your trip should you fall ill or require emergency medical treatment. 

Government medical insurance such as Medicare, Medicaid, and private US insurance will not be valid in Germany. Therefore, having no medical insurance will leave you picking up the bill should the worst happen during your trip.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

  • Emergency medical insurance: At the very minimum, we recommend purchasing a travel insurance policy that covers medical emergencies. This type of coverage will protect you should you require any hospital treatment such as blood tests, IV fluids, and other types of medical care.
  • Medevac insurance: If you are planning to visit remote locations throughout your Germany vacation such as the Bavarian Alps, medical evacuation insurance is a must. This part of the policy will cover you should you need transport to the nearest suitable medical facility in an emergency.

Medical plans will not cover you for far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this added extra, you should opt for a far more comprehensive travel insurance plan.

Comprehensive travel coverage

When purchasing a travel insurance policy, you will have the option of choosing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. If you require coverage for such things as trip cancellations , trip interruptions, travel delays, and the loss of personal items, you should purchase a policy that covers trip cost reimbursement. 

Your vacation to Germany may be interrupted or canceled based on unforeseen events such as a terrorist attack, social unrest, or extreme weather conditions. If this is the case, you will need to buy a policy that offers cancellation and interruption coverage for prepaid, nonrefundable expenses to claim your money back.

Optional Add-ons

Some travel insurance policies for Germany will offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance with your travel insurance to Germany will allow you far more flexibility should you change your travel plans.

In most circumstances, travel insurance policies will exclude coverage for the following circumstances:

  • Claims resulting from illegal activities
  • Claims related to medical tourism
  • Injuries resulting from intoxication from drugs or alcohol
  • Cancellations due to fear COVID-19 ( See COVID-19 travel plans )

Other than these highly obvious reasons, some travel insurance providers will also include restrictions for the following situations:

  • Pre-existing medical conditions: Unless you have a waiver included in your travel insurance policy, most providers will not offer coverage for a pre-existing condition . To qualify for this waiver, you must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
  • Adventure sports: General travel insurance plans will not include coverage for adventure sports that can result in injury. This includes activities and sports such as skiing, rock climbing, and other adventure activities. If you do plan to take part in activities such as this during your Germany trip, you must purchase coverage that includes these sports.
  • Pregnancy-related care: Basic travel insurance policies will not cover you for regular wellness care and a normal delivery during pregnancy. However, emergency care that you require while traveling while pregnant may still be covered.

Even if you don’t need a visa, getting German travel insurance has many benefits. To find the best travel insurance at the best price, follow these tips:

  • Shop around: Compare costs before you commit to a specific health insurance or general travel insurance provider. You may be able to get the same coverage for a fraction of the price that other companies are charging.
  • Use common carriers: Remember, trip delay insurance only works if you’re delayed while traveling via a public airline, passenger railway, or another common carrier.
  • Opt for a comprehensive package: Look for one that includes health insurance, trip cancellation insurance, trip delay insurance, and coverage for lost, stolen, and damaged baggage. If you plan to rent a vehicle, consider adding rental insurance.
  • Review your itinerary:   If you plan to participate in any risky activities, such as skiing or ziplining, you may need to purchase additional coverage.
  • Determine how much flexibility you need: If there’s a good chance your plans will change once you get to Germany, you may want to pay more for higher coverage limits.

The table below shows key information you should know before traveling to Germany:

Do I need a visa or passport to visit Germany?

You must have a passport with at least two blank pages to visit Germany. You don’t need a visa unless you plan to stay for more than 90 days. In that case, you’ll need a Schengen visa.

Are there COVID-19 restrictions for U.S. travelers?

According to the German Missions in the United States , Germany has lifted all travel restrictions related to COVID-19. This includes vaccination and testing requirements. Recent reports from the CDC have shown that COVID cases are on the rise, you should therefore consider having a COVID travel insurance policy in place, just in case you fall ill during your vacation.

Is Germany a Schengen country?

Yes. It’s one of 27 countries in the Schengen Zone , a border-free area that allows people to move around without having to go through border checks while crossing from one country to another.

Is it safe to travel to Germany?

The U.S. Department of State has issued a Level 2 advisory due to heightened safety and security risks.

You need travel insurance if you plan to stay in Germany for more than 90 days. Otherwise, this type of insurance is optional.

How much is travel insurance for Germany?

Based on the seven quotes we received, German travel insurance costs an average of $282.55 for a 7-day trip.

What should I look for in a Germany trip insurance policy?

Look for comprehensive insurance that covers a wide variety of scenarios, including cancellations, delays, lost or stolen baggage, medical emergencies, and medical evacuation.

Is German health care free for Americans?

No. Americans aren’t eligible for the free health care provided to German citizens

About the Author

Leigh Morgan

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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  • Netherlands
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  • Travel insurances
  • Travel health insurances

Travel health insurance

Optimal cover – with the excellent foreign travel health insurance.

Eine Frau und ein Mann sind in einer Stadt. Er nimmt sie Huckepack und sie gibt ihm einen Kuss auf die Wange.

Foreign travel health insurance

  • Return transportation included
  • No deductible
  • Treatment as a private patient

(sample pricing, per trip, duration 10 days, without USA/Canada, up to 65th birthday)

Tariff overview

  • Calculate price
  • Key insurance benefits
  • Book directly

Your benefits

When you fall ill abroad, the foreign travel health insurance offers you optimal travel cover. We pay the costs of medical care and a medically advisable repatriation if you fall ill abroad or need medical care. The private foreign travel health insurance for you!

The foreign travel health insurance is only eligible for persons who have a permanent residence in the Federal Republic of Germany.

Assumption of all the costs of medically necessary care abroad.

Our multilingual emergency service is available for you 24 hours a day.

We compensate you for transport and accommodation costs, including for co-insured companions, e.g. if you are travelling abroad with children and these must be treated as inpatients, or if sick family members must be repatriated.

Key insurance benefits – at a glance

Our tip for you – the annual foreign health insurance.

We are also right for your if you travel a lot or for long periods. Already cheaper if you take more than one trip per year: only € 17 per year.

Did you already know? Facts about health insurance abroad

Treatment costs.

The best weeks of the year are approaching? Then let's go! But are you sufficiently protected at your vacation destination? What happens if an illness or an accident spoils your travel pleasure and turns it into "expensive fun"? This much is certain: The statutory health insurance does not protect you and your loved ones sufficiently. Expensive treatments or a return transport to the home country, for example, are not covered.

As a result, you are left with medical bills that can run into thousands of euros in some countries. With travel health insurance, you're on the safe side - it covers all costs incurred for medical treatment abroad.

Travel health insurance offers optimal coverage for your trip. Find out about our excellent benefits in travel health insurance abroad on our website. Whether you are traveling for a few days or several weeks, alone or with your family - we offer you the right protection.

You can compare our different tariffs using the handy overview and choose the travel insurance that best suits your needs. Calculate your individual insurance premium conveniently online. Our booking assistant will help you conclude and compare your insurance cover.

Important documents for download

For printing or saving: you can find all the important documents at a glance here.

  • Overview of prices
  • General terms & conditions
  • Information sheet on insurance products (IPID)

Book directly – travel cancellation insurance

Conveniently choose from the following payment methods when booking: 

travel health insurance for germany

(sample pricing, per trip, duration 10 days, without the USA/Canada, up to the 65th birthday)

Product suggestion for:   German tourists abroad

Are you living in Switzerland?

If you are living in Switzerland we recommend visiting our Swiss website. There you are given valuable information and you can take out all travel insurances online.

For legal reasons you are not allowed to book travel insurances on our German website. We apologize for the inconvenience.

Switch to Swiss website

  • Travel health insurance
  • Foreign guests

Ausländische-Gäste

For foreign guests

  • Travel health policy for Germany, temporary trips in the EU & all Schengen states
  • Fulfills all Schengen visa requirements
  • Insurance cover of up to five years
  • Personalised all-risk protection at the best price
  • Briefly explained
  • Good reasons
  • Cost example
  • Overview of the benefits
  • 24-Hour Hotline
  • Requirements
  • Students, au pairs & interns

Travel health insurance for foreigners in Germany

If you want to get to know Germany as a holiday destination or work in the Federal Republic for a while, then you need a health insurance policy for foreign guests. This special  travel health policy is a prerequisite to apply for a Schengen visa  (more information can be obtained from the German Foreign Office) and for entering Germany, for example, as a non-EU citizen. Here's how to get the best insurance with Advigon at a  low daily rate .

Our tariffs for travel health insurance explained

Foreign guests basic & foreign guests profi.

With the  Foreign guests Basic   and Profi  tariffs, we insure people  up to the age of 74 . The Basic tariff covers the costs for services such as outpatient treatment, operations or in-patient treatment under Germany’s general care insurance as well as ambulance transport to in-patient treatment. Our  Profi tariff  includes  additional benefits  such as pregnancy examinations and deliveries, dental check-ups, visual aids or screening check-ups for early detection of cancers.

Why do I need health insurance as a foreign guest in Germany?

In Germany’s healthcare system, according to its legal regulations everyone is required by law to have health insurance. If you are travelling to Germany from abroad, either your health insurance at home has to cover you during your trip or you have to take out medical insurance in Germany . Freelancers & self-employed with their own business, scientists, expats and young travellers (e.g. students, au pairs or participants in a Work & Travel programme) also have to take out health insurance.

How much does it cost to get German travel health insurance for foreigners?

The  daily premiums  for Advigon Foreign guests health insurance start from

  • €2.40 a day in the Basic tariff for people at the age up to 64 years
  • and €3.40 a day for those aged 65-74 years.

In the  Profi tariff  the cost of our health insurance is

  • €8.60 a day for people up to 64
  • and €12.70 a day for those aged 65-74.

We have an  extra tariff for young people up to 35 years of age:  Young Travel . This tariff is extra affordable. It’s aimed at young foreign visitors such as au pairs, pupils, students, scholarship holders or Work & Travel participants.

Foreign guests travel health insurance – Overview of the benefits

If you are planning a visit to Germany, our health insurance offers up to five years of premium insurance cover – starting at  2.40 € per day . You can choose from two different packages.

In case of emergencies, our  worldwide emergency assistance line  is available for all persons insured by Advigon. It is available  at any time, 24/7 , including Sundays and public holidays.

Call +49 621 5490-1906

What are the requirements for taking out Foreign guest private health insurance with Advigon?

Advigon’s Foreign guests tariffs Basic and Profi are a must for all travellers  up to 74 years of age  who are looking to stay in Germany for a longer time, either as a tourist or worker. This applies to everyone from  temporary seasonal workers  from abroad to  expats  who work in Germany as employees of an international company for a few months, or even a  few years . Clients for our travel insurance also include  freelancers  and long-term tourists.

Please note that the Foreign guests insurance is only intended  for people who are planning a temporary stay in Germany  and not for those who want to live here permanently and become residents. The  longest duration  for insurance in the Foreign Guests plan is  5 years .

You can apply for the insurance contract at any time. The insurance must be taken out for the entire stay in Germany. The  waiting period is 31 days  from the start of the insurance. The general  waiting time does not apply  if the application is made  within 31 days of arrival . The waiting time also does not apply in case of accidents or medical interventions to avert an acute danger to your life.

Trust Advigon’s policy and benefit from a wide range of services at attractive premiums.

Advigon's visa health insurance Young Travel – for students, au pairs and interns

If you are  under 35 years  old and visiting Germany as an au pair, school pupil, student, scholarship holder, doctoral candidate or as a participant in a "Work & Travel" programme, then Advigon offers particularly inexpensive health insurance for young foreign visitors with the  Young Travel  policy.

All other details about the Foreign guests travel health insurance can be seen in our price overview, the information sheet for insurance products, and the insurance terms and conditions for the Health Insurance for foreign guests.

Information sheet Foreign guest

Price overview Foreign guests

Insurance terms and conditions for travel health insurance

Product data sheet Foreign guests

FAQs – Travel health insurance for foreig­ners in Germany

The answer is  YES . In the Basic and Profi tariff of our foreign guests insurance we cover  hospitalisation  and outpatient treatment as well as costs for  in-patient medical treatment  and ambulance transports, so you are always covered in the case of a COVID-19 infection.

Our travel health insurance for foreign guests is suitable for everyone staying in Germany for a longer period. The policyholder may stay abroad only temporarily, must be under 75 years of age and may not be subject to the statutory health insurance obligation in Germany.

The insurance is also suitable for German nationals who have been living abroad (permanent residence) for at least two years.

Our Foreign guests health insurance  can be taken out at any time before your departure and after your arrival , simply by filling in our  online booking form .

If the insurance cover applied for exceeds 12 months, the insurance cover in the home country is limited to six weeks a year. Beyond that, travel in the home country* is not insured.

*Home country as defined in this condition means your permanent residence before your temporary stay in Germany.

For trips to the USA or Canada, this insurance cover is limited to 14 days per trip.

There is a deductible of 25 euros per insured event.

If you end your stay in Germany early, you can terminate the insurance. In this case, it is important that you keep your air tickets and other evidence of the premature end to the trip.

If you wish to extend your stay in Germany, you can at any time continue our insurance with an extension contract. Please note that the total period of stay in Germany is limited to five years.

The example of Jeffrey and Rose is a simple way to explain how Advigon's rates and their costs are calculated: Jeffrey and Rose, 38 and 40 years old and from the United States,  visit Germany for a holiday for the duration of one month  and need a travel health insurance. Since the health insurance in their home country does not cover all services during their stay in Germany, the two decide to take out Advigon's Foreign guests insurance. Jeffrey picks the Basic plan while Rose would like to get full coverage and protection, so she chooses the Profi plan. For a total of 30 days,  Jeffrey has to pay €72 and   Rose €102 .

Just contact our  English-speaking customer service at  +49 40 5555-4020  or write to us via our  contact form . Communication with Advigon is nice and easy!

T +49 2247 9194-860

[email protected]

Provisit Germany international health insurance

provisit  germany Travel health insurance for stays in Germany up to 2 years

  • Can be purchased before and after entering the country
  • Quick conclusion of contract with immediate confirmation
  • Many different payment methods
  • Free of charge cancellation (based on the actual number of days of travel)

Who is Provisit Germany for?

  • Foreign visitors
  • Visitors from abroad
  • Long-term travelers
  • Work and travel participants
  • Seasonal Workers and Caregivers
  • Extensions of stay

Provisit Germany is a comprehensive insurance policy consisting of international health insurance, accident insurance, personal liability insurance as well as deportation costs insurance for foreign visitors in Germany. The insurance can be purchased before or after entry and complies with Schengen visa and National Visa (visa type D) regulations. Provisit Germany also offers you security if you work in Germany and are not subject to German social security. You forgot to obtain international health insurance or your stay in Germany has been extended? Then Provisit Germany is the solution, because it can also be purchased as additional insurance up to 12 months after leaving the country of departure to travel to Germany.

Provisit Germany at a glance

Provisit Germany benefits

Provisit germany premiums, more information about provisit germany.

You will find a full description of benefits and benefit exclusions in the Customer information download.

Product information sheet

Customer information & terms and conditions (German)

Provisit Germany premiums and benefits

Health, personal liability, accident and deportation costs insurance from €38.50 per month.

  • Health insurance
  • Outpatient medical treatment
  • Inpatient medical treatment including operations
  • Provision with medicine, dressing material and medical appliances
  • Provision with remedies such as physiotherapy and physical therapy (during the entire insurance period): up to €250
  • Medically necessary rehabilitation measures (subsequent to a previous medical treatment)
  • Treatment in case of pregnancy and childbirth
  • Medically necessary transport of patients for purposes of inpatient treatment and treatment by an emergency physician
  • Medically necessary and prescribed return transport
  • Non-contributory extension of insurance coverage up to 90 days in case of pending claims and if the patient is not medically transportable
  • Expenses for the repatriation of the insured person’s remains in the event of death or funeral expenses
  • Fees for medical costs projections
  • No deductible in health insurance
  • Direct billing with physicians and hospitals without advance payment
  • Treatment of mental illness (also inpatient) except psychoanalysis and psychotherapy
  • Dental treatment for pain relief
  • Simple repair of existing dentures (during the entire insurance period): up to €200
  • Dentures due to an accident (during the entire insurance period): up to €2,000
  • Personal liability insurance
  • Bodily injuries and property damage: €1,000,000
  • Damage to the immovable property of a host family (deductible: €250). (Damage to the movable property of the host family is not covered.): €1,000,000
  • Damage to rented property: €100,000
  • Accident insurance
  • Accidental death benefit: €5,000
  • Benefit in case of 100% accidental disability: €105,000
  • Disability benefit: €30,000
  • Progression (increase in the sum insured in proportion to the degree of disability): 350%
  • Rescue costs: €3,000
  • Plastic surgery as a result of an accident: €3,000
  • Deportation costs insurance
  • Noncontributory extended liability in case of an ordered deportation: €4,000
  • Purchase of insurance before or within one month after entering the country of destination (maximum insurance period 24 months)
  • For persons up to 29 years: €38.50
  • From the 13th month: €58.50
  • Persons up to 69 years: €64.00
  • From the 13th month: €111.00
  • Purchase of insurance within one year after entering the country of destination (maximum insurance period 12 months)
  • Persons up to 29 years: €54.00
  • Persons up to 69 years: €85.00

Customer information & terms and conditions German)

Provisit Germany - health insurance for guests and visitors from abroad

Can i still take out provisit germany after entering germany.

If you take out Provisit Germany before you enter Germany, or up to one month after entering the country, the maximum insurance period is 24 months.

You can even take out this incoming health insurance if you entered the country more than a month ago, up to 12 months after entering the country. In this case, the maximum insurance period is 12 months.

In both cases, the insurance term begins at the desired insurance start date.

What kind of travels is Provisit Germany suitable for?

Provisit Germany is an international health insurance for stays in Germany of up to 2 years and is suitable for foreign guests, visitors from abroad, long-term travelers, work & travel participants, seasonal workers or nursing staff, extended stays and family visits.

Does Provisit Germany only cover Germany?

No, Provisit Germany insurance cover exists in the European Union (EU) as well as in Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino and Vatican City.

But you are also insured outside these countries as long as you can prove that your stay there will not last longer than 6 weeks. This includes your home country. This means that vacations and home visits are also covered.

Is Provisit Germany accepted by visa authorities?

Guests and visitors from outside Europe generally require a visa for their stay in Germany. Various requirements must be met for this. These include proof of valid health insurance . 

However, not all travel health insurance policies available on the Internet are suitable for the visa application. The health insurance must have a minimum cover of 30,000 euros , be valid for the entire stay and cover not only Germany but all Schengen states. Provisit Germany fulfills these conditions. 

There are two different types of visa for temporary stays in Germany: the C visa (also known as the "Schengen visa") for stays of up to 90 days and the D visa (also known as the "national visa") for longer stays. Our Provisit Visum travel health insurance is ideal for visitors with a C visa.

For stays longer than 90 days, Provisit Germany is the right choice.

How and when do I get the insurance confirmation?

You will receive confirmation of the conclusion of Provisit Germany immediately by e-mail. You can use this confirmation for the visa authorities as proof of valid health insurance in Germany.

What to do in case of an insured event?

What do you have to do if you actually get sick as a guest from abroad during your stay in Germany? What do you do in the event of a medical emergency? And above all: What do you have to do so that the insurance company pays for the treatment? We answer these questions in our overview " Procedure in the event of a claim ".

travel health insurance for germany

Exclusion of benefits – the facts

No insurance cover is provided for damages:.

  • intentionally caused by the insured person;
  • caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.

Health insurance does not cover:

  • Any pre-existing illnesses, diseases, disorders and their consequences that the insured person already had and suffered from at the beginning of insurance coverage. Furthermore, any consequences of such illnesses, diseases, disorders and of accidents, that were treated during the last six months prior to the beginning of insurance coverage.
  • Psychoanalysis, psychotherapy and hypnosis (for exceptions see General Insurance Conditions (German) )
  • Dental treatment that goes beyond treatment for pain relief as well as prophylactic dental treatment including plaque removal.
  • Dentures including dental crowns, inlays and onlays (for exceptions see General Insurance Conditions (German) )
  • Orthodontics.
  • Medical appliances such as glasses, shoe lifts, bandages, trusses, etc. (for exceptions see General Insurance Conditions (German) ​​​​​​​)
  • Pregnancies that were conceived prior to the beginning of insurance coverage.
  • Preventive medical examinations and check-ups.
  • Examinations carried out in order to obtain a residence permit.
  • Treatment in case of acne and hair loss as well as measures for the removal of birthmarks and warts.
  • Treatment of the eyes carried out due to ametropia, including visual acuity determination.
  • Treatment in case of sterility/infertility (in vitro fertilization).
  • Plastic surgery.
  • Treatment for HIV infection.
  • Certificates and expert opinions.
  • Medical treatment by the host family. Material costs will be reimbursed.
  • Medical costs if an illness is treated twice.

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German) ​​​​​​​.

Liability insurance does not cover:

  • damages to motor vehicles as a result of keeping or operating such vehicles;
  • damages caused by the exchange, transmission or provision of electronic data.

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German) .

Accident insurance does not cover:

  • accidents caused directly or indirectly by nuclear power;
  • accidents as a result of mental illness or cognitive disorders;
  • accidents caused directly or indirectly by foreseeable acts of war.

FAQ - Frequently asked questions  

Further details on provisit germany, what kind of insurances do i get with provisit germany.

Provisit Germany is not only an incoming health insurance for guests in Germany, but also an insurance package that includes other insurances that are important for your stay:

- Personal liability insurance protects you against costs incurred if you accidentally damage other people or their property. Among other things, personal liability insurance is important for renting accommodation in Germany.

- Accident insurance pays for disability, cosmetic surgery or accidental death.

- Few people know that in the event of deportation, the foreign visitor or their host can be held liable for the costs of deportation. This is why deportation costs insurance can be very important, which is also included in the Provisit Germany package.

Is Provisit Germany valid immediately?

The official insurance confirmation will be sent to you by e-mail to the e-mail address you have provided immediately after you have taken out your insurance online . This insurance confirmation is valid as proof of your insurance cover during your stay in Germany when dealing with public authorities.

The insurance cover is valid immediately if you take out Provisit Germany before entering the country or up to one month after entry.

Only if your entry is more than one month ago when taking out Provisit Germany , you have to wait one month for the insurance cover to become valid. This waiting period does not apply under the following conditions :

- In the event of accidents and medical assistance to avert acute danger to the life of the insured person

- In the event of connection to a previous insurance policy that provided insurance cover for outpatient and inpatient treatment in the Federal Republic of Germany (requires proof of previous insurance in the form of a copy of the insurance policy)

What kind of travel insurance is Provisit Germany?

There are many different types of travel insurance. The word "travel insurance" is a generic term under which all types of travel insurance are summarized. The most important and most popular type of travel insurance is travel health insurance , also referred to as "international health insurance".

The term "travel insurance" is also used in the industry to describe an insurance package that includes several different types of travel insurance. Provisit Germany is one such travel insurance policy. It includes international health insurance, personal liability insurance, accident insurance and deportation costs insurance.

Who needs travel insurance like Provisit Germany?

With Provisit Germany , guests from abroad who want to stay in Germany or Europe for a longer period of time can insure themselves against financial risks that can typically arise during stays abroad.

The travel health insurance protects against the very high costs that can arise in the event of serious illness or injury. Personal liability insurance pays out if the foreign guest accidentally causes damage to people or people's property. Accident insurance covers costs incurred as a result of an accident. Deportation costs insurance is also important for the foreign guest, as in the event of deportation, the guest must bear the costs themselves.

However, travel insurance such as Provist Germany is not only important for the foreign guest, but also for the host - the person, company or institution that invites the guest to Germany to visit family or to work. If the guest comes from a third country, they usually need a guarantor for their visa - a person who undertakes to cover all costs that may arise during the guest's stay in Germany.

Provisit Germany travel health insurance by DR-WALTER

At provisit.com, we offer insurance policies for visiting foreign nationals in Germany. Provisit Germany is the recognized international health insurance for stays in Germany of up to 24 months. Over 100,000 satisfied customers have already purchased a Provisit Germany policy. We have developed Provisit Germany for your private or business trip to Germany. Who we are? The experts for international health insurance. For over 60 years , DR-WALTER has been insuring all types of travel. Our specialty is providing coverage for foreign visitors. We have received the TÜV certificate “Certified Service Quality” every year since 2011, which is proof of our outstanding services. Over the years, more than 99% of our customers have given us top marks for our insurance policies and services.

Customer reviews

provisit.com/de/ Reviews with ekomi.de

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travel insurance germany Colorful half-timbered houses in Rothenburg ob der Tauber, Germany

Travel Insurance for a Germany Vacation (2024)

See how travel insurance for Germany can protect you against financial loss if your trip gets canceled, you incur medical expenses or lose your baggage.

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Alex Carver Photo

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re trekking in the Black Forest or sightseeing in Cologne, unforeseen situations can arise during a vacation to Germany. Travel insurance for Germany can protect you against financial losses if unexpected medical treatment, trip cancellations or travel delays hinder your plans.

We at the MarketWatch Guides Team have researched and reviewed the best travel insurance companies to help you navigate coverage, costs, benefits and insurance requirements for your trip to Germany.

Compare Travel Insurance Companies for Germany

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Germany?

Germany travel insurance requirements vary based on where you are traveling from and if you need a visa. Travel insurance is optional for U.S. citizens and other travelers who do not require a visa as long as they stay in Germany for less than 90 days. But if you need a visa to enter Germany or the Schengen Area, then travel insurance is mandatory. Visit the Schengen visa website to learn about Germany visa requirements and applications.

If you have to cancel your trip unexpectedly , Germany travel insurance may cover some of your prepaid, nonrefundable expenses. This could include reimbursements for flights, lodging and travel excursions. Generally, travel insurance covers trip cancellations for the following reasons:

  • Jury duty or legal obligations
  • Death of an immediate family member or travel companion
  • Unforeseen medical injury or a serious health condition
  • Natural disasters
  • Acts of war or terrorism

Travel insurance can also provide emergency medical coverage if you need health care abroad. Germany ranks among the top countries in the world for its high-quality health care system. Tourists will have to pay for treatment out of pocket, and medical costs can add up if your health insurance does not extend overseas. Purchasing a medical travel insurance plan can offer coverage and ensure peace of mind in case you need medical care while vacationing in Germany.

Cancel for Any Reason Coverage

Cancel for any reason , or CFAR, coverage is an optional upgrade to standard travel insurance policies that covers travel cancellations for any given reason. It is a worthwhile investment if you prefer flexibility, but will increase the cost of your premium.

CFAR coverage extends cancellation benefits beyond the reasons covered by your standard policy. Say you’re planning an anniversary trip to Hamburg and booked a nonrefundable hotel, but decide that Munich is a better option. With CFAR insurance, you can submit a claim for reimbursement of the lost lodging costs — simply because you changed your mind.

Although CFAR coverage offers flexibility, it is subject to deductibles, disclaimers and restrictions. Be sure to review coverage exclusions before you purchase this optional insurance.

Gear Theft Protection

Germany is considered a safe country for U.S. citizens to visit. However, as with every major city in Europe, there may be scams, crime and petty theft. If you’re visiting major cities like Berlin or Munich, you may want to consider gear theft protection.

You may want to bring your valuables to Germany, like a camera to photograph the Bavarian Alps or Oktoberfest. Gear theft protection covers you in case your items are lost or stolen. Coverage may include the following valuables:

  • Laptop, mobile phone or tablet
  • Professional camera
  • Camera equipment, including tripods and stabilizers
  • Sporting gear and equipment, like ski helmets, ski poles and snowboards

Most travel insurance plans cover valuable items up to a predetermined cost. But gear theft protection may not include coverage for all of your valuables. Review your policy for limitations and exclusions and consider leaving irreplaceable items at home. Medical Emergency Insurance and Emergency Medical Evacuation

If you have a medical emergency in Germany without travel insurance, you can endure a significant financial setback. While standard travel insurance policies provide some coverage, you are not guaranteed full reimbursement for any treatment you receive.

Medical travel insurance can include coverage for the following:

  • Hospital expenses
  • Operating room fees
  • Ambulance costs
  • Dental emergencies
  • Lab tests and X-rays

Most travel medical insurance plans also provide emergency medical evacuation and repatriation. This coverage protects you from the cost of medical evacuation to your home country if you can’t receive the required health care in Germany.

Like the neighboring countries of Switzerland and Austria, Germany is considered an adventure aficionado’s haven. But keep in mind that travel medical insurance may not extend to extreme sports. However, some companies offer this protection as a policy add-on.

Rental Car Protection

The public transportation system in Germany is modern, well-connected and runs frequently. While public transit offers a budget-friendly, easy way of getting around, some travelers may prefer to rent a car.

Renting a car allows you more freedom to travel at your own pace, but there is more responsibility involved. Germany legally requires all rental cars to have unlimited third-party liability insurance. While this protection is automatically included when you rent a car, it offers minimum coverage.

Travel insurance with rental car protection can cover you if a rental car is damaged. Although the details differ from policy to policy, most premium rental car insurances include the following:

  • Collision damage waiver
  • Theft protection
  • Windshield and tire protection
  • Roadside assistance
  • Personal effects and injury insurance

Standard travel insurance policies may only include rental vehicle excess to provide coverage if your rental vehicle is damaged or stolen. This protection can help you recoup financial losses if you’re held liable. Other providers may offer varying rental car coverages as add-ons, which increase your premium.

Trip Cancellation Insurance

Most travel insurance coverage includes nonrefundable and prepaid trip expenses up to a predetermined limit. Trip cancellation insurance can protect you from financial loss by reimbursing a canceled flight , hotel or even travel excursions.

Some of the accepted reasons you can file a claim for trip cancellation insurance include:

  • Hospitalization
  • Serious injury or unforeseen illness
  • Death of a family member or travel companion
  • Severe weather conditions
  • Military orders (including domestic or international terrorism)

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How Much Does Germany Travel Insurance Cost?

Whether you’ve decided on a short-term, single trip or an annual multi-trip policy, travel insurance costs can vary depending on many factors. Coverage costs largely depend on your personal preferences, destination and other travel plans.

To receive an insurance quote, you will need to provide the following information:

  • Number of travelers
  • Destination country and city
  • Country of residence
  • Trip length
  • Total trip price

To determine the total trip price, factor in flights, accommodation and all nonrefundable and prepaid expenses. Many cheap travel insurance options are available if you are on a budget.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Germany. The below quotes are for a 30-year-old traveler from Florida, traveling to Germany for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Although policies differ between each insurance company, the above quotes can help you determine the cost of travel insurance . Each plan includes the following coverage:

  • COVID-19 Cancellation
  • COVID-19 Medical
  • Trip cancellation
  • Trip interruption
  • Medical evacuation
  • Medical costs

How Do I Get Travel Insurance for Germany?

Before planning your vacation to Germany, see what coverage you already have. Contact your current health insurance provider to see if your coverage extends abroad. Some credit card companies include travel health insurance and trip protection, and you can typically purchase flight insurance when booking with an airline.

If you want to purchase travel insurance for your trip to Germany, make sure to compare various plans and policies. We recommend you request quotes from at least three companies before deciding which travel insurance plan is best for you. Consider factors like pre-existing medical conditions and the activities you want to include in your itinerary. Review each policy in detail for exclusions and deductibles before purchasing.

Germany Safety Tips

Germany is considered safe and has low crime rates, but crime can still occur. Before you jet off on your German vacation, here are some safety tips to keep in mind.

Crime and Safety

Germany ranks high for safety in the Global Peace Index (GPI) and crime rates are low by global standards. However, there are recorded scams, petty theft and crime in major cities. Pickpocketing is an issue in Berlin and Munich, so practice general precautions when visiting.

Day Trips, Tours and Excursions

From learning about the history of Hamburg to exploring the Black Forest, Germany is home to many day trip destinations. You can also take a day trip to other European Union member states like Switzerland or Austria. Travel insurance can provide coverage for certain excursions and related costs, including gear rental if you are planning to golf.

Germany has lifted all COVID-19 restrictions as of February 2023. You will no longer be required to present a vaccination passport or negative PCR test if you are entering the Schengen Area. There are also no coronavirus restrictions on German public transport.

Consider a travel insurance policy with extended COVID-19 coverage if you worry the virus could interfere when you visit Germany.

Is Travel Insurance for a Germany Vacation Worth It?

If you have a U.S. passport, you do not need travel insurance to enter Germany, but purchasing an insurance policy can be worth it depending on several factors.

Travel insurance can protect you from financial loss if unexpected circumstances arise, like unexpected flight delays or cancellations, lost baggage and medical emergencies. Purchasing a policy to cover medical costs, trip cancellations and more can provide peace of mind so you can focus on enjoying your vacation.

Frequently Asked Questions About Travel Insurance in Germany

Can i claim flight compensation if my trip to germany gets canceled.

Unless you have travel insurance, refunds for canceled or delayed flights are subject to the airline and not always guaranteed. But purchasing travel insurance can add protection from financial loss if your flight is canceled due to a covered reason.

What type of travel insurance do I need for Germany?

The best travel insurance for you will depend on your personal preferences and coverage needs. If you are concerned about emergency medical events, look into travel insurance plans that offer comprehensive health coverage. Or seek a policy with extended trip cancellation and delay coverage if travel interruptions are your main concern.

Do I need travel insurance with a German visa?

If you are a U.S. citizen, you do not need to fill out a visa application if you plan to visit Germany for less than 90 days. Otherwise, you will need a visa , which mandates you have travel insurance to enter the country.

Is German health care free for visitors?

German public health care is only accessible to residents of the country. Visitors have to pay for treatment upfront. You claim reimbursement later on if your health care offers coverage abroad or you have travel medical insurance. Temporary visitors from other Schengen countries can use their European Health Insurance Card (EHIC) for emergency medical treatment.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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Portrait of happy girl in a hat with a backpack standing on background of mountains and sea.

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Travelers Guide to Healthcare in Germany

  • March 13, 2021
  • Lauren Stuttaford

After Russia, Germany is the second most populous country in Europe and the most populous member state of the European Union. Its Western European terrain boasts forests, rivers, mountain ranges, and North Sea beaches, all of which serve as a testament to its more than 2,000-year-old history.

Germany is a federation comprising 16 constituent states, known as Länder, each with its own constitution and a high degree of internal autonomy. The cultural and linguistic differences among these states are unique, with dialects often so divergent that people across state borders have difficulty communicating with each other.

If you are planning a trip to Germany, this healthcare guide will provide you with all the essential information needed to ensure your safety and knowledge during your stay.

  • Healthcare Basics
  • Cost of Healthcare in Germany

Available Payment Methods

  • Seeing a Specialist
  • Drugstores and Pharmacies
  • Hospitals and Clinics in Germany
  • Emergency and After-Hours Healthcare
  • Tips for Tourists

Healthcare In Germany – The Basics

Germany boasts one of the world’s best (and oldest) healthcare systems. There’s a dual public-private system that’s been in place for nearly two centuries, which has undergone significant advancements. The system operates on statutory contributions guaranteeing free healthcare for all. However, individuals also have the option to purchase private health insurance (Private Krankenversicherung or PKV) to supplement or replace state coverage (Gesetzliche Krankenkasse or GKV). The Federal Ministry of Health in Germany is tasked with the development of health policies and overseen by the Joint Federal Committee. Whether you’re a resident or a visitor, understanding this healthcare system can help keep you informed and safe during your stay.

Public Healthcare

Healthcare in Germany is accessible to all residents through public health insurance – this system covers 90% of residents. While non-residents require private insurance coverage to receive medical care. Visitors to Germany usually have to pay for treatment and then claim reimbursement at a later stage.

EHIC Holders:

Temporary visitors from the EU, EEA, or Switzerland can use their EHIC card to access emergency medical treatment in Germany. However, legal residents must have German health insurance. The EHIC is part of the health insurance card for all residents in Germany, allowing them to benefit from emergency medical treatment and care when temporarily elsewhere in the EEA. If you need medical care during a temporary stay in Germany, presenting your EHIC to the healthcare provider indicates that you have statutory health insurance and that your native country’s insurer will cover the costs. If you do not have an EHIC card, you can request a Provisional Replacement Certificate (PRC) from your healthcare insurance provider. The EHIC can be used to claim reimbursement for costs incurred in the same way as German nationals. You will not have to pay if the treatment is free for locals. If you have to pay for treatment, you can request reimbursement from the national institution or your health insurer. The EHIC is only valid in practices operating under the state health insurance system, identifiable by a sign that says: Kassenarzt or Alle Kassen. It is valid for up to 6 months, after which visitors planning to stay longer must explore private health insurance schemes. Self-employed artists and publicists can also receive health protection in public health insurance similar to employees through the Künstlersozialkasse (KSK) or Artists’ Social Insurance Act.

Private Healthcare

Private Krankenversicherung (PKV) provides more extensive medical coverage in Germany than GKV. People who are self-employed, part-time employees, freelance professionals, artists, government employees, or those who earn more than EUR 64,350 annually can choose to take out private health insurance. Premiums for private health insurance vary depending on the level of coverage and the insurance provider. In some cases, private insurance may be more cost-effective than public health insurance since GKV contributions depend on income, resulting in higher earners paying more. The PKV maintains a list of private German health insurance companies.

Cost of Health Care In Germany

Germany ranks among the top healthcare spenders in Europe, allocating 11.1% of its annual GDP to healthcare expenditure. Only Switzerland and France outspend Germany in terms of GDP percentage, with German healthcare costs averaging over EUR 4,000 per resident each year.

Most of these costs are covered by contributions from both public and private insurance plans. Additionally, individuals are required to pay a fee of approximately EUR 10-15 for their first medical consultation each quarter. Those who do not require medical attention during this period are exempt from this fee, and those with private health insurance can reclaim these expenses.

Patients enrolled in public health insurance or GKV typically pay modest co-payments for medication and hospitalization, with all other expenses fully covered by their insurance provider. In contrast, PKV is based on reimbursements, which often involve excess payments on either an annual or per-service basis.

In Germany, a bank transfer is the most common payment method, however, bank cards and cash are widely accepted throughout the country.

Doctors And Specialists In Germany

Doctors in Germany are referred to as “Ärzte,” and a “Hausarzt” is equivalent to a GP or primary care physician. In the German healthcare system, patients have the freedom to choose their own doctor. While most doctors have at least basic knowledge of English, some only treat private patients, which means patients with public insurance must pay for their treatment. Typically, practice hours for doctors are from 8 am-1 pm and 3 pm-6 pm, Monday to Friday. Many practices are closed on Wednesday afternoons, and only a few are open on Saturdays. Emergency services are available on Sundays.

Seeing A Specialist

Referrals are not mandatory in Germany, and patients can directly visit a specialist without seeing a family doctor first. However, some restrictions apply. Referrals are not required for emergency treatment, dentistry, pediatrics, gynecology, and ophthalmology.

For certain specialists, a referral from a family doctor is typically required. These include experts in laboratory medicine, microbiology, nuclear medicine, pathology, radiology, radiotherapy, and infection epidemiology. In addition, referrals are necessary for special diagnostic procedures and treatments that require significant technical or medical effort and involve high risks.

Private health insurance (PKV) policyholders have the freedom to choose any doctor they want without needing a referral. However, this may impact reimbursement by the insurance provider as treatment necessity is a prerequisite for coverage. Medical practices in Germany generally operate from 8 am-1 pm and from 3 pm-6 pm on weekdays, with few offices open on Wednesdays and weekends.

Drugstores And Pharmacies

Apotheke (or pharmacies) in Germany can be identified by a prominent red-letter A. These establishments typically operate from 9 am to 6 pm on weekdays, and from 9 am to 12 pm on Saturdays.

It’s worth noting that drugstores, known as Drogerien, such as DM and Müller, should not be confused with pharmacies. These retailers do not sell medication, but rather a variety of consumer items and toiletries.

Should you require medication, you can take a prescription from your general practitioner to any pharmacy. However, if your prescription is on a pink slip of paper, this is an indication that you’ll need to pay a non-refundable flat rate – approximately EUR 5-10. In the case of minor ailments like cold and flu, you’ll need to pay the full amount for the medications.

Those with private insurance will be issued their prescription on a blue slip of paper, requiring them to pay the full amount upfront at the pharmacy and then seek reimbursement from their insurer.

It’s important to note that medication packaging may not always include dosage instructions, so it’s crucial to consult with your doctor or pharmacists for guidance and record the details for future reference. While pharmacists may also offer dosage information, their English proficiency may be limited.

Here is information about local on-call pharmacies.

Hospitals In Germany

In Germany, Krankenhäuser is the term used for hospitals, which can be categorized into three main types:

  • Öffentliche Krankenhäuser – public hospitals.
  • Frei gemeinnützige Krankenhäuser – voluntary non-profit hospitals.
  • Privatkrankenhäuser – private hospitals.

Compared to other countries, hospitals in Germany have a reputation for excellence. However, only a doctor can approve hospitalization for non-emergency cases.

When referred to a specialist in a hospital, your GP will play a significant role. If you plan to stay as an inpatient, be mindful that hospitals have limited space allocated to patients covered by public or private insurance. Therefore, it’s crucial to bring your EHIC/German health insurance card when you visit.

Hospital bills for those covered by GKV are sent directly to the insurer. On the other hand, patients with PKV must pay all bills upfront and claim reimbursement later.

It’s important to note that hospital stays in Germany are structured, with specific visiting hours and strict rules on mobile phone usage and smoking. Additionally, many doctors and nurses in hospitals may not speak English fluently, so be prepared to communicate using German or bring a translator.

Health Centers & Clinics In Germany

Outpatient care in Germany is generally offered by doctors and specialists in individual or joint practices. There are also medical centers, both public and private, where healthcare professionals like GPs, medical specialists, physiotherapists, psychotherapists, and nurses provide their services.

Emergency And After-Hours Healthcare

If you require urgent medical attention in Germany, you should visit the A&E or ER, known as Notaufnahme. In Germany, emergency services are covered by both state and private health insurance.

In the event that you require ambulance transportation, dial 112 , (a pan-European number for free). The fire brigade ambulance service, called Rettungswagen, is also able to transport you to a hospital nearby.

For emergency medical assistance, dial 19 242 to reach emergency doctors. To access non-emergency doctors on call, dial 116 117.

Patients can also contact their local practices for information on their out-of-hours service.

Telehealth In Germany

In Germany, telehealth is a rapidly evolving field and is allowed with certain restrictions, though there are no limitations on specific medical fields. However, telehealth applications and technologies must be approved, and platforms like Zoom or Skype consultations are generally not allowed. Medical apps may apply for “fast track” market entry. Doctors in Germany are permitted to advertise telemedicine services and can use telehealth practices in all cases they find appropriate, whether for existing or new patients. Currently, e-prescriptions are allowed as part of several pilot projects.

German health insurance for foreigners

In Germany, healthcare insurance is mandatory for all residents, including foreigners. There are two main options: statutory health insurance (GKV) and private health insurance (PKV). Statutory insurance is typically for those with lower incomes, while private insurance offers more flexibility but can be costly. EU citizens can transfer coverage using the EHIC or EHID, while non-EU citizens may need private insurance initially. Healthcare insurance in Germany provides access to quality care, including doctor visits, hospitalization, medications, and preventive services. It’s important to understand the specific coverage and consider supplementary insurance if needed. Seeking advice from experts can help navigate the healthcare system and find the right insurance for your needs.

Tips For Tourists In Germany

Germany offers visitors a wealth of attractions. From its captivating history and culture to its scenic natural landscapes like the Black Forest , making it an ideal destination for an extended stay.

The German way of life revolves around the belief that regulations and policies serve as a guide to regulate everyday activities. Promptness is highly valued, and tardiness is frowned upon as Germans are known for their excellent watchmaking skills. Additionally, it’s advisable to be mindful of your vocal volume.

In Germany, healthcare is subject to stringent anti-corruption and transparency laws.

Travel Health Insurance for Germany

When traveling to Germany, it’s crucial to have travel health insurance that provides coverage for unexpected medical expenses. This insurance typically includes emergency medical treatment, hospitalization, and medication costs. It may also offer benefits like emergency evacuation or repatriation. Remember to carefully review the policy details, including coverage limits and exclusions. Non-EU citizens should note that the European Health Insurance Card (EHIC) might not be valid, so obtaining comprehensive travel health insurance is vital. With proper coverage in place, you can explore Germany knowing you’re protected in case of any medical emergencies.

If you are a tourist in Germany and would like to speak to a medical professional connected to an international network of doctors, you can make an appointment on the Air Doctor app right now and have an in-person or virtual consultation within minutes.

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Jenny Cohen Drefler

Jenny Cohen Derfler

Air dr ceo & co-founder.

Jenny is the CEO and one of the Co-Founders at Air Doctor. She spent more than 20 years at Intel, most recently as general manager of its manufacturing facility in Israel and before that in various engineering and manufacturing roles in Silicon Valley. Air Doctor is her second startup having previously founded electric vehicle company ElectRoad.

travel health insurance for germany

Key benefits of travel medical insurance

  • Travel medical insurance coverage
  • Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

  • Travel medical insurance covers unexpected emergency medical expenses while traveling.
  • Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
  • If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

  • Hospital room and board
  • Inpatient/outpatient hospital services
  • Prescription Drugs
  • COVID-19 treatment
  • Emergency room services
  • Urgent care visits
  • Local ambulance
  • Acute onset of pre-existing conditions
  • Dental coverage (accident/sudden relief of pain)
  • Medical care due to terrorist attack
  • Emergency medical evacuation 
  • Repatriation of mortal remains
  • Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance. Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not  travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

travel health insurance for germany

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  2. Health Insurance in Germany! What Are Your Best Options

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  3. Travel insurance Germany: read this before picking one.| SiB

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  4. Travel Insurance in Germany: What You Need To Know (2024)

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  5. Travel Health Insurance for Germany

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  6. TRAVEL INSURANCE & HEALTH INSURANCE in Germany?

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  3. Expats, assemble! Enjoy the best of both worlds

  4. Insurances you must have if you live in Germany

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  6. Care Concept AG

COMMENTS

  1. Travel Insurance for Visitors/Tourists in Germany

    Learn why you need travel insurance for Germany, especially if you need a visa, and how to choose the best plan for your needs. Compare the benefits and fees of PROVISIT-VISUM and PROVISIT by DR-WALTER, two affordable and reliable options.

  2. Travel Insurance For A Germany Trip

    Travel Medical Expense Insurance for Illness and Injuries. Germany is home to the Autobahn—a high-speed freeway—and if you're on a tour bus, you are going to be traveling fast, and we mean ...

  3. Best Travel Insurance For Tourists In Germany [2024 Ultimate Guide]

    Verdict. We find Dr. Walter's travel insurance for people up to 64 years old to be one of the best options. However, HansMerkur is significantly cheaper for people 65 and older. NOTE: Dr. Walter offers unlimited health insurance coverage, but HanseMerkur's insurance coverage is limited to 50,000 €.

  4. Do I need travel insurance for Germany?

    Learn if you need a Schengen visa and travel insurance for Germany, and what AXA plans cover. Compare low-cost, Europe Travel, and Multi-Trip options with up to €100,000 medical expenses and 24/7 assistance.

  5. Germany Travel Health Insurance Requirements for Visitors

    Learn why travel insurance is mandatory for Germany visa applicants and what it covers. Find out how to get affordable plans that meet Schengen requirements from Dr. Walter.

  6. Travel Insurance for Germany

    In general, travel insurance costs about 3 - 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane ...

  7. Schengen Visa Insurance

    Learn about the requirements and benefits of travel insurance for visitors to Germany and other Schengen countries. Compare plans and prices from top insurance companies and get a certificate for your visa application.

  8. Germany Travel Health Insurance: Requirements and Coverage

    To obtain a Schengen Visa, one of the requirements is to have proper health insurance in Germany. Medical insurance is compulsory for all foreigners visiting the country, with a minimum coverage of €30,000 for medical treatment. The travel insurance for Germany covers medical emergencies or accidents and is easy and affordable to obtain.

  9. Travel health insurance for Schengen visa Germany

    If you take out health insurance (or 'Krankenversicherung' in German) with Advigon we're your reliable partner during your stay in Germany: If you need immediate help, you can call our English-speaking customer support: +49 40 5555-4020 and our 24-hours emergency line +49 621 5490-1906 is always available if you're in trouble.

  10. Health insurance for a German visa or residence permit

    To apply for a tourist visa ( Schengen visa ), you need travel insurance. 1. Your travel insurance must… 2. Cover you for at least 30,000 €. Be valid in all Schengen area countries, not just Germany. Be valid during your whole trip in the Schengen area. HanseMerkur's Visa Plus travel insurance works well for a Schengen visa application.

  11. Travel Insurance for foreign guests in Germany

    The best insurance cover for your long-term stay. Combine your individual, long-term travel cover package for stays in Germany of up to five years. We offer you travel insurance with foreign health insurance plus travel liability insurance, accident insurance, emergency insurance and baggage insurance. You can take out cover for up to five years.

  12. German Health Insurance Package for Internationals

    Personalized coverage for your visa and stay in Germany. Free Travel Health/Incoming Insurance for your visa worth up to €95. Accepted by German authorities worldwide.3. Best public German health insurance: Techniker Krankenkasse (TK).4. Awarded private health insurance: DR-WALTER5.

  13. German Travel Insurance for and Visitors to Germany

    Learn about the healthcare system, insurance options, and safety tips for visitors to Germany. Compare travel medical and global medical plans for short-term and long-term stays.

  14. Travel Insurance for Germany: Our Best Options in 2024

    Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others. Customer support: FAQ, live chat, phone support. Pricing range: USD 80 to USD 420 /traveller /month. Insurance underwriter: David Shield Insurance Company Ltd.

  15. Germany Travel Insurance

    Germany travel medical insurance is a type of health insurance for travellers which covers for you any health emergencies while you are in Germany. The minimum coverage is €30,000, and there is no limit for maximal coverage.

  16. Health Insurance in Germany: In-Depth Guide (2024)

    Public Health Insurance in Germany is a state-sponsored system that provides a comprehensive range of healthcare services, including doctor visits, hospital stays, and even some forms of alternative treatments. The system is designed to be accessible and affordable, with premiums based on your income level.

  17. The Guide to Travel Insurance for Europe Trips

    Travel insurance shields you from trip delays, lost luggage and health emergencies so your adventure stays smooth. ... we used a 37-year-old Nevada resident traveling to Germany for 11 days with a ...

  18. Germany Health & Medical Insurance for Foreign Expats: AXA

    It's mandatory for anyone living or working in Germany to have some form of health insurance. This can either be the government-regulated public health insurance scheme, the gesetzliche krankenversicherung (GKV) 2, or private healthcare cover.For German residents, the local private health insurance is called PKV (private Krankenversicherung) but, as an expat, you can opt for global ...

  19. Travel Insurance for Germany: Top Plans 2024

    According to official sales data from Squaremouth, travel insurance for Germany costs, on average, around $317.77 for an average trip. Based on our own official sales figures over the past year ...

  20. Travel Health Insurance for one trip

    HanseMerkur offers foreign travel health insurance for trips worldwide, with no deductible and treatment as a private patient. Compare prices, benefits and tariffs for one-trip or annual coverage.

  21. Health Insurance in Germany for Foreigners

    The daily premiums for Advigon Foreign guests health insurance start from. €2.40 a day in the Basic tariff for people at the age up to 64 years. and €3.40 a day for those aged 65-74 years. In the Profi tariff the cost of our health insurance is. €8.60 a day for people up to 64. and €12.70 a day for those aged 65-74. Take out insurance.

  22. Germany Travel Insurance

    Learn about travel insurance options for Germany, including medical coverage, Schengen visa requirements, and safety tips. Compare plans and prices for your trip to Germany with InsureMyTrip.com.

  23. Travel health insurance for stays in Germany up to 2 years

    Provisit Germany is an international health insurance for stays in Germany of up to 2 years and is suitable for foreign guests, visitors from abroad, long-term travelers, work & travel participants, seasonal workers or nursing staff, extended stays and family visits.

  24. Travel Insurance for a Germany Vacation (2024)

    Many cheap travel insurance options are available if you are on a budget. We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Germany. The below ...

  25. Travelers Guide to Healthcare in Germany

    Travel Health Insurance for Germany. When traveling to Germany, it's crucial to have travel health insurance that provides coverage for unexpected medical expenses. This insurance typically includes emergency medical treatment, hospitalization, and medication costs. It may also offer benefits like emergency evacuation or repatriation.

  26. Health Insurance in Germany

    The German healthcare system is built on the idea of solidarity, ensuring equal access to medical services and insurance for everyone. Citizens and employers pay into the system, therefore, receiving free or heavily subsidized medical services. The system accounts for even those who are under unemployment benefits.

  27. Travel Medical Insurance: Your Guide to Staying Protected on Trips

    Travel medical insurance covers unexpected emergency medical expenses while traveling. Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.