Best Travel Insurance Germany:Planning a trip to Germany? Whether you’re heading to Berlin for its vibrant culture, the Bavarian Alps for skiing, or the Rhine Valley for a romantic river cruise, travel insurance should be at the top of your checklist. In this blog, we’ll cover the best travel insurance options for Germany, what coverage you need, how much it costs, and how to choose the right policy for your trip.
Why You Need Travel Insurance for Germany
Germany is part of the Schengen Area, meaning travelers from many countries are required to have travel insurance to obtain a visa. But even if it’s not mandatory for you, travel insurance is still highly recommended. Here’s why:
- Medical Emergencies: Healthcare in Germany is top-notch but expensive without insurance.
- Trip Cancellations or Delays: Flights, tours, or accommodation might need to be canceled or changed.
- Lost or Stolen Belongings: Coverage helps recover costs for luggage, passports, and electronics.
- COVID-19 Coverage: Many policies now include COVID-related cancellations or medical expenses.
Top Travel Insurance Providers for Germany
Here are some of the best and most reliable companies offering travel insurance for Germany in 2025:
- SafetyWing
- Great for digital nomads and long-term travelers
- Covers COVID-19
- Monthly subscription model
- Emergency medical and evacuation coverage
- World Nomads
- Ideal for adventure travelers
- Covers a wide range of activities (hiking, skiing, etc.)
- Strong emergency medical and trip interruption coverage
- Allianz Global Assistance
- Reputable global brand
- Multiple plan options (Basic, Prime, Premier)
- 24/7 assistance services
- AXA Schengen Travel Insurance
- Specifically tailored for Schengen visa applicants
- Affordable plans that meet all visa requirements
- Instant certificate for visa processing
- IMG Global (Patriot Travel Medical Insurance)
- Customizable plans
- High medical limits (up to $1M)
- Good for students and families
What Should Your Travel Insurance Cover for Germany?
When choosing travel insurance for Germany, make sure your policy includes the following:
- Medical Coverage: Minimum of €30,000 is required for Schengen visa holders.
- Emergency Evacuation & Repatriation: In case you need to be flown home for treatment.
- Trip Cancellation/Interruption: Reimbursement for non-refundable expenses.
- Baggage Loss/Delay: Compensation for delayed, lost, or stolen luggage.
- 24/7 Assistance: Access to emergency support in Germany.
Cost of Travel Insurance for Germany
The cost of travel insurance varies based on your age, trip duration, and coverage level. On average:
- 1-week trip: $30 – $70
- 2-week trip: $50 – $100
- 1-month trip: $80 – $150
For long-term stays, look into monthly plans like SafetyWing or IMG.
Tips to Choose the Right Travel Insurance
- Compare Plans: Use comparison websites like Squaremouth or InsureMyTrip.
- Read the Fine Print: Check what’s excluded, especially for high-risk activities.
- Check Reviews: Look at user experiences on Trustpilot and other review platforms.
- Check Visa Requirements: Especially if you’re applying for a Schengen visa.
Travel Insurance for Students & Expats in Germany
If you’re going to study or stay long-term in Germany:
- Students: Look into EDUCARE24 by DR-WALTER or Mawista Student.
- Expats: Consider long-term health insurance like Cigna Global or Allianz Worldwide.
Travel insurance is a small price to pay for peace of mind during your Germany trip. Whether you’re skiing in the Alps, exploring castles, or enjoying Berlin’s nightlife, having the right coverage ensures you can relax and enjoy every moment. Always compare policies, read the terms carefully, and choose a plan that suits your needs.
Safe travels!
FAQs
Q1. Is travel insurance mandatory for Germany?
A: Yes, for Schengen visa applicants. It’s recommended for everyone.
Q2. Does travel insurance cover COVID-19 in Germany?
A: Most major providers now include COVID-19 coverage. Always confirm before buying.
Q3. Can I buy travel insurance after arriving in Germany?
A: Yes, but it’s best to purchase it before departure to ensure full coverage.
Q4. What’s the best travel insurance for adventure sports in Germany?
A: World Nomads offers excellent coverage for adventure activities.
Q5. How do I make a claim?
A: Contact your provider, fill out the claims form, and provide all required documents (receipts, medical reports, etc.).