Travel Insurance in Germany
Travel Insurance in Germany: A Complete Guide for Tourists, Expats & Visa Applicants
Planning a trip to or from Germany? Whether you're a tourist visiting Europe, an expat living in Germany, or applying for a Schengen visa, travel insurance is essential. Not only does it safeguard you against unexpected medical expenses, cancellations, and delays—it’s also required for many visa applications.
In this guide, we explain everything you need to know about travel insurance in Germany, including what it covers, who needs it, and how to choose the right policy.
Travel insurance Annual plans starting from €25 for individuals and €44 for families.
Why Do You Need Travel Insurance in Germany?
Travel insurance protects you financially when things don’t go according to plan. From lost luggage and medical emergencies to trip cancellations or delays, the right policy can save you thousands of euros—and a lot of stress.
In Germany and throughout the Schengen Area, travel insurance is also mandatory for:
- Schengen visa applications
- National visa applications (D visa)
- Residence permit renewals
What Does Travel Insurance Cover?
Coverage can vary by provider and policy, but most travel insurance plans in Germany include:
Emergency Medical Treatment
Hospital stays, doctor visits, surgeries, and ambulance services.
Repatriation & Medical Evacuation
Covers the cost of transporting you back to your home country due to illness or injury.
Trip Cancellation or Interruption
Refunds for non-refundable bookings due to illness, family emergencies, or unforeseen events.
Lost or Delayed Baggage
Compensation for personal belongings lost or delayed during travel.
Accidental Death & Disability
Financial protection for severe accidents occurring during your trip.
Who Needs Travel Insurance in Germany?
Travel insurance is essential for:
Tourists Visiting Germany
Required for visa-free travellers wanting peace of mind and for nationals of countries that require a Schengen visa.
Schengen Visa Applicants
Applicants must show proof of insurance with minimum coverage of €30,000 for medical expenses and repatriation, valid throughout the Schengen Zone.
International Students
Those attending language schools, universities, or preparatory programs often need short-term travel insurance before switching to a complete health insurance plan.
Expats and New Arrivals
Before becoming eligible for German public or private health insurance, many expats rely on incoming (expat) travel insurance to bridge the gap.
Types of Travel Insurance in Germany
1. Short-Term Travel Insurance
Perfect for tourists and visitors staying less than 90 days.
2. Long-Term Travel or Incoming Insurance
Designed for expats, freelancers, or students staying in Germany up to 12 months.
3. Annual Multi-Trip Travel Insurance
Ideal for frequent travellers within the European Union and globally.
4. Student Travel Insurance
Covers short academic stays, internships, or language programs.
Best Travel Insurance Providers in Germany
Here are some popular and trusted insurance companies offering visa-compliant travel insurance:
Cost of Travel Insurance in Germany
- Short-term travel insurance: from €10 to €50 for a 30-day trip
- Long-term expat or student insurance: around €30 to €90/month
- Annual travel insurance: starts at €70/year, depending on your age and coverage needs
Prices depend on age, duration, destination, and whether you choose basic or comprehensive coverage.
Travel Insurance for Schengen Visa – Requirements
To apply for a Schengen visa, your insurance must:
- Be valid in all Schengen countries
- Offer minimum coverage of €30,000
- Include emergency medical and repatriation coverage
- Be valid for the entire duration of stay
AtoZSerwisPlus.pl offers insurance plans that comply with Schengen and German visa requirements.
How to Buy Travel Insurance in Germany
- Compare providers and plans (focus on coverage, price, and visa requirements)
- Choose your duration (short stay, extended stay, or multi-trip)
- Apply online through AtoZSerwisPlus.pl
- Receive confirmation documents instantly for visa submission
- Start your trip with confidence
Travel insurance Annual plans starting from €25 for individuals and €44 for families.
Frequently Asked Questions—Travel Insurance in Germany
1. Is travel insurance mandatory for visiting Germany?
Yes, travel insurance is mandatory if you’re applying for a Schengen visa or a national D visa. The policy must include at least €30,000 coverage, valid across the entire Schengen Area.
2. What does travel insurance in Germany cover?
Standard coverage includes:
- Emergency medical treatment
- Repatriation to your home country
- Trip cancellation or interruption
- Lost or delayed baggage
- Accidental death or injury
Coverage can vary depending on your provider and plan.
3. Can I use travel insurance to support my visa application?
Absolutely. Your travel insurance certificate must meet the German embassy or consulate’s visa requirements. We offer visa-compliant insurance plans at AtoZSerwisPlus.pl.
4. What is the minimum insurance coverage required for a Schengen visa?
You need:
- Minimum €30,000 in medical coverage
- Coverage valid for all 27 Schengen countries
- Inclusion of medical repatriation and emergency hospitalisation
5. How much does travel insurance cost in Germany?
Prices vary.
- Short-term travel insurance: from €50 for 30 days
- Long-term insurance for expats or students: around €30–€90/month
- Annual multi-trip plans: from €70/year
6. Can expats and students use travel insurance in Germany?
Yes. Expats, students, language learners, and researchers often use incoming travel insurance before registering with public or private health insurance.
7. What’s the difference between travel insurance and health insurance?
- Travel insurance is temporary and designed for short stays, emergencies, and visa support.
- Health insurance is mandatory for long-term residents and includes broader, ongoing coverage (doctor visits, prescriptions, etc.).
8. Do I need travel insurance if I have an EHIC card (European Health Insurance Card)?
If you're an EU citizen with an EHIC, you’re covered for necessary public healthcare. However, travel insurance is still recommended for things the EHIC doesn't cover, like trip cancellation or private medical care.
9. How do I file a claim with my travel insurance provider?
Most providers, such as Feather or HanseMerkur, allow digital claims. Simply:
- Take a photo of the invoice
- Upload it to your online account or app
- Track the reimbursement status
10. Where can I buy trusted travel insurance for Germany?
You can purchase reliable, visa-compliant travel insurance directly through AtoZSerwisPlus.de. Our team will help you select the right plan and expedite the processing of your documents.
