What coverage amount do I need for Germany?

For Schengen visa: minimum €30,000 medical coverage. For comprehensive protection, experts recommend: €100,000+ medical coverage, €1,000,000 medical evacuation, trip cancellation equal to your total trip cost, and €2,000+ baggage coverage. Higher-risk activities may require specialized coverage.

When should I buy travel insurance for my Germany trip?

Purchase within 14-21 days of your initial trip deposit to qualify for time-sensitive benefits like pre-existing condition waivers and Cancel For Any Reason (CFAR) coverage. For visa applications, you can buy anytime before applying, but earlier purchase provides more protection options.

Will my pre-existing medical conditions be covered?

Standard policies exclude pre-existing conditions unless you purchase a Pre-Existing Medical Condition Waiver. To qualify: buy within 14-21 days of initial deposit, insure 100% of trip costs, and be medically fit to travel when purchasing. Some providers like GeoBlue offer coverage without waivers if you have primary US insurance.

Does travel insurance cover adventure sports in Germany?

Standard policies often exclude adventure sports. For activities like skiing in Bavaria, mountain biking in Black Forest, or rock climbing, choose providers like World Nomads (150+ activities) or IMG with adventure sports coverage. Always verify your specific activities are covered before traveling.

Which provider is best for Schengen visa insurance?

Top choices: AXA Schengen (guaranteed compliance, visa refund if denied), DR-WALTER PROVISIT-VISUM (€1.10/day, German expertise), and HanseMerkur (German-based, embassy recognized). These specialize in visa-compliant policies with instant certificates and embassy acceptance.

How do I file a claim while in Germany?

Contact your insurer's 24/7 emergency line immediately. Keep all documentation: medical reports, receipts, police reports (for theft), proof of expenses. Many providers offer direct billing to German hospitals. File claims within 90 days. German-based insurers often have smoother local interactions.

What reasons are covered for trip cancellation?

Covered reasons typically include: illness/injury (you or family), death, job loss, jury duty, terrorism, natural disasters, and supplier bankruptcy. Cancel For Any Reason (CFAR) coverage allows cancellation for non-covered reasons but reimburses only 75% of costs.

What factors affect travel insurance cost?

Key factors: trip cost (higher = more expensive), traveler age (65+ costs more), trip duration, destination risk level, coverage limits chosen, and optional add-ons like CFAR. Budget plans start at €20-50, comprehensive coverage ranges €100-300 depending on trip value.

Should I buy annual or single-trip insurance?

Annual plans are cost-effective for 2+ international trips yearly. Single-trip offers more comprehensive coverage for specific journeys. Annual plans typically cover trips up to 30-90 days each. Consider GeoBlue Trekker for frequent medical-focused travel or Travel Guard Annual for comprehensive protection.

Is COVID-19 covered by travel insurance?

Most current policies cover COVID-19 like any other illness for medical treatment and trip cancellation if you contract it. However, coverage varies for: pandemic-related border closures, fear of travel, or quarantine requirements. Check specific policy terms and consider providers with explicit COVID coverage.

Travel Insurancefor Germany

Q: Do I need travel insurance if I don't need a visa (US, Canada, Australia)?

While not legally required, travel insurance is highly recommended for visa-exempt travelers. German healthcare is excellent but expensive for non-residents. A single emergency room visit can cost €2,000+, and medical evacuation can exceed €250,000. Most domestic health plans provide little to no coverage abroad.

2025 GUIDEExpert Reviewed

Compare 15 top providers, understand Schengen requirements, and find the perfect coverage for your German adventure

Schengen Compliant

€30,000+ coverage guaranteed for visa approval

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Top Providers

4.8/5

Customer Rating

40%

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Schengen Visa Insurance Requirements

Essential requirements for visitors from visa-required countries entering Germany and the Schengen Area

Mandatory Requirements

Minimum €30,000 Coverage

For medical emergencies and repatriation

Full Schengen Validity

Valid in all 29 Schengen member states

Complete Duration Coverage

Must cover entire length of stay

Emergency Services

Medical evacuation and repatriation of remains

Who Needs Schengen Insurance?

Visa-Required Countries

Citizens from these countries MUST have insurance:

IndiaChinaRussiaTurkeySouth AfricaBrazilThailandPhilippines

Visa-Exempt Travelers

US, Canada, Australia, Japan citizens: Not required by law, but highly recommended for financial protection.

Compare Top Travel Insurance Providers

Our expert analysis of 15 leading travel insurance providers for Germany travel in 2025

Filter by Need

8 of 8 providers

Tin Leg

Best Value

4.8

(12,600 reviews)

Most travelers seeking high value

Best ValueHigh Medical CoveragePrimary Coverage

$89

starting from

Gold Plan Coverage

Medical Coverage

$500K

Trip Cancellation

100% of Trip Cost

Evacuation

$500K

Baggage

$500

Pre-existing Condition Waiver

Cancel For Any Reason (75%)

Schengen Visa Compliant

Advantages

Exceptional €500K primary medical coverage
Competitive pricing

Considerations

Lower baggage coverage
Limited adventure sports coverage

AXA Schengen

Visa Specialist

4.8

(10,600 reviews)

Schengen visa applicants

Schengen ComplianceVisa GuaranteeGerman Expertise

€22

starting from

Premium Plan Coverage

Medical Coverage

€2.0M

Trip Cancellation

Limited

Evacuation

€1.0M

Baggage

€500

Pre-existing Condition Waiver

Cancel For Any Reason

Schengen Visa Compliant

Advantages

Guaranteed visa compliance
Visa refund if denied

Considerations

Limited trip protection
Medical coverage only

IMG (iTravelInsured)

Premium Choice

4.6

(12,000 reviews)

Luxury and adventure travelers

Comprehensive CoverageAdventure SportsFlexible Terms

$145

starting from

LX Plan Coverage

Medical Coverage

$500K

Trip Cancellation

100% of Trip Cost

Evacuation

$1.0M

Baggage

$3K

Pre-existing Condition Waiver

Cancel For Any Reason (75%)

Schengen Visa Compliant

Advantages

Highest coverage limits
Flexible pre-existing waiver

Considerations

Higher premium cost
Complex plan options

Travel Guard (AIG)

4.5

(15,000 reviews)

Families and brand-conscious travelers

Brand ReliabilityGlobal NetworkFamily Plans

$125

starting from

Deluxe Plan Coverage

Medical Coverage

$100K

Trip Cancellation

100% of Trip Cost

Evacuation

$1.0M

Baggage

$3K

Pre-existing Condition Waiver

Cancel For Any Reason (50%)

Schengen Visa Compliant

Advantages

Strong brand reputation
Excellent customer service

Considerations

Lower medical limits
Higher pricing

Seven Corners

4.5

(8,500 reviews)

Travelers prioritizing claims experience

Claims SatisfactionShort Delay PeriodFlexible Options

$98

starting from

Trip Protection Choice Coverage

Medical Coverage

$500K

Trip Cancellation

100% of Trip Cost

Evacuation

$1.0M

Baggage

$3K

Pre-existing Condition Waiver

Cancel For Any Reason (75%)

Schengen Visa Compliant

Advantages

6-hour delay trigger
91% claims satisfaction

Considerations

Variable medical limits
Limited brand recognition

World Nomads

Adventure Specialist

4.2

(3,900 reviews)

Adventurers and backpackers

Adventure SportsFlexible TravelPost-Departure Purchase

$75

starting from

Explorer Plan Coverage

Medical Coverage

Unlimited

Trip Cancellation

€10,000

Evacuation

$1.0M

Baggage

$4K

Pre-existing Condition Waiver

Cancel For Any Reason

Schengen Visa Compliant

Advantages

150+ sports covered
Buy/extend while traveling

Considerations

No CFAR option
Lower trip protection

DR-WALTER

Budget Choice

4.7

(5,200 reviews)

Students and budget-conscious visa applicants

German ExpertiseStudent FocusUltra-Low Cost

€1.1

starting from

PROTRIP-WORLD Coverage

Medical Coverage

Unlimited

Trip Cancellation

Limited

Evacuation

€1.0M

Baggage

€2K

Pre-existing Condition Waiver

Cancel For Any Reason

Schengen Visa Compliant

Advantages

Extremely affordable
German-based expertise

Considerations

Limited trip protection
Basic coverage options

GeoBlue

Medical Specialist

4.9

(7,800 reviews)

Travelers with health concerns

Medical ExcellencePre-Existing CoverageProvider Network

$156

starting from

Voyager Choice Coverage

Medical Coverage

$1.0M

Trip Cancellation

Limited

Evacuation

$500K

Baggage

$500

Pre-existing Condition Waiver

Cancel For Any Reason

Schengen Visa Compliant

Advantages

Elite medical network
No pre-existing exclusion

Considerations

Limited trip protection
Higher cost

Comparison Note: Prices shown are starting rates for basic coverage. Actual premiums vary based on trip cost, age, duration, and selected coverage levels. All affiliate links help support our free travel guides while connecting you with trusted providers.

Why Travel Insurance is Essential for Germany

Protect your health, finances, and peace of mind while exploring Germany

Medical Coverage

German healthcare is excellent but expensive for non-residents. A single emergency room visit can cost €2,000+. Medical evacuation to your home country can exceed €250,000.

Trip Protection

Protect your investment with coverage for trip cancellation, interruption, and delays. Get reimbursed for non-refundable costs if you need to cancel or cut your trip short.

24/7 Assistance

Access to emergency assistance services, medical referrals, lost passport help, and travel support whenever you need it during your trip to Germany.

Frequently Asked Questions

Expert answers to common travel insurance questions for Germany

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Most Asked Questions

Yes, if you need a visa to enter Germany, travel insurance is mandatory. The policy must provide minimum €30,000 coverage for medical emergencies and repatriation, be valid throughout all Schengen countries, and cover your entire stay duration. You must submit an insurance certificate with your visa application.

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Schengen Visa Insurance Requirements

Mandatory Requirements

Who Needs Schengen Insurance?

Visa-Required Countries

Visa-Exempt Travelers

Compare Top Travel Insurance Providers

Filter by Need

Tin Leg

Gold Plan Coverage

Advantages

Considerations

AXA Schengen

Premium Plan Coverage

Advantages

Considerations

IMG (iTravelInsured)

LX Plan Coverage

Advantages

Considerations

Travel Guard (AIG)

Deluxe Plan Coverage

Advantages

Considerations

Seven Corners

Trip Protection Choice Coverage

Advantages

Considerations

World Nomads

Explorer Plan Coverage

Advantages

Considerations

DR-WALTER

PROTRIP-WORLD Coverage

Advantages

Considerations

GeoBlue

Voyager Choice Coverage

Advantages

Considerations

Why Travel Insurance is Essential for Germany

Medical Coverage

Trip Protection

24/7 Assistance

Frequently Asked Questions

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