uk travel insurance for germany

Top Travel Insurances for Germany You Should Know in 2024

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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

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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.

• 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.

• 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)!

• 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

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Foreign travel advice

Warnings and insurance

The Foreign, Commonwealth & Development Office ( FCDO ) provides advice about risks of travel to help British nationals make informed decisions. Find out more about FCDO travel advice .

Before you travel

No travel can be guaranteed safe. Read all the advice in this guide as well as support for British nationals abroad which includes:

• advice on preparing for travel abroad and reducing risks
• information for women, LGBT and disabled travellers

Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also sign up to get email notifications when this advice is updated.

Travel insurance

If you choose to travel, research your destinations and get appropriate travel insurance . Insurance should cover your itinerary, planned activities and expenses in an emergency.

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Germany travel insurance

If you're planning to travel to Germany with pre-existing medical conditions, AllClear can help. Travel insurance for Germany can cover you for unexpected medical emergencies and cancellation costs.

Page contents

Why do you need travel insurance for germany.

Travel Insurance for Germany will cover you for medical emergencies and cancellation costs.  Your personal belongings will also be covered in case you lose them while abroad.

Comprehensive Cover when travelling to Germany

Many travellers venture to Germany every year. 39.56 million people travelled to Germany in 2019. So, what attracts so many people?

Germany has a versatile landscape consisting of coastlines and mountainous regions. Mostly, it’s known for its dense forests. Its most famous being the Black Forest, which stretches for 6,009 km² . It is thought to be the inspiration for many Brother Grimm fairy tales.

It’s an ideal location for those who love nature or the hustle and bustle of modern cities.

If you’re thinking of travelling to Germany, here’s what you can expect should you trust your Travel Insurance to AllClear:

• Access to up-to-date travel insights from around the world
• A clear understanding of what’s included within your chosen policy
• Answers to your frequently asked Travel Insurance questions

As the UK’s No.1 for Travel Insurance 2 , you could benefit from the following: 

• Coronavirus cover that has been rated Superior by a leading independent UK consumer champion
• Travel Insurance for pre existing conditions
• Flexible cancellation cover with no upper age limit

What Should Travel Insurance for Germany Cover?

You need the right Travel Insurance to suit you and your trip. Policy Essentials should include:

Medical expenses cover – Your policy should cover unexpected medical expenses, including all pre-existing medical conditions. A good policy will include repatriation to the UK!

Travel delay and transport disruption – If you have booked your transport in advance, should you experience unexpected delays, then a Travel Insurance policy might cover you for any losses or cancellations.

Cancellation cove r – If a pre-existing medical condition means that you have to cancel your holiday, your policy will be able to cover any financial losses for cancellation or curtailment.

Personal property cover – A policy should include cover for any loss or theft of your personal property or luggage.

Benefits of AllClear Cover

Join the uk’s most trusted travel insurance provider 1.

If you’re looking for premium Medical Travel Insurance that you can trust, it’s time you travelled with AllClear. We’ve helped over 3 Million travellers since 2000. 99% 4 of customers would recommend us to family and friends.

Here’s what our customers have to say about their AllClear experience:

“We have been insured with All Clear for several years. Travel Insurance is something we don’t often think about when we go on holiday, but it is essential as we found out. We have had to claim on this insurance after two separate serious leg injuries in Austria and Germany. AllClear was very professional and helped us through this difficult time. They were in touch with the hospital directly, organising treatment, discharge and flights home, plus a taxi to the door. They arranged everything perfectly and kept me informed all the time…” – Mr Greene .

Read AllClear Trustpilot Reviews

Simple 3 step quote process, 1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes, frequently asked questions, what is the hottest time to go to germany.

The peak temperature occurs in Germany in August. Average highs at this time reach around 22C . It’s generally a colder country than some of its bordering European neighbours such as France .

What does the GHIC cover in Germany?

GHIC , Travellers going to Germany can use the GHIC scheme to help cover the costs of emergency medical treatment.

However, repatriation is not covered by the scheme, even if related to a medical emergency. A GHIC also doesn’t cover cancellation or cutting short your trip.

You should not rely solely on GHIC. You should buy Travel Insurance that covers all aspects of your trip.

What is Germany famous for?

Although not traditionally thought of as a holiday hotspot, Germany has plenty to offer. While visiting, why not explore the Black forest or attend Oktoberfest ? As a destination, Germany also provides Christmas markets , castles , and carnivals .

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Ranked first Overall for Travel Insurance on SmartMoneyPeople.com from over 14,300 independent customer reviews on 27/01/2021.

3 Research-based those that took part in AllClear’s Summer Survey, July 2021. 1440 respondents.

4 Based on 166 AllClear customers surveyed in April 2021.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 24 November 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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