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Travel insurance for Germany

Compare travel insurance for Germany

Jake Edmonds
Written by  Jake Edmonds
8 min read
Updated: 06 Mar 2024

Here’s what you need to know about having the best holiday in Germany’s beautiful cities and countryside. But remember to sort out your travel insurance!

Germany is a country steeped in history, bursting with cultural richness, and home to picturesque landscapes that range from the pulsating nightlife of Berlin to the quaint traditions of Bavaria.

Whether you're planning to marvel at the architectural wonders, indulge in the local cuisine, or simply soak in the diverse cultural offerings, it's crucial to ensure that your travel experience is safeguarded.

That's where travel insurance comes into play, offering a safety net that can protect your travel investment and provide peace of mind.

Is travel insurance necessary for Germany?

Travel insurance is a recommendation for anyone venturing to Germany. The unexpected can happen, and when it does, you'll want to be prepared.

Whether it's an illness, an accident, or the inconvenience of lost baggage, having travel insurance means you're covered for those emergency expenses. It allows you to immerse yourself in the joys of your trip, without the nagging worry of potential disruptions.

Travel insurance is a traveller's ally in ensuring peace of mind and enhancing your holiday enjoyment.

Brandenburg Gate, Germany

Choosing the right travel insurance policy

When it comes to selecting a travel insurance policy, one size does not fit all. Your choice should be tailored to the nature of your trip:

  • For those taking a singular journey to Germany, single-trip travel insurance is a straightforward choice. Simply put Germany as your destination and you're on your way.

  • If your adventure spans multiple countries, multi-trip insurance is the go-to. Ensure each country on your itinerary is listed as multiple destinations.

  • For the intrepid backpackers, backpackers’ insurance offers tailored coverage for your unique journey.

  • Frequent travellers may benefit from an annual multi-trip travel insurance policy. Venturing beyond Europe to the USA, Canada, or Caribbean? Make sure to select a worldwide policy that includes these destinations.

What your travel insurance should include

A comprehensive travel insurance policy for Germany should have you covered on all fronts:

  • Medical expenses: While the Global Health Insurance Card (GHIC) are recognised in Germany for emergency healthcare, they are not substitutes for comprehensive travel cover

  • Repatriation costs: Should you need to be medically returned to your home country, your policy should cover this

  • Cancellation or curtailment: Coverage should begin from the day you book your trip, protecting you against unforeseen events that necessitate cancelling or cutting short your trip

  • Delay and missed departure: For those unexpected travel interruptions, ensure your policy includes coverage for delays and missed departures

  • Baggage cover: Protect your belongings against loss, theft, or damage

  • Passport cover: Expenses related to lost or stolen passports should be included

  • Personal liability: In case you're legally liable for injury or property damage, this coverage is essential

Understanding insurance excess

Insurance excess is the contribution you make towards a claim. It's crucial to select an excess that's affordable, as it should not leave you out of pocket when you need to claim.

While a higher excess might reduce your premium, it should be within a range that's manageable in the event of a claim.

Exclusions to watch out for

Be mindful of exclusions in travel insurance policies:

  • Pre-existing medical conditions: These may require a higher premium or a special policy for pre-existing conditions

  • Civil unrest and natural disasters: Incidents related to these are typically not covered

  • Alcohol consumption: Accidents or incidents under the influence may void your coverage

  • High-risk activities: Unless you have appropriate ski insurance or winter sports cover, these activities may not be included

Safety and emergency assistance in Germany

Germany is known for its safety, but like any travel destination, it's wise to be vigilant, especially against pickpockets in crowded areas. In case of an emergency, dial 110 for medical and fire emergencies, and 112 for the police.

While the crime rate is low, it's always better to be cautious. The locals are generally helpful in emergency situations.

Finding the best travel insurance deal

Travel insurance prices can vary widely, making it essential to compare policies. With MoneySuperMarket's comparison tool, finding a suitable policy at a competitive rate is a breeze.

The right travel insurance ensures a worry-free trip, allowing you to fully immerse yourself in the German experience.

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