Travel Insurance
Travel Health Insurance for Germany & the Schengen Area
If Germany is your next travel destination, check whether you need to apply for a Schengen visa before you travel. If you need a visa to enter Germany or the Schengen area, you will generally need travel health insurance that meets the visa requirements.
Travel health insurance is also recommended for travelers who can enter Germany without a visa. Policies are often relatively inexpensive and can protect you from high costs resulting from an accident or illness while abroad.
When applying for a visa, the German embassy or consulate may require proof of travel insurance as part of the application. The exact requirements can vary depending on your nationality and visa type, so always check the specific requirements of the German embassy or consulate responsible for your application.
In general, travel insurance for visa purposes should provide:
- Coverage for medical emergencies, hospital treatment, and repatriation
- Validity for the entire duration of your planned stay
- Coverage that meets the applicable European requirements for visa applications
Requirements for Schengen Visa Travel Insurance
Travel health insurance for a Schengen visa generally needs to meet the following requirements:
- Coverage in Germany and, where applicable, throughout the Schengen area
- Minimum coverage of at least €30,000
- Coverage for urgent medical treatment and hospital care
- Coverage for repatriation for medical reasons
- Coverage for repatriation in the event of death
- Coverage for the entire duration of your planned stay
What Does Travel Insurance Usually Include?
Trip cancellation insurance covers eligible costs if you need to cancel or rebook your trip because of unforeseen circumstances, such as illness, an accident, or the death of a family member.
Trip interruption insurance can cover eligible costs if you need to interrupt your trip or return home earlier than planned because of a covered event.
Travel health insurance covers eligible medical expenses abroad, such as doctor visits, hospital treatment, and medication. Depending on the policy, it may also include medical repatriation.
Travel baggage insurance can cover your luggage in cases of loss, theft, or damage, subject to the terms of the policy.
Travel accident insurance can provide financial protection following an accident, including certain cases of permanent disability or death.
Travel liability insurance can cover certain damages you accidentally cause to other people or their property.
Choosing the Right Travel Insurance
Coverage varies between providers and policies, so carefully review the terms, exclusions, coverage limits, and benefits before purchasing a policy.
Travel insurance can be particularly useful for expensive trips, destinations with high medical costs, or situations where unexpected expenses could create a significant financial burden.
When Should I Buy Travel Insurance?
Arrange suitable travel insurance early, especially if you need it for a visa application. This ensures that you have valid proof of insurance when submitting your application and that your coverage is in place before you travel.
Find a Provider
We've listed the most common travel insurance providers — just click the link to go directly to the provider.