Travel insurance Germany

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Germany travel insurance requirements

Do we need travel insurance for travel to Germany?

Travel insurance for Germany is not mandatory but is highly recommended, especially for travelers from the USA. It is essential to have travel medical insurance to cover medical emergencies, trip cancellations, lost or delayed luggage, and other unforeseen events during your trip to Germany.

Which is the best insurance for travel to Germany?

Patriot International Lite: Best travel insurance for Germany with coverage for US and Non US citizens. Coverage for acute onset of pre-existing conditions up to maximum limit up to 70 years.

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How to compare & buy cheapest travel insurance for Germany?

  • Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.
  • Compare the cost of Germany insurance for tourists and review the benefits to identify what fits your needs best.
  • Buy health insurance for Germany Now that fits your needs and budget best by using a credit card and completing the online application. You can contact American Visitor Insurance, we are open 24 hours, 7 days a week with customer support staff in different time zones of the country.
  • Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Best travel insurance to Germany

Do you need health insurance to travel to Germany?

Travel Insurance is mandatory while applying for the Germany Schengen visa which allows you to travel to Germany and the 29 countries in Europe. The Finns consulate has guidelines for the insurance which satisfy Germany visa requirements.

Tourist insurance coverage for emergency cases, hospital stays, evacuation is the minimum requirement that will put your mind at ease when you are in Germany. We have the best travel insurance for Germany which satisfies Germany visa requirements.

Germany travel insurance requirements

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What is the best travel insurance to Germany?

  • Coverage includes Emergency Medical Evacuation, Hospital Room and Board...
  • Policy maximum covers up to 1M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years
  • Provides comprehensive medical coverage, emergency evacuation, and repatriation...
  • Policy maximum covers up to 2M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 79 years

Safe Travels International
Trawick International

  • Coverage includes travel delay, emergency medical evacuation, repatriation, emergency services...
  • Policy maximum covers up to 1M
  • Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65

Travel insurance from USA to Germany

Traveling to Germany

Germany has always been a popular destination for American vacationers, expatriates and students. As the largest country in western Europe, with a population of 80 million residents, its cultural centers like Berlin, Munich, Stuttgart, Frankfurt and Hamburg attract millions of tourists annually making Germany the seventh most visited nation globally.

As the most powerful economy in Europe, the German labor force is renowned for its strong work ethic and technological innovation especially in the automotive and manufacturing sectors. This attracts many US businesses and workers who collaborate with Germany industry.

One should remember that while most advanced countries offer the world’s best healthcare systems, it is also expensive. Visiting a hospital without insurance is scary. It is vital that Americans have good travel medical insurance while traveling to Germany. A travel medical insurance plan will provide coverage for medical expenses incurred in case of any injury or illness.

At American Visitors Insurance one can compare several plans for prices and benefits from the comparison tool and also can get instant policy documents by Email. Their 24/7 customer support assistance by one of the licensed service agents will provide answers to all questions by the customers. Buying travel medical insurance for international travel is easy at American Visitor Insurance. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

Best travel insurance for Oktoberfest

Oktoberfest is the most famous beer festival in the world. It is held annually in Munich, Germany, typically from late September to the first weekend in October. Oktoberfest attracts millions of visitors each year, making it one of the largest festivals in the world. On average, Oktoberfest draws about 6 to 7 million visitors each year. In some years, this number can exceed 7 million. Approximately 15-20% of attendees are from outside Germany, representing countries such as the United States, the UK, and various European nations.

travel insurance for Oktoberfest Germany

The festival attracts a diverse crowd, from young adults to families and seniors, creating a lively mix of cultures and backgrounds. These tourists come to enjoy the lively atmosphere, traditional Bavarian music, delicious food, and, of course, a wide variety of beers, mainly from Munich breweries. Visiting Oktoberfest is a memorable experience filled with culture, community, and, of course, great beer!

When traveling to the Oktoberfest, international travel insurance provides crucial protection for your trip. It is in fact mandatory to buy Oktoberfest travel insurance for those who need German visa. Traveling to Germany can be an exciting experience but a sudden sickness or injury occurs may requires emergency medical treatment which will be and Insurance helps cover these unexpected expenses. Many US travelers book their trip well in advance. Should they need to cancel or change their travel plans due to illness, family emergencies, or other unforeseen circumstances, Oktoberfest travel insurance with trip cancellation coverage can reimburse them for non-refundable expenses like flights and hotel bookings.

Other benefits of travel insurance for Oktoberfest include coverage for costs of replacing loss of items or personal belongings. Travel insurance for Germany Oktoberfest can cover evacuation to a medical facility or back to their home country. Knowing that travelers are protected against unexpected events with the best US travel insurance available on American Visitor Insurance, they can fully enjoy the festivities without worry.

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Germany FlagGermany - General Information

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Capital
Berlin
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Population
Around 84 million
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Location
Western Europe
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Currency
Euro
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Language
German, English, French
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Best time to visit
between May and Sept.
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Vacation spots
Berlin, Munich, Frankfurt, Cologne, heidelberg, Hanburg, Black forest, Potsdam, Koblenz, Passau.

Why travel insurance is necessary for Germany?

Travel insurance is crucial for those traveling from the USA to Germany for several important reasons:

  • Medical Emergency: Medical emergencies can arise in Germany, and healthcare costs in private or international hospitals, can be very expensive for foreign travelers. Travel insurance helps prevent unforeseen medical expenses from being too heavy on the pocket and allows one access to quality care.
  • Emergency Medical Evacuation: For instance, in the event of severe medical conditions or accidents, travelers may be airlifted to another city or even to the USA for proper medical attention. Insurance helps in paying the costly evacuations and provide peace of mind during times of crisis.
  • Trip Cancellation or Interruption: Travel may also get ruined by unexpected events, such as family emergencies, natural disasters, or political instability. Most travel insurance policies cover a prepaid trip cost not refundable. In addition to coverage, travelers can opt for Cancel for Any Reason (CFAR) insurance, which allows you to cancel your trip for any reason. And usually reimburses 50-75% of non-refundable trip costs, but it must be purchased within a specific timeframe.
  • Lost or Stolen Belongings: Luggage, passports, or other personal effects can be stolen or lost. Insurance may cover the cost of replacing the lost or stolen items and limit your inconvenience caused.
  • Natural Calamities and Political Turbulence: Trip insurance will cover the expenses if a natural calamity or political turbulence took place that requires evacuation or extended staying.

Due to this, citizens from the USA going to Germany must also get extensive travel insurance, which can reduce the risks and enable an even more safely hassle-free trip.

How much does travel insurance Germany cost?

The average cost of best Germany travel insurance trip starts from $11 per day and it can vary depending on several factors like the age, trip duration, the coverage maximum, and any additional add-ons or options you select. On average, travel insurance costs for international travelers can range from $53 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to compare international travel insurance quotes from different insurance providers on American Visitor Insurance.

ETIAS for US travelers to Germany

Starting in 2025, US travelers to Germany should apply for an ETIAS (European Travel Information and Authorization System). ETIAS is an electronic travel authorization system similar to the US ESTA (Electronic System for Travel Authorization). However, ETIAS is not a visa, but a pre-travel clearance for short stays up to 90 days in Germany. Along with ETIAS it is important for travelers from USA to buy travel insurance for Germany, since Medicare and most US health insurance plans do not provide coverage in Germany.

Is a French visa needed for US Green Card holders?

US Green Card holders will need an Germany visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Travel insurance for Germany visa for Green Card Holders is required while applying for an Germany visa. Green card holders travel insurance requirements for Germany include medical expenses of at least €30,000. US Green Card Holders can buy travel insurance to satisfy Germany visa requirements for their visa application on American Visitor Insurance.

Popular tourist destinations in Germany

Travel insurance for the Brandenburg Gate

The Brandenburg Gate

Berlin's most famous historic landmark is the Brandenburg Gate, once a symbol of a divided nation and now a symbol of unity and peace.

Travel insurance for Tierpark Hagenbeck

Tierpark Hagenbeck

The city's zoo, was established in 1907 to house a collection of exotic animals owned by a local fishmonger, Carl Hagenbeck.

Travel insurance for Casa do Cabildo

Casa do Cabildo

Also known as the King's Lake.This lovely Bavarian lake is one of the great beauty spots of the region known as Berchtesgadener Land.

Travel insurance for Sanssouci Park and Palace

Sanssouci Park and Palace

The Palace with huge park and many works of art like exquisite Chinese House, an extremely elaborate garden pavilion, and a wonderful Roman Baths complex.

Do you need Schengen visa insurance for Senior Citizens?

Travel health insurance for visiting Germany

Long term German Visa Insurance

US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries.The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).

Long term Europe Visa Insurance

Due to Ukraine war we are seeing severe labor related disruptions in flights and rail services which is adding to the uncertainty of travel in Europe. US citizens are advised to buy travel insurance for German even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to German and need a travel visa.
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German Group travel Insurance

Travelling in groups? Get the best Group travel insurance quotes!

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Safety suggestions for travelers to Germany

Germany is one of the safer countries to travel in anywhere in the world. Its crime rates have been dropping in recent years. However, foreigners need to be watchful while they are outside their familiar surroundings. The should be on the lookout for petty criminals and pickpockets, particularly near popular tourist zones like shopping centers, bus terminals, train stations, museums and hotels.

Be careful so as to protect all personal belongings, and ensure that all valuables are kept in a safe location. It is safe to keep a copy of your passport at all times in case of an emergency. During the summer months, there is intense heat and dehydration is common. Make sure that you stay hydrated by drinking lots of fluids at regular intervals.

It is prudent to know the location of the US embassy and police contact information in case of any emergency. There is an U.S. Embassy in Berlin for any emergency.

Dietary considerations in Germany

German food while largely similar can take some adjusting for US nationals. The local cuisine has a lot of meat, potatoes with heavy noodles. Travelers should be prepared for dietary changes and the impact it can have on the travellers physique. US citizens should also be watchful about alcohol and tobacco usage given that it is quite common here when compared to the US. Ensure that you stay moderate in your alcohol consumption and in smoking.

German visa information and requirements

  • Travel insurance coverage of €30,000 (the equivalent being about $50,000 USD) with coverage for accidents, sudden illness for the entire length of stay.
  • A repatriation benefit.
  • An emergency medical evacuation benefit.
  • The insurance provider must have an office in Europe.
  • German citizens need a Schengen visa to travel to Schengen countries for stays longer than 90 days within a 180-day period.

Travel insurance for Germany, Germany healthcare for tourists

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Travel Insurance for Germany FAQ

FAQs about travel insurance for Germany travelers.

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Germany Travel Insurance Blog

Blog about travel health insurance Germany travelers.

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Travel Insurance to Germany Forum

Customer Queries for USA travelers to Germany travelers.

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Germany healthcare insurance for tourists - FAQ's

1. Is travel insurance necessary for Germany?, Do I need travel insurance for Germany?

If you need a visa for traveling to Germany (Schengen visa), then - Yes, Germany travel insurance is necessary for applying for the Schengen visa. The Germany visa travel insurance requirement is a minimum coverage of 30,000 Euros.

If you a citizen of a country which does not need a visa for traveling to Germany, then buying travel insurance for Germany is not mandatory for visits of less than 90 days. However given the cost of healthcare in Germany, and that domestic health insurance offers little health insurance outside your home country, it is strongly recommended to buy travel insurance for Germany.

2. How can I get travel medical insurance for Germany?

Travelers to Germany who need the Schengen visa can buy Germany visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Germany visa consulate requirements. Once you complete buying the Germany visa travel insurance online, you can download the required Germany visa letter which you can submit while applying for the Schengen visa

3. How much is travel insurance for Germany visa?

The cost for the Germany visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Germany travel insurance required, the greater will be the cost. Our Germany visa insurance application quote facility lists the travel insurance that satisfy Germany visa consulate requirements.

4. Who needs the Germany visa?

Anyone traveling to Germany from any of the list of 'Schengen visa required countries' needs the Schengen visa (Germany is included in the Schengen visa). For travelers from any of the 'Schengen visa exempted countries', who want to stay in Germany for more than 90 days also need to get the Long stay in Europe visa

5. How to apply for a Germany visa?

One should apply for the Schengen visa in the consulate of the Schengen state that you are traveling to. The traveller should complete the required Schengen visa application, along with other required documents, such as the travel itinerary, proof of adequate financial means and Schengen visa insurance letter. Please refer to the Schengen state consulate that you are visiting for the complete information regarding applying for the Schengen visa.

6. Do Germans need health insurance to come to the US?

This depends on the travelers and their specific situation. The Trump administration has recently made a decision that affects some German travelers especially if they are trying to immigrate to the US and requires them to have health insurance while in the US. At this time, there are no specific requirements on the travel insurance, so travelers from Germany can buy any of the plans we offer for whatever length of time is required. Travelers from Germany should anyway consider getting adequate coverage given the high costs of US medical care.

7. What is the best German visitor insurance in USA?

To help travelers from Germany find the best visitor insurance in USA, we work with all the reputed insurers and give our customers a wide range of options. German visitors can compare the different visitors insurance plans using the compare German visitors medical insurance tool. Here visitors can review the different options based on their price along with the different coverage benefits. Since the best visitor insurance for Germans varies depending on the needs of different travelers, the compare visitor health insurance tool helps visitors from Germany find the best US visitor insurance plan for their specific needs.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

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Travel insurance from Germany to USA

German tourists in the US and need for US travel insurance

Herzlich willkommen ! Over 2 million German tourists visit the US annually. The Germans are the second largest nationality of Europeans after the British and the seventh worldwide as visitors to the US. The average period of stay for German visitors to the US was 11 nights in 2017.

The main purpose of Germans visiting the US is; vacation (59 percent), visiting friends and family (18 percent), work (13 percent), convention, trade shows, conferences (6 percent), and education-related travel (three percent).

USA travel insurance for germans

The top activities while in the United States include shopping (86 percent), sightseeing (81 percent), visiting smaller towns and countryside (45 percent) and seeing historical sites (40 percent).

German tourists are mostly attracted to New York state and to New York City. They also like the wide open spaces in the Pacific North West, California, Florida and the mid-western region of the United States which between them is home to many national parks. Tourists from Germany also visit the cities of New York, Boston, Los Angeles, San Francisco, Philadelphia and Washington D.C. in large numbers.

The most visited US states are New York, Florida, and California. There are over 350 weekly non-stop transatlantic flights from Germany to the US as of the winter of 2018/2019. Six airlines (American Airlines, Condor, Delta Air Lines, Eurowings, Lufthansa and United Airlines) offer non-stop flights from five German airports to 23 U.S. airports.

Travel health insurance for Germany citizens in USA

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International student insurance for Germany students in USA
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International medical insurance for Germany students in the United States

The number of German students in the US fell by 47%, from 10,193 students in 2014/15 to 5,364 in 2020/21, and there was a 59.4% increase in 2021/22 from 5,364 to 8,550. There are about 8,550 students from Germany currently studying in the United States. Most of the students from Germany are in Undergraduate programs while about 25% are Graduate student and another 10% in the Optional Practical Training (OPT) status.

Given the expensive healthcare system in the US it is important for students from Germany to buy adequate student medical insurance in the United States. While most Universities offer student medical insurance, the college student insurance is expensive, and students would prefer outside student insurance if the university allows it.

The international student insurance plans that we provide are more affordable than college student insurance plans while having similar benefits. Our OPT student insurance plans are also very popular with German students on the Optional Practical Training (OPT) status.

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What does visitors medical insurance cover?

  • Health care expenses: Covers hospital expenses for sickness or accidents.
  • Doctor visit: Insures Doctor visits for sudden injury or sickness.
  • Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
  • Medical evacuation: Medical evacuation expenses to nearest facility included.
  • Repat of remains: Repatriation of remains to home country included.
  • Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.

USA visa health insurance, Visitor visa health insurance USA

Travel health insurance for visiting Germany

There is a very strong historic relationship of immigration from Germany and the United States of America, and this has been further strengthened with large amount of trade and commerce between the two countries. Millions of Germans have migrated to the US in different stages of the US history. From the 1770s migration began to the United States from Germany and the rest of Europe largely for better living conditions.

The Germans have contributed hugely to the building of modern day American nation. However irrespective of how far the Germans have spread in the US and however diverse their way of life has been, the remain strongly connected to their cultural heritage. While in the US the German-Americans have their newspapers, stores and churches which keeps them rooted to the German culture.

In an attempt to keep the connections back in their ancestral country, many Germans travel back and forth between Germany and the US to meet family and friends. There is an attempt to imbibe German culture to the next generation while also visit family whom they have left behind while migrating to the US. Travelling overseas to Germany requires detailed planning and it often exposes one to risks.

Travel insurance for German citizens

Steps to buy
US visitor travel insurance online

search 1: Finding the best health insurance for foreigners

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

balance 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

attach_money 3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

description 4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

us visitors insurance online

Factors to buy best travel medical insurance USA

Age of the traveler

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

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Single Trip Travel Insurance

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Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

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Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

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Travel insurance for trip cancellation for Non US residents

List of best visitors insurance companies in USA

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

List of best visitors insurance companies in USA

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