Germany Travel Insurance: Plans & Prices
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Reviewed By Last updated: 08/18/2025
Key Takeaways
- Our analysis shows that Tin Leg, Travel Insured International, and IMG offer the best travel insurance for Germany.
- Germany’s healthcare is high quality, but not free for tourists. So, ensuring your health is protected abroad can cost less than $4 a day for a Medical-Only coverage plan (which doesn’t include trip cancellation).
- Given the Level 2 travel advisory issued by the U.S. State Department due to domestic terrorism, it’s smart to keep yourself safe and tethered to U.S. support in case of evacuation.
- When selecting your insurance plan, remember that standard policies may not cover winter activities or local adventures. Consider adding the Sports & Activities benefit for comprehensive coverage.
- Try our online travel insurance comparison tool to get quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369
Our Top Recommended Germany Travel Insurance Plans
- Tin Leg – Gold is an affordable plan that offers comprehensive coverage. Our recommended benefit amounts are $100,000 for travel health insurance and $500,000 for Medical Evacuation, with coverage for 250+ activities, such as walking tours or bike rentals through historic areas. This plan prioritizes protection and adventure in equal measure.
- Travel Insured International – FlexiPAX is an exceptionally customizable insurance plan that allows you to tailor coverage to your travel needs. It provides our suggested coverage amounts and primary health insurance limits, eliminating the need to check with your U.S. health insurance provider in advance. This plan is perfect for travelers who desire flexibility and medical protection.
- IMG – iTravelInsured Choice is also a comprehensive plan with trip cancellation that provides our recommended $100,000 for travel health insurance and $500,000 in medical evacuation coverage. It delivers extensive global support, making it ideal for long vacations or travelers visiting multiple destinations.
Do I Need Travel Insurance for Germany?
No, travel insurance is not required to visit Germany. Still, it is highly recommended for travelers because of the prepaid, nonrefundable trip costs, guaranteed medical coverage in case of an injury or illness, and the Level 2 travel advisory issued by the U.S. State Department.. Also, despite Germany’s trustworthy and high-quality healthcare system, U.S. visitors without travel health insurance will be left paying for services out of pocket since domestic health insurance plans are not honored in Germany.
Additionally, Germany’s efficient but busy ttransportation network. is often impacted by delays or cancellations due to labor strikes. So, trip interruption or cancellation benefits can help reimburse for rescheduling or other itinerary mishaps.
Reasons You May Need Travel Insurance for Germany
Medical Emergencies During Urban or Rural Travel
Even with an exceptional health care system that is nearly free for citizens, Germany’s healthcare is not free for tourists. So if you’re injured when biking through the Black Forest, exploring castles in Bavaria, or even sightseeing in Berlin, for example, you could be stuck covering high out-of-pocket expenses without insurance. Private hospitals often require upfront payment, and U.S. health plans don’t cover care abroad. You can head on your trip prepared by checking the CDC’s packing list, and if you need to, you can reach emergency services in Germany by dialing 112.
✅ Choose a travel insurance plan that includes at least $100,000 in Emergency Medical coverage and between $250,000 and $500,000 in Medical Evacuation, particularly if you plan to take day trips outside major cities.
Terrorism, Transit Strikes, and Travel Disruptions
Public transportation in Germany is reliable, but strikes, technical failures, or delays, particularly with Deutsche Bahn (rail) and regional air carriers, often impact it, leading to missed connections or overnight delays. There are many online debates about “how bad the Deutsche Bahn” really is, and while we can’t weigh in, we recommend being prepared.
Also, remember that the State Department currently rates Germany at a Level 2: Exercise Increased Caution due to the ongoing threat of terrorism. While large-scale incidents are rare, authorities monitor credible threats against public spaces, including transit hubs, tourist sites, and major city centers. So it’s always better to be safe.
✅ Look for Travel Delay and Trip Interruption coverage to get reimbursed for meals, hotels, and transportation if your travel plans are unexpectedly derailed.
Adventure Activities and Outdoor Excursions
Germany is more than castles; WWII History. Adventurers often head to Deutschland for e-bike riding along the Rhine, hiking in the Bavarian Alps, skiing in the Zugspitze region, or even more adrenaline-fueled activities. While fun and thrilling, most basic insurance policies may not cover injuries from these activities. Also, Germany encourages travelers to register with the German “Alpen Verein to stay in areas designated for adventure activities, and if there are issues, you can be located easily.
✅ Select a policy with Adventure Sports or Activities coverage to protect popular excursions in urban areas, such as cycling tours, hiking, skiing, or guided Segway tours.
Theft or Pickpocketing in Tourist Areas
Pickpocketing can happen in crowded places such as Berlin’s Alexanderplatz and Munich’s Marienplatz and on public transportation. Losing your phone, wallet, or travel documents can swiftly derail your trip, be costly, and leave you without proof of identity.
✅ Travel insurance with Baggage and Personal Belongings coverage can reimburse you for stolen or lost items, and it could help you recover more quickly and efficiently.
Compliance with Schengen Area Requirements
Although U.S. citizens don’t need a visa for brief trips to the Schengen Area, we recommend having travel insurance that meets Schengen criteria, with a minimum coverage of €30,000.
✅ U.S. citizens do not need a Schengen visa. With a valid U.S. passport, you can remain in the Schengen area for up to 90 days within a 180-day timeframe. If your travel plans exceed the 90-day limit, you might need to obtain a long-term visa or residency permit from the country where you plan to spend most of your visit.
More Details on the Best Travel Insurance for Germany
Best Overall Travel Insurance
Recommended Plan: FlexiPAX
Emergency Medical: $100,000
Medical Evacuation: $500,000
Trip Cancellation: 100% of trip costs
Trip Interruption: 150%
Best Luxury Travel Insurance
Recommended Plan: Gold
Emergency Medical: $500,000
Medical Evacuation: $500,000
Trip Cancellation: 100% of trip costs
Trip Interruption: 150%
Best Travel Insurance for Seniors
Recommended Plan: iTravelInsured Choice
Emergency Medical: $100,000
Medical Evacuation: $500,000
- Trip Cancellation: 100% of trip costs
Trip Interruption: 150%
How Much Does Travel Insurance to Germany Cost?
Germany may be known for its efficiency, but your travel plans may not meet that standard. Over the past year, Squaremouth travelers spent an average of $311.05 on comprehensive insurance for a 16-day trip, or about $19.44 per day to protect an itinerary worth roughly $4,612. Think rail passes, museum tickets, and those charming boutique hotels in Bavaria.
For those who prioritize health and safety over non-refundable expenses, a Medical-Only plan offers a much more affordable option. For example, on a 22-day trip, travelers can find plans that cover only medical needs for as little as $3.76 per day, resulting in a total premium of $82.63.
Medical-Only Travel Insurance Cost Example
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical/Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Gold | $28 | $0 / $0 | $500,000 / $500,000 |
| Travel Insured International | FlexiPAX | $27 | $0 / $0 | $100,000 / $500,000 |
Comprehensive Travel Insurance Cost Example
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical/Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Gold | $160 | $3,000 / $4,500 | $500,000 / $500,000 |
| Travel Insured International | FlexiPAX | $113 | $3,000 / $4,500 | $100,000 / $500,000 |
| IMG | iTravelInsured Choice | $88.20 | $3,000 / $3,750 | $100,000 / $500,000 |
Quote Germany Travel Insurance
What travel coverage do you need for Germany?
Travel Medical Coverage
While Germany has an excellent healthcare system, to which about 88 percent of the population contributes and receives primary coverage, medical services are not free for tourists. U.S. health insurance often doesn’t cover international travel, and you may be required to pay for services upfront.
✅ Choose a travel insurance plan with at least $100,000 in emergency medical coverage to ensure access to necessary healthcare without unexpected expenses.
Medical Evacuation Coverage
When exploring the rural areas of Germany or participating in outdoor activities, you might suffer an injury or fall ill, and receiving the necessary medical care could be challenging. Consequently, you may need to be evacuated to a major hospital for specialized medical treatment, which can be costly.
✅ We recommend getting a policy that offers between $250,000 and $500,000 in medical evacuation coverage, depending on who is in your group, pre-existing health conditions, or age-related risk. This will help ensure you’re covered for any potential transportation costs to the proper medical facilities when needed.
Trip Cancellation and Trip Interruption Insurance
Luxurious river cruises on the Rhine and cultural excursions in Berlin or Munich are typically prepaid and nonrefundable. Nevertheless, Trip Cancellation insurance can help offset costs associated with unexpected events like family emergencies, illness, or labor strikes. Furthermore, trip interruption coverage can aid in covering expenses if you need to return home sooner than planned.
✅ This is only possible if you have a comprehensive plan, which includes medical coverage and trip cancellation coverage (in addition to other standard and add-on benefits). So, if this is appealing, consider not getting a Medical-Only plan.
Terrorism and Civil Unrest Coverage
Germany currently has a Level 2: Exercise Increased Caution advisory from the U.S. State Department, partly due to the ongoing risk of terrorism. While incidents are rare, they can still occur in public spaces, transportation hubs, or areas with heavy tourist traffic.
✅ Select a plan that includes coverage for Trip Cancellation or Interruption due to terrorism. Some plans also offer non-medical evacuation benefits if unrest impacts your safety while abroad.
Insurance for Baggage and Personal Items
Exploring Germany’s vibrant cities and navigating public transportation can sometimes lead to worry about misplaced or stolen belongings, so it’s good to stay vigilant.
✅ Ensure your plan includes baggage and personal items coverage to reimburse losses and help replace essential documents or items.
Sports and Activities Coverage
Germany attracts visitors with many exhilarating physical activities, from hiking the breathtaking Bavarian Alps to skiing in picturesque Garmisch-Partenkirchen, or just a simple bike ride along the historic Rhine River. However, risks are everywhere, and injuries can happen to anyone. So, it’s good to remember that travel insurance policies usually won’t cover injuries associated with risky activities, especially those involving altitude, speed, or other heightened risks.
✅ Choose an Adventure Sports upgrade plan for biking, skiing, hiking, or outdoor excursions. This ensures coverage for medical care or evacuation if injured.
What Isn’t Covered by Germany Travel Insurance Plans?
Even the best travel insurance policies have limits. Knowing what isn’t covered is as important as understanding the benefits, especially when planning a luxurious or adventurous trip across Germany. Sidestepping these typical pitfalls can prevent denied claims and costly surprises.
High-Risk Activities Without Proper Add-Ons
Activities like alpine skiing, mountain biking, and other adventure sports might not be covered by standard insurance policies, forcing you to pay out-of-pocket for any rescue or medical care you need.
✅ Add an Adventure Sports rider to your policy to ensure coverage for high-risk activities.
Pre-Existing Medical Conditions Without a Waiver
Exploring Germany on foot is easy, but it can be exhausting for travelers with pre-existing health issues. Walking cobblestone streets in Rothenburg, climbing castle towers in Heidelberg, or cycling through wine country can be physically demanding, especially for travelers with chronic health concerns like heart conditions, asthma, or arthritis. Add in cold winter travel for holiday markets or skiing in Bavaria, and the risk of flare-ups increases. If you have existing health conditions, they may not be covered unless you obtain a waiver. To qualify, purchase your policy within 14–21 days after your initial trip deposit. Options like IMG iTravelInsured Choice and Tin Leg Gold provide this benefit.
✅ To be eligible for a pre-existing conditions waiver, buy your policy within 2-3 weeks of paying your initial trip deposit. The fine print of the chosen policy will detail the specific requirements, so read it carefully.
Accidents Involving Alcohol or Drugs
Whether you’re sampling Riesling at a vineyard in the Mosel Valley, enjoying steins at a Bavarian beer hall, or sipping glühwein at a Christmas market, alcohol is often part of the cultural experience in Germany. But it’s important to know that injuries or illnesses that occur while under the influence of alcohol or drugs are often excluded from travel insurance coverage. Suppose you trip on cobblestone streets after a night out in Berlin or have an accident during a festive beer garden visit. Your policy may not pay for medical treatment or evacuation, even with comprehensive coverage.
✅ While having a few drinks won’t invalidate your policy, insurers may deny your claim if they find it’s related to intoxication. The definition of drunkenness varies significantly among travel insurers. If you think your insurer’s assessment of your level of intoxication is unfair, you have the right to contest their evaluation.
Named or Predicted Weather Events
Weather can make or break your trip, especially if you plan to be active outdoors. Snowstorms in the Alps, heavy rainfall in the Black Forest, or summer heatwaves in urban areas can disrupt railway schedules, flights, and outdoor activities. Nevertheless, if you acquire travel insurance following a significant weather event, such as an officially declared storm or flood, you will likely not be compensated for delays, cancellations, or missed events resulting from that incident.
✅ Buy your policy early, ideally when you book your trip, to ensure coverage for unexpected weather disruptions that could affect your itinerary across Germany.
Tips for Getting the Best Travel Insurance for Germany
Choosing the best travel insurance for Germany can be the difference between saving and spending money. So, you should consider your specific trip, your travel style, and health needs, or in other words, how much risk you’re willing to take. Keep these tips in mind:
Use a Comparison Tool
Squaremouth’s comparison tool is designed to help you easily filter through over 20 top-rated providers based on emergency medical coverage, evacuation limits, waivers for pre-existing conditions, and specific add-ons for various activities. This makes it simpler to pinpoint the perfect plan that fits your needs and budget.
Read the Fine Print
When planning your trip to Germany, remember that even the best policies may not cover everything, so if you’re considering renting a car to explore the Romantic Road, skiing in Bavaria, or joining a guided beer tour in Munich, read the fine print to confirm these activities are included. For example, some plans don’t offer reimbursement for missed trains or overnight stays unless it’s for a covered reason. Although boring, the Certificate of Insurance (COI) can help you avoid denied claims so your travel experience remains as enjoyable as possible.
Consider Add-Ons for Flexibility or Activities
Germany presents a vibrant mix of history, outdoor activities, and cultural experiences. However, suppose you reconsider your journey or sustain an injury while hiking near Neuschwanstein Castle. In that case, additional benefits such as Cancel For Any Reason (CFAR) or Adventure Sports coverage can provide reassurance. Plans like Tin Leg Gold and Travel Insured International FlexiPAX allow you to tailor your travel insurance for Germany according to your trip’s activity level or unpredictability.
Plan for Weather and Travel Disruptions
Germany’s infrastructure can occasionally experience interruptions due to summer rail strikes or unexpected snowfall in the Alps. These delays in Deutsche Bahn train services or regional flights may lead to missed connections and the need for rebookings. That’s why having coverage for trip delays and interruptions is essential, but it’s only possible if you get your policy early, before predictions or naming.
Is Travel Insurance for Germany Worth It?
Yes, it’s worth it, especially given the threat of terrorism. Having travel insurance will provide you with peace of mind and help protect your health, your things, and your financial investment.
FAQ: Germany Travel Insurance
Is Germany safe to visit?
Yes, Germany is considered safe for travelers due to its low violent crime rate, reliable emergency services, and strong infrastructure. However, petty crimes like pickpocketing can happen in crowded areas like Berlin’s Alexanderplatz or Munich’s train stations. Also, there is a risk of strikes and terrorism due to the rise of Germany’s Alt Right movement. Travel insurance with baggage loss or theft coverage provides peace of mind for stolen items and unforeseen disruptions like transportation strikes or health emergencies.
Is travel insurance mandatory for Germany in 2025?
Travel insurance is not mandatory for U.S. citizens visiting Germany for up to 90 days. However, if staying longer, studying, or applying for a visa to other Schengen countries, proof of travel medical insurance with at least €30,000 coverage is typically required. Even if not required, having travel insurance is strongly recommended due to high medical costs, transit delays, and prepaid, nonrefundable trip expenses.
Will my U.S. Health Insurance Work in Germany?
U.S. health insurance usually does not cover travel in Germany. Limited international coverage may exclude emergency evacuation, ambulance services, or upfront hospital payments in Germany. To prevent unexpected bills, select a travel insurance plan with at least $100,000 in emergency medical coverage and $250,000–$500,000 for evacuation.
Will my U.S. health insurance work in Brazil?
Most likely not. U.S. health insurance, including Medicare, does not cover medical treatment abroad. Travelers must pay out of pocket or have a valid travel medical plan.
What documents are required to travel to Germany?
To enter Germany in 2025, U.S. citizens need a valid passport at least three months before departure from the Schengen Area. A visa is not required for stays up to 90 days for tourism, business, or family visits. Travelers may need proof of a return or onward ticket, sufficient financial means, and accommodation confirmation.
Do I need a visa or passport to travel to Germany?
A passport is required for all U.S. travelers visiting Germany. However, tourists from the U.S. are not required to get a Visa.
Does Germany require COVID insurance?
No, travelers do not need to provide proof of vaccination, an entry test, or have COVID-specific travel insurance. But there are still cases, so we recommend protecting your health with travel health insurance, which can help protect against financial losses if COVID-19 disrupts your plans.
Is travel insurance helpful for sightseeing in Berlin?
Yes, having travel insurance is beneficial for sightseeing in Berlin. For example, when exploring iconic sites like the Brandenburg Gate and Museum Island, or while participating in guided tours, the risk of delays, minor injuries, or theft increases since you’ll likely get around by walking or using public transport. Travel insurance can assist by covering medical expenses in case of accidents, reimbursing lost or stolen belongings, and even aiding if you miss tours or tickets due to delays. When selecting a policy, seek coverage for lost baggage and personal items, emergency medical needs, and trip interruptions, especially if you have a busy itinerary or have prepaid for activities.
Does travel insurance cover Oktoberfest if alcohol is involved?
Travel insurance usually doesn’t cover incidents related to alcohol consumption, including those that might happen at fun cultural events like Oktoberfest. If you happen to get injured while enjoying a drink, or if your belongings are lost or taken while you’re having a good time, your claim could be turned down, even if you’ve chosen a comprehensive policy. While there isn’t a specific travel insurance designed just for Oktoberfest, it’s smart to pick a plan to protect any related medical costs and lost or stolen items. Just keep your receipts.
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