Welcome
to Germany!
Located in the heart of Europe, Germany is a country known for its rich history, cultural heritage, and breathtaking landscapes. From the vibrant cities of Berlin, Munich, and Hamburg to the enchanting castles along the Rhine River, Germany offers a myriad of experiences for travelers.
Before you embark on your journey to Germany, it's important to consider travel insurance to protect against unexpected mishaps while abroad.
What Is Germany Travel Insurance?
Travel insurance for Germany is designed to protect you against unforeseen situations that can occur during your travels abroad.
Travel insurance comes in two main types: trip insurance travel medical insurance. Trip insurance covers more travel-related costs while travel medical insurance acts as temporary health insurance.
Travel Health Insurance for Germany
Travel medical insurance for Germany offers vital coverage for emergency medical care abroad.
For instance, if you were to unexpectedly get sick or injured during your trip to Journey, travel medical insurance would offer temporary coverage for your care to avoid paying costly out-of-pocket medical expenses.
Foreigners in Germany do not qualify for their universal healthcare program, so health insurance is an important safeguard for visitors.
Travel medical insurance for Germany can cover:
- Emergency medical expenses
- Hospitalization
- Surgery
- Prescription medication
- Emergency medical evacuation
- Repatriation of remains
Trip Insurance for Germany
Germany trip insurance is a type of travel insurance that offers protection for a trip's prepaid and nonrefundable costs.
Trip insurance can cover things like your flight, hotel, experiences, tours, and more. You can ensure your nonrefundable costs are reimbursed if your trip is canceled or interrupted for a covered reason.
Trip insurance for Germany can cover:
- Trip cancellation
- Trip delay
- Trip interruption
- Lost luggage
- Accident and sickness
- Emergency medical evacuation
- Rental car collision
- Adventure sports coverage
For U.S. travelers heading to Germany, trip insurance is generally recommended as it offers both coverage for the trip itself and for potential medical expenses overseas. While travel medical insurance typically excludes trip-related costs, a standard trip insurance plan can provide this broader coverage. However, travel medical insurance can provide sufficient coverage for those primarily worried about medical emergencies while in Germany.
What Does Travel Insurance for Germany Not Cover?
Since travel insurance for Germany is designed to cover unexpected emergencies or unforeseen events, there are a few things that travel insurance may not cover, including:
- Routine care, such as checkups or vaccinations
- Known events, like airline strikes or severe weather warnings, unless you bought your travel insurance before these events happened or were declared
- Incidents involving alcohol or drugs
- Illegal or reckless behavior
- High-risk adventure activities, unless it is specifically covered
- Negligence with personal belongings, such as leaving valuables unattended
When comparing travel insurance plans, it is always important to read your insurance's description of coverage to declare what is covered and what is not.
Compare the Best Travel Insurance Plans for Germany
- Best Travel Insurance for Germany with High Medical Coverage: iTravelInsured Travel LX
- Best Value Travel Insurance for Families to Germany: iTravelInsured Travel SE
- Best Travel Medical Insurance for Seniors on Medicare: GlobeHopper Senior
Frequently Asked Questions About Travel Insurance for Germany
Do I need health insurance to travel to Germany?
Travel health insurance is highly recommended when traveling to Germany to cover you in the event of an unexpected medical emergency. Receiving medical care in Germany uninsured could result in excessive out-of-pocket expenses.
How much is travel insurance to Germany?
The cost of Germany travel insurance will vary based on the type of travel insurance plan you choose and other factors. Trip insurance, which covers nonrefundable travel-related expenses, can cost between 5-10% of your total nonrefundable travel costs. Travel medical insurance can vary in cost depending on your destination, age, length of trip, benefits, and more.
Is travel insurance mandatory for U.S. citizens traveling to Germany?
Travel insurance is not mandatory for U.S. travelers to Germany for stays that are less than 90 days. If you are going on a trip that is more than 90 days, you will need a Schengen visa, which will require you to get travel insurance. However, travel insurance is still highly recommended for U.S. travelers to avoid high out-of-pocket medical expenses that could potentially create a financial burden.
How can I buy travel insurance for Germany online?
It is easy to buy travel insurance for Germany online using VisitorsCoverage's travel insurance comparison tool. In less than 5 minutes, you can compare insurance plans side-by-side based on your specific travel needs, such as age, trip cost, and travel destination. VisitorsCoverage's tool ensures you can make an informed travel insurance decision with full transparency and understanding.
Is healthcare free in Germany for tourists?
Yes, visitors to Germany can receive medical care at local facilities, however, they do not qualify for free healthcare. If you receive medical treatment in Germany as a foreigner, you will need to pay for your care or use travel insurance to cover your expenses.
Which travel insurance is best for Germany?
The best Germany travel insurance will depend upon your individual needs. Europe Travel Plus is a popular travel medical insurance plan designed for Europe that provides adequate health coverage and meets Schengen visa travel insurance requirements.
What does a US citizen need to travel to Germany?
U.S. citizens currently only need a valid passport for at least three months beyond their departure date to travel to Germany for stays of up to 90 days. As of April 2026, U.S. citizens must go through Germany's Entry/Exit System (EES), which is a biometric system that records entries and exits while in the Schengen Area. In late 2026, the ETIAS will be introduced across Schengen countries, and U.S. citizens will need to apply for it before their trip in order to travel through the Schengen Area.
Are transportation strikes in Germany covered by travel insurance if they disrupt my trip?
Transportation strikes, such as those involving Deutsche Bahn or airline staff, could be covered if it disrupts your trip, as long as you purchased your travel insurance before the strikes were announced. Expenses such as extra hotel nights, meals, and rebooking transportation fees could be reimbursed if you experience a major delay or miss a connection because of a transportation strike.
Does travel insurance cover adventure activities like mountain climbing while in the Bavarian Alps?
Travel insurance can cover high-risk activities like mountain climbing or skiing in Germany with a travel insurance policy that includes adventure sports coverage. Sometimes, this kind of coverage is automatically included, but it is mostly an optional add-on to your standard travel insurance. Adventure sports coverage can vary, so it is important to check your policy details carefully before your trip.
What are the Travel Requirements for Germany?
Travel insurance for Germany is required if you need a Schengen visa to travel to Germany.
If you are required to obtain a Schengen visa for your trip to Germany, you will need to get a travel insurance plan that meets the following requirements:
- Minimum coverage amount of EUR 30,000.
- Coverage for emergency medical care, hospitalization, medical evacuation, and repatriation of remains.
- Valid coverage for the entirety of your stay.
U.S. passport holders are not required to obtain a Schengen visa to visit Germany and can travel to Germany for stays of up to 90 days with a valid passport.
As of April 2026, all non-EU nationals must go through the new Entry/Exit System (EES) when traveling to a Schengen country. Whether you are a traveler with or without a visa, you will need to go through this system, which will gather your fingerprints, a facial image, and entry/exit timestamps from when you enter and leave the Schengen Area.
Another new travel requirement specifically for visa-exempt travelers is the European Travel Information and Authorization System (ETIAS). Beginning in late 2026, travelers who do not need a Schengen visa must apply for ETIAS before entering a Schengen country.
Is Germany a Popular Tourist Destination?
Germany welcomes millions of tourists each year and offers a diverse range of attractions and experiences that make Germany a popular tourist destination.
The most popular attractions in Germany include:
- UNESCO World Heritage Sites
- The Black Forest and Bavarian Alps
- Oktoberfest in Munich
- Cologne Carnival
- Christmas Markets
- The Museum Island in Berlin
Is Germany Expensive to Travel to?
Germany can be expensive to travel to, depending on what type of traveler you are.
Flights from the United States to Germany, round-trip, can range from $800 to $1400 on average.
For daily costs while in Germany, these can range from $55 per day for a budget traveler and up to $220 per day for a luxury traveler.
If you were to purchase travel insurance as a 45-year-old going on a week-long trip to Germany with $1400 in trip expenses, the average cost of travel insurance would be about $74. That is just about $10 a day to insure your trip!
What to Know Before Your Trip to Germany
Here are some practical tips to keep in mind before your adventure to Germany:
- The currency in Germany is the Euro. Credit and debit cards are widely accepted, but it's advisable to carry some cash, especially in smaller towns and for small purchases.
- Germany uses a 230V supply voltage and 50Hz frequency. The standard plugs are type C and F. Make sure to bring a suitable adapter for your electronic devices.
- When dining out, it's customary to say "Guten Appetit" before starting your meal. Tipping is appreciated; rounding up the bill or leaving about 5-10% is common.
- Germany is serious about recycling. Familiarize yourself with the different bins for paper, plastics, glass, and organic waste.
- Be mindful of "Ruhezeit" (quiet hours), typically from 10 PM to 6 AM and all day on Sundays. During these times, loud noise and disturbances are frowned upon.
- If you plan to drive, remember that Germany drives on the right side of the road. The Autobahn has sections with no speed limit, but always adhere to posted speed limits and rules.
Health and Safety
Here is some important information about healthcare facilities, insurance, and general safety precautions in Germany:
- Germany boasts a highly advanced healthcare system, with excellent medical facilities and services available across the country.
- It is advisable for travelers to have comprehensive travel insurance that covers unexpected medical expenses or emergency evacuation. Even though Germany has universal healthcare, it is not necessarily free for tourists, which forces travelers without health insurance to pay out-of-pocket for such costs.
- Pharmacies, known as "Apotheke," are easily accessible and offer a wide range of over-the-counter medications
- In case of emergencies, dial 112 to reach emergency services in Germany.
- If you need assistance at any time, you can visit the U.S. Embassy Berlin for information.
Crime
Tips and advice for staying safe and protecting personal belongings while traveling in Germany:
- Germany is generally a safe country with a low crime rate, but it is always prudent to take standard safety precautions.
- Keep an eye on your personal belongings, especially in crowded tourist areas or on public transportation.
- If you encounter any emergencies or need assistance, contact the local police by dialing 110.
- Stay informed about the current safety situation and the areas you plan to visit.
- Be cautious of pickpocketing, particularly in busy urban centers or popular tourist destinations.
- Consult the U.S. Department of State for current travel advisories.
Transportation Security
Here are some details about strict security measures maintained at transportation hubs, including airports, train stations, and public transport in Germany:
- Be prepared for security checks, such as baggage screening and personal searches, when traveling.
- Use reputable and licensed transportation providers.
- Utilize well-lit and secure areas when waiting for transportation and do not get into any unmarked vehicles.
- Follow the instructions of security personnel and cooperate during the screening process to ensure a smooth travel experience.
- Report any suspicious activities or unattended baggage to the appropriate authorities.
Road Safety
Guidelines for safe driving and cycling in Germany, including traffic rules, speed limits, and precautions for various road conditions:
- Germany has an extensive and well-maintained road network, making it a popular country for road trips.
- Observe traffic rules, speed limits, and parking regulations while driving.
- Always wear seatbelts and ensure that children are properly secured in appropriate child safety seats.
- Be mindful of changing weather conditions, especially during winter, and adjust driving habits accordingly.
Wildlife and Nature
Information on responsibly enjoying Germany's wildlife and natural landscapes, including hiking guidelines and safety tips:
- Germany is blessed with diverse natural landscapes, from the majestic Alps to tranquil forests and stunning coastlines.
- Respect wildlife and maintain a safe distance while observing animals in their natural habitats.
- Follow designated hiking trails and respect any guidelines or restrictions set by local authorities.
- Be aware of any potential risks in outdoor activities and take necessary precautions, such as checking for hunting seasons in forested areas.
Natural Disasters
Awareness about potential severe weather events in Germany and how to stay informed and prepared:
- Germany is relatively safe from major natural disasters, with occasional occurrences of severe weather events.
- Stay informed about weather conditions and follow local weather forecasts or warnings provided by authorities.
- In case of severe weather, follow safety instructions and seek shelter as advised.
Please note that the content provided is intended as a general overview, and it is always recommended to stay updated on the latest information and follow local guidelines and regulations during your visit.
Travel Resources for Germany
For more detailed and up-to-date information on travel in Germany, including visa requirements, local customs, and current travel advisories, please visit the official website of the German National Tourist Board.
Wherever you are traveling in Germany, whether to Frankfurt or Berlin, you can easily locate and contact the nearest U.S. Embassy and Consulate using the provided contact details on the embassy's website.
Enjoy your time in Germany, and may your journey be filled with memorable experiences and the warmth of German hospitality!
