Travel Insurance for Germany

Travelling to Germany for a much-needed holiday? Compare your travel insurance options with Savvy.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 5th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Compare Travel Insurance Quotes in 30 Seconds

Whether you’re hoping explore the glass-domed Reichstag Building or see the remains of the Berlin Wall, it’s a good idea to take out travel insurance on your holiday to Germany. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to Germany?

You don't necessarily ‘need' travel insurance if you're taking a holiday to Germany. However, it's strongly recommended that you purchase a policy before you jet off on your next holiday to Europe, whether you want to explore the 19th-century Neuschwanstein Castle or walk through the Brandenburg Gate.

Germany's breathtaking landscapes, uplifting culture, large city splendours, romantic castles, and quaint half-timbered villages will take you on a roller coaster of delicacies and temptations. While there are hidden treats when visiting Germany, there are many dangers lingering for tourists and visitors to look out for, so it's paramount you compare with Savvy and get the best travel insurance before leaving.

If you’re eager to experience all of what The Big Smoke has to offer, some of the incidentals to watch for include:

  • Crime: as expected, violent crimes are not widespread, but they do happen. There has been an increase in far-right extremist crimes against members of various minorities, including those of other religions and political persuasions.  Tourists aren't the intended targets, but being in the wrong location at the wrong time is always a risk, so maintain constant vigilance and awareness of your environment.
  • Terrorism: there is a significant risk that terrorists may attempt attacks in Germany. Restaurants, houses of worship, or a crowded market (shopping centres). Increased security measures have been implemented in Germany as a preventative measure. The government states this would happen at all public buildings, significant events, transportation hubs, and substantial public gatherings.
  • Diseases: be careful if you find yourself in a forest in Germany, especially in Bavaria and Baden-Württemberg. There is a risk of encephalitis caused by ticks. In addition, the spring and autumn seasons see peak activity for ticks. If you find any ticks on your body, get rid of them immediately.
  • Mountain activities: if you want to go climbing, mountaineering, or skiing, you should never do it on your own; instead, you should hire a guide from a respected firm, get travel insurance that covers helicopter rescue and medical evacuation, and get into good enough shape to do the sport.

What’s covered by my travel insurance for my holiday to Germany?

One of the reasons you need travel insurance is to protect you if you become ill or injured while travelling, lose your things, or suffer flight cancellations or delays. Some of the benefits travel insurance covers you include:

  1. Overseas medical bills: travel insurance is a great idea if you are harmed or ill in Germany and require medical attention while you're there. Both the medical staff and the infrastructure are top-notch. However, some hospitals may require full payment before providing care without health insurance.
  2. Evacuation or repatriation: you may need medical evacuation back to Australia if you're in a critical condition due to illness or injury. Luckily, your insurer can pay for your evacuation and repatriation, including if you need to disembark a cruise ship, which may cost up to $100,000 without insurance.
  3. Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
  4. Lost, stolen or damaged bags: most travel insurance companies will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
  5. Individual items: taking a mobile phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen property.
  6. Travel delays: most travel insurance coverage includes hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner. Most insurers have limits on how much you can claim if your travel arrangements are delayed.
  7. Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, most travel insurance companies may cover you up to $5 million.
  8. Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
  9. Optional extras: planning to climb the Langenberg in Sauerland or mountain bike ride to the Celtic ringwall? Most travel insurance plans don't cover these activities automatically, but they do offer supplementary coverage for an added premium.
  10. Pet cover: if your return home is delayed due to sickness or travel disruptions, your travel insurance can cover the additional boarding costs for your pet.

However, most travel insurance companies won’t cover you for the following incidentals:

  1. Unapproved pre-existing medical conditions
  2. Lost personal items left unattended
  3. Breaking local laws and road rules
  4. Travelling for medical tourism
  5. Accidents caused by drug or alcohol use
  6. Travelling to a country against Australian government advice

What factors should I consider before buying travel insurance for a trip to Germany?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to Germany. However, by comparing with Savvy and getting a few travel insurance quotes, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you. If you’re over 75 and planning a trip to Germany, you’ll likely be paying a higher premium based on your age, so it will be worth shopping around to find the cheapest seniors’ cover.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’re travelling to Germany but also taking a holiday to Hungary within the year, it might be good to find a multi-trip policy may be more suited to you than single trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in Germany

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you want to go bungee jumping off Hamburg’s harbour bridge or flyboard in Leipzig’s Neuseenland area, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison with Savvy. For example, most comprehensive policies allow you to claim up to $7,500 if you lose your luggage or have it damaged while on holiday, compared to some other providers who only let you claim $3,000.

Inclusions and exclusions

When searching for the best international policy for your trip to Germany, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

Why compare travel insurance with Savvy?

Why compare hotels with Savvy?

Top tips for saving on your travel insurance to Germany

Combine policies

You can get group policies from providers covering you and your partner, your extended family, and even your children or grandchildren. Most travel insurance providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can take out cheaper travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use, whether you’re travelling for business or leisure. Before you purchase a travel insurance policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the international seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which travel insurance provider gives you the best travel insurance coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance to Germany

Does travel insurance for Germany cover me for COVID-19-related costs?

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in Germany and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to Germany as of October 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease.

Can I take out travel insurance if I’m already in Germany?

Yes – you can buy travel insurance online if you’re already wheels up and headed to Germany for your holiday. You won’t need much to take out travel insurance, only the details of your trip and some other important information. You’ll be afforded the exact coverage you would usually get if you purchased before departure. It’s never too late to purchase travel insurance, however, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

When is the best time to buy travel insurance for Germany?

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

How do I make a claim on my travel insurance if I’m in Germany?

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

  • Fill out your claim form with plenty of detail
  • Attach any documents, such as receipts, medical evidence, or proof of purchase
  • Submit your claim

 
The majority of the time, you should hear back from your travel insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

How much will my travel insurance to Germany cost?

There’s no average cost of travel insurance per se. Instead, the price of your premium for a trip to Germany will be determined by a range of interchangeable variables, including:

  • Your age
  • The length of your trip and destinations
  • Whether you suffer any pre-existing conditions
  • If you need optional extras, such as adventure sports cover
  • The insurance company you’ve chosen
  • The level of cover you have purchased
  • What part of Germany you’re travelling to (for example, you may not be able to receive cover if you’re travelling somewhere experiencing a natural disaster or terrorism event)

Helpful travel insurance guides

Travel Insurance Banner - Group of young friends smiling on a ski lift overlooking the snow.

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

Travel Insurance Banner - Group of women smiling and enjoying drinks on a cruise.

Compare Cruise Travel Insurance

Setting sail on your next holiday? Compare cruise travel insurance with Savvy.  Compare Travel Insurance Quotes in 30 Seconds Get...

Travel Insurance Banner - Woman sitting on a luggage trolley being pushed by her partner with her arm in the air.

Benefits of Travel Insurance

Understand more about the benefits of travel insurance by comparing your options with Savvy. Compare Travel Insurance Quotes in 30...

Travel Insurance Banner - Father pointing out the window at the airport with his son.

What is Travel Insurance?

Compare with Savvy and find out more about what travel insurance is today. Compare Travel Insurance Quotes in 30 Seconds...

Travel Insurance Banner - Man looking on his computer at travel insurance.

How Much Is Travel Insurance?

Wondering how much your travel insurance might cost? Compare with Savvy and find out today. Compare Travel Insurance Quotes in...

Travel Insurance Banner - Young couple sitting on fold-out chairs next to their caravan.

Cheap Domestic Travel Insurance

Compare with Savvy and find a cheap travel insurance deal for your next domestic holiday. Compare Travel Insurance Quotes in...

Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.