Know All About German Travel Insurance Here!

German travel insurance is a crucial requirement for many travellers visiting Germany. It provides financial protection against unexpected medical emergencies, trip cancellations, and other unforeseen events that may occur during your trip. When choosing travel insurance for Germany, it’s essential to ensure that the policy meets the minimum coverage requirements set by the German authorities. In this blog, you will find A-Z knowledge about German travel insurance, requirements, top companies, costs and much more. Keep reading.

Read more blogs on Study in Germany here!

Do I Need German Travel Insurance as an International Student?

The answer is – Yes, you need to get travel insurance to visit Germany, especially if you need a Schengen visa to enter the country. Moreover, this is a mandatory requirement even when applying for a visa. Instead, not having enough travel insurance will result in getting your Germany visa rejected.

One might not have a visa with them but having valid travel insurance and proof of it is a must as border patrol officers can ask for it. Therefore, having proper travel insurance is a must for everyone.

Why Do I Need German Travel Insurance?

Having valid German travel insurance is a benefit for you. Not only this, it also boasts one of the best healthcare systems and medical professionals in the world. If a foreign national is required to visit the hospital for any treatment, they will be charged exorbitant sums of money if they do not have travel insurance. 

Secondly, one can only pass through the Schengen area and the port of entry if they have valid travel insurance with them. 

Who Requires German Travel Insurance?

All those people who apply for a Schengen visa to enter Germany must also have valid travel insurance in the country. As per the official laws of the country, no matter what the reason for travel, the following people must have essential coverage for the entire time they are in Germany.

• You are a citizen of a third country and require a short-stay visa for Germany.
• Although a visa is not needed to enter the Schengen Area, you must present proof of travel insurance at the Schengen port of entry.

Note: Before applying for a Schengen visa, one must ensure that they have proper travel insurance.

Do EU Students Need German Travel Insurance?

Interestingly, EU students do not require travel insurance when visiting Germany but they must carry a valid EHIC (European Health Insurance Card) with them. 

With the help of EHIC (European Health Insurance Card), you will be treated in Germany in the same manner as in your own country. However, you must note that it is not a replacement for travel insurance, everyone should have a travel insurance plan. 

Also Read: Health Insurance for International Students in Germany

German Travel Insurance: Basic Requirements

Following are the basic requirements which one must fulfil before applying for German travel insurance. 

• A minimum cover of EUR 30,000.
• The plan must not only cover Germany but all other Schengen member states.
• Finally, the insurance must be responsible for covering some of the basic medical expenses such as repatriation for medical reasons, emergency healthcare, or death.

Top Companies Providing German Travel Insurance

Getting German travel insurance is easy. Here are some of the top companies that provide German Travel Insurance. 

Dr Walter	Europ Assistance
AXA	Allianz

One affordable option that fulfils all German visa insurance requirements is PROVISIT-VISUM by DR-WALTER.

Do I Get Travel Insurance Just for Germany as an International Student?

It is possible to obtain health insurance specifically for Germany; other European nations do not need to be covered. You are forced to get Schengen insurance, which must cover all Schengen nations if you want a Schengen visa.

Cost of German Travel Insurance

The average cost of travel health insurance in Germany is between 4% and 12% of the total cost of your trip; for a one-week vacation, this can be as low as EUR 15 per person, while for longer excursions, it can reach EUR 100.

Take a look at the German travel insurance and what it depends:

• Age: Insurance companies tend to charge more as you get older. 

• Coverage Limits: You will pay by the coverage limit.

• Duration of your stay: Finally, the longer you stay the more you will be required to pay.

Also Read: TK German Health Insurance

German Travel Insurance Coverage

Talking about travel insurance coverage, one can only get travel health insurance but alongside this one can also purchase a detailed package which will include travel health insurance, personal liability insurance, and travel accident insurance.

Here are some of the basic medical needs which the travel medical insurance to Germany covers:

• Repatriation
• Provision with remedies
• Outpatient and inpatient medical treatment
• Medicine, dressing material, medical appliances
• Ambulant transport of patients
• Basic dental treatment
• 24-hour emergency service
• Burial costs in case of death
• Return transport of an ill-insured person to their home country

Which German Travel Insurance Plan is Best?

No one can categorise any one travel insurance plan as the best. It all depends on the needs of the person and how much they can afford. However, over time there are several health insurance providers in Germany which have gained popularity for their plans or have the best plans to offer. 

The following are the criteria based on which German travel insurance should be selected:

• It must satisfy all criteria for German visas.
• It is suitable for both guests and hosts.
• It is deductible – free health insurance. 
• Finally, it offers online judgements and prompt confirmation.

Keep in mind, that one must purchase health insurance for as little as EUR 1.10 per day.

Also Read: Medical Universities in Germany 

Importance of German Travel Insurance

You must be wondering what the importance of purchasing German travel insurance, well take a look at the list below:

• Cashless Hospitalisation Worldwide
• Compassionate Visits
• Value-Added Services for Dependents in India
• No Medical Tests are Required up to 85 Years of Age
• Coverage for Personal Accidents
• Political Risk and Catastrophe Evacuation
• Trip-Cancellation-and-Interruption-Reimbursement

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