travel insurance in german

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Travel Insurance for a Germany Vacation (2024)

See how travel insurance for Germany can protect you against financial loss if your trip gets canceled, you incur medical expenses or lose your baggage.

in under 2 minutes

Jessica Bergin is a Barcelona-based Australian writer who has worked in the travel industry for half a decade. Her passion for adventure, travel, culture and lifestyle has helped her navigate a successful career in the writing industry, including for World Words.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you’re trekking in the Black Forest or sightseeing in Cologne, unforeseen situations can arise during a vacation to Germany. Travel insurance for Germany can protect you against financial losses if unexpected medical treatment, trip cancellations or travel delays hinder your plans.

We at the MarketWatch Guides Team have researched and reviewed the best travel insurance companies to help you navigate coverage, costs, benefits and insurance requirements for your trip to Germany.

Compare Travel Insurance Companies for Germany

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Do I Need Travel Insurance for Germany?

Germany travel insurance requirements vary based on where you are traveling from and if you need a visa. Travel insurance is optional for U.S. citizens and other travelers who do not require a visa as long as they stay in Germany for less than 90 days. But if you need a visa to enter Germany or the Schengen Area, then travel insurance is mandatory. Visit the Schengen visa website to learn about Germany visa requirements and applications.

If you have to cancel your trip unexpectedly , Germany travel insurance may cover some of your prepaid, nonrefundable expenses. This could include reimbursements for flights, lodging and travel excursions. Generally, travel insurance covers trip cancellations for the following reasons:

• Jury duty or legal obligations
• Death of an immediate family member or travel companion
• Unforeseen medical injury or a serious health condition
• Natural disasters
• Acts of war or terrorism

Travel insurance can also provide emergency medical coverage if you need health care abroad. Germany ranks among the top countries in the world for its high-quality health care system. Tourists will have to pay for treatment out of pocket, and medical costs can add up if your health insurance does not extend overseas. Purchasing a medical travel insurance plan can offer coverage and ensure peace of mind in case you need medical care while vacationing in Germany.

Cancel for Any Reason Coverage

Cancel for any reason , or CFAR, coverage is an optional upgrade to standard travel insurance policies that covers travel cancellations for any given reason. It is a worthwhile investment if you prefer flexibility, but will increase the cost of your premium.

CFAR coverage extends cancellation benefits beyond the reasons covered by your standard policy. Say you’re planning an anniversary trip to Hamburg and booked a nonrefundable hotel, but decide that Munich is a better option. With CFAR insurance, you can submit a claim for reimbursement of the lost lodging costs — simply because you changed your mind.

Although CFAR coverage offers flexibility, it is subject to deductibles, disclaimers and restrictions. Be sure to review coverage exclusions before you purchase this optional insurance.

Gear Theft Protection

Germany is considered a safe country for U.S. citizens to visit. However, as with every major city in Europe, there may be scams, crime and petty theft. If you’re visiting major cities like Berlin or Munich, you may want to consider gear theft protection.

You may want to bring your valuables to Germany, like a camera to photograph the Bavarian Alps or Oktoberfest. Gear theft protection covers you in case your items are lost or stolen. Coverage may include the following valuables:

• Laptop, mobile phone or tablet
• Professional camera
• Camera equipment, including tripods and stabilizers
• Sporting gear and equipment, like ski helmets, ski poles and snowboards

Most travel insurance plans cover valuable items up to a predetermined cost. But gear theft protection may not include coverage for all of your valuables. Review your policy for limitations and exclusions and consider leaving irreplaceable items at home. Medical Emergency Insurance and Emergency Medical Evacuation

If you have a medical emergency in Germany without travel insurance, you can endure a significant financial setback. While standard travel insurance policies provide some coverage, you are not guaranteed full reimbursement for any treatment you receive.

Medical travel insurance can include coverage for the following:

• Hospital expenses
• Operating room fees
• Ambulance costs
• Dental emergencies
• Lab tests and X-rays

Most travel medical insurance plans also provide emergency medical evacuation and repatriation. This coverage protects you from the cost of medical evacuation to your home country if you can’t receive the required health care in Germany.

Like the neighboring countries of Switzerland and Austria, Germany is considered an adventure aficionado’s haven. But keep in mind that travel medical insurance may not extend to extreme sports. However, some companies offer this protection as a policy add-on.

Rental Car Protection

The public transportation system in Germany is modern, well-connected and runs frequently. While public transit offers a budget-friendly, easy way of getting around, some travelers may prefer to rent a car.

Renting a car allows you more freedom to travel at your own pace, but there is more responsibility involved. Germany legally requires all rental cars to have unlimited third-party liability insurance. While this protection is automatically included when you rent a car, it offers minimum coverage.

Travel insurance with rental car protection can cover you if a rental car is damaged. Although the details differ from policy to policy, most premium rental car insurances include the following:

• Collision damage waiver
• Theft protection
• Windshield and tire protection
• Roadside assistance
• Personal effects and injury insurance

Standard travel insurance policies may only include rental vehicle excess to provide coverage if your rental vehicle is damaged or stolen. This protection can help you recoup financial losses if you’re held liable. Other providers may offer varying rental car coverages as add-ons, which increase your premium.

Trip Cancellation Insurance

Most travel insurance coverage includes nonrefundable and prepaid trip expenses up to a predetermined limit. Trip cancellation insurance can protect you from financial loss by reimbursing a canceled flight , hotel or even travel excursions.

Some of the accepted reasons you can file a claim for trip cancellation insurance include:

• Hospitalization
• Serious injury or unforeseen illness
• Death of a family member or travel companion
• Severe weather conditions
• Military orders (including domestic or international terrorism)

How Much Does Germany Travel Insurance Cost?

Whether you’ve decided on a short-term, single trip or an annual multi-trip policy, travel insurance costs can vary depending on many factors. Coverage costs largely depend on your personal preferences, destination and other travel plans.

To receive an insurance quote, you will need to provide the following information:

• Number of travelers
• Destination country and city
• Country of residence
• Trip length
• Total trip price

To determine the total trip price, factor in flights, accommodation and all nonrefundable and prepaid expenses. Many cheap travel insurance options are available if you are on a budget.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Germany. The below quotes are for a 30-year-old traveler from Florida, traveling to Germany for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Although policies differ between each insurance company, the above quotes can help you determine the cost of travel insurance . Each plan includes the following coverage:

• COVID-19 Cancellation
• COVID-19 Medical
• Trip cancellation
• Trip interruption
• Medical evacuation
• Medical costs

How Do I Get Travel Insurance for Germany?

Before planning your vacation to Germany, see what coverage you already have. Contact your current health insurance provider to see if your coverage extends abroad. Some credit card companies include travel health insurance and trip protection, and you can typically purchase flight insurance when booking with an airline.

If you want to purchase travel insurance for your trip to Germany, make sure to compare various plans and policies. We recommend you request quotes from at least three companies before deciding which travel insurance plan is best for you. Consider factors like pre-existing medical conditions and the activities you want to include in your itinerary. Review each policy in detail for exclusions and deductibles before purchasing.

Germany Safety Tips

Germany is considered safe and has low crime rates, but crime can still occur. Before you jet off on your German vacation, here are some safety tips to keep in mind.

Crime and Safety

Germany ranks high for safety in the Global Peace Index (GPI) and crime rates are low by global standards. However, there are recorded scams, petty theft and crime in major cities. Pickpocketing is an issue in Berlin and Munich, so practice general precautions when visiting.

Day Trips, Tours and Excursions

From learning about the history of Hamburg to exploring the Black Forest, Germany is home to many day trip destinations. You can also take a day trip to other European Union member states like Switzerland or Austria. Travel insurance can provide coverage for certain excursions and related costs, including gear rental if you are planning to golf.

Germany has lifted all COVID-19 restrictions as of February 2023. You will no longer be required to present a vaccination passport or negative PCR test if you are entering the Schengen Area. There are also no coronavirus restrictions on German public transport.

Consider a travel insurance policy with extended COVID-19 coverage if you worry the virus could interfere when you visit Germany.

Is Travel Insurance for a Germany Vacation Worth It?

If you have a U.S. passport, you do not need travel insurance to enter Germany, but purchasing an insurance policy can be worth it depending on several factors.

Travel insurance can protect you from financial loss if unexpected circumstances arise, like unexpected flight delays or cancellations, lost baggage and medical emergencies. Purchasing a policy to cover medical costs, trip cancellations and more can provide peace of mind so you can focus on enjoying your vacation.

Frequently Asked Questions About Travel Insurance in Germany

Can i claim flight compensation if my trip to germany gets canceled.

Unless you have travel insurance, refunds for canceled or delayed flights are subject to the airline and not always guaranteed. But purchasing travel insurance can add protection from financial loss if your flight is canceled due to a covered reason.

What type of travel insurance do I need for Germany?

The best travel insurance for you will depend on your personal preferences and coverage needs. If you are concerned about emergency medical events, look into travel insurance plans that offer comprehensive health coverage. Or seek a policy with extended trip cancellation and delay coverage if travel interruptions are your main concern.

Do I need travel insurance with a German visa?

If you are a U.S. citizen, you do not need to fill out a visa application if you plan to visit Germany for less than 90 days. Otherwise, you will need a visa , which mandates you have travel insurance to enter the country.

Is German health care free for visitors?

German public health care is only accessible to residents of the country. Visitors have to pay for treatment upfront. You claim reimbursement later on if your health care offers coverage abroad or you have travel medical insurance. Temporary visitors from other Schengen countries can use their European Health Insurance Card (EHIC) for emergency medical treatment.

If you have questions about this page, please reach out to our editors at [email protected] .

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German Travel Insurance

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Planning an exciting journey to Germany? While you prepare your itinerary and pack your bags, it’s crucial not to overlook a vital aspect of travel – insurance. German travel insurance is a safeguard that ensures you have a worry-free adventure, regardless of any unexpected situations that might arise. In this comprehensive guide, we’ll walk you through the ins and outs of German travel insurance, making sure you’re well-informed before embarking on your unforgettable trip.

Introduction

Imagine wandering through the charming streets of Berlin, exploring fairytale castles in Bavaria, or indulging in delectable sausages at a local market. Germany offers a rich blend of history, culture, and picturesque landscapes. To ensure your travel memories remain positive, it’s vital to have a safety net – German travel insurance.

Why is Travel Insurance Important?

Travel insurance is your shield against the unexpected. From flight cancellations to medical emergencies, travel insurance provides financial protection, giving you peace of mind during your journey. In a foreign land like Germany, having travel insurance is akin to having a reliable travel companion.

Types of German Travel Insurance

Medical coverage.

Your health is a priority, even when you’re on vacation. Medical coverage ensures you’re protected against medical expenses, including doctor visits, hospital stays, and medications. In case of an injury or illness, your insurance has your back.

Trip Cancellation and Interruption

Life is unpredictable, and sometimes trips need to be canceled or cut short. This coverage safeguards your investment by reimbursing pre-paid and non-refundable expenses due to unforeseen events, such as illness, death in the family, or travel advisories.

Baggage and Personal Belongings

Losing your luggage can put a damper on your vacation. This coverage provides compensation for lost, stolen, or damaged baggage, as well as personal items like cameras and laptops.

Emergency Evacuation

In the rare event of a natural disaster or political unrest, emergency evacuation coverage ensures you’re safely transported to your home country or the nearest medical facility.

Rental Car Coverage

Exploring Germany by car? Rental car coverage takes care of potential damages or theft of your rental vehicle, allowing you to cruise the Autobahn worry-free.

Choosing the Right Insurance Plan

Duration of your trip.

The length of your stay matters when selecting a policy. Whether it’s a short city break or an extended tour, choose coverage that aligns with your travel duration.

Activities and Adventures

Are you planning high-adrenaline activities like skiing in the Alps or hiking in the Black Forest? Make sure your insurance covers these activities, as some standard plans might not.

Pre-Existing Medical Conditions

If you have pre-existing medical conditions, inform your insurer. Some policies offer coverage for unexpected medical issues related to your pre-existing conditions.

How to Purchase German Travel Insurance

Securing travel insurance is easier than ever. You can purchase policies online from reputable insurance providers. Compare quotes and coverage to find the plan that suits your needs and budget.

Understanding Coverage Exclusions

While travel insurance offers comprehensive protection, certain situations might not be covered. Common exclusions include reckless behavior, self-inflicted injuries, and losses due to unattended baggage.

Making a Claim

In case of an incident during your trip, contact your insurance provider immediately. Keep all relevant documents, such as medical reports or police statements, as they’ll be needed to process your claim efficiently.

Benefits of German Travel Insurance

Investing in travel insurance provides you with a safety net that extends beyond financial coverage. It offers a sense of security, enabling you to fully immerse yourself in the culture, history, and beauty of Germany.

Top Insurance Providers in Germany

Several insurance companies in Germany offer comprehensive travel insurance plans. Research and choose a provider with a solid reputation and positive customer reviews.

Tips for a Safe and Memorable Journey

Keep Important Documents Handy:

Carry photocopies of your passport, visa, and insurance policy.

Stay Updated on Travel Advisories:

Check travel advisories from both your home country and Germany before you leave.

Pack According to the Season:

Be prepared for the weather by packing appropriate clothing and gear.

Learn Basic German Phrases:

Familiarize yourself with basic phrases to navigate comfortably.

Respect Local Customs and Norms:

Embrace the culture and traditions of Germany with respect.

FAQs About German Travel Insurance

Is travel insurance mandatory for visiting Germany?

Travel insurance isn’t mandatory, but it’s highly recommended to ensure a worry-free trip.

What should I do if I need medical assistance during my trip?

Contact your insurance provider immediately using the provided helpline.

Can I purchase insurance after arriving in Germany?

It’s recommended to purchase insurance before your trip to have coverage from the start.

Does German travel insurance cover trip cancellations due to COVID-19?

Check with your insurer, as coverage can vary. Some policies might offer COVID-19-related coverage.

How do I extend my insurance coverage if my trip duration changes?

Contact your insurer before your policy expires to discuss an extension.

German travel insurance is your ticket to a memorable and stress-free adventure. From exploring historic sites to savoring mouthwatering cuisine, you’ll be able to immerse yourself in the magic of Germany, knowing that you’re protected. Don’t leave home without this essential companion that ensures you’ll make the most of your journey.

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Travel insurance for germany.

Nestled in the heart of Europe, Germany is a country that waltzes between medieval charm and cutting-edge innovation. From the iconic Brandenburg Gate in Berlin to the enchanting Neuschwanstein Castle in Bavaria, every corner tells a story steeped in history and culture. Before you pack your bags and set off for your adventure, let's talk about something important – your travel insurance for Germany. From health coverage to travel hiccups, here's everything you need to know about a travel protection plan to Germany.

• What should your Travel insurance cover for a trip to Germany? 
• How does Travel Insurance work for Germany?
• Do I need Travel Insurance for Germany? 
• How much does Travel Insurance cost for Germany? 

Our Suggested AXA Travel Protection Plan

• What types of medical coverage does AXA Travel Protection plans offer?
• Are There Any COVID-19 Restrictions for Travelers to Germany?

Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to germany.

At a minimum, your travel insurance to Germany should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Germany.

How does Travel Insurance for Germany work?

Imagine this: You're exploring the scenic beauty of the Rhine River when, unfortunately, you fall ill unexpectedly. In need of medical attention, you're relieved to have AXA Travel Protection with the "Emergency Medical Expenses" coverage. The policy offers care for your medical costs, including hospital stays and doctor's fees so you receive the necessary care. In challenging circumstances, AXA stands ready to assist you in developing a strategic course of action. Here’s how travelers can benefit from an AXA Travel Protection Plan:

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits:

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits: 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I need Travel Insurance for Germany?

Citizens from non-EU/non-EFTA states like the U.S., Canada, and New Zealand, can enter Germany without a visa, and are not obligated to have travel insurance. Even if you're not required to secure travel insurance, it is still highly recommended. Why? There are several reasons:

• Medical Emergencies: Given the diversity of activities in Germany, from exploring historic sites to enjoying outdoor adventures, having coverage for unexpected medical expenses allows you to travel with coverage and assistance. This benefit becomes especially crucial in case of illness or accidents, allowing you to access necessary medical care without hurting your pocket.  
• Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  
• Lost or Stolen Luggage: While generally safe, tourist destinations in Germany may pose a risk of theft. The "Lost or Stolen Luggage" benefit is important in the unfortunate event of permanent loss or theft of your belongings. It offers reimbursement for the value of your lost items and essential possessions.

How much does Travel Insurance cost in Germany?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Malaysia will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses. The Platinum Plan is your go-to choice if you're looking for extra coverage for Germany’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring Germany's stunning landscapes in a rental car. Whether you're navigating the slopes of the Bavarian Alps or exploring the ski trails in the Black Forest, AXA Travel Protection's "Loss Ski Days" benefit may offer reimbursement for pre-paid ski tickets in the event of specified slope closures, so you can make the most of your skiing experience in Germany's world-class ski resorts.

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

• Emergency Medical
• Emergency evacuation & repatriation
• Non-medical emergency evacuation & repatriation

Emergency medical: Covers unforeseen events such as fractures, burns, sudden illnesses, and allergic reactions. Emergency evacuation and repatriation: can cover your immediate transportation home in the event of an accidental injury or illness. Non-medical emergency evacuation and repatriation: Extends coverage to situations where immediate departure from a destination is necessary for reasons unrelated to medical issues. This can include events such as natural disasters or civil unrest, providing assistance and support during non-medical emergencies.

Are there any COVID-19 restrictions for Travelers to Germany?

Currently, all the COVID-19 entry restrictions for traveling to Germany have been removed. You can now enter Germany for any reason, including tourism and visits, without needing to show proof of vaccination, recovery, or a negative test result.

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan , in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plans with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

1. Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2. When should I buy Travel Insurance to Germany?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

3. Do Americans need travel insurance in Germany?

No. Travel insurance is not mandatory for U.S. citizens staying in Germany for less than 90 days. Nonetheless, securing travel insurance is highly advisable. Medical expenses can be significant for non-residents, and having travel insurance is important when you consider the potential costs of prescriptions.

4. What is needed to visit Germany from the USA?

To enter Germany, US passport holders need a valid US passport issued within the last ten years, with at least three months of validity after leaving Germany and two blank pages. Additionally, make sure to have proof of a return ticket.

5. What happens if a tourist gets sick in Germany?

If you become sick in Germany, travelers with AXA Travel protection can contact the AXA Assistance hotline at  855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Germany – Visitors Insurance and Safety Advice

Safety and travel insurance advice for germany.

Before you get swept up in all the magnificence Germany has to offer, below is an overview of the most important healthcare, insurance, and safety information that short-term and long-term visitors need to know to make the transition as smooth as possible.

Related:  International Health Insurance in Germany for Foreigners

Common Safety Tips for Visitors to Germany

Germany is a relatively safe country to travel in, and crime rates have continued to drop in recent years. As always, foreigners need to stay alert and be on the lookout for pickpockets and thieves, especially near popular tourist areas like train stations, museums, and hostels. Be sure to protect all of your personal belongings, and leave your valuables and physical passport at home or in the hotel. Carry a copy of your passport with you at all times and never the actual booklet.

Futbol (soccer) is incredibly popular, but fans can turn sour pretty quickly if their team loses a game, so be aware of and avoid possible riots and angry mobs, as foreigners can be easy targets for them.

Intense heat and dehydration are typical, especially during the summer season, so be sure to drink lots of non-alcoholic liquids and stay hydrated during your travels.

Know your embassy and bank contact information in case of emergencies, including addresses and phone numbers. There is a U.S. Embassy located in Berlin for any mishaps with your passport, travel, or your safety as a U.S. citizen. Keep notes on what to do if you lose your passport or if your wallet or purse is stolen to make the replacement process as simple as possible.

Read:  The 11 Best Cities to Work in Germany for Expats

German Health Care System and Types of Insurance

The German Healthcare System is excellent, one of the best in the world. There are three options for health insurance during your stay in Germany: public government-regulated public insurance, private insurance from a German or international company, or a mix of the two. Long-term travelers would benefit from global medical insurance the most, while short-term travelers would be covered under travel medical insurance plans . Both are excellent options to cover healthcare in Germany for visitors.

You must have insurance and support documents to obtain a visa or a residence permit. Different types of visas may have different insurance requirements, so be sure to confirm the requirements for the specific type of visa you need. Longer-term visitors will likely need a Schengen Visa for entry into Germany and other European countries.

Learn more about Schengen Visa Insurance Requirements .

Around 85% of the population is covered by the public insurance system and 10% by private companies. Public officers, self-employed persons, and individuals earning above 50,000 Euro qualify for private healthcare, although most choose to stay in the publicly financed system. Many insurance providers will take your age into account, which can increase premiums and reduce benefits at milestone ages of 60, 65, and 70 years old. Other policies may limit the amount of travel time you get to your home country; often the maximum is 30-60 days.

When you arrive for a long-term stay, you should take the time to find a primary physician ( Your International Health Insurance provider can help you find high-quality providers locally ) and schedule a routine checkup. This will familiarize you with your doctor’s office and could make other medical appointments go smoothly in the future, especially for families with children. Depending on location, it may be difficult to find a doctor that speaks fluent English. Most embassies have a list of English-speaking doctors that you can request, however, the availability of these physicians will vary. Knowing your doctor ahead of time can make it easier down the road, especially for sick leave, which requires a doctor’s note. German companies give employees unlimited sick days. It would be wise when making an appointment to ask the receptionist when is the best time to come in, however you should still be prepared to wait before seeing someone, especially if the public insurance plan. Additionally, it is a German custom to greet other patients in the office and say goodbye to them before leaving.

Find the Best International Hospitals in Germany

Otherwise, students and more short-term visitors may be better off using a private insurance company that caters to international travelers. These policies will cover areas specific to the expatriate lifestyle and are often less expensive than German providers. Students especially should research their options, as discounted plans are common.

Visitors Insurance for Travel to Germany

Health insurance for foreigners visiting germany.

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

International Health Insurance for Expats Living in Germany

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Germany’s network of pharmacies is broad, and they are marked by a big red “A” for Apotheken . Pharmacies are open from 9 am-6 pm Monday to Friday, and 9 am-12 pm on Saturdays. Prescription medication is sold by company name, rather than the active ingredients as in the US. Doctors in Germany tend to prescribe the most expensive brand, so ask the pharmacist if there is a cheaper generic medicine available. Also, instructions for dosage do not come on the package, so be sure to ask your doctor and take note of how much and how often you should be taking the medication.

Emergency Numbers in Germany

• Police – 110
• Ambulance – 112
• Fire Service – 112

Vaccines and Diet Consideration When Visiting Germany

Currently, Germany has no vaccine requirements. However, the World Health Organization (WHO) recommends that all travelers be covered for standard vaccinations regardless of destination.

German food can be entirely different from your home country and may affect your digestion. The cuisine is fairly heavy, containing meat, potatoes, and heavy noodles. Be prepared for the changes your body could incur from this type of diet and take the necessary precautions. Additionally, visitors sometimes have problems with alcohol and tobacco intake, as these activities are common and cultural. Make a plan to moderate your drinking and smoking, so no issues arise during your stay.

Prepare for Travel to Germany

Nothing can ruin a vacation quite like unexpected medical occurrences, so the more prepared you are to handle anything that comes your way, the better you will be able to get through it and concentrate on the more important stuff, like a Bavarian cream pie, luxury sports cars, and touring key world history sites!

Travel Insurance for Foreigners Visiting Germany

• Immigrating to and Becoming an Expat in Germany

Visa Insurance Advice:

• Travel Medical Plans Required for your Visa
• Best Travel Insurance for the Schengen Visa

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• Key takeaways

Do I need travel insurance to visit Germany?

Reasons you should get travel insurance for germany, more info on the top germany travel insurance plans, chow much does travel insurance for germany cost, what types of travel coverage do i need for germany, what isn’t covered by travel insurance, tips for getting the best travel insurance for your germany trip, germany travel information & requirements, germany travel insurance faqs, related topics.

Travel Insurance for Germany: Top Plans 2024

• Your U.S. health insurance won’t typically work in Germany , so it’s a good idea to have travel health insurance at a minimum.
• Travel insurance for Germany costs around $8-$10 per day for comprehensive coverage, but basic travel medical plans can be even cheaper.
• In addition to medical emergencies , comprehensive travel insurance will also usually cover trip delays, cancellations, and interruptions, as well as medical evacuation and lost or stolen baggage.
• Our top picks for travel insurance for Germany come from Seven Corners, John Hancock Ins Agency, Travel Insured, Trawick International, and IMG . (skip ahead to see these plans)
• We recommend using an online comparison tool to compare multiple quotes and coverage options all in one place.

Our top picks for the best germany travel insurance

• Trawick International: Best for Medical Evacuation Coverage
• Seven Corners: Best Value for Robust Coverage
• Travel Insured International: Covers Pre-Existing Conditions
• John Hancock Insurance Agency, Inc.: Best Coverage for Seniors
• IMG: Best for Adventure Sports

Our top picks for the best travel insurance for Germany

Trawick international, seven corners, travel insured international.

Even if you don’t need it to get a visa, you should consider buying travel insurance while visiting Germany as U.S. health insurance won’t cover you while abroad .

Travel insurance for Germany isn’t mandatory for stays lasting 90 days or less.

If you plan to stay for more than 90 days, you’ll need a Schengen visa. When you apply for this type of visa, you must prove that you have travel insurance with €30,000 minimum coverage for medical expenses. Your travel insurance must also cover the cost of repatriation if you have to end your trip early.

Here are some of the reasons you should get travel insurance for visiting Germany:

Safety on Autobahn highways

Germany is famous for its ultra-high-speed highways known as the Autobahn. While traveling on the Autobahn can be thrilling to visitors, it also poses safety risks for those unaccustomed to traveling at high speeds and driving in a foreign country where rules may be slightly different . In light of this, travel insurance with medical assistance and rental car coverage is an easy way to help you mitigate risks that could arise from accidents or damage to you or the vehicle while driving in Germany.

Hazards in the Bavarian Alps

The Bavarian Alps in Germany offer stunning landscapes for hikers, climbers, skiers, and more, making them one of the most popular areas to visit in Germany. However, the Alps areas are prone to natural hazards like avalanches and flash floods, as well as safety risks due to the adventure and sports activities typically enjoyed in this region. Travel insurance for medical emergencies, medical evacuation, and adventure sports coverage is key to staying fully covered while enjoying all the Alps have to offer. Not all plans cover adventure activities, so it’s important to compare plans before buying.

Weather disruptions to travel plans

Germany is located in Central-Northern Europe where the weather can be harsher than other countries like Spain or Portugal. Depending on when and where you visit Germany, you may experience unexpected rain or snowfall. It’s important to remember that weather is one of the main factors that can alter travel itineraries and lead to cancellations or delays. Opting for a travel insurance plan that covers delays, cancellations, interruptions, and more can help you minimize the inconvenience and financial risk associated with weather-related trip disruptions.

Public transportation

One thing people love when visiting Germany is how easy it is to get around. Whether you plan to stay in one city, move around the country, or visit neighboring countries, German public transportation is convenient and quite reliable. That said, there can be occasional interruptions due to maintenance, accidents, and strikes. Apart from this, if you aren’t familiar with using public transport it could cause disruptions in your travel itinerary. It’s important to be prepared for using public transport in Germany and to be covered for all possible scenarios. Travel insurance can cover expenses related to missed connections, delays, interruptions, and finding alternative transportation arrangements if needed.

Terrorism concerns

Like other major European countries, Germany has faced rising security concerns due to terrorist activities in recent years. One well-known event was the attack on Christmas Markets in 2016. While these events are rare, it’s important to take them into account and prepare for them when traveling. Most travel insurance policies can cover you in case of evacuations, emergency medical assistance, cancelations, or interruptions due to terrorist activities. Therefore, it makes sense to buy a comprehensive travel insurance plan and stay covered while you travel.

Theft at popular cultural events

Germany is home to world-famous cultural events like Oktoberfest and Christmas markets. These events are usually quite crowded and attract tourists from all over the world. As a result, they are often the target of choice for thieves and pickpockets . Travel insurance can reimburse you for personal items that are lost, stolen, or damaged while traveling. While it may not replace the sentimental value of your belongings, having the cost covered can mean the difference between ruining your trip or allowing you to pick up the pieces and enjoy the rest of your travels.

Best for Medical Evacuation Coverage

Why we like it.

Editor's take

The Safe Travels Voyager plan from Trawick International is one of the most highly rated plans on our list. This plan’s high coverage limits make it an attractive option for anyone traveling to Germany. The plans primary medical coverage comes in at $250,000 and its medical evacuation coverage tops a hefty $1 million - covering nearly all medical evacuation possibilities

The Safe Travels Voyager plan also offers both trip cancellation and trip interruption covering 100% and 150% of the costs respectively. This plan provides coverage for both domestic and international acts of terrorism and optional coverage to cancel your trip for any reason.

Travel delay coverage comes in at $3,000 and it also offers $2,500 per person and $300 per item, on any baggage delays and loss.

• Excellent medical coverage limits
• Up to $2,500 baggage coverage included
• Covers quarantine accommodation expenses
• Baggage delay coverage only kicks in after 8 hours
• CFAR only covers 75% of the insured trip cost

Best Value for Robust Coverage

Seven Corners’ Trip Protection Choice coverage is one of the most robust plans available for its relatively low cost. Comprehensive primary medical coverage comes in at $500,000, covering you for nearly all unforeseen medical emergencies. Complimenting this is Trip Protection Choice’s $1 million in medevac and repatriation coverage, some of the highest levels of medevac coverage on the market.

Along with medical coverage, this plan also offers non-medical evacuation coverage, trip cancellation, interruption, and delay coverage. This complements further clauses such as accidental death & dismemberment coverage, and baggage damage.

Read our full review

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Covers Pre-Existing Conditions

The Worldwide Trip Protector plan from Travel Insured International is another pan on our list that is perfect for those traveling with a pre-existing condition. Pre-existing conditions are automatically covered with this plan if the coverage is purchased within 21 days of the trip deposit.

This plan is also renowned for its 100% coverage of the insured trip cost due to cancellation and 150% of the insured trip cost due to interruption. The Worldwide Trip Protector plan will pay out $1,500 for trip delays and $500 for baggage delays - simply after only 3 hours’ worth of delays.

Medical coverage from the Worldwide Trip Protector plan is also an attractive perk. This includes $100,000 worth of medical coverage and 1 million worth of evacuation coverage.

• Travel delay coverage kicks in after just six hours
• Generous $150,000 non-medical evacuation coverage
• 24/7 emergency travel assistance included
• CFAR and IFAR coverage not included
• Baggage delay coverage only kicks in after 12 hours
• No rental car coverage

Best Coverage for Seniors

John hancock insurance agency, inc..

John Hancock’s Gold plan is a fantastic insurance plan for those with pre-existing conditions looking to travel to Germany. Automatically included in the coverage, this plan allows elder travelers to be free from the stresses of pre-existing conditions that may hinder them with other providers. Alongside this perk, the Gold plan also offers both trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost.

John Hancock’s Gold plan provides top-of-the-range coverage when it comes to all things medical. This plan offers medical emergency coverage worth up to $250,000 and $1 million in coverage for emergency medical evacuation and repatriation of remains - some of the highest across the market.

• Travel delay coverage kicks in after just three hours
• Generous coverage for emergency evacuation and repatriation of remains
• Optional CFAR upgrade available
• Baggage insurance comes with generous limits of up to $2,500
• Terror attack coverage included
• Baggage delay coverage requires a 12-hour waiting period

Best for Adventure Sports

IMG’s iTravelInsured Travel LX Basic plan is a great selection of coverage for those vacating in Germany. Its medical coverage worth $500,000 is a figure that covers you for most medical emergencies and being a primary coverage, you will not end up out of pocket while receiving your care. Medical evacuation coverage is a fantastic $1,000,000 per person and there is also an added bonus of $50,000 worth of non-medical evacuation coverage included.

Those partaking in sports and leisurely activities throughout their German vacation will be pleased to know that IMG’s iTravelInsured Travel LX Basic plan provides a wide range of sports-related coverage. This includes sports equipment delay coverage worth $2,000 and $10,000 worth of search and rescue coverage.

• 10-day money back guarantee
• Generous limits for trip delays, emergency evacuation, and more
• Coronavirus-related medical expenses covered
• Rental car coverage included
• Recently developed pre-existing conditions may not be covered
• CFAR and IFAR coverage only available as an add-on with premium plans

According to official sales data from Squaremouth , travel insurance for Germany costs, on average, around $317.77 for an average trip.

Based on our own official sales figures over the past year, our customers paid an average of $303.40 for travel insurance to Germany.

Travel insurance for Germany costs around $8 to $10 per day for a comprehensive plan that includes coverage for things like cancellations and delays. However, cheap travel insurance plans can often cost around $1 per day for the basic coverage.

To give you insight into the cost of actual plans, we got quotes from three popular providers for a trip to Germany.

This table displays three quotes for basic medical travel insurance plans.

If you want your policy to include things like trip cancellation and interruption coverage, you will need to purchase a more comprehensive plan such as the ones below.

For the following table, we have quotes for plans that reimburse you if your trip to Germany is canceled or interrupted.

Please note that these are taken from a hypothetical quote. Actual plan costs may vary and will depend on your own unique circumstances.

Keep in mind that many factors affect the cost of travel insurance:

• Trip length: If you plan to visit Europe for a few days, you’ll pay a lot less for insurance than someone who plans to stay for a month.
• Age: Health insurance typically gets more expensive as you get older. This is because older people are more likely to develop serious health conditions. As a result, older people pay more for their coverage.
• Trip cost:   The longer you plan to be a tourist in Europe, the more you’ll pay for insurance. This is because the insurance company will have to reimburse you a larger amount of money if your trip is canceled or interrupted.
• Coverage limits:   If you choose an insurance plan with high coverage limits, you’ll pay more than you would for a no-frills plan.

The above quotes were found using trip parameters for a 35-year-old visiting Germany in September 2024, for a 7-night trip costing $2,000.

We recommend opting for comprehensive travel insurance when visiting Germany. This will give you medical coverage plus protections from other things like delays, cancellations, and more.

Travel insurance plans for Germany can be broken down into two categories:

• Medical-based travel insurance 
• Comprehensive travel insurance

What is included in your overall travel insurance coverage will depend on the type of policy you purchase.

Medical-based travel insurance

The most rudimentary level of travel insurance for Germany should be medical-based. A basic medical insurance policy is often the cheapest level of insurance you can buy. Travel health insurance for Germany will cover you during your trip should you fall ill or require emergency medical treatment. 

Government medical insurance such as Medicare, Medicaid, and private US insurance will not be valid in Germany. Therefore, having no medical insurance will leave you picking up the bill should the worst happen during your trip.

Medical-based travel insurance policies usually cover two separate coverage limits for medical emergencies and emergency medical evacuations:

• Emergency medical insurance: At the very minimum, we recommend purchasing a travel insurance policy that covers medical emergencies. This type of coverage will protect you should you require any hospital treatment such as blood tests, IV fluids, and other types of medical care.
• Medevac insurance: If you are planning to visit remote locations throughout your Germany vacation such as the Bavarian Alps, medical evacuation insurance is a must. This part of the policy will cover you should you need transport to the nearest suitable medical facility in an emergency.

Medical plans will not cover you for far more in-depth travel insurance add-ons such as trip cancellations or trip cost reimbursement. If you require this added extra, you should opt for a far more comprehensive travel insurance plan.

Comprehensive travel coverage

When purchasing a travel insurance policy, you will have the option of choosing plans that reimburse you for non-refundable prepaid trip expenses and plans that don’t. If you require coverage for such things as trip cancellations , trip interruptions, travel delays, and the loss of personal items, you should purchase a policy that covers trip cost reimbursement. 

Your vacation to Germany may be interrupted or canceled based on unforeseen events such as a terrorist attack, social unrest, or extreme weather conditions. If this is the case, you will need to buy a policy that offers cancellation and interruption coverage for prepaid, nonrefundable expenses to claim your money back.

Optional Add-ons

Some travel insurance policies for Germany will offer cancel for any reason (CFAR) insurance . With this type of coverage, you can cancel your travel plans for any reason at all and still get back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance with your travel insurance to Germany will allow you far more flexibility should you change your travel plans.

In most circumstances, travel insurance policies will exclude coverage for the following circumstances:

• Claims resulting from illegal activities
• Claims related to medical tourism
• Injuries resulting from intoxication from drugs or alcohol
• Cancellations due to fear COVID-19 ( See COVID-19 travel plans )

Other than these highly obvious reasons, some travel insurance providers will also include restrictions for the following situations:

• Pre-existing medical conditions: Unless you have a waiver included in your travel insurance policy, most providers will not offer coverage for a pre-existing condition . To qualify for this waiver, you must purchase your travel insurance plan within 14 to 15 days of making your initial trip deposit.
• Adventure sports: General travel insurance plans will not include coverage for adventure sports that can result in injury. This includes activities and sports such as skiing, rock climbing, and other adventure activities. If you do plan to take part in activities such as this during your Germany trip, you must purchase coverage that includes these sports.
• Pregnancy-related care: Basic travel insurance policies will not cover you for regular wellness care and a normal delivery during pregnancy. However, emergency care that you require while traveling while pregnant may still be covered.

Even if you don’t need a visa, getting German travel insurance has many benefits. To find the best travel insurance at the best price, follow these tips:

• Shop around: Compare costs before you commit to a specific health insurance or general travel insurance provider. You may be able to get the same coverage for a fraction of the price that other companies are charging.
• Use common carriers: Remember, trip delay insurance only works if you’re delayed while traveling via a public airline, passenger railway, or another common carrier.
• Opt for a comprehensive package: Look for one that includes health insurance, trip cancellation insurance, trip delay insurance, and coverage for lost, stolen, and damaged baggage. If you plan to rent a vehicle, consider adding rental insurance.
• Review your itinerary:   If you plan to participate in any risky activities, such as skiing or ziplining, you may need to purchase additional coverage.
• Determine how much flexibility you need: If there’s a good chance your plans will change once you get to Germany, you may want to pay more for higher coverage limits.

The table below shows key information you should know before traveling to Germany:

Do I need a visa or passport to visit Germany?

You must have a passport with at least two blank pages to visit Germany. You don’t need a visa unless you plan to stay for more than 90 days. In that case, you’ll need a Schengen visa.

Are there COVID-19 restrictions for U.S. travelers?

According to the German Missions in the United States , Germany has lifted all travel restrictions related to COVID-19. This includes vaccination and testing requirements. Recent reports from the CDC have shown that COVID cases are on the rise, you should therefore consider having a COVID travel insurance policy in place, just in case you fall ill during your vacation.

Is Germany a Schengen country?

Yes. It’s one of 27 countries in the Schengen Zone , a border-free area that allows people to move around without having to go through border checks while crossing from one country to another.

Is it safe to travel to Germany?

The U.S. Department of State has issued a Level 2 advisory due to heightened safety and security risks.

You need travel insurance if you plan to stay in Germany for more than 90 days. Otherwise, this type of insurance is optional.

How much is travel insurance for Germany?

Based on the seven quotes we received, German travel insurance costs an average of $282.55 for a 7-day trip.

What should I look for in a Germany trip insurance policy?

Look for comprehensive insurance that covers a wide variety of scenarios, including cancellations, delays, lost or stolen baggage, medical emergencies, and medical evacuation.

Is German health care free for Americans?

No. Americans aren’t eligible for the free health care provided to German citizens

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Top Travel Insurances for Germany You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

A major destination in the heart of Europe, Germany is a country with a fascination history and culture. It's known for its charming old towns, vibrant modern city life, beer and bratwursts, and world-class museums. Although travelling to Germany can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Germany and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Germany Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Germany:

Best Travel Insurances for Germany

• 01. Should I get travel insurance for Germany? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Germany scroll down

Heading to Germany soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Germany?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Germany. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Germany or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Germany:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Germany. It lets you choose between various plans tailored to meet the specific needs of your trip to Germany, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Germany:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Germany? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Germany

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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7 Best Germany Travel Insurance Plans for US Citizens in 2024

Updated on January 10, 2024 by Matthew H. Nash – Licensed Insurance Agent

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to Germany travelers. Learn more at the end of this page.

STARTING PRICE FOR 2-WEEK TRIP TO THE GERMANY

CAN YOU CANCEL YOUR TRIP FOR ANY REASON? 

BEST  WEBSITE FOR

Comparing Policies

• Compare dozens of the best Germany travel insurance policies from all the major providers in one place
• Easily filter for the features you want and get support from their award-winning customer service team
• Founded in 2013, TravelInsurance.com has helped hundreds of thousands of travelers find affordable insurance coverage

BEST  POLICY FOR

Fast Claims

• Super fast claims via their 100% digital platform with a helpful mobile app
• Faye makes it easy to add-on coverage for vacation rentals, adventure/extreme sports, pet emergencies, and “cancel for any reason” at competitive prices
• Underwritten by Crum & Forster, Faye is known for its exceptional customer support, with 4.8/5 stars on Trustpilot

• SwiftScore Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to travelers. Learn more at the end of this page.

BEST POLICY FOR

Travelers Aged 55+

• Pre-existing medical conditions are covered for a reasonable fee and they offer “cancel for any reason” as an add-on
• $2,000 COVID quarantine coverage available w/ Safe Travels Voyager plan
• Founded in 1998 and underwritten by Nationwide and GBG Insurance

BEST WEBSITE FOR

Filtering Plans

• This comparison website has the most comprehensive filters especially for Covid-19 which helps you search for the specific benefits you need
• They have “Zero Complaint Guarantee” which promises a fair claims process
• Established in 2003, Squaremouth has consistently been recognized for it’s exceptional customer service

BEST POLICY FROM

An Established Brand

• Well rounded, inexpensive travel insurance plans from an established and top rated global insurance company
• AXA has plans that cover pre-existing conditions and their “Platinum” plan covers “cancel for any reason” with an optional add-on. They also offer helpful 24/7 Worldwide Travel Assistance Services
• Founded in 1959 and underwritten by Nationwide

Family Travel

• Their “Trip Interruption for any Reason” feature allows you to get a 75% reimbursement for any additional expenses if you decide to go home early from your trip
• They have a variety of insurance products to suit any travel needs
• Founded in 1993 and underwritten by Nationwide Insurance

$521 Per Year

Long-term Travel

• Ideal for digital nomads and long-term travel, available to anyone anywhere
• Scored lower because short-term travel coverage isn’t as robust as competitors
• Founded in 2018 and is underwritten by Lloyds of London

CAN YOU CANCEL YOUR TRIP FOR ANY REASON?

Germany travel insurance FAQs

Is it safe to travel to germany.

While traveling to Germany is usually safe, I recommend consulting the US Department of State’s Travel Advisory page for up-to-date safety and security information.

Which company is best for Germany travel insurance?

Since there are 22 reputable travel insurance companies out there, using a comparison website will allow you to find the best travel insurance plan specific to your needs. I prefer WithFaye.com as they only list policies from the most trusted providers in the industry. Their site also has easy-to-use filters and their customer support is world-class.

What should I look for in a Germany trip insurance policy?

It is essential that whichever travel insurance company you intend to purchase a policy from includes Germany in their coverage (only a few countries may be excluded, but it can change depending on world events). Next, your policy will need to cover the entire duration of your trip, including the day of your return. Also, will you participate in any adventure activities or extreme sports while on vacation? If so, check with each provider to determine if your preferred activities are included in the coverage. In my experience, the best comparison site to filter for specific adventure sports is SquareMouth.com . Another significant aspect of purchasing Germany travel insurance is whether or not you have a pre-existing medical condition. If you do, you will need to buy an upgrade package to be fully covered while traveling abroad. Lastly, with the uncertainty that still remains with travel, I recommend getting a “Cancel for Any Reason” (CFAR) policy because then you will be able to change plans for almost any reason and get 75% of your trip cost back even if you don’t feel like traveling.

When is the best time to get Germany travel insurance?

It is always a good idea to purchase Germany travel insurance, particularly a Trip Cancellation policy, sooner rather than later, as it protects you and your travel companions against unexpected events before and during your trip. However, if you need a “Cancel for Any Reason” (CFAR) or Pre-Existing Condition upgrade package, know that they have a narrow purchase window of 14-21 days from when you paid the deposit on your trip. Always check with your travel insurance provider for their precise terms and conditions.

What does “Cancel for Any Reason” travel insurance mean?

“Cancel for Any Reason” (CFAR) travel insurance comes as an upgrade package that you can tack onto your standard policy. It essentially means you can cancel your trip for any reason. You will typically receive a 75% reimbursement of your non-refundable trip costs that your standard travel insurance policy doesn’t cover.

Will insurance cover my bills if I’m hospitalized in Germany?

Your medical insurance in the US will most likely not cover any medical expenses you may incur while in Germany. If it does, it will only give you partial coverage at best. Medicare does not cover any international medical care. All the more reason to pruchase the right travel insurance plan as soon as you book your trip to Germany.

What is “total trip cost” in travel insurance?

Trip Interruption and Trip Cancellation benefits are determined based on your total trip cost, so it is crucial to calculate it correctly. You will need to calculate the full cost of prepaid, nonrefundable expenses, such as ground transportation to your destination, airfare, cruise, hotels, retreats, tours, tickets for events and entertainment, lessons, and activities. The key is to include everything you have prepaid for which you would not receive a 100% refund if you had to cancel, along with any penalties you would have to pay if you cancel even if no prepayment were required. To be eligible for all benefits in your policy, always round up to the nearest dollar, never down. Also, be sure NOT to claim your trip is cheaper than it is to get a more affordable plan, or you will be deemed ineligible for benefits stated in your policy.

How do you file a travel insurance claim?

On all travel insurance provider websites, there should be a link in the footer that says something like “Claims” or “Make a claim” which will then lead you to the next steps. Most providers offer an online claim process in addition to regular claims submitted via mail.

How long does a travel insurance claim take?

On all travel insurance provider websites, there should be a link in the footer that says something like “Claims” or “Make a claim,” which will lead you to the next steps. Most providers offer an online claim process in addition to a regular claims process submitted via mail.

Most common problems while traveling in Germany and how to avoid them:

There aren’t as many illnesses you’ll need to worry about during your travels through Germany as you would in more tropical locales. That said, the tick population continues to grow in Germany, which means an increasing prevalence of Lyme disease. If you plan to hike during your time in Germany, wear long pants, high socks, and high-ankle shoes or boots. In addition to using a strong bug spray, wear light-colored clothing to make inspecting yourself for ticks throughout the day and before you return to your accommodation much easier. And for those with long hair, tie it up and get it off your neck, as our hair is a favorite hiding spot for ticks. Tourists in Germany may also experience food poisoning, but it’s no more common than in the US. If you need any over-the-counter remedies, you must locate your nearest pharmacy (apotheke) as drug stores in Germany do not sell medicine. Be aware that it is not unusual for pharmacies to have a doorbell you must ring in order to enter.

Accidents among tourists in Germany are often the result of tripping or falling or from sports and adventure activities. If you get an injury, even a minor one, consult a medical professional immediately. Medical services in Germany are of a very high standard.

Germany is one of the safest countries in Europe, but mugging and pickpocketing still occurs. Always exercise common sense, regardless of where you are. Only use cash machines inside of banks and avoid those in subway stations. Keep expensive belongings out of sight, all bags close to your body and always in sight. Avoid walking alone late at night, particularly in subways, areas around train or bus stations, red-light districts or other potentially desolate urban spaces.

Emergency resources for Germany

Phone numbers.

Dial 110 from any phone to reach the police and 112 for an ambulance or the fire department.

US embassy or consulate details

The US has an embassy in Berlin as well as consulates in Düsseldorf, Frankfurt, Hamburg, Leipzig, and Munich. For their respective addresses and phone numbers or more information on citizen services, visit the US Embassy in Germany’s website . Travelers looking to take extra precautions often register their trips to Germany via the Department of State’s Smart Traveler Enrollment Program . Each time you list a trip through this program, you will receive travel alerts for your specific destination. Registering also enables the nearest embassy or consulate to liaise with you or your family in an emergency.

Other local knowledge that is helpful for travelers

Germany uses the euro (€). Credit cards are accepted, but cash is the most widely accepted form of payment. Therefore, you will need to get cash as soon as you arrive. To get the best exchange rate, hit up an ATM––known as a cash machine in English and a geldautomaten in German–– to withdraw cash from your US bank account. Most local cash machines will charge you a fee, but you will still get better rates than you would at currency exchange businesses. Before you depart the States, you will need to notify your bank of the countries you will be visiting and which dates. Otherwise, they may lock your account after your first attempt to use your debit card. Keep plenty of cash on hand throughout your trip through Deutschland. Credit cards are typically used for hotels, rental cars, flights, trains, and other higher ticket purchases as well as some restaurants. Most European card readers require you to enter your PIN, regardless of whether it is a credit or debit card.

Getting Around

Germany has excellent public transport systems within their cities and on a national level, linking cities, towns, and villages throughout the country via train, bus, and boat (along the Rhine, especially). Within urban areas, there is often a combination of the following public transport to choose from subway (U-bahn), streetcars (trams), electric rail (S-bahn) and buses. Most cities will allow you to transfer from one form of transport to another using the same ticket to get to your destination, but be sure to purchase the appropriate ticket for the distance you are traveling. Also, many German transport services operate on the honor system, meaning spot-checks for tickets are conducted at random. Hold your ticket until you arrive at your destination and exit the station. German authorities do not look kindly on those who cannot present their tickets upon request and will fine them. While it is quite easy to explore Germany without a car, many people still choose to rent one. The good news is that renting a car is rather straightforward. Also, most rental cars come with manual transmissions, so you must specify an automatic when filtering on comparison sites for the best rental car offers. It can, however, be more expensive than what you are used to paying at home in the US, especially if you want one with an automatic transmission. Americans will enjoy driving in Germany as the roads are well-maintained and everyone drives on the right side of the road. Note that Germany sells petrol (gas) by the liter, and with approximately 4 liters to a gallon, gas is far more expensive than in the US. Remember to get your International Driver’s Permit (IDP) before leaving for your vacation. IDPs are easy to get and are available from AAA .

Local Customs

Germans are much more formal than Americans, so avoid being too familiar unless the locals you interact with take a more casual approach. Otherwise, addressing people as Frau (Mrs.) and Herr (Mr.) and their last names is appropriate. Context, of course, is everything. Another social norm is to greet people, including shopkeepers and business owners (or their staff), with a simple guten morgen (good morning) or guten tag (good day, hello, good afternoon). Auf Wiedersehen means to see you later, but it is also frequently used when leaving an establishment. For more casual situations, hallo! (hello) and tschüss (ciao/bye), which sounds like ‘choose’ but with a soft ‘s.’ Bitte (please) and danke (thank you), also go a long way in creating respectful interactions. While in Germany, respecting their tradition of punctuality is a must. Therefore, if your hotel tells you that breakfast is between 7-9 in the morning, do not arrive in the dining room at 9:01 expecting a hot breakfast. The same is true for any tours and excursions you book. Don’t just be on time––be early! However, you have to know the correct time to be on time! Unlike the US, Germany uses a 24-hour clock (military time). This means that 6 in the morning is 06:00, but 6 in the evening is 18:00. Lastly, be aware that Germans still smoke a fair bit. While smoking in pubs and restaurants was banned in 2008, you will notice that many people disregard it altogether. Attempting to impose your beliefs on locals will not get you anywhere. If you are sensitive to cigarette smoke, request a non-smoking room upon making a hotel reservation.

While free public restrooms abound all over the United States, the same cannot be said for Germany. Sure, you can find public bathrooms there, but you will need to pay a fee to use them. The prices vary, depending upon whether they are managed by the local government or a private company, but they are affordable. The bathroom attendant collects your fee and is responsible for keeping the restroom clean and hygienic. Note: In Germany, they do not use the term “restroom.” Instead, they refer to it as the toilette or toiletten (plural for large public bathrooms).

The upshot is that any physical item you purchase that exceeds €25 may be eligible for a VAT refund. You can request a VAT refund form from the seller. Not all businesses participate in the refund system, and the law does not require it of them. However, make sure that the shopkeeper stamps the refund form if they do. Otherwise, it will not be considered valid. Save all of your receipts and their respective refund forms, as you will need them when you depart Germany (or the EU from another country) from any international airport. Note that if you seek a refund on items you packed in your check-in luggage, let the check-in agent know that you still need your bag(s) to collect your tax refund. Most customs and refund offices are located after passport control, but to be safe, ask the check-in agent to point you in the right direction. Once the customs inspection is complete, and your refund is approved, the airport staff will deliver your luggage directly to your flight. Refunds are made on the spot, but allow 45 minutes to 1-hour for this entire process. You can find more information on this process at Global Blue .

Like most of Europe, Germany includes their version of sales tax in the prices you see on menus and tags, known as value-added tax (VAT). The rates are 7% for food, public transport, books and periodicals, hotels, cultural events, medical and dental services, and takeout food (take away). Look at your bill in restaurants to see if a service charge (bedienung) is included in the total. If not, tipping 10-15% is appropriate. Even if a service charge is included, you are welcome to tip an extra 10-15% for good service. Always tip in cash, and hand it directly to your server. Leaving it on the table is a no-no. In bars, tipping tends to be a bit more relaxed. Rounding up to the nearest euro is typical. The same holds for tipping taxi drivers too. However, if they help you with your luggage, 10% or a minimum of €1-2, whichever is greater, is appropriate. For tour guides, feel free to tip anywhere from €2-10, depending on how long the tour was and if you enjoyed yourself. Tipping in hotels tends to be more standardized: €1-2 for room service staff, doormen, housekeepers (daily) and porters.

A final note about travel insurance for Germany

I have spent dozens of hours researching travel insurance, including getting quotes and comparing coverage from all the most popular brands. Regardless of where you’re going I am confident that you will also find that WithFaye.com offers the best way to compare policies with the ideal combo of coverage and price.

I wish you and yours an incredible journey.

SwiftScore Ranking Methodology

• Average price for a 2-week vacation based on a 35-year-old California resident traveling to the Germany with a $3,500 trip cost
• Coronavirus coverage
• Cancel for any reason (CFAR)
• AM Best rating of the underwriter
• Key policy details including cancellation, interruption, emergency medical evacuation, and baggage & personal effects
• Ease of sign up
• Policy language clarity
• User reviews

• Netherlands
• Switzerland

• Travel insurances

All travel insurances at a glance

Get to know the different kinds of travel insurances.

Travel cancellation & curtailment insurances – protection before and during your holiday

Our travel cancellation & curtailment insurances cover you for expensive costs for cancelling or curtailing worldwide holidays.

Travel health insurances – like being a private patient abroad

It should always be packed in your luggage: overseas health insurance for your holiday or stay abroad.

Incoming insurances – insurance cover for stays in Germany

Travel insurance for foreign guests in Germany and to secure Schengen visas when travelling in the EU and Schengen countries.

Corporate Travel Insurance Packages – worldwide protection for your employees

Our offer for corporations, that would like to insure their employees business trips and long term stays abroad.

Excel­lent bene­fits – test winner and "very good" at Banking­Check

Our products regularly receive awards from Stiftung Warentest Finanztest

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Are you living in Switzerland?

If you are living in Switzerland we recommend visiting our Swiss website. There you are given valuable information and you can take out all travel insurances online.

For legal reasons you are not allowed to book travel insurances on our German website. We apologize for the inconvenience.

Switch to Swiss website

Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

7 Reasons You Need Travel Insurance in Germany

Are you looking for travel insurance in Germany? Here’s what you should look for in a plan and a few other useful recommendations.

How important is it to have travel insurance in Germany? Picture this:

You have the convertible rental’s top down and the wind is blowing through your hair as you speed down the world-famous autobahn at 90 mph (or 130 mph, in my case!). But suddenly, the car in front of you stops and you can’t hit the breaks on time.

What would you do if you suffered an injury in a foreign country? Regardless of how it happened—whether you were driving recklessly or not—that’s a scary thought.

Fortunately, the thought of visiting a hospital is less scary if you have travel insurance in Germany to protect you.

Not only does travel insurance cover your medical bills abroad, but it also protects you in a variety of other unexpected incidents. Missed flights, stolen cameras, and even damaged luggage. These are just a few examples of what could happen during your trip—to Germany or anywhere else in the world for that matter!

With travel insurance, you’ll have peace of mind when traveling. That way, you can relax and enjoy your trip to Germany, or wherever else in the world you want to visit.

What is Travel Insurance?

ravel insurance protects you for a variety of travel and medical-related incidents. Although benefits will vary between different insurance companies, good travel insurance will include the following categories:

• Trip cancellation and trip interruption
• Medical emergencies and evacuations
• Stolen, damaged or lost baggage and property

Your domestic health insurance plan may not cover you when traveling to Germany. It probably doesn’t cover you anywhere besides your home country.

And generally speaking, it probably won’t include protection for your personal belongings or trip cancellation.

That’s why it’s crucial to purchase travel insurance before heading to Germany, or anywhere else in the world. Not only does travel insurance protect your trip. But it could also save you thousands of dollars in bills and expenses.

Many people return from their Germany trip with nothing but positive experiences, as it’s very safe to travel to Germany.  On the other hand, emergencies can happen at any time. That’s why we call them accidents.

Car Accidents Can Happen On the Autobahn

Without an enforced speed limit, cruising down the German highway is either an exhilarating or nerve-wracking experience. If you’re not paying attention to the road, you might rear-end someone.

Or in the worst-case scenario, you could cause a severe accident.

Pickpockets Do Exist 

Busy areas like subways, city centers, and tourist attractions are prime locations for pickpockets. If you’re not careful, you might not notice someone stealing your camera or wallet from your bag.

Bicycle Theft Is Common

Cycling is one of the best ways to explore a city in Germany. However, thieves are often lurking around for unlocked bikes. If you forget to lock it up, you might find the entire thing gone by the time you return.

Cycling Itself Can Be a Danger Too

Every year, it’s estimated that over 7,000 people get into bike-related accidents in Germany.

While renting a bike makes it easy to get around, you need to watch for pedestrians and cars. One wrong move and you might land yourself in the hospital.

Some Foods May Make You Ill

When you’re surrounded by juicy pork knuckles and deep-fried schnitzel, it’s hard not to indulge in unhealthy foods while in Germany. You may not be used to such a meat-heavy, caloric diet. As a result of overeating, you might need to see a doctor during your trip.

Long-Distance Trains Can Be Cancelled

Germany’s railway system is fast, efficient, and for some routes, expensive and non-refundable. You may lose money if your train is canceled due to strikes or bad weather.

Not to mention, you’ll need to purchase another ticket for a future journey.

Football Matches Can Turn Violent

Germans take football (or soccer to us Americans) very seriously, and attending a live game in Germany is an exciting experience. But despite a significant police presence, you may notice clashes and fights between fans of the rival teams. If you get caught in the middle, you may even get injured.

What Travel Insurance in Germany Covers

Travel insurance benefits depend mostly on the policy. However, the best travel insurance  in Germany should include coverage for everyday travel and medical situations.

Trip Cancellation

Traveling through Germany can be expensive between your flights and hotels. And what happens if you need to cancel your trip before you leave? You’ll most likely be stuck paying for those non-refundable costs entirely out of pocket.

However, trip cancellation coverage will provide reimbursement if you are unable to go to Germany. Compensation only covers reasons like illness or death of a family member.

Are you looking for full protection? It’s recommended that you purchase a policy that covers the entire cost of your trip.

Trip Interruption

Trip interruption will cover the unused expenses if you need to leave Germany early for a certain reason. Covered reasons include family emergencies, natural disasters, and illness.

The best Germany travel insurance will provide trip interruption coverage for the entire cost of your trip.

Medical Emergencies

From car accidents to food poisoning, medical emergencies can happen at any time during your trip to Germany.

If you need to go to the hospital, then medical emergency coverage will reimburse the cost of your medical bills. Some Germany travel insurance companies will also have emergency dental coverage.

You should consider purchasing a policy that comes with at least $100,000 in medical emergencies. This is an acceptable level of comprehensive coverage.

Medical bills are expensive after all. Without travel insurance, you may have to pay the entire amount yourself.

Medical Evacuation and Repatriation

Travel insurance should also cover transportation to the nearest medical facility. Medical Evacuation coverage will pay for your trip to the hospital, via ambulance or helicopter.

What if the hospital cannot treat your injury? Medical repatriation will cover the cost of sending you back to your home country.

As a rule of thumb, the further you need to be transported, the more it will cost. For this reason, your travel insurance in Germany should include at least $100,000 in medical evacuation and repatriation coverage.

Lost, Stolen or Damaged Property

Travel insurance will cover any items that get stolen or broken. Electronics, clothing, and other personal belongings are usually included with your Germany travel insurance policy.

Travel insurance should provide coverage if your luggage is lost or delayed by the airline carrier.

However, there may be a maximum reimbursement amount. For example, travel insurance may only reimburse $500 for your stolen laptop, even if the laptop originally costs $2,000. And in many cases, you won’t have protection if you lost the item due to negligence.

The Best Travel Insurance for Germany

World nomads : the best overall travel insurance for germany.

World Nomads is one of the biggest names in the travel insurance business. Their plans are created specifically for travelers.

There are two different plans to choose from:

The Standard. This plan comes with $300,000 medical evacuation and repatriation and $1,000 in lost or stolen property.

The Explorer. This plan includes $500,000 in medical evacuation and $3,000 in lost or stolen property.

Both plans include $100,000 in emergency medical coverage, which should cover most incidents and hospital visits.

Best of all? World Nomads provides coverage for extreme sports and activities. Whether you’re skiing in the Alps or sailing through Lake Constance, you’ll have protection with World Nomads

Allianz : The Best Germany Travel Insurance for Seniors

Germany attracts visitors from all over the world and from every age group. However, most travel insurance companies only provide coverage for travelers up to a certain age.

Fortunately, there’s Allianz Global Assistance . With an Allianz travel insurance  plan, there’s no age limit for policyholders, which makes it an excellent option for seniors. Each plan offers you the same trusted and reliable service that Allianz is known for.

When traveling to Germany, Senior travelers should invest in the OneTrip Premier plan. Coverage includes:

• $50,000 for medical emergencies.
• $1,000,000 for medical evacuations.
• $2,000 for lost or stolen property.

InsureMyEquipment : The Best Travel Insurance for Camera Equipment

Most travel insurance policies include coverage for personal belongings. But they usually only reimburse up to a certain amount. This means you may not get the full cost when claiming expensive items like a laptop or a computer.

If you’re traveling with lots of gear, then consider taking out a supplemental insurance policy with InsureMyEquipment.  That way, your camera and other equipment will be protected against damage and theft.

InsureMyEquipment only covers the cost of electronic equipment. They do not offer any medical or trip coverage.

How to File a Claim if Something Goes Wrong in Germany

If you need to use your travel insurance while in Germany, you should familiarize yourself with the claim filing process.

We put together a set of guidelines to help you file a claim with your insurance provider. However, the exact steps will vary depending on your policy.

Take Precautions Before You Travel

There are some steps you can take to protect your trip before you ever step foot in Germany.

Make sure you print and pack your travel insurance information. If you need to use your travel insurance during your trip, you’ll be thankful to have the customer service number and your policy number at hand.

Along with travel insurance information, you should also make copies of your passport. You’re required by German law to have a form of identification on you at all times. It’s easier (and safer) to carry a copy of your passport rather than the original document itself.

Then, make a list of in-network providers in Germany that accept your travel insurance. In dire emergencies, you’ll know the names of hospitals that you can visit.

Finally, it’s always a good idea to tell your family and friends about your Germany itinerary . Include your flight and train information, hotel dates, and any other information about where they can reach you in case of an emergency.

Call the Insurance Provider’s Hotline

If something goes awry on your trip, you can always contact the 24/7 hotline provided by your travel insurance company. The customer service representative can advise on next steps, or where to locate the nearest hospital or police station.

In severe emergencies, contact the police or go straight to the hospital. As always, you can call your travel insurance provider after.

Document the Incident or Accident

You’ll need to provide your travel insurance company with documentation of the incident to make a claim. The more information you have, the more likely it is that your claim will be approved.

Let’s say your camera gets stolen while riding on the subway. Your travel insurance provider will need an incident report from the policy, as well as the receipts showing the cost of the camera.

File the Travel Insurance Claim

The best Germany travel insurance will allow you to file your claim online or through an app. But depending on the company, you may be required to submit everything through the mail instead.

In addition, it’s essential to file your claim on time. If you file past the date, you might not be eligible for any reimbursement from your travel insurance company. The timeline differs between companies but is between 10-60 days on average.

The Reimbursement Process

Finally, your Germany travel insurance will need to process the claim. If it’s approved, you’ll get reimbursed anywhere from a few days to several weeks. However, they may require further information, which could delay your approval.

Always Purchase Travel Insurance in Germany

Whether you’re hiking the Bavarian Forest or train-hopping through the idyllic countryside, Germany has an adventure for every type of traveler.

We all seek adventure in our own unique ways. But travel insurance is important no matter where you go in the world. Even the smallest accident can change your life forever.

Travel insurance protects you from these kinds of accidents. With this peace of mind, you’ll feel comfortable enough driving down the autobahn, skiing through the Alps, and drinking your way through Oktoberfest without any accidents or mishaps disrupting your trip.

Just remember to have the best Germany travel insurance there to protect you!

Germany Travel Insurance FAQs

Do i need a travel insurance to travel to germany.

Yes, you should always have travel insurance, and that includes traveling to Germany.

Can I go to Germany without travel insurance?

Technically, yes, you can go to Germany without travel insurance. That doesn’t mean you should.

Can I use foreign health insurance in Germany?

Whether you can use foreign health insurance in Germany depends entirely on your insurance provider.

Is German healthcare free for foreigners?

No, German healthcare is not free for foreigners, but foreign students or Expats may qualify for statutory insurance.

Does my US health insurance cover me in Europe?

No, your US health insurance  most likely doesn’t cover you in Europe.

Tara Burgess

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Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Money latest: McDonald's to start selling bigger burgers - as it makes very rare changes to classic items

The fast food giant has revealed its chefs have created a "larger, satiating burger" in a bid to boost sales. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Wednesday 1 May 2024 20:00, UK

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• Wait for interest rate cut leads to surprise dip in house price growth
• McDonald's to start selling a bigger burger

Essential reads

• You're probably washing and storing your clothes wrong. Here's what you should do instead
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Ask a question or make a comment

Are you struggling because of high interest rates? Sky News is keen to hear from people who are due to refix their mortgages this year or are on a variable rate or tracker mortgage or trying to get on the housing ladder. 

Email us your stories at  [email protected]  - or WhatsApp us  here .

The Fed has issued its latest policy statement, announcing it will keep interest rates at the same level. 

It did note inflation has eased over the past year, and it is still leaning towards eventual reductions in borrowing costs. 

However it pointed out recent disappointing inflation readings, suggesting moves towards more balance in the economy had stalled. 

If you're wondering why we're telling you this, it's because there is a link between the Fed's interest rate and the Bank of England's base rate. 

The interplay between the two can affect the value of the pound and currency alternatives such a gold.

Market expectations for the UK base rate are often heavily influenced by what's going on in the US. 

Untreated sewage was released into designated shellfish waters for 192,000 hours last year, new research has found.

The hours of sewage dumping were spread across 23,000 separate incidents.

Some fishing waters in Cornwall were forced to close last year after high levels of e.coli were found in oysters and mussels, and norovirus can also be transported via human waste.

Read the full story here ...

Shares in luxury carmaker Aston Martin have plummeted as much as 14% today after it announced bigger than expected losses. 

Aston Martin revealed adjusted pre-tax losses of £111m for the first three months of the year, compared with £57m a year earlier. 

Analysts had expected a loss of £93m. 

The losses were due to higher finance costs and the timings of its car launches.

B&Q is introducing plastic plant pot recycling stations at more than 100 of its stores across the UK. 

Customers will be able to drop off their unwanted pots in store so they can be recycled and turned into new planters. 

B&Q's 100% recycled plastic Blacksmith Planters will be available in stores for £4. 

UK supermarkets could soon see a "healthier" version of white bread, according to scientists.

A team of researchers at Aberystwyth University will be studying the milling and blending process for white flour.

Peas, beans and oats could be added to wheat flour to boost its nutritional value.

The research project has been funded by Innovate UK, the UK's national innovation agency.

Parents taking their kids to Taylor Swift concerts this summer might be worried their lack of knowledge will leave them feeling a bit left out.

But what if we told you you could be a mastermind?

That's the promise of a new college course ahead of the biggest pop star in the world hitting the UK in June.

The 7 May course, which is run by the  Glasgow Cylde College and is free, will give members of the public a jam-packed session that will leave them ready for the singer's upcoming  Eras Tour.

Those who enrol in a one-off college masterclass will learn about the pop star's music, set lists, crowd chants and even her "evolving wardrobe and hairstyles".

A statement on the college website reads: "Ahead of her hugely anticipated arrival, Glasgow Clyde College is offering a one time-only masterclass aimed at preparing parents and plus ones of Taylor superfans, providing the full Love Story on all things Eras Tour to help them have the best night of their lives.

"From set lists and crowd chants to need-to-know information on each Era, the masterclass, which is being delivered by a Taylor Swift expert, will give people a whistle-stop lesson that'll leave them ready for the gig."

You can book your Swiftie masterclass here .

The cocoa market is in a particularly turbulent period, with the price of the ingredient falling to its lowest level in a month. 

It comes after prices reached their highest peaks in more than four decades earlier in the year, making it reportedly more expensive than copper. 

Traders had been betting on an acute supply shortage driven by poor harvests in West Africa. 

However, the rally made it more expensive to maintain positions and prompted traders to pull out of the market - leaving the product vulnerable to big price swings. 

The price has now fallen by 16% since the end of last week, offering some relief to chocolate makers/eaters.

The fast food giant has revealed its chefs have created a "larger, satiating burger" in a bid to boost sales, according to Bloomberg. 

The mega-sized burger is reportedly designed to attract customers who want more filling patties. 

It will be introduced in certain markets first to test its appeal. 

McDonald's unveiled plans in December that bosses hope will boost growth by focusing on core menu items. 

The chain has seen sluggish sales, partly due to its perceived support of Israel in Middle East and Muslim-majority markets. 

McDonald's has denied taking any position in the ongoing conflict and said it is not responsible for the actions of its franchisees.

So far, it has launched an ad campaign highlighting what it says are improvements to its Big Mac, quarter pounder with cheese and double cheeseburger.

This is apparently the first time in the company's 84-year history that it has made changes to its classic burgers.

By Emily Mee , Money team

Discovering a hole in your favourite pair of jeans or a rip in your well-worn cosy jumper is certainly irritating - but it doesn't mean those items are destined for the bin. 

In fact, ethical fashion campaigners say that's the last place your items should be going. There is usually plenty you can do to repair them - or even to avoid damage in the first place. That way, you can keep your best-loved pieces in your wardrobe for years to come. 

Katrina Caspelich, from fair fashion campaign Remake, takes the Money blog through what you can do...

Store your clothes better

Clean them before storing them: Always ensure that clothes are clean before storing them. Launder or dry clean them according to the care instructions on the label. Stains and dirt can attract insects and cause fabric deterioration over time.

Use breathable storage containers: Opt for breathable storage containers such as cotton canvas bags or boxes instead of plastic bins. This allows air circulation and prevents moisture build up, which can lead to mould and mildew.

Avoid direct sunlight: Store clothes in a cool, dark place away from direct sunlight. Sunlight can cause colours to fade and weaken fabric fibres over time.

Hang clothes properly: Invest in quality hangers that provide adequate support to garments. Use padded or wooden hangers for delicate items like suits, dresses and knits. Avoid using wire hangers, as they can cause garments to lose their shape. Don't hang wet clothes on hangers - they can stretch.

Use garment bags: For long-term storage of formal wear or seasonal clothing, consider using garment bags to protect items from dust, insects, and moisture.

Rotate clothing: Rotate your wardrobe seasonally to prevent garments from being stored for too long without use. This helps to prevent fabric deterioration and ensures that all pieces are worn regularly.

Avoid overcrowding: Avoid cramming clothes into storage containers or closets. Overcrowding can cause wrinkles, stretching and distortion of fabric fibres. Leave some space between garments to allow for air circulation.

Store leather items properly: Leather garments should be stored in a cool, dry place away from direct sunlight. Use padded hangers to maintain their shape and avoid folding, as creases can become permanent.

Does how you wash clothes make a difference?

What exactly makes a gentle wash gentle? For delicate fabrics, you should always use cool to lukewarm water. (Hot water isn't needed unless you are concerned about bacteria and diseases like COVID-19). 

Pro tip: Be wary of wringing out your wet clothes. It can seriously alter the shape of your garments.

Other options

Wash your stuff less. The only clothes that should always be washed after one wear are underwear and sweaty clothes. Most garments worn regularly should be okay to wear two to three times before washing. Unless your denim has a bad habit of stretching out, experts say you should wash them after three or four wears so they age better. You can also throw them in the freezer to kill bacteria.

Spot clean your clothes. To clean a spot, start by removing any excess spillage and blot away as much moisture as possible with a paper towel or hand towel. NO RUBBING. Use some stain remover or gentle detergent on just the stained spot. Let it air dry or use cool air to speed up the process.

Air dry. Hang your clothes outside, Italian style. For heavier items that could stretch when hanging, lay them out flat on a surface to dry.

When should you dry clean?

Read the care tags! Don't be so quick to adhere to every garment's dry clean only tag - there's lots of chemicals involved that lurk on dry-cleaned wool, cotton and polyester. Plus, lots of brands put those tags on when they lack confidence in our ability to properly and gently wash our clothes.

If it is made of wool, linen, silk, cotton or cashmere - which is likely a majority of your closet - these fabrications can handle gentle hand washes so long as you pre-treat and single wash anything with stains, as well as wash items in groups determined by fabrication and colour.

If you aren't 100% sure what exactly a garment is made of, you can always test a little spot under the sink water to see if you get a ton of colour bleeding, warping or shrinkage before going all in.

If your garment has any fancy embellishments, flocking or beads attached by glue then you should probably take it to the cleaners if it's not just in need of a little spot clean.

Pro tip: When you find yourself at the dry cleaners, you can try asking for alternatives like a liquid carbon dioxide cleaning, which uses pressurized CO2 mixed with other gentle cleaning liquids as opposed to perc.  Another option is requesting a wet cleaning method , a wash that resembles a normal washing machine but utilises special soaps and conditioners for an extra gentle wash.

How do you know when a broken item is repairable, or when it's no longer usable?

It's important to always assess the extent of the damage. Small tears, missing buttons, loose hems or minor stains are usually repairable with basic sewing skills or by taking them to a tailor. 

Considering the condition of the fabric is also important. For example, if the fabric is in good shape apart from the damaged area, it may be worth repairing. 

However, if the fabric is severely worn out or faded in multiple places, it may not be worth repairing. Also, some types of damage such as large holes, extensive fraying or irreparable stains may render the garment unusable or not cost-effective to repair. 

Finally, it's important to consider the sentimental value of the item. If the piece holds sentimental value or is a high-quality piece, you may just want to hold on to it and invest in repairs.

If the item is no longer usable, you could upcycle or repurpose it. Get creative and turn the item into something new. Some ideas include turning old jeans into shorts, using fabric scraps for quilting or crafts, or transforming a worn-out tee into a cleaning rag. 

Donation is another option. If the clothing item is still in decent condition despite the damage, consider donating it to a local charity or thrift store as some organisations accept damaged clothing for recycling or repurposing.

Finally, look for textile recycling programmes in your area. Many communities have textile recycling centres or programmes that accept old clothing, even if it's damaged, to be recycled into new textiles or other products.

How about shoes?

Like clothing, extending the wear of your shoes requires proper care and maintenance. Some ideas include rotating your shoes between different pairs of shoes every day to allow each pair to air out and recover their shape between wears. 

Clean your shoes regularly to remove dust, dirt and stains. 

It's also a good idea to apply waterproofing spray to protect your shoes from water, stains, snow and other environmental damage. Like clothing, it's important to attend to any signs of damage or wear as soon as possible, replacing worn-out soles, repairing loose stitching, and fixing damaged heels to prevent further deterioration. Definitely consider taking your shoes to a professional cobbler for these regular repairs! 

By Connor Sephton , news reporter

Bitcoin has suffered its biggest monthly loss since June 2022 - amid signs that market euphoria is starting to cool.

The world's biggest cryptocurrency saw its price plunge by almost 15% in April.

Even though we're just 12 hours into a brand-new month, Bitcoin is continuing to fall further.

This digital asset is often valued in dollars rather than pounds - and certain price points tend to have psychological significance for traders.

Over the past few weeks, Bitcoin had successfully managed to avoid a big fall under $60,000 (about £48,000).

But all of that changed in the early hours of Wednesday morning.

After the $60,000 threshold crumbled, a sharp drop to $57,000 soon followed.

So... with Bitcoin down 7% over the past 24 hours, what happens next?

Well - traders are now engaged in what can best be described as an arm wrestle.

If Bitcoin manages to hold stable around $57,000, its value may start to recover.

But if selling pressure grows as American investors start to wake up and see what's happened, further declines are to be expected.

Bitcoin has now fallen by 22% since hitting an all-time high of $73,750 in March - which technically puts this cryptocurrency in a bear market.

However, avid enthusiasts will insist this is nothing more than a healthy correction, and Bitcoin's longer-term prospects are good.

One thing is clear: this is a volatile asset, and investors should only put in whatever they can afford to lose.

In what seems to be becoming a daily occurrence, four more lenders have announced mortgage rate rises.

Halifax, BM Solutions and Virgin are all doing so for the second time in around a week. They're joined by Nottingham Building Society.

Halifax are increasing rates on purchase products by up to 0.2%; BM Solutions by up to 0.24%. These begin tomorrow.

Virgin increased rates on products between 0.08% and 0.2% yesterday evening, while Nottingham has lifted rates this morning by up to 0.25%.

Mortgage rates have spiked in the last two weeks as financial markets have moved from pricing in a base rate cut in June to thinking it will come in August. Expectations of three cuts this year are now two.

The backdrop is sticky inflation in the US - and concern the global and domestic battle against rising prices isn't over yet.

Skipton had actually announced some decreases - but any optimism from this proved momentary.

Dariusz Karpowicz, director at Albion Financial Advice, told Newspage: "The atmosphere in the mortgage market is rather grim, with major players like Halifax, BM Solutions, Virgin and Nottingham Building Society repeatedly raising their fixed rates.

"This pattern of frequent rate hikes, sometimes occurring multiple times within a week, is casting a shadow over market sentiment. 

"The anticipated 'spring bounce' is nowhere in sight; instead, we're witnessing a continuation of mortgage woes. 

"Higher rates are expected to dampen buyer enthusiasm and potentially delay any positive momentum. 

"As for when borrowers can expect relief, it hinges on broader economic stabilisation. For now, the outlook remains cautious and subdued."

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Reporting by Christian Kraemer und Alexander Huebner, writing by Maria Martinez, editing by Miranda Murray

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