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Germany Travel Insurance

A Quick Guide on Travel Insurance for Germany


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    About Travel Insurance Germany

    Travel Insurance for Germany: Germany has an old-world charm that captivates tourists who seek to capture glimpses of the past in the medieval style structures, centuries-old castles, churches, and historical buildings. Travel around this country and secure yourself from misadventures by opting for Germany travel insurance plan. One of the largest economies in the world, Germany as a travel destination is more than just its old city walls. The highlights of your Germany visit must include snowboarding in the Alps, viewing the stunning countryside, witnessing the local festive traditions and exploring the beautiful urban centers. Travel insurance for Germany is intended to safeguard you from unexpected medical or non-medical expenses on your international trip.

    For a secure trip to Germany, make sure you have a clear knowledge of the entry requirements. Apply for a Schengen visa if you plan to visit Germany for business or tourism purposes. Moreover, travel insurance for Germany is a mandatory requirement for tourists.

    Is Germany Travel Insurance Mandatory?

    Germany is a part of the 26 Schengen countries. As an international tourist, if you are visiting Germany on a short-stay visa, known as Schengen Visa, then you will require a Germany travel insurance plan.

    Germany is recognized for its superior healthcare system. In case you face a medical exigency, you will have access to quality medical care. Yet, you might incur unwanted expenditures that can ruin your travel plans. Hence, as a smart traveler, the first step you must take to ensure your safety in a foreign land is to buy the best travel insurance plan.

    Quick Facts about Germany



    Official Languages




    Country calling code


    Modes of transportation 

    Suburban Express Trains, Underground Trains, Trams and Buses

    Time difference 

    4 Hours and 30 Minutes behind Indian Standard Time

    International Airports

    Berlin Tegel Airport, Berlin Schönefeld Airport, Munich Airport, Frankfurt Airport

    What is covered in Travel Insurance for Germany?

    Medical Benefits Covered under Germany Travel Insurance

    • Emergency hospitalization: Complete hospitalization cover including IPD and OPD expenses. 
    • Accidental hospitalisation: Double sum insured for accidental hospitalisation. 
    • Pre-existing diseases: Cover for treatment of pre-existing ailments.

    Other benefits covered in Germany travel insurance include coverage for treatment in the home country, medical evacuation, in-patient and out-patient care, dental expenses due to injury and personal accident.

    Non-Medical Benefits Covered under Germany Travel Insurance

    The international travel insurance will provide coverage for expenses incurred for loss of passport, loss of checked-in baggage, trip delays/cancellation/interruption, up-gradation to business class, personal liability cover and coverage for the return of a minor child.

    What is Not Covered in Germany Travel Insurance Plan?

    Whenever you opt for travel insurance for Germany from your insurer, make sure you thoroughly check the exclusions, that is, the cases where you will not be able to make a claim under your travel plan. They include:

    • Expenses for treatment of HIV/AIDS, other transmitted diseases, self-inflicted injury, attempted suicide, etc are not covered under Germany travel insurance.
    • Expenses arising out of hazardous activity, under the influence of drugs or alcohol, consequences of war or nuclear perils, exposure to ionizing radiation or contamination due to the same.
    • Any liability related to any professional services offered by the insured.
    • Expenses incurred by engaging in business activities; ownership of any aircraft, watercraft, motor vehicle or other vehicles
    • Personal liability towards another individual, whether personal, official or commercial.
    • Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations and also involvement in Breach of Law.
    • Expenses due to the encroachment of intellectual property rights like patent, copyright, and trademark are not covered under travel insurance for Germany.
    • Liability related to the possession of animals, insects, bird and reptiles and their by-products.

    Who Is Eligible for Germany Travel Insurance?

    As per the law, anyone visiting Germany including those on short-stay visas should be covered under health insurance. In order to buy travel insurance for Germany, the minimum entry age of the insured person is 1 day for a single trip. There is no maximum age limit.

    Premium for Germany Travel Insurance

    The premium for the Germany Travel Insurance plan will be based on factors such as age, destination country, trip duration and the type of coverage selected.

    >> Calculate Travel Insurance Premium

    Types of Germany Visas

    Citizens of non-EU countries need a visa to enter Germany. With Schengen Visa, tourists can get visa-free access to any of the 26 European countries that have signed the Schengen agreement. Tourists traveling for short duration must apply for Schengen Visa. Based on the purpose of your visit, you can apply for the following visas:

    • Tourist Visa: If you planning for a vacation to Germany or a visit to family and friends, you will require a tourist visa.
    • Student Visa: Apply for a student visa if you are planning to get admission in a German University. 
    • Business Visa: For people visiting Germany for business purposes, this type of visa should be obtained before embarking on the international trip.
    • Work Visa: Those going to Germany to work on a temporary basis should obtain this visa. 
    • Airport Transit Visa: Indians traveling to another country via Germany can apply for Transit Visa to get entry to the country for a shorter duration. It is valid for 14 days from the date of issue.

    Visa Procedure for Germany

    If you are an Indian Passport Holders, you must first submit your Schengen visa application at any of the Visa Facilitation Services Global Offices in India located in New Delhi, Mumbai, Chennai Bengaluru, and Kolkata.

    • Step 1: Submit your passport at Visa Application Centre
    • Step 2: Provide complete details in visa application form along with a photograph
    • Step 3: Book an appointment online or at Joint Schengen visa application center
    • Step 4: Provide our biometrics (fingerprint) data and a digital photograph. Pay the applicable fees either in cash or DD

    It takes about 10 to 15 days for processing. Collect your visa from the visa application center or opt for courier delivery.

    A Guide for Your Germany Trip

    Germany is one of the safest countries in the world. The best time to visit Germany is summertime in early June. If you are planning to visit the country in winters, be equipped to handle the extreme cold weather as temperatures usually drop to - 10 degrees Celsius.

    Even though Forex travel cards make transactions convenient, carrying a little cash will be helpful as locals prefer cash over other payment modes. Most of the local shops including grocery stores are closed on Sundays. So plan your day accordingly. Moreover, Germans encourage eco-friendly practices. Look out for recycling bins in the city where you can dispose plastic bottles.

    The locals are friendly too. Although there are many Germans who understand English, but learning some basic German phrases like Danke (thank you) and Tschüs (goodbye) will be helpful.

    Places to Visit in Germany

    • The Berlin Wall: One of the iconic places to visit in Germany, go for sightseeing at the Berlin Wall and the Berlin War Memorial.
    • The Brandenburg Gate: An 18th-century neoclassical monument situated in Berlin, mark this sandstone military structure in your itinerary when you visit Germany.
    • The Black Forest: Situated in Baden-Württemberg in southwest Germany, this is a retreat for nature lovers where you will also get to see densely wooded terrains, expansive vineyards and Gothic buildings in the vicinity.
    • Zugspitze Massif: The highest peak of the Wetterstein Mountains at 2,962 meters above sea level, Zugspitze Massif is another major attraction for adventurers and tourists who wish to capture panoramic city views.

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