Travel Health Insurance for Germany – Top Recommendations

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

As the world becomes more connected, many people are taking the opportunity to explore different countries. Germany is a popular destination and it’s important for any traveler to take safety precautions before heading out.

Travel health insurance is a must for anyone planning a trip to Germany, and there are several different options to choose from.

This article will provide some top recommendations on the best travel health insurance plans for Germany.

1. Allianz Travel Insurance

Allianz Travel Insurance is one of the best travel insurance for Germany as it provides comprehensive coverage for travelers visiting the country.

It offers a wide range of features and benefits including trip cancellation, medical evacuation, lost baggage, and accident and illness coverage.

Allianz also provides 24-hour emergency assistance for those who find themselves in difficult situations while abroad.

Additionally, the policy covers rental car damage, legal assistance, and covers pre-existing medical conditions up to €100,000. Allianz offers competitive rates and a variety of options to meet the needs of travelers visiting Germany.

The company has a long history of providing excellent service and reliable protection, making it one of the top choices for travelers looking for quality travel insurance.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

2. AXA Schengen Travel Insurance

AXA Schengen Travel Insurance is one of the best travel insurance for Germany because it provides comprehensive coverage for travelers visiting the country.

It covers medical expenses, trip cancellation or interruption, lost or stolen items, and other unexpected costs that may arise while abroad.

AXA Schengen Travel Insurance also offers a range of additional benefits such as 24/7 assistance, airport transfers, and legal assistance. This makes it an ideal choice for travelers looking for peace of mind during their visit to Germany.

Furthermore, the plan is affordable and easy to purchase online, making it an attractive option for travelers who need quick and reliable travel insurance.

3. Europe Travel Insurance

Europe Travel Insurance is one of the best travel insurance for Germany because it offers comprehensive coverage, including medical expenses and trip cancellation.

The policy also covers most activities that you may undertake while travelling in Germany, such as skiing and snowboarding, mountain biking, and hiking.

Europe Travel Insurance also covers any extra costs you might incur due to flight delays or cancellations.

Additionally, it provides a 24/7 emergency hotline and assistance from local experts who can provide on-the-ground help in case of an emergency.

Finally, it includes a range of optional add-ons that can be tailored to your needs and budget, making it one of the most flexible and comprehensive travel insurance policies available for Germany.

4. Hanse Merkur Reiseversicherung

Hanse Merkur Reiseversicherung is one of the best travel insurance companies in Germany.

With over 50 years of experience and a focus on providing quality coverage and customer service, Hanse Merkur has established itself as a leader in the travel insurance industry.

They offer comprehensive coverage for all types of travelers, whether it be for business or leisure.

They offer a wide variety of different policies to meet the needs of each individual traveler, from basic coverage to more comprehensive packages.

All their policies are designed to provide maximum protection, with coverage for medical expenses, lost or delayed luggage, trip cancellation, legal assistance, and more.

They also have a 24/7 hotline in case of any questions or concerns.

In addition to their comprehensive coverage, they also provide additional benefits such as discounts on rental cars, free access to airport lounges, and discounts on other travel services.

Furthermore, they offer competitive pricing, allowing customers to save money while still getting the best coverage possible.

For those looking for the best travel insurance for Germany, Hanse Merkur Reiseversicherung is an excellent choice.

With their commitment to providing quality coverage and excellent customer service, they are the perfect choice for any traveler looking for the best travel insurance.

5. World Nomads Insurance

World Nomads Insurance is one of the best travel insurance for Germany because it provides comprehensive coverage that is tailored to the needs of travelers.

It covers medical expenses, loss or damage to personal property, trip interruption, and more.

World Nomads also provides an online claims system so you can quickly and easily submit a claim.

Additionally, World Nomads has a 24/7 customer service team available to answer questions or assist with any concerns.

In addition, World Nomads offers coverage for activities such as skiing, snowboarding, and mountaineering, which many other insurance companies do not cover.

This makes World Nomads an ideal choice for travelers looking for comprehensive travel insurance in Germany.


When choosing a travel insurance policy for Germany, it’s important to consider the type of coverage you need and the cost of the policy. Here are a few things to consider when selecting a policy:

1. Destination

Germany is a large country with a variety of climates, activities and potential risks. Make sure your policy covers all the activities you plan on doing and any potential hazards associated with them.

2. Length of stay

If you’re planning an extended stay in Germany, make sure your policy covers the entire duration.

3. Medical coverage

Make sure your policy provides adequate medical coverage for any emergencies that may arise.

4. Cost

Be sure to compare the costs of different policies to find the one that fits your budget.

5. Customer service

Check the reviews of the company you’re considering to ensure they provide good customer service.

By taking the time to research and compare different policies, you can make sure you find the right travel insurance policy for your trip to Germany.

Things to keep in mind when buying travel insurance for Germany

1. Make sure the policy covers all of your planned activities in Germany.

Travel insurance policies often cover a variety of activities, from renting a car to engaging in outdoor activities like skiing or mountain biking. Make sure your policy covers any activities you plan on doing while in Germany.

2. Understand the medical coverage.

Medical coverage is one of the most important parts of travel insurance. Make sure you know what is covered and what isn’t, including emergency medical evacuation and repatriation.

3. Check the cancellation policy.

Many travel insurance policies provide coverage for trip cancellations, so make sure you understand what is and isn’t covered.

4. Consider the duration of the policy.

Travel insurance policies usually come with a set duration, so make sure you purchase a policy that covers the full duration of your trip.

5. Compare policies.

Different travel insurance companies offer different coverage levels and prices, so make sure you compare policies before making your decision.

6. Know the claims process.

In the event that you need to make a claim, it’s important to understand the process for submitting a claim and getting reimbursed. Make sure you understand this ahead of time.