Complete Guide To Obtaining Germany Travel Insurance

Germany’s health-care system is widely regarded as among the best in the world. All German nationals and residents, as well as tourists, are required to obtain health insurance.

This article will go over the German healthcare system, including the various types of German health insurance and how foreigners fit into it.

Is Travel Insurance for Germany Mandatory?

Yes, if you are applying for a Schengen visa to Germany, travel insurance is required. You must provide proof of travel health insurance along with your visa application.

In fact, the German health care system requires all German residents (citizens and expatriates) to have valid health insurance.

If you are from an EU/EEA country or are exempt from a Germany visa, you may still be required to obtain travel insurance for Germany for the following reasons.

• You may be asked to show proof of travel health insurance at the port of entry in Germany; and/or
• It is a smart decision because you don’t know what may happen on a trip abroad. Although Germany has a great health care system, the prices of healthcare can be too high for certain third-country nationals, and if you have travel health insurance, it can drastically reduce the cost of any medical expenses that may arise.

Additionally, travel insurance does not only cover medical expenses. Trip cancellation, delayed flight, loss of personal items, and more can be included in Schengen travel insurance plans.

Dr Walter offers affordable travel insurance plans for Germany visa applicants.

Not having adequate travel insurance will result in getting your Germany visa denied.

German Travel Health Insurance Requirements

Just as with German residents, temporary visitors in Germany also have to obtain health insurance coverage. Since Germany is a Schengen country, visitors have to get travel health insurance that’s in line with Schengen requirements.

As such, German travel health insurance must follow these specifications:

• It must have a minimum coverage of at least €30,000 per person.
• It must cover all other Schengen Area countries.
• It must cover the entire duration of your stay as well as the transit.
• It must cover any unexpected medical expenses such as urgent medical attention and/or emergency hospital treatment as well as repatriation.

You can find a travel health insurance plan for Germany that fulfils all of the Schengen insurance requirements at Dr. Walter – PROVISIT VISUM, which offers affordable plans for travelers who plan to stay in Germany.

What Does Germany Travel Insurance Cover?

What you want to be covered by your Germany travel insurance depends on the specific plan which you purchase, however, most plans offer coverage for the following:

• Medical treatment – The amount of coverage varies by plan. However, the majority of Schengen travel insurance plans cover doctor consultations, emergency treatment, hospitalization, surgery, prescription drugs, and medicine, among other things.
• Cancellation, interruption, or curtailment of your trip – If your trip is canceled or interrupted, you will be reimbursed for any lost travel and/or accommodation expenses. The company or travel insurance plan you choose determines which reasons are acceptable for reimbursement.
• Missed flight – If you missed your flight due to no fault of your own (ie. the airline rescheduled or had a delay) the insurance company will cover any expenses related to it.
• Repatriation of remains, in the case of death (Overseas funeral expenses can also be included).
• Lost, stolen, or damaged possessions.
• Hijacking.

In most cases, Schengen travel health insurance does not cover:

• Pre-existing medical conditions.
• Medical incidents as a result of alcohol consumption.
• Accidents as a result of taking part in dangerous sports.
• Pregnancy and maternity – Travel insurance does not cover expenses associated with a normal pregnancy, such as childbirth, general check-ups, or morning sickness. There are plans that provide coverage for pregnancy complications.

You may be able to include coverage for some of the aforementioned situations (such as accidents due to dangerous sports or the acute onset of a pre-existing condition) if you pay extra.

Germany Travel Health Insurance for EU Nationals

If you are a citizen of another EU or EEA member state, you can use your European Health Insurance Card (EHIC) while visiting Germany. Your EHIC will allow you to access basic health care in Germany in the same way that German citizens can.

However, because the EHIC is not a substitute for travel insurance, you will most likely need to purchase a private travel insurance plan to provide additional coverage.

How to Get German Travel Insurance?

You must purchase Germany Schengen visa travel insurance from a private health insurance company. You can buy health insurance from a local company in your country or online. You must find travel health insurance that meets the Schengen visa requirements, as detailed above.

The German health insurance company DR-WALTER offers policies suitable for foreign citizens who plan to stay in Germany and Europe for up to 180 days.

How Much Does Germany Travel Insurance Cost?

The price of travel health insurance for Germany depends on the following factors:

• Your age – Travel insurance plans increase in price with the age of the applicant. The older you are, the more you’ll likely have to pay for travel health insurance.
  Coverage:
• Amount of coverage: You can choose how much you want to be covered in your travel insurance plan. The more things you add, the more you will have to pay.
• Duration of the trip: When you look for travel health insurance plans for Germany, you may notice that many insurers charge plans per day. As such, the longer you intend to stay, the more you will have to pay.

Keep in mind: You get what you pay for. If you choose a plan simply because it is the cheapest, if you get sick you will most likely have to pay a large sum out of your own pocket. Cheaper plans usually include very limited coverage.