Travel Health Insurance to Germany: Everything You Need to Know

When planning a trip to Germany, one crucial aspect that is often overlooked is securing travel health insurance to Germany. Whether you're visiting for leisure, business, or study, having the right health insurance coverage can save you from unexpected medical expenses that could arise during your travels. In this comprehensive guide, we’ll cover everything you need to know about travel health insurance for Germany, including costs, how to obtain it, and whether it’s mandatory.

Travelner Insurance is a leading provider of travel insurance plans, helping you find the best options tailored to your specific travel needs. With a range of comprehensive plans, including health insurance coverage for Germany, Travelner Insurance ensures that your trip is safe and secure.

Secure travel health insurance for Germany to avoid unexpected medical expenses during your trip

1. Why do you need travel health insurance to Germany?    
2. Do I need health insurance to travel to Germany?    
3. Understanding the travel health insurance for Germany cost    
4. How to get travel health insurance for Germany 
5. What does travel health insurance to Germany cover?    
6. What are special considerations for long-term travelers   
7. How to make a claim with travel health insurance to Germany    

1. Why do you need travel health insurance to Germany?

Germany has a well-established healthcare system, and medical care can be expensive for tourists and non-residents. Without the proper insurance, any medical emergencies or accidents during your stay could result in hefty bills. Whether it’s a simple doctor's visit or hospitalization, travel health insurance to Germany ensures that you’re covered for unexpected situations, giving you peace of mind throughout your trip.

Germany's healthcare is costly for tourists; insurance covers emergencies and gives peace of mind

For tourists from countries outside the European Union (EU), it is mandatory to have adequate travel health insurance before entering Germany. This is especially important for those applying for a Schengen visa, as proof of health insurance is one of the requirements. Even if you’re from a country where health insurance isn’t mandatory for entry, having it is highly recommended. Travelner offers customized plans that meet Schengen visa requirements, ensuring that you have the coverage needed for entry into Germany.

2. Do I need health insurance to travel to Germany?

In short, yes. For most travelers, especially those requiring a Schengen visa, health insurance is mandatory. The European Schengen Agreement requires non-EU visitors to show proof of adequate health insurance coverage for the duration of their stay. This insurance should cover at least €30,000 in medical costs, including emergencies, illness, accidents, and repatriation.

Travelner Insurance offers plans meeting Schengen requirements with enhanced protection options

For travelers from countries within the European Economic Area (EEA), Germany’s public healthcare system may cover them under European Health Insurance Card (EHIC) agreements. However, supplemental travel health insurance is still advisable to cover services or emergencies that the EHIC may not fully address, such as private healthcare or specific treatments. Travelner Insurance offers flexible plans that not only meet Schengen visa requirements but also provide additional coverage options for those looking to enhance their protection.

3. Understanding the travel health insurance for Germany cost

When discussing travel health insurance for Germany, the costs are influenced by various factors rather than fixed amounts. These factors include the length of your stay, your age, the level of coverage, and any pre-existing medical conditions. Instead of focusing on exact prices, it’s helpful to understand how each of these aspects can impact the cost.

3.1. Duration of Your Trip

The length of time you spend in Germany will significantly influence the cost of your insurance. Short-term plans, covering just a few days or weeks, generally cost less compared to long-term coverage for extended stays.

3.2. Age of the Traveler

Insurance costs increase with age; younger travelers pay less, older travelers pay more

Insurance premiums tend to rise with age due to the increased risk of health issues. Younger travelers typically pay less, while older individuals may face higher costs.

3.3. Level of Coverage

Travel health insurance plans can range from basic to comprehensive. A basic plan might cover only emergency medical treatment, while a more comprehensive plan could include additional services like dental care, medical evacuation, or coverage for pre-existing conditions.

3.4. Pre-existing Medical Conditions

If you have a pre-existing condition, some insurance providers may charge an additional premium or offer specialized coverage to include treatments related to that condition.

3.5. Activities and Risk Level

If your trip involves high-risk activities, such as extreme sports or adventure tourism, the cost of your travel health insurance may increase. Many providers offer tailored plans for such activities, ensuring that you're covered for any potential injuries or accidents.

3.6. Family or Group Coverage

If you’re traveling with family or in a group, many insurance companies offer discounted rates or bundled plans that can help reduce the overall cost per person.

Travel insurance is valuable investment for family trip

For students or those on longer stays, like expats or long-term business travelers, more comprehensive travel health insurance plans are available. These plans may include coverage for routine medical check-ups, chronic illnesses, and ongoing treatments. Travelner provides comprehensive insurance options that cover a range of medical services and ensure long-term travelers are well-protected.

4. How to get travel health insurance for Germany

Securing travel health insurance for Germany is a simple process. Many providers offer policies tailored to tourists, students, and expats traveling to Germany. Travelner Insurance makes it easy to compare insurance plans and choose the one that best fits your travel needs. Here’s a step-by-step guide to obtaining your travel health insurance:

4.1 Determine Your Needs

Start by assessing your needs. Will you require basic medical coverage, or do you need insurance that covers specific treatments? Are you engaging in high-risk activities like skiing? Will you need coverage for pre-existing conditions?

4.2 Research Providers

Travelner Insurance offers a wide selection of plans from trusted providers. You can explore options with global providers like Allianz, AXA, or local European providers through Travelner’s platform, which allows you to compare plans side by side and choose the best one.

4.3 Check for Schengen Visa Compliance

If you need a Schengen visa, ensure your insurance complies with the visa requirements. Travelner Insurance provides Schengen-compliant travel health insurance, covering at least €30,000 in medical expenses and repatriation, ensuring that you meet the visa requirements.

4.4 Get a Quote
Travelner Insurance allows you to get an instant quote online by entering your trip details. This way, you can see the costs and benefits of various plans in real-time and choose the most suitable one for your trip.

4.5 Purchase the Policy

Purchase Travelner Insurance online and receive required documents for visa or immigration

Once you’ve selected a provider and policy through Travelner, you can purchase the insurance directly online. Travelner Insurance provides you with all the necessary documents, including an insurance certificate that you may need to present at immigration or when applying for your visa.

4.6 Understand What’s Covered

Travelner Insurance ensures that all policies offered through their platform include coverage for medical emergencies, hospitalization, surgery, and repatriation. Some plans may also include dental care, medical evacuation, and treatment for pre-existing conditions.

5. What does travel health insurance to Germany cover?

The coverage provided by travel health insurance can vary depending on the provider and the specific policy. Travelner Insurance ensures comprehensive coverage that addresses all the key areas you may 

Travelner Insurance provides comprehensive coverage tailored to key travel needs

• Emergency Medical Treatment: Includes sudden illness or injuries sustained during your trip. Travelner Insurance covers medical bills for hospitalization, doctor visits, surgeries, and medications.
• Medical Evacuation: If you require transportation to another medical facility or back to your home country, Travelner’s plans cover the costs of medical evacuation.
• Repatriation of Remains: In unfortunate events such as death, Travelner Insurance covers the costs of returning your remains to your home country.
• Dental Care: Some policies through Travelner include emergency dental care, should you experience severe dental issues during your trip.
• Lost or Stolen Medication: If your medication is lost or stolen while in Germany, Travelner’s policies offer coverage to replace the medication.

6. What are special considerations for long-term travelers

If you're planning to stay in Germany for an extended period, such as for work or study, you’ll need a more comprehensive health insurance plan. While travel health insurance to Germany covers short-term stays, long-term residents may need to enroll in Germany’s public health insurance system or opt for private health insurance, depending on their visa status and employment situation.

Travelner Insurance provides long-term travel health insurance options for students, expats, and professionals staying in Germany for an extended period, with coverage that meets German residency requirements.

7. How to make a claim with travel health insurance to Germany

If you experience a medical emergency while traveling in Germany, Travelner has streamlined the claim process to ensure that you receive timely support and compensation for your medical expenses. Here’s a step-by-step guide on how to handle the situation and file a claim with Travelner:

7.1 Seek Medical Attention

In case of a medical emergency, your first priority should be getting the necessary care. Contact the nearest hospital, clinic, or doctor for immediate treatment. These documents will be critical when you submit your insurance claim to Travelner later.

7.2 Contact Travelner Insurance

As soon as you’re in a stable condition or have access to communication, notify Travelner’s 24/7 customer support team about the incident. Travelner’s dedicated team will help you navigate any local healthcare regulations and ensure that your coverage is applied where needed.

7.3 Submit a Claim

After receiving treatment and gathering all the required documents (medical bills, receipts, doctor’s reports, etc.), you can submit your claim to Travelner. This process is made simple with Travelner’s user-friendly online portal where you can upload your documents and fill out the necessary claim forms. The digital submission system ensures that your claim is filed promptly and securely. Make sure that your claim includes clear information about the nature of the medical emergency, the treatments you received, and the expenses incurred.

7.4 Follow Up

Once your claim has been submitted, Travelner works quickly to process it. Their claims team will review the submitted documents and update you regularly on the status of your claim. During this time, you may receive requests for additional information or clarification, which can be provided easily through the same online platform or app. You’ll receive notifications as your claim progresses, and once approved, Travelner will arrange for prompt payment to cover your medical expenses.

Travelner Insurance is trusted partner for every moment 

Securing the right travel health insurance to Germany is essential for safeguarding your trip and ensuring you’re protected against medical emergencies. Travelner Insurance offers a variety of plans that cater to different traveler needs, from short-term tourists to long-term expats, ensuring your trip is safe and stress-free.

By choosing Travelner Insurance, you get access to comprehensive coverage, competitive pricing, and excellent customer service, allowing you to enjoy your trip to Germany without worry.
Protect your trip with Travelner today – get covered in just a few clicks!