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Compare travel insurance for Germany

Compare travel insurance for Germany

Christmas markets, the Black Forest and cruising on the Rhine are just three reasons why Germany is a popular tourist destination. Read our guide on travel insurance for Germany to help you find a great-value deal so you’re covered for your trip.

Patrick Ikhena
From the Travel team
minute read
posted 10 OCTOBER 2019

Why do I need travel insurance for Germany?

It’s important to get travel insurance whenever you’re travelling to, and Germany is no exception. Although a European Health Insurance Card (EHIC)** is valid, travel insurance will cover costs that your EHIC may not, such as private hospitals. It will also cover costs related to a medical emergency, such as repatriation to the UK.

Crime levels are similar to those of the UK, so it’s important to keep an eye on your belongings, particularly in built up areas to avoid bag-snatching and pick-pocketing. If your belongings are stolen you’ll need to report it to the local police and let your insurance provider know.

It’s important to check your single item limit, which is the maximum amount you can claim for any one of your possessions, as you may not be able to claim back the full value of more expensive items.

It’s always a good idea to get travel insurance when you book your holiday to ensure you can claim back the cost of the holiday, should you need to cut your trip short or cancel altogether because of an event such as bereavement.

**UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.

How much is travel insurance for Germany?

If you’re visiting Germany, European travel insurance could cost from £5** for a week or £9*** for annual multi-trip policy, based on Compare the Market data in September 2019.

***50% of people could achieve a quote of £4.59 for single trip travel insurance for 1 week in Europe based on Compare the Market data in September 2019
****50% of people could achieve a quote of £8.25 for for Europe multi travel insurance based on Compare the Market data in September 2019

What types of travel insurance do I need when visiting Germany?

If you’re travelling to Germany you’ll need European travel insurance. You’ll then need to choose between a single-trip or annual multi-trip policy.

If you’re visiting for work purposes then it’s a good idea to buy business travel insurance. This can protect you from missed flights and protect expensive equipment, such as a work laptop.

If you’re spending a longer period in Germany, perhaps as a student, then you should consider backpackers insurance, which will typically offer 12-18 months cover.

Ask your provider what activities are excluded from your policy, as you’re likely to need additional cover for more adventurous activities like zip-lining or paragliding.

What else do I need to know when travelling to Germany?

EHIC: when travelling to Germany, you’ll need to bring your European Health Insurance Card (EHIC) with you, which you can get free from the NHS. This gives you access to state-provided medical treatment you need during your trip on the same terms as German citizens.

Currency: the local currency in Germany is the euro.

Visa: if you are a British passport holder you won’t need a visa for visiting or working in Germany.

Tipping: while tipping is quite common in Germany, it’s only really done as a sign of appreciation, rather than expectation. As a rule of thumb, 5-10% tip at a restaurant is a reasonable tip.

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