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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
3
minute read
posted 2 APRIL 2020

Why do I need travel insurance for Germany?

It’s important to get travel insurance wherever 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 article 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 after the 31 January during the transition phase of the UK leaving the EU. This means that the EHIC can continued to be used in the same way until the 31 December 2020. What happens to the status of the EHIC after the transition phase will be decided as part of the negotiations on the future UK-EU relationship.

CORONAVIRUS UPDATE

As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
 
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
 
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
 
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
 
For more information please see our coronavirus and travel insurance page.

What should my travel insurance to Germany include?

While your holiday to Germany should be all about fun and exploration, you should consider the following cover, just to protect you and provide peace of mind:

  • Medical cover – you’d be surprised at how expensive medical costs can be while abroad, even somewhere like Germany. Medical expenses while abroad can easily run into the tens of thousands of pounds
  • Lost, stolen or damaged luggage and passports – crime levels are similar to the UK. Be wary of your surroundings and careful with your belongings, especially in the more crowded areas in larger cities like Berlin and Hamburg.
  • Cancellations and delays – if your holiday is cancelled, delayed or shortened, you can claim back your costs. However, it’s important to check whether your travel is ATOL protected. Trips to Germany don’t tend to be package holidays, which may mean you don’t have the ATOL protection as standard. If that’s the case, you should consider arranging travel insurance to ensure you have adequate coverage.
  • Repatriation – if there’s trouble with the airline, or you need special travel arrangements due to a medical requirement, these costs can be covered. German airlines such as Germania and Condor have collapsed or had significant financial issues in recent years, leaving passengers worried about their travel arrangements. Therefore, it is recommended to always take out travel insurance in advance of your trip to give you peace of mind.

Germany Travel Insurance Exclusions

While your insurance can provide cover for many of the unexpected costs you might face while travelling in Germany, there may be some exceptions. Here are some of the things to check carefully for in your policy:

  • Pre-existing medical conditions – if you require treatment for these, you’ll likely need to pay more on your premium.
  • Injuries or accidents resulting from high-risk activities – Germany isn’t particularly renowned as an adventure sports hub, but you can arrange sky-diving, paragliding and bungee-jumping experiences. If you're taking part in any activities like this, be sure to check that your activities are included in your chosen policy.
  • Incidents related to alcohol abuse – Germany has a thriving nightlife scene, with Berlin particularly famous for its eclectic nightclubs and party venues. Oktoberfest is one of Europe’s most popular drinking festivals, with travellers gathering from across the continent. There are thousands of people drinking together, which can lead to alcohol-related incidents. It's important to know that, if you’re injured or lose something as a result of being overly intoxicated, your claim will likely be rejected.
  • Travel to regions which Foreign and Commonwealth Office (FCO) have advised to avoid – this may be because of disease epidemics or terrorism threats. The FCO doesn’t currently advise avoiding travel to Germany, but does list the terrorism threat as likely.
  • Act of God – this includes natural disasters. Germany doesn’t suffer heavily from natural disasters. The most common are storms and flooding, but most trips are trouble free.

How much is travel insurance for Germany?

If you’re visiting Germany, European travel insurance could cost from £13*** for a week or £28**** for an annual multi-trip policy, based on Compare the Market data in February 2020.

***50% of people could achieve a quote of £12.73 for single trip travel insurance for 1 week Europe based on Compare the Market data in February 2020.
****50% of people could achieve a quote of £27.16 for for Europe multi travel insurance based on Compare the Market data in February 2020.

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. This may change after the UK-EU transition phase, after the UK left the EU.

  • Currency: the local currency in Germany is the euro.
  • Visa: if you're a British passport holder, you won’t need a visa for visiting or working in Germany. This may change after the Brexit transition phase.
  • 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.
  • Jaywalking: in Germany, it’s illegal to cross a pedestrian crossing when the red light is on. Doing so risks a fine.

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