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The Ordinance on Coronavirus Entry Regulations (Coronavirus-Einreiseverordnung – CoronaEinreiseV) regulates a uniform, nation-wide obligation to test, quarantine and furnish proof, as well as a ban on carriage from areas of variants of concern. The goal of the Ordinance on Coronavirus Entry Regulations is to reduce the risk of infection with the SARS-CoV-2 coronavirus, since travel movements and border traffic can introduce infections and lead to new hot spots of infection.

The Ordinance on Coronavirus Entry Regulations ( CoronaEinreiseV ) expires on 7 April 2023. After that date, entry into Germany will again be possible without coronavirus-related entry restrictions while observing the general entry requirements under the law of residence and relating to the border police (information from the Federal Ministry of the Interior " Lifting of COVID-19-related restrictions ").

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Last change: 7. April 2023

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Germany Travel Advisory

Travel advisory may 1, 2024, germany - level 2: exercise increased caution.

Reissued after periodic review with minor edits

Exercise increased caution in Germany due to  terrorism .

Country Summary:  Terrorist groups keep planning attacks in Germany. Terrorists may attack with little or no warning. They target tourist locations and transportation hubs. They also target markets/shopping malls and local government facilities. They target hotels, clubs, and restaurants. They also attack places of worship, parks, and major sporting and cultural events. They target schools, airports, and other public areas.

Read the  country information page for additional information on travel to Germany.

If you decide to travel to Germany:

• Be aware of your surroundings when traveling to tourist locations and crowded public venues.
• Follow the instructions of local authorities.
• Monitor local media for breaking events and adjust your plans based on new information.
• Enroll in the  Smart Traveler Enrollment Program  ( STEP ) to receive Alerts and make it easier to locate you in an emergency.
• Follow the Department of State on  Facebook  and  Twitter . 
• Review the  Country Security Report  for Germany.
• Visit the CDC page for the latest Travel Health Information related to your travel.
• Prepare a contingency plan for emergency situations. Review the  Traveler’s Checklist .

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Medical health insurance.

Information on Medical Health Insurance when applying for a visa.

Every applicant has to submit proof of medical travel insurance covering the entire length of the stay in Europe when applying for a Schengen visa .

There are strict requirements. Please find more information here: Medical Health Insurance PDF / 304 KB

Some medical insurance companies do not cover costs for medical treatment abroad or do not issue letters stating the requirements listed above. In this case, or in the case that you have no medical insurance in the US, you will have to purchase an additional travel insurance

You can find additional insurance companies in your local Yellow Pages or on the internet (search for “health insurance Schengen visa”).

Please bear in mind that some companies offer medical insurance policies only in combination with other kinds of coverage like trip cancellation. Rates depend on the length of the trip, age and number of travelers and the extent of coverage.

Please Note : Although the information on this website has been prepared with utmost care, we can not accept any responsibility for inaccuracies contained herein.

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Traveling or relocating to Germany? Understanding the German healthcare system is vital, as every individual in Germany, even short-term visitors, must have health insurance to comply with regulations. Failure to have insurance may result in visa application rejections. Explore the various types of health insurance available:

• Essential for individuals requiring a Schengen Visa for short stays in Germany.
• Covers medical emergencies and accidents during the visit.
• Ensures compliance with visa application requirements.
• Mandatory for international students enrolling in German universities.
• Covers medical expenses and provides clearance from the university.
• Required for students attending preparatory language courses in Germany.
• Offers coverage for the duration of language courses.
• Essential for individuals relocating to Germany for work.
• Provides comprehensive coverage for up to five years.
• Ensures financial protection and peace of mind during the stay.

Ensure you have the right health insurance coverage before traveling to Germany to pursue your dreams. From short-term tourists to long-term expatriates, having adequate health insurance is crucial for a smooth and hassle-free stay in Germany.

Travel Health insurance for foreign visitors/tourists in Germany

Planning a trip to Germany or Europe? Whether it’s sightseeing, visiting relatives, attending a business conference, or backpacking through Europe, your first step is to check if you need a Schengen Visa. This visa allows for a “short stay” of up to 90 days in 26 European countries.

To obtain a Schengen Visa, one of the requirements is to have proper health insurance in Germany. Medical insurance is compulsory for all foreigners visiting the country, with a minimum coverage of €30,000 for medical treatment.

The travel insurance for Germany covers medical emergencies or accidents and is easy and affordable to obtain. MAWISTA Visum is a suitable choice for tourists and business travelers seeking travel insurance for visa purposes. Plus, it offers free cancellation if your visa is refused. Ensure you have the necessary health insurance for a hassle-free trip to Germany.

Travel Health insurance for international students in Germany

As an international student in Germany, obtaining health insurance is a crucial step in fulfilling your dream of studying abroad. Student health insurance not only provides you with permission and clearance from your chosen university to start your studies but also covers all your medical expenses.

With the right health insurance, you can focus on your studies without worrying about unexpected medical bills during flu season or other health-related concerns. There are two main types of health insurance plans available for international students in Germany:

• Most foreign students in Germany are required to hold statutory health insurance, also known as public health insurance.
• Exceptions to this requirement include guest scientists, post-graduate students, scholarship holders without an employment contract, college students, participants in language courses, students aged 30 or above, and those who have been studying in Germany for more than 14 semesters.
• Students who fall into the exceptions mentioned above or prefer private health insurance can opt for this type of coverage.
• While public health insurance is more common, private health insurance offers additional flexibility and coverage options.

Click to Buy from Fintiba – One Platform for Blocked Account + Health Inssurance 

If you choose to obtain health insurance from a company in Germany, it’s essential to carefully review the terms and conditions outlined in their contracts. Protect yourself from potential pitfalls by understanding the coverage details and potential costs involved.

Companies like Mawista have a long-standing reputation in the industry and offer tailored student packages such as the Tariff Mawista Student Classic, which are popular among international students in Germany. These companies provide affordable options and meet the specific needs of students studying abroad.

Please note that proof of health insurance, whether public or private, is required for enrollment at a German university. Ensure you have the necessary coverage to comply with university requirements and enjoy a seamless academic experience in Germany.

Travel Health insurance for language course/preparatory course students

If you’re planning to study or work in Germany and have enrolled in a preparatory language course, having health insurance is a prerequisite for attending the course. In this scenario, statutory or public health insurance is not permitted, and you’ll need to obtain private health insurance in Germany.

Private health insurance for language course or preparatory course students ensures that you are covered for the entire duration of your studies and alleviates concerns about unexpected health issues. This type of insurance offers comprehensive coverage at an affordable price, with basic monthly plans starting at only 33 euros.

With private health insurance, you can focus on your language studies without worrying about your health coverage. This insurance provides peace of mind and ensures that you have access to medical care during your time in Germany.

Travel Health insurance for Freelancers, Employees, and Expatriates in Germany

Germany is not only a desirable destination for visiting or studying, but it also boasts world-class working conditions and offers exceptional benefits to its workforce. If you’ve secured a job and are relocating to Germany, obtaining working health insurance is imperative. Even if you haven’t found employment yet, you can obtain the Blue Card, akin to the U.S. Green Card, allowing you to reside in Germany while seeking employment.

It’s advisable to acquire working health insurance, providing coverage for up to five years and comprehensive protection against emergencies and accidents. This type of health insurance is particularly recommended for expatriates.

For expatriates, it’s crucial to purchase working health insurance before making any other commitments in Germany. Moreover, this insurance is suitable for German citizens traveling abroad, ensuring coverage in any location they visit.

What does a Travel health insurance cover?

Depending on your requirements and circumstances, you will receive various levels of coverage with corresponding fees. Most of the health insurance options outlined in this article offer the following benefits:

• Hospital treatment and emergency services
• Medical treatment, including outpatient or dental treatment
• Provision of walking aids or wheelchairs
• Transportation to the nearest hospital
• Coverage for burial or transfer expenses
• Protection against theft or loss of personal belongings and property
• Coverage of expenses in case of rescue operations after accidents.

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What travel insurance do I need when visiting Germany?

NAME: Axel Strauss  DATE: Jan 28, 2024 

Germany is a top travel destination the world over. From the bright lights and rich history of Berlin to the art galleries and beer halls of Munich . From centuries-old castles (the most in the world), palaces, cathedrals, churches, and monuments to the millenia-old serenity, beauty, awe, and thrills of the German Alps and the Black Forest. From historical metropolises like Hamburg, Bonn, Cologne, and Lubeck to tiny mountain and seaside towns and villages to everywhere in between. It’s no wonder why Deutschland is one of Europe’s richest and most culturally diverse attractions. 

And if you’re planning to be one of the millions of people who visit Germany annually, you may be wondering about travel insurance. In which case, you’ve come to the right place. Because AXA has all you need to know below.

• Is travel insurance mandatory for Germany? 

I don’t need a Schengen Visa. Do I still need travel insurance?

• What does AXA Schengen travel insurance for Germany cover? 
• What should I do if I am injured or ill while in Germany? 
• What else should I know when prepping for my trip to Germany? 

Is travel insurance mandatory for Germany?

That depends on where exactly you’re coming from and what citizenship you hold. Because — being a founding member of both the European Union and the Schengen Zone — Germany requires that most of its visitors from outside the Schengen zone apply for a Schengen visa for stays of up to 90 days.  And in order to be granted a Schengen Visa, it is indeed mandatory that you have the proper travel insurance . But more on that below.

Which travelers don’t need a Schengen visa to come to Germany (for stays of less than 90 days)?

First — in terms of the Schengen visa for Germany — you won’t need one if you are: 

• A citizen of one (or more) of roughly 60 non-EU countries and territories that have signed visa exemption agreements with the EU — such as Australia, Brazil, Canada, Hong Kong, Japan, Mexico, the U.K.,* the U.S., and so on.
• A national of the Schengen area or one (or more) of the European Union member countries . 

*NOTE: If you are a U.K BRP (i.e., biometric residence permit) and/or IRL (i.e., indefinite leave to remain) holder, then whether you need a Schengen visa for Germany or not depends on whether the country where you hold citizenship has signed a visa-free travel agreement with the Schengen Area. So consult the UK Government’s Official Website’s Travel to the EU/Schengen section, the Official Website of the EU , and that of your home country — to make sure you have all the latest info.

Which travelers are required to apply for a Schengen visa for Germany?

On the other hand, passport holders from China, India, Russia, all of Africa — and nearly a hundred other countries — will need a Schengen visa (and, therefore, travel insurance) to go to Germany. And that’s because their home countries have not signed a visa waiver agreement with the EU. 

To save you some time, the European Commission provides a full list of the countries above — i.e., both exempt and not exempt from getting a Schengen visa — here . 

And to save you even more time, AXA can help you figure out whether you need to apply for a Schengen visa for Germany in no time. 

And if you do — we can help you apply for a Schengen Visa for Germany (including a work visa for Germany ) in a few simple steps.

If you don’t need a Schengen Visa, then travel insurance is not mandatory to travel to Germany. But even though Germany is one of the safest countries in Europe, life can still be full of surprises — both good and bad — especially when you’re abroad. So no matter your destination, your health and safety (and those of your loved ones) should remain priority number one. And being properly insured is the first step. 

Furthermore, medical costs can be surprisingly costly in Germany (especially when it comes to things like prescription drugs). Meanwhile, understanding and navigating the healthcare system of any foreign country can be tedious, often confusing, and almost always time-consuming. And that’s especially when said healthcare system is in such a beautiful and yet difficult language as German. 

In other words, having the proper travel insurance will not only save you time, confusion, and (possibly quite a lot of) money. It will also give you that little bit of extra security and peace of mind — not to mention ensure that you and your family are well taken care of, 24/7, if something does go wrong.

What does AXA Schengen travel insurance for Germany cover?

And here’s why an AXA travel insurance plan for Germany is the way to go. First off, all of our plans meet the requirements for being granted a German Schengen Visa. Just in case, these requirements stipulate that your travel insurance plan: 

• has a minimum coverage of €30,000 (in case of medical care, hospitalization, and/or medical repatriation); 
• is accepted by all countries within the Schengen zone (not just Germany);
• and is valid for the entire duration of your trip/stay. 

AXA offers you three comprehensive plans to choose from — Low-Cost (starting at as little as €22/week), Europe Travel , and Multi-Trip . Along with meeting all the Schengen Visa requirements above, they also offer: 

• Up to €100,000 coverage in medical expenses; 
• Medical repatriation & transport;
• 24/7 medical assistance in English (or French) in case of urgency;
• Up to 180 days of coverage; 
• Coverage in all Schengen and most European Union countries, including the U.K. (depending on the chosen plan, that is). 

Furthermore, our plans go into effect on the day of your purchase. And AXA’s travel insurance certificate — accepted by all Schengen consulates and embassies — can be i nstantly downloaded (and/or printed) online too. 

There are also no age restrictions with AXA. 

And, finally, in case your Schengen visa for Germany is denied, AXA’s plans are refundable in most cases — so long as you provide the appropriate documentation (i.e., an official explanation as to why your visa was refused by the relevant embassy, consulate, or visa application center). 

You can learn more about and compare our 3 comprehensive plans here . And remember that with AXA, not only will you be one big step closer to getting your German Schengen Visa (if you need one). But, most importantly, you and your family are also guaranteed to be in good hands during your trip to Deutschland itself. Ajouter ici le tableau récapitulatif des 3 formules.

Do you cover emergency medical costs related to COVID?

Yes, we will cover medical costs related to COVID so long as you haven't traveled against World Health Organization advice, personal medical advice from your doctor, and/or the advice/regulations of any other government body in your home country or the country you are traveling to. Emergency and additional travel costs are also covered in this case. To that end, all issued electronic certificates purchased on the AXA-Schengen website include the following disclaimer: “ Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy. ” And this, in turn, will satisfy any embassy rules that state you must get an insurance certificate with COVID protection.

What COVID restrictions does Germany have, by the way?

COVID-19 unfortunately seemed to be making a bit of a comeback in Europe in recent years. COVID-19 restrictions in Germany (and the rest of the EU) do remain lifted; however, there is always a chance that the situation might change. Which is just one more reason why having an AXA travel insurance plan is a good call.

IMPORTANT NOTE: And while digital COVID-19 vaccine travel certificates are still a thing of a strange recent past too, we recommend you stay up-to-date regarding COVID-19 in Germany via the World Health Organization , the official website of the EU , and Germany’s official immigration website BAMF . Whether you bring a mask and hand sanitizer, meanwhile, is up to you.

What should I do if I am injured or ill while in Germany?

Again, life can be full of surprises — especially abroad. But whether you’re skiing the German Alps, hiking through the Black Forest, scaling one of the country’s 25,000 castles, or just sampling a brew in a Munich beer hall — fear not. AXA’s Schengen insurance is here for you. 

In case of a medical emergency, contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7, as well as help you find the medical center closest to your location and best suited to your situation. 

Keep in mind that you’ll need to provide the following info to the call center: 

• The number of your policy (which begins with “SCH” ); 
• The address and telephone number at which you can be reached (as well as the details of any people that can be contacted locally); 
• Your dossier number (communicated at the time of the first call). 

IMPORTANT NOTE : Remember to always keep bills/invoices and enclose them with your file. And keep your phone charged too. 

PRO-TIP: And here are the emergency numbers to keep on hand when in Germany. 

• General emergency: 112 
• Police emergency: 110 
• Emergency medical service for urgent but not life-threatening situations: 116 and 117 -
• The Federal Office for Civil Protection and Disaster Assistance also has a citizen service, available weekdays from 9 a.m. to 3 p.m., at 0228 99 550-3670.

What else should I know when prepping for my trip to Germany?

And here are a few bonus safety tips to ensure that your trip to Germany is a safe one: 

Security  Crime levels are broadly similar in many Western nations — especially top tourist destinations. So be diligent and take sensible precautions to avoid mugging, purse snatching, and pickpocketing. And be particularly vigilant at airports, railway stations, the metro, crowded public gatherings, and tourist hotspots. Do not leave valuables unattended. 

Public transportation  Most German cities and towns have efficient systems of public transport. In larger cities — i.e., Berlin, Hamburg, and Munich — they are usually integrated into a single network. There is an extensive high-speed rail network and an excellent road network, meaning longer journeys by road or rail are relatively pain-free. 

Opening hours  From Monday to Saturday, shops, supermarkets, and so on are usually open between 8, 9 or 10 AM and 8, 9 or 10 PM. Some supermarkets already open their doors at 7 AM. Sunday, however, is usually a day of rest — especially in the smaller towns. 

Driving license If you wish to drive in Germany, you must carry a valid driving license, insurance, and vehicle documents with you in the car at all times. If you are borrowing a vehicle, you may require written permission from the registered owner. The minimum age for driving a car in Germany is 18. 

Restaurants  Most restaurants open around midday (between 10:30 AM and 02:30 PM) and again in the evening (from 05:00 PM till 11:00 PM) — although these times may vary greatly between smaller towns and the major cities. 

The Ruhezeit period  And, finally, while AXA can guarantee that your trip is well ensured for the most part — we can’t guarantee that you won’t get a complaint from a neighbor or two if you choose to party it up. And that’s because many a German still strictly observes what’s known as the Ruhezeit period — i.e., quiet hours. These are typically from 10 pm every day, 6 am to 7 am on weekdays, and all of Sunday. The hours may vary depending on the city. For example, in Hamburg, quiet hours also include 1 pm to 3 pm. So don’t say we didn’t warn you. And safe travels! 

RELATED ARTICLES: 

• How to choose the best Schengen travel insurance 
• What documents do I need to travel to Germany?
• How safe is it to travel to Germany? 
• How safe is it to travel to France? 
• How safe is it to travel to Italy?
• How safe is it to travel to Europe (in general)? 
• How to apply for a Schengen Visa (in general)
• How to track your Schengen visa application

Is Germany part of the EU?

Yes. Germany is one of the members of the European Union. It’s also a member of the Eurozone — and its currency is, therefore, the Euro.

Can I apply for a Schengen Visa online?

Not yet. Although the European Union does plan to fully digitize the process soon. And AXA can tell you all about that.

Can I travel to other European countries with a German visa?

Yes. With your German Schengen visa, you should be able to visit other European countries — in most cases — as long as they are part of the Schengen area.

Can my German visa be extended?

Yes, but only in exceptional cases. You can learn more on the official Berlin Service Portal website .(AXA can tell you more about extending your visa too).

Can I work or study in Germany with a tourist visa?

No. The tourist (or TypeC) allows visitors to enter Germany for a short business trip, a holiday, or to visit family members. However, it cannot be converted into a work or study permit (AXA can tell you more about that as well).

Get Schengen insurance

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Best Travel Insurance For Tourists In Germany [2024 Ultimate Guide]

Last Updated:

Key takeaways

• Everyone who needs a visa to travel to Germany is required to get travel insurance for Germany.
• Even if you are not required to have travel insurance for Germany, getting one is recommended.
• You should consider getting travel insurance from an insurance company in Germany over an insurance company in your home country.
• You can cancel the travel insurance free of charge. Moreover, you can get the premium back if you must return home earlier than planned.

This is how you do it

• Get travel health insurance before the start of your trip to Germany and other Schengen countries.
• We find travel insurance from Dr. Walter * and HansMerkur * among the best.

Table of Contents

Best travel health insurance for foreigners in germany.

*As most companies offer several products, the customer reviews on Trustpilot reflect a mix of those products.

The following is common among all travel health insurance providers.

• ✅ Provides the necessary medical coverage
• ✅ Coverage in Germany and Schengen countries.
• ✅ Travel insurance recognized by the visa authorities 
• ❌ Existing medical issues and foreseeable medical problems are not covered

Other travel health insurance providers are

• Ergo Reiseversicherung

However, they offer services in Germany only.

We find Dr. Walter’s travel insurance for people up to 64 years old to be one of the best options. However, HansMerkur * is significantly cheaper for people 65 and older.

NOTE: Dr. Walter offers unlimited health insurance coverage, but HanseMerkur’s insurance coverage is limited to 50,000 €.

Do foreign guests need travel insurance to visit Germany?

Yes, everyone who needs a visa to visit Germany is required to get a travel insurance plan. Additionally, people traveling from countries outside the European Union should also get a good travel insurance policy.

Here are some reasons you should get a good travel insurance policy while visiting Germany.

• You need travel insurance when applying for a Schengen visa.
• Doctors and medications are expensive in Germany.
• Suppose you have to be hospitalized during your stay in Germany and don’t have travel insurance. You’ll end up paying thousands of euros for the treatment. 
• Travel insurance companies in Germany also offer add-ons like liability and accident insurance. You should also get these as they can save you from financial ruin. Suppose you forgot to turn off the tap in the bathroom, and it floods the hotel room. You are liable to pay the damage costs. If you have personal liability insurance, the insurer will cover the costs. In the worst, if you hurt someone accidentally, the damage claim can be in millions. Thus, having liability insurance is highly recommended when visiting Germany.
• No deductible , no age limit
• Unlimited coverage of medical costs
• Cancellation and rebooking free of charge
• Contract and services in English

• No deductible
• 50,000 € of insured sum per insured person
• Covers individuals who are up to 75 years old

What are the travel insurance requirements for a Schengen visa?

The visa requirements for travel insurance are.

• The minimum insured sum is 30,000 €
• Travel insurance must be valid throughout the Schengen area
• You must get travel insurance to cover your entire stay in Germany and other Schengen regions.

The German embassy also accepts travel insurance from German insurance companies. Furthermore, getting travel insurance from a German insurer offers several benefits.

Why is getting travel insurance from a German insurer recommended over your home country’s insurer?

• Travel insurance from German insurers offers better services at lower costs. As several insurance companies are active in Germany, the insurance market is very competitive, leading to better services at a lower cost. Dr. Walter * costs 108 € for a 90-day trip to Germany and the Schengen area. You get unlimited coverage, you don’t have to pay when you visit a doctor or a hospital in Germany, etc., at that price.
• German doctors and hospitals charge the insurance companies directly. In travel insurance from your home country, you must pay the doctor’s fee and get reimbursed later. However, you don’t have to pay a cent if you take travel insurance from a German insurer. Most doctors and hospitals in Germany bill the travel insurance providers directly.
• Contracts and information are available in both English and German. The German travel insurance providers offer documents and information in both English and German. When you visit a doctor or hospital in Germany, you can show them the information in German. Many ground-level staff and doctors can’t speak good English. Thus, having information in German makes it easier for them.
• German insurers are regulated by the German authorities.  Germany has very strict regulations around insurance. Every insurance company must comply with these rules or may face hefty fines.
• Clearly describe the travel insurance coverage.  German insurance companies are required by law to describe the coverage clearly. This means that instead of stating just “dental coverage” on their website, they must describe exactly what it means and the coverage limit. For example, Dental treatment for pain relief, simple fillings (plastic filling material), and repair of existing dentures.
• Central bodies like ( Verbraucherzentrale and BaFin ) take care of customer issues free of charge. 
• You can contact the  insurance ombudsman if you have disputes with the insurance company. The insurance ombudsman supports you free of charge.

How much does travel insurance for Germany cost?

• Dr Walter costs 1.1 € per day for individuals up to 64 years old. So, you pay 99 € for a 90-day trip.
• HanseMerkur costs 1.2 € per day for individuals up to 64 years old. So, you pay 108 € for a 90-day trip.

The table below summarizes the travel insurance costs based on your guest’s age and stay period.

What is covered under travel insurance for tourists in Germany?

• Outpatient medical treatment.  In Germany, doctors and dentists must charge their patients according to the fees regulated by law. If they charge more than the regulated fee, they must give a written justification to the patient. The German travel insurance plan covers the doctor’s regulated fees. If the doctor charges more than the regulated fee, you must pay the difference on your own.
• The travel health insurance plan covers inpatient medical treatment, including operations.
• Medicines and remedies:  Travel insurance covers the prescribed medicines, remedies, and dressing material.
• Rental costs for medically prescribed aids : Suppose you have an accident and need medical aids to recover faster. Travel insurance will cover the cost of renting such aids. The insured sum is usually limited. Dr. Walter’s * insured sum is limited to 500 € per claim.
• Dental treatment for pain relief, simple fillings (filling material: plastic), and repair of existing dentures. 
• Cost of medically necessary transport to the nearest hospital for inpatient treatment and treatment by an emergency physician.
• Medically necessary or prescribed return transport to your home country.
• Repatriation costs: The cost of bringing the mortal remains to your home country or funeral expenses in Germany. The insured amount is limited, and the value varies from insurer to insurer.
• Personal liability insurance:  It covers the cost of damage you caused to a third party negligently. It covers bodily injury and property damage. The insured sum is 1 million euros.

What is not covered under travel insurance for visitors in Germany?

• Pre-existing or known diseases.
• Travel insurance doesn’t cover the cost of over-the-counter medicines.
• Massages, medicinal baths, and poultices.
• Visual and hearing aids are not covered by travel insurance.
• Travel insurance doesn’t cover the cost of damage caused by the use of a motor vehicle. So, if you rent a car in Germany or the Schengen area, you must get separate car insurance.
• If you cause damage intentionally, liability insurance will not cover the costs.
• Accidents that you caused by driving under the influence of alcohol or drugs.
• Poisoning from food or other substances.
• Intervertebral disc degeneration.
• Active participation in motor racing.

What should you know about visiting a doctor in Germany?

You fell sick during your travel to Germany. What should you do next? How do you find the right medical care? How do you file a claim with your travel insurance company? Let’s have a look.

How do you find a doctor in Germany?

Like most countries, Germany has two types of physicians: general practitioners and specialists. You must visit a general practitioner if you don’t have a life-threatening situation, such as catching a cold, fever, or minor injury. 

General practitioners are called “Hausartz” in German. So, Google “Hausartz” to find the general physicians near you.

However, suppose you need to visit a specialist, such as a skin doctor or orthopedic surgeon. In that case, you must first visit a Hausartz and get a prescription to visit a specialist.

You can ask the general physician for the specialist’s contact details or search on Google Maps. 

Getting an appointment with a doctor in Germany?

Weekends, public holidays, after hours

Private practices in Germany are closed on public holidays, weekends, or after working hours. So, if you want to visit a doctor on weekends, you must visit the nearest hospital (Krankenhaus).

You must go to the hospital’s emergency area (Notfall) and tell them your problem. You can expect to wait 2 to 8 hours, depending on your medical condition. 

You can check the doctor’s opening hours on Google Maps or their website. To make an appointment, you must call the doctor.

Most receptionists in Germany don’t speak English, so you must explain your situation in German. You can also ask your host family or hotel staff for help to get a doctor’s appointment. 

Visiting a hospital during your trip to Germany

In Germany, hospitals (Krankenhaus) are open 24/7. You go to a hospital in two situations: a private practice is closed or an emergency.

In an accident or emergency, you should call an ambulance. The ambulance number in Germany is 112 .

Buying medicines during your trip to Germany

German pharmacies are called “Apotheke” in German. You can find them everywhere. However, they are usually open

• from 08:00 to 18:00 on the weekdays
• 08:00 to 13:00 on Saturday
• closed on Sundays and public holidays.

There are a few 24×7 pharmacies that you can search on Google.

Your travel insurance doesn’t cover the costs of over-the-counter medicines, but it does cover medicines prescribed by a doctor.

Always keep the receipts of the pharmacies. You need them when claiming the travel insurance benefits. Pharmacists in big cities can speak English. But if they don’t, be prepared with German text.

How do you file a claim with the German travel insurance companies?

Here is how you file a travel insurance claim with Dr. Walter.

Doctor’s visit

• Consult a general practitioner before seeing a specialist or going to hospital.
• Show your physician Ärzte-Info-Ticket (medical information card) prior to treatment. When you take travel insurance, Dr. Walter gives you the medical information card.
• Inform your doctor that travel insurance only covers acute medical treatment.
• Usually, the doctor bills the insurance company directly. However, if they don’t, you get an invoice from them.
• Ensure that the invoice contains the following information.
• your name (treated person), illness, type of medical services performed, and total treatment costs.
• You must pay the doctor and later claim the costs from the travel insurance company.
• To submit the claim, you can use Dr. Walter’s online form. Attach all the invoices to ensure fast processing.

Hospitalization in an emergency situation

The insurance company considers a life-threatening situation that occurred unexpectedly as a medical emergency. In a medical emergency, severe health impairment or death may occur if no immediate medical care is given.

In an emergency situation, you show your Ärzte-Info-Ticket (medical information card) to the hospital. The hospital will contact the insurance company and usually settle the bill directly with them.

Hospital or inpatient treatment in a non-emergency situation

In this scenario, you must contact your travel insurance company before getting the treatment. Check what medical costs are covered to avoid any surprises later.

What can you do if the travel insurance provider rejects your claim?

You have three options if you think the insurance company falsely rejected your claim.

• File a complaint online at Verbraucherzentrale . You must submit the complaint in German language. Google Translate or DeepL works well when translating English to German text. When filing the complaint, you must submit your insurance contract, invoices, email conversation with the insurer, and other relevant documents.
• Another authority to which you can submit a complaint is BaFin . When filing the complaint, submit all the documents.
• You can also contact an insurance ombudsman . They provide support for disputes against insurance companies free of charge.

Can you cancel the Germany travel insurance policy?

Yes, you can cancel your travel insurance contract. There are different scenarios, and cancellation works differently for each.

• Canceling the travel insurance policy before starting the trip. You can cancel the contract or change the travel dates free of cost. You can do this by emailing or filling out an online form.
• Canceling travel insurance due to visa rejection.  You can cancel the travel insurance contract free of charge. You must submit the visa rejection email or letter to the insurer.
• Canceling the travel insurance contract if you return early from your trip. You pay for the number of days you were insured under travel insurance. If you must return home earlier than planned, you can get the travel insurance premium back for the remaining days. You must cancel your contract to get the insurance premium back.

NOTE: You must immediately inform the travel insurance company about your changed plans and cancel the contract.

What should you know about traveling in Germany?

• Safety: Germany is a very safe country. So you don’t have to worry about pickpocketing or traveling alone at night. However, you must avoid going to areas or streets that look sketchy at night alone.
• Transport: Germany is proud of its public transport and railway network. You can buy a 49 € monthly ticket and travel all over Germany using any type of public transport (bus, trains, trams, ferries, etc.) except ICEs (fast trains).
• Language: You should know a few German words before coming to Germany. It’ll make your trip more enjoyable. For example, thank you (Danke), Excuse me (Entschuldigung), please (Bitte), train (Bhan), etc.
• Locals : Locals are usually friendly and open to helping foreigners. However, restaurant and shop staff in Germany usually seem cold to foreigners traveling for the first time. But it’s a cultural thing and not racist. 
• Beer : German beer and beer festivals are famous all around the world. So, don’t forget to try a freshly brewed cold beer from the barrel. If you don’t drink alcohol, Germany offers alcohol-free beer for you.

German vocabulary to make your stay in Germany pleasant

• Doctor (Artz)
• General physician (Hausartz)
• Orthopedic doctor (Orthopedie)
• Skin doctor (Hautartz)
• Hospital (Krankenhaus)
• Emergency (Notfall)
• Pharmacy (Apotheke)
• Pain (Schmerzen)
• Emergency number: 112
• Train (Bhan)
• Train station (Bhanhof)
• Thank you (Danke)
• Excuse me (Entschuldigung)
• Food (Essen)

We wish you a great time in Germany and safe travels.

Image Attribution

• Photo by Philipp Kämmerer on Unsplash

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The information provided in this post is based on our own experience and in-depth research. The content of this post might be inaccurate. It should not be considered financial, tax, legal, or any kind of advice.

We are not certified brokers or consultants. Always do your own research and contact certified professionals before making any decision.​

We finance our extensive work via affiliate links. Thus, some or all of the links in the post might be affiliate links.

We get money if you click on such a link or conclude a contract with the provider without costing you a cent extra. 

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German tour operator FTI is filing for insolvency and canceling future trips

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BERLIN (AP) — German tour operator FTI said Monday that it is filing for insolvency protection from creditors, and trips that haven’t yet started will be canceled or scaled back.

FTI Group, which describes itself as Europe’s third-biggest tour operator, said parent company FTI Touristik GmbH, was filing an application for the opening of insolvency proceedings at a Munich court.

Since an announcement in April that a consortium of investors would come on board, “booking figures have fallen well short of expectations despite the positive news,” the company said in a statement.

“In addition, numerous suppliers have insisted on advance payment,” it added. “As a result, there was an increased need for liquidity, which could no longer be bridged until the closing of the investor process,” making the insolvency filing a legal necessity.

The operator said it is working to ensure that trips that have already started can be completed as planned, but “trips that have not yet begun will probably no longer be possible or only partially possible from Tuesday.”

A support website and hotline were set up for customers affected.

The Munich-based FTI Group has over 11,000 employees.

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Two dozen United Airlines passengers fell ill on flight, had been on cruise

Around two dozen passengers fell ill on a United Airlines flight from Vancouver, Canada to Houston, Texas on Friday.

Approximately 25 people traveling in a group of 75 had nausea, according to Capt. Sedrick Robinett of the Houston Fire Department. HFD evaluated three passengers upon the plane’s arrival at George Bush Intercontinental Airport but none were transported to the hospital, he said.

“Several passengers who had been on the same cruise and did not feel well were on United Flight 1528 from Vancouver to Houston Friday night,” United told USA TODAY in an emailed statement. The airline did not answer a question about what cruise line or ship the flyers had been traveling on before their flight.

“United Airlines is actively coordinating with health authorities to address the situation,” the airline’s statement continued. “As a precautionary measure, the aircraft will be removed from service and go through a deep cleaning before returning to service. Ensuring the health and safety of our passengers and crew remains our top priority.”

Is there a doctor on board?: Usually, yes. Here's why.

The Houston Health Department referred a request for comment to the Centers for Disease Control and Prevention.

"Public health officers from CDC’s Houston Port Health Station worked with EMS to evaluate ill passengers on board," a CDC spokesperson said in an emailed statement. "Most of the ill passengers reported mild GI symptoms. No passengers were noted to have a fever during the flight or upon public health assessment at landing. No passengers met CDC criteria for further public health follow-up. Passengers from the flight continued with their travel plans."

The news comes after dozens of passengers on a Condor flight from Mauritius to Frankfurt, Germany mysteriously became sick with nausea and vomiting last month.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

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On behalf of the German federal government, the GNTB has been working internationally to promote Germany as a travel destination for more than 60 years. It communicates the diverse appeal of the country to a worldwide market, thereby promoting a strong and attractive brand – 'Destination Germany'.

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