Travel health insurance for Germany

If you are planning to travel to Germany, having travel health insurance is highly advisable. While Germany has an excellent healthcare system, visitors may still encounter unexpected medical expenses or require emergency medical services. Here are some key points to consider when looking for travel health insurance for Germany:

  1. Schengen Visa Requirements:
    • If you are a non-European Union (EU) citizen and require a Schengen visa to enter Germany, travel health insurance is a mandatory requirement for obtaining the visa. The insurance must cover at least €30,000 in medical expenses, including emergency repatriation and medical evacuation.
  2. Coverage for Medical Expenses:
    • Ensure that the travel health insurance provides coverage for medical expenses, including hospitalization, doctor visits, prescription medications, and other necessary medical treatments.
  3. Emergency Medical Evacuation and Repatriation:
    • Look for a policy that includes coverage for emergency medical evacuation to the nearest suitable medical facility and repatriation of remains in case of a serious medical emergency or death.
  4. Pre-existing Conditions:
    • Check the policy regarding coverage for pre-existing medical conditions. Some policies may provide coverage for sudden exacerbations of pre-existing conditions, while others may have limitations.
  5. Dental and Vision Coverage:
    • Consider whether the policy includes coverage for emergency dental or vision care resulting from an injury during the trip.
  6. Duration of Coverage:
    • Ensure that the travel health insurance covers the entire duration of your stay in Germany. If you plan to visit other Schengen countries, make sure the coverage is valid for the entire Schengen Area.
  7. Geographic Coverage:
    • Verify that the policy provides coverage in Germany and, if applicable, other Schengen countries. Some policies may have restrictions or limitations based on the destination.
  8. Emergency Assistance Services:
    • Look for travel insurance plans that offer 24/7 emergency assistance services. This can be crucial for obtaining medical advice, coordinating care, and accessing support in case of emergencies.
  9. Policy Exclusions and Limitations:
    • Carefully review the policy exclusions and limitations. Be aware of any conditions that may affect coverage, such as specific activities or high-risk sports.
  10. Comparing Plans:
    • Shop around and compare different travel health insurance plans for Germany. Consider factors such as coverage limits, deductibles, policy terms, and customer reviews.
  11. COVID-19 Coverage:
    • Given the ongoing global pandemic, check whether the policy provides coverage for COVID-19-related medical expenses, quarantine costs, or trip cancellations due to the virus.

It’s essential to carefully read the terms and conditions of the travel health insurance policy to understand the coverage details and exclusions. Additionally, ensure that the chosen policy meets the specific requirements for obtaining a Schengen visa if applicable. Consult with insurance providers or use the services of a travel insurance broker to find a policy that suits your needs for travel to Germany.