Travel health insurance in Germany for your Schengen visa


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Is your next travel destination Germany? But before you travel you should find out whether or not you need to apply for a Schengen visa. Travelers from over 100 countries must apply for a visa to enter Germany and the Schengen area. Then you need a visa travel health insurance for Germany and the entire Schengen area! 

A foreign health insurance is recommended for all travelers, even for those who can travel to Germany without a visa! The policies are inexpensive and protect you from exorbitant costs in the event of an accident or illness. In the following article we will explain to you which visa travel health insurance in Germany is ideal and how you can take it out!

Click into our article for an overview of the countries that are covered by Schengen Visa Insurance.

Travel health insurance in Germany

Who needs visa travel health insurance in Germany?

Do you have to apply for a visa to enter Germany?

Are you a non-EU citizen and need to apply for a visa to travel to Europe? In this case you are obliged to show a visa travel health insurance in Germany for foreigners. Like citizens of over 100 countries, you must take out travel insurance for the duration of your stay in Germany and enclose the proof of insurance with your visa application. Your visa application will only be processed if you have a valid Schengen visa travel health insurance.

For your visa application, contact the German Embassy or the German Consulate in your place of residence. Submit the application form with the complete documents, which also includes travel health insurance. Make sure that your Schengen travel health insurance for Germany meets the criteria of the Schengen Visa Code.

You don’t have to apply for a visa to enter Germany?

Around 60 countries outside Europe are exempt from the visa requirement for short trips to Germany and the Schengen area. Are you from a country that does not require a visa? Then you can save yourself the visa procedure and in this case you do not need any compulsory travel health insurance in Germany for foreigners. Please note, however, that you will probably have to fill out the new ETIAS entry permit in advance in 2021/2022. 

In order to be able to enjoy your trip to Germany without worries, travel health insurance is also advisable for travelers who do not require a visa. The German Foreign Office advises all non-EU citizens to take out travel health insurance for Germany and the Schengen area. 

An accident while hiking in the Alps or while kite surfing on the North Sea as well as an infection with the flu virus or the new COVID-19 virus can bring you to a German hospital unexpectedly. Only with travel health insurance for foreign guests in Germany can you protect yourself from enormous costs that you would have to pay yourself without insurance.

What criteria does a Schengen insurance for Germany have to meet?

In order for travel health insurance to be accepted for a visa in Germany, it must comply with European requirements. The best Schengen visa travel insurance policies for Germany and the entire Schengen area meet the criteria and also offer advantageous benefits.

Requirements for the Schengen visa:

  • Protection in all Schengen countries, including Germany, if desired also in non-Schengen countries
  • Minimum coverage of at least 30,000 euros (approx. 33,000 USD), if desired also more
  • Assumption of the costs for urgent medical care and / or hospital treatment, repatriation for health reasons and in the event of death
  • Protection for the entire duration of the stay

Advantages of the Schengen visa travel insurance:

  • Attractive prices: the cheapest travel health insurance in Germany starts at € 0.99 per travel day
  •  Fast online booking
  • 24/7 support and help in an emergency
  • Reimbursement of travel insurance costs if your visa application is denied, provided you can provide official proof
  • No excess
Travel health insurance in Germany

What do I do if I get injured or sick in Germany?

If you are in Germany and health reasons could incur costs, please contact your insurance Schengen hotline for emergencies. The number you need to call can be found on your insurance policy. You provide the employee with the following information:

  • the number of your insurance policy
  • Your contact details (telephone and address), under which you can be reached
  • Contact details of other people on site

Important : If you have had to pay for a treatment, ask for an invoice that shows the services provided. You must present the invoice to your insurance so that you can be reimbursed.

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Useful information about Germany

  • Capital : Berlin 
  • Official language : German. Many Germans also speak good English.
  • Currency : Euro / €
  • Telephone code : +49
  • Emergency numbers : Police: 110 | Fire brigade and accident: 112
  • Voltage : 230 volts
  • Climate : temperate continental. The ideal time to visit Germany is spring, summer and early autumn, unless you want to go to the mountains for winter sports.
  • Time : Winter time is UTC + 1 hour, summer time is UTC + 2 hours. The changeover to summer time takes place on the last weekend in March and the changeover to winter time on the last weekend in October.
Travel health insurance in Germany

How do I get to Germany?

By car: You can travel to all corners of Germany without any problems via a large motorway network. Contrary to popular belief, many German motorway sections have a speed limit. Almost 33% of the German autobahns have a speed limit of 120 km / h or sometimes even 100 km / h.

By plane: Germany is served by more than 100 international airlines. The three largest German airports (Frankfurt am Main, Munich and Düsseldorf) offer numerous national and international flight connections. Not to forget the Berlin Tegel and Berlin Schönefeld airports for stays in the German capital.

By train: You can take the train to Germany from many European cities. A very well developed network of railway lines is also available to you for travel within Germany.

By bus: Many bus companies offer international connections to Germany at very attractive rates. Check out websites like Flixbus, BlaBlaBus, Omio etc. to find cheap bus travel to Germany.

By ferry: The most important Baltic ports are Rostock, Lübeck and Kiel. From these cities you can also take a ferry to Germany from Scandinavia.

Did you know that …

Germany is the most populous country in the EU!
With 83.2 million inhabitants, Germany is the most populous country in the EU, ahead of France and Italy.

The largest Wadden Sea in the world is located on the German North Sea!
The Wadden Sea is a unique stretch of coast – not land, not sea, which is characterized by ebb and flow. Northern Germany has the largest Wadden Sea in the world, which is a UNESCO World Heritage Site.

In Germany the shops are closed on Sundays!
In Germany, the shopping streets are surprisingly quiet on Sunday, because Sunday is the day of rest on which the shops are closed.

Germany consists of 31% forests!
A third of the area of ​​Germany is covered with forests.


FAQ: Travel health insurance in Germany

Do foreigners have health insurance in Germany?

Non-EU citizens who come to Germany to travel are not automatically insured. You have to take care of a private travel health insurance for Germany. However, if you are domiciled in Germany or if you have a job, you must join a statutory health insurance scheme under German law.

For whom is travel health insurance compulsory in Germany?

All travelers who have to apply for a Schengen visa for Germany need a Schengen travel health insurance for foreign guests in Germany. You must show proof of insurance when applying for the visa.

My Schengen visa application for Germany was rejected. Will I get my money back for travel health insurance for Germany?

The best Schengen visa trave insurance providers offer a refund of your insurance policy if your visa application has been rejected. Provided that you provide a copy of the official rejection letter.

Expaturm aims to help educate Expats in Germany on key issues that they will have to deal with while living in Germany by providing everything you need to know about Banking, Healthcare, Lifestyle, and Housing in Germany



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