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Travel Insurance for Germany lets you go away with confidence. Knowing you’re covered if your belongings are lost or stolen or you face travel delays. Our award-winning customer service team⁴ will be ready to help you if you need to make a claim.
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What is Travel Insurance for Germany, and do you need it?
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What does AllClear’s Germany Travel Insurance cover?
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AllClear’s Travel Insurance for Germany with pre-existing medical conditions
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Find the best Germany Travel Insurance for your trip
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How our Travel Insurance for Germany works: A simple 3 step quote process
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Get the most out of your trips with our helpful guides
Travel Insurance for Germany lets you go away with confidence. Knowing you’re covered if your belongings are lost or stolen or you face travel delays. Our award-winning customer service team⁴ will be ready to help you if you need to make a claim.
What is Travel Insurance for Germany, and do you need it?
From historic cities packed with culture to stunning mountains and countryside. Germany is a large, diverse and exciting country for travellers. But Germany Travel Insurance should be top of your list as you prepare:
- A Global Health Insurance Card (GHIC) will give you access to some essential state medical care at the same price as locals. However, there are many things it won’t cover, including medical repatriation. ABTA says an air ambulance from the EU to the UK could cost you £21,750 to £26,100
- Travel Insurance isn’t just for medical costs. 27% of claims in a Which? survey were for cancellations, while 25% were for transport delays, and 21%, lost possessions
- Thefts, especially in German tourist hotspots, are common. Germany is the fourth most likely European country for visitors to be pickpocketed
Travel Insurance for Germany from AllClear means you can go away with peace of mind. We’re rated ‘Excellent’ or ‘Great’ with over 200,000 reviews⁵. In fact, 99%+ of all claims to us are paid within 5 working days⁶.
You can get Germany Travel Insurance, even if you have a pre-existing medical condition. We’re a travel insurance for medical conditions provider and cover more than 1,300 conditions, including diabetes, heart disease and stroke.
If you’re going away on a backpacking trip around Europe, take a look at our long stay policies. We also offer a range of optional cover if you’re visiting Germany for a skiing trip or cruise.
Get your quote online or phone our friendly team for free.
Always read our Policy Wording before picking your policy.
What does AllClear’s Germany Travel Insurance cover?
Germany Travel Insurance should protect you against a number of issues commonly faced on holiday:
What’s covered?
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- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and curtailment: Cover for your flight and accommodation costs if you unexpectedly have to cancel for reasons outside your control. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit
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What’s not covered?
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- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance so we can give you the right cover. This is especially vital for senior travellers and those with long-term conditions
- Activities: Always check any activities you plan are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
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For full details of what is and is not covered with Germany Travel Insurance, please check your Policy Wording.
We tailor all our travel policies to you with three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
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| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Travel Insurance for Germany with pre-existing medical conditions
You may be worried that you can’t get Travel Insurance for Germany due to your medical history. As a travel insurance with medical conditions provider, we specialise in cover for those with pre-existing conditions.
99%+ of our customers are offered cover⁷. What’s more, our quick and simple medical screening process will mean you can get your quote easily. We’ve covered more than 3.5 million travellers already.
Get Germany Travel Insurance if you have:
98% of our customers rate us as ‘Excellent’ or ‘Great’⁸. Get your Travel Insurance to Germany quote online now or phone our team for free.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
Read our Policy Wording for full details of how we can cover you and your pre-existing medical conditions.
Find the best Germany Travel Insurance for your trip
Get Travel Insurance for Germany from AllClear. 97% would consider buying from us again⁹:
- Single Trip Germany Travel Insurance: We’ll tailor your policy to you and your trip. This means you can go away with peace of mind that you’re covered.
- Annual Travel Insurance: You could save time and money with our annual policies. If you have more than one trip planned this year, take a look.
- Winter sports: Hitting the slopes? Find out about our cover for winter sports.
- Long stay policies: If you’re backpacking around Europe or staying in Germany for a while.
- Group cover: Get everyone covered on the same policy if you’re going away with friends or family.
- Gadget cover: Protect your phone, tablet, laptop or camera with our optional extra cover.
Read more about all of these in our Germany Travel Insurance Policy Wording.
How our Travel Insurance for Germany works: A simple 3 step quote process
Get Germany Travel Insurance fast. In 3 simple steps, you’ll be covered and looking forward to your trip:
- Tell us about you and your trip
Fill in some details online or phone our team.
- Declare your pre-existing medical conditions
Tell us about any pre-existing medical conditions and complete our simple medical screening process. This will mean we can give you an accurate quote.
- See your quote
Choose to buy your policy right away or save it for later.
Read our Policy Wording to understand what is and isn’t included in Travel Insurance to Germany.
“You may wonder whether you need Travel Insurance for Germany. A GHIC will only cover you for essential state medical treatment and won’t include repatriation. While many of the most common reasons for claiming on a policy are lost belongings, travel delays and cancellation. Travel Insurance is a holiday essential, even in countries that are covered by the GHIC card.”
Letitia Smith – Head of Communications.
What our Customers Say
98% of our customers would recommend us to family and friends¹⁰. Read more reviews on Trustpilot:
I insured with AllClear
“I insured with them for my trip to Germany.”
Frequently Asked Questions on Germany Travel Insurance
Do you need Travel Insurance for Germany?
There are no Germany Travel Insurance requirements for UK citizens. However, it is strongly recommended that you buy a policy. Travel Insurance for Germany will protect you for delays, personal liability and stolen belongings. You can also choose up to £25k cancellation cover¹¹.
Germany is in the Schengen zone, where Travel Insurance isn’t mandatory if you don’t require a visa. Entry requirements may change, so always check the FCDO website for the latest information.
Does GHIC cover healthcare for visitors in Germany?
The GHIC (previously EHIC) will mean you can access some emergency state medical care at the same cost as locals. However, many issues you could face on holiday aren’t covered by these cards. For instance, if you require repatriation back to the UK, you would be expected to pay for this yourself.
Travel Insurance to Germany is strongly recommended. It will mean you’re also covered for other common issues, such as unexpectedly having to cancel, travel delays or being pickpocketed.
How much does Germany Travel Insurance cost?
The cost of Germany Travel Insurance will vary, depending on:
- Where you’re going
- How long you’re going for
- Your age
- Any pre-existing medical conditions
- Whether you want to insure anyone else on the same policy
- Any additional cover you require, such as protection for your gadgets
The best way to find out how much your policy will cost is to get a quote. It’s quick and easy. Do it online now or phone our team for free.
Which Travel Insurance is best for Germany?
The best Travel Insurance to Germany will depend on you and your trip. We offer both Single and Annual Multi-trip policies if you’re planning on going away multiple times this year. We also offer a range of optional extra cover for golfing holidays, cruises and any activities you have planned.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on ensuring you remember everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
