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Home » Travel insurance » Germany travel insurance

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Why do you need Travel Insurance for Germany?

Travel Insurance for Germany will cover you for medical emergencies and cancellation costs.  Your personal belongings will also be covered in case you lose them while abroad. 

For additional peace of mind, AllClear branded policies include Superior rated Covid-19 for FREE.

Comprehensive cover when travelling to Germany

ManyTravellers venture to Germany every year. 39.56 million people travelled to Germany pre-pandemic in 2019. So, what attracts so many people? 

Germany has a versatile landscape consisting of coastlines and mountainous regions. Mostly, it’s known for its dense forests. Its most famous being the Black Forest, which stretches for 6,009 km². It is thought to be the inspiration for many Brother Grimm fairy tales. 

It’s an ideal location for those who love nature or the hustle and bustle of modern cities. 

If you’re thinking of travelling to Germany, here’s what you can expect should you trust your Travel Insurance to AllClear: 

  • Access to up-to-date travel insights from around the world 
  • A clear understanding of what’s included within your chosen policy 
  • Answers to your frequently asked Travel Insurance questions 

As the UK’s No.1 for Travel Insurance2, you could benefit from the following: 

Superior Covid-19 Travel Insurance for Germany

Is Covid cover essential? When buying Travel Insurance, it’s essential to buy a policy that includes Covid cover. This will make sure you’re protected if you contract Covid while away or you have to cancel your trip to self isolate.  

In a post-pandemic travel era, it’s no surprise that 40%3 of over 50s we surveyed view Travel Insurance as more important than before the pandemic. 

CEO of AllClear Travel, Chris Rolland, said: “The safety of our customers is of the utmost importance to us. This is why we created high-quality Covid cover that offers reassurance and peace of mind to all travellers, regardless of their age or medical conditions.

After all, we believe that travel insurance isn’t just another document. It can be a vital lifeline should the worst occur far from home. Make sure you buy a policy that’s tailored to suit you, your medical needs and holiday activities.”

If you have an upcoming trip, we recommend that, as part of your preparation, you:

  • Make yourself aware of Germany’s entry requirements leading up to your trip by visiting the FCDO website 
  • Be prepared for entry requirements for returning to the UK by checking out the ‘Go / No Go’ Travel System’
  • Buy quality Travel Insurance that includes enhanced COVID-19 cover. 

What Should Travel Insurance for Germany Cover?

You need the right Travel Insurance to suit you and your trip. Policy Essentials should include:

Medical expenses cover – Your policy should cover unexpected medical expenses, including all pre-existing medical conditions. A good policy will include repatriation to the UK!

Travel delay and transport disruption – If you have booked your transport in advance, should you experience unexpected delays, then a travel insurance policy might cover you for any losses or cancellations.

Cancellation cover – If a pre-existing medical condition means that you have to cancel your holiday, your policy will be able to cover any financial losses for cancellation or curtailment.

Personal property cover – A policy should include cover for any loss or theft of your personal property or luggage. 

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
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

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Freephone to get your quote on: or

Join the UK’s most trusted Travel Insurance provider1

If you’re looking for premium Medical Travel Insurance that you can trust, it’s time you travelled with AllClear. We’ve helped over 3 Million travellers since 2000. 99%4 of customers would recommend us to family and friends.

Here’s what our customers have to say about their AllClear experience:

Excellent Company

“We have been insured with All Clear for several years. Travel insurance is something we don’t often think about when we go on holiday, but it is essential as we found out. We have had to claim on this insurance after two separate serious leg injuries in Austria and Germany. AllClear was very professional and helped us through this difficult time. They were in touch with the hospital directly, organising treatment, discharge and flights home, plus a taxi to the door. They arranged everything perfectly and kept me informed all the time…” – Mr Greene.

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage. Freephone to get your quote on: or

Frequently asked questions

What is the hottest time to go to Germany?

The peak temperature occurs in Germany in August. Average highs at this time reach around 22C. It’s generally a colder country than some of its bordering European neighbours such as France

What does the GHIC cover in Germany?

GHIC, Travellers going to Germany can use the GHIC scheme to help cover the costs of emergency medical treatment. 

However, repatriation is not covered by the scheme, even if related to a medical emergency. A GHIC also doesn’t cover cancellation or cutting short your trip.

You should not rely solely on GHIC. You should buy Travel Insurance that covers all aspects of your trip.   

What is Germany famous for?

Although not traditionally thought of as a holiday hotspot, Germany has plenty to offer. While visiting, why not explore the Black forest or attend Oktoberfest? As a destination, Germany also provides Christmas markets, castles, and carnivals

Is Germany friendly to tourists?

Germany is friendly and welcoming to all tourists. The country has re-opened its borders to vaccinated travellers. Those who are not vaccinated will have to prove they meet the exemption requirements before entering.  

Top Tips for Travelling to Germany

Did you know that Berlin has more bridges than Venice, with a total of 960 bridges?

Need some top tips for your trip?  See our table below:

Area of Travel

Travel information

Currency

Euro

Language

German

Emergency number

110 – Call this number if you have a medical assistance emergency or a fire emergency. 112 is the number to contact the police. 

Health

By international standards, Germany’s hospitals offer high quality treatment. If you don’t have a GHIC card or Medical Travel Insurance, and you have a medical emergency, you will have to pay fees yourself before receiving treatment.

Visa

You can travel to Germany (and other countries within the Schengen area) visa free  for up to 90 days. However, you must make sure the 90 days limit falls within any 180-day period.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2  Ranked first Overall for Travel Insurance on SmartMoneyPeople.com from over 14,300 independent customer reviews on 27/01/2021.

3 Research-based those that took part in AllClear’s Summer Survey, July 2021. 1440 respondents. 

4 Based on 166 AllClear customers surveyed in April 2021.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.