Compare Travel Insurance in Germany

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What is Travel Insurance in Germany?

Travel insurance (Reiseversicherung) in Germany is a group of covers that protect you before and during a trip. The most important is Auslandskrankenversicherung, travel medical insurance for treatment abroad, followed by Reiserücktrittsversicherung, which reimburses prepaid costs if you have to cancel. Policies also commonly bundle trip interruption, baggage cover and travel liability. Cover is sold either as single-trip insurance for one journey or as an annual multi-trip policy for people who travel several times a year.

How the German market works

The central reason Germans buy travel medical cover is a gap in statutory health insurance. The public system (GKV) provides only limited cover outside Germany — within the EU it pays at local statutory rates via the EHIC card, and it typically will not fund private clinics or, crucially, medically necessary repatriation back to Germany, which can be very expensive. Auslandskrankenversicherung fills that gap, covering private treatment abroad and, importantly, medical repatriation.

The market is served by large insurers and specialists. HanseMerkur is a well-known travel-cover specialist, ADAC is prominent for motoring and travel protection, and general insurers such as ERGO, Allianz Travel, Generali, Gothaer, HUK-COBURG and DEVK all offer policies. Annual policies for individuals or families are popular and often inexpensive relative to per-trip cover for frequent travellers.

Benefits

Medical cover abroad — pays for treatment that GKV will not fully fund outside Germany, including private care.

Repatriation — covers medically necessary transport back to Germany, a cost the public system generally does not meet.

Cancellation protection — Reiserücktrittsversicherung reimburses non-refundable bookings if illness or another insured reason forces you to cancel.

Annual convenience — a yearly multi-trip policy covers every journey in the period without buying cover each time.

Family cover — many policies insure partners and children on a single annual contract.

How to choose

First decide between single-trip and annual cover based on how often you travel; frequent travellers usually save with an annual policy. Then check what medical cover includes — look for unlimited or high medical limits, explicit repatriation cover, and terms around pre-existing conditions.

For cancellation cover, check the list of insured reasons and whether there is an excess (Selbstbeteiligung). Confirm the geographic scope (Europe only versus worldwide), age limits, and any exclusions for high-risk activities. If you also want breakdown and travel assistance while driving, ADAC-style motoring cover may suit. Read whether cancellation and medical are bundled or sold separately, as combined packages are common.

Leading providers in Germany

HanseMerkur — a specialist widely recognised for travel medical and cancellation cover.

ADAC — strong on motoring and travel assistance, popular with drivers and members.

ERGO and Allianz Travel — large insurers offering full ranges of single-trip and annual policies.

HUK-COBURG, Generali, Gothaer and DEVK — established insurers providing competitively priced travel cover, often alongside other policies.

What it costs

Annual travel medical or combined policies for an individual commonly fall in the region of €48 to €109 per year, with family cover a little higher. Single-trip policies are priced by trip length, destination and traveller age, so a long or worldwide trip costs more than a short European one. Cancellation cover is often priced as a percentage of the total trip value. Optional extras — waiving the excess, extending to worldwide cover, or adding high-risk activities — raise the premium.

Protections and regulation

Insurers operating in Germany are authorised and supervised by BaFin. Travel insurance is a contract-based product, so the practical protections come from the policy terms: the medical limits, the definition of insured cancellation reasons, exclusions and any excess. Because statutory health cover abroad is limited, the EHIC alone is not a substitute for travel medical insurance — it does not cover private treatment or repatriation. Always read the terms so you know the scope, waiting periods and what is excluded before you travel.

Common questions

Doesn't my EHIC cover me in Europe? Only partly — it pays local statutory rates and excludes private care and repatriation, which travel medical insurance covers.

Single-trip or annual? Annual multi-trip cover is usually cheaper if you travel more than once or twice a year.

What does cancellation cover pay? Reiserücktrittsversicherung reimburses prepaid, non-refundable costs for insured reasons such as sudden illness, often subject to an excess.

Travel Insurance in Germany — FAQ