{"id":20004,"date":"2026-03-24T19:34:09","date_gmt":"2026-03-24T11:34:09","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=20004"},"modified":"2026-03-24T22:04:15","modified_gmt":"2026-03-24T14:04:15","slug":"germany-travel-insurance-guide","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/germany-travel-insurance-guide.html","title":{"rendered":"A Complete Guide to Travel Insurance in Germany"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Travel insurance is required for travelers entering Germany with a Schengen visa. Even for those who don\u2019t need a visa, having travel insurance is strongly recommended to avoid high medical expenses or disruptions during the trip.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/germany-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">Germany<\/span><\/a><span style=\"font-weight: 400;\"> requires Schengen visa holders to have travel insurance with at least \u20ac30,000 of medical coverage, repatriation, and protection across all Schengen countries. Leading providers offering compliant plans include Allianz, April International, Blue Cross Blue Shield Global, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This comprehensive guide outlines everything you need to know about <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/the-best-travel-insurance-companies.html\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> in Germany, compares <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-germany.html\"><span style=\"font-weight: 400;\">top-rated providers<\/span><\/a><span style=\"font-weight: 400;\">, explains travel requirements, and offers safety and travel advice.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Germany Travel Insurance Requirements<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29552 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square.webp\" alt=\"Image of Brandenburg Gate Under Bright Daylight In Central Berlin Square with text overlay of &quot;Germany Travel Insurance Requirements&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/brandenburg-gate-under-bright-daylight-in-central-berlin-square-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Visitors from 103 different countries worldwide are required to have a <\/span><a href=\"https:\/\/schengeninsuranceinfo.com\/schengen-visa\/who-needs\/\"><span style=\"font-weight: 400;\">Schengen visa<\/span><\/a><span style=\"font-weight: 400;\"> to enter Germany\u2014or any other country in the Schengen region.<\/span><b> Those who require a Schengen visa must also purchase travel insurance that meets specific standards.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Short-term visitors who do not need a Schengen visa are not legally required to purchase travel insurance, though it is strongly encouraged.<\/span><\/p>\n<h3><b>Insurance for Long-Stay Visas in Germany<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travelers staying in Germany for longer than 90 days must secure a long-term (D) visa. Holders of this visa must have medical insurance that provides:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage of at least \u20ac30,000 per year per person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for death expenses, including repatriation of remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No gaps in coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No deductible<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Passports must also be valid for at least six months beyond the intended departure date.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-30' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_1.jpg\" alt=\"Blog Banner Europe 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Understanding Schengen Visa Rules for Germany<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The Schengen area includes 29 European countries that allow free movement across borders. A Schengen visa permits visitors to travel in this zone for up to 90 days within a 180-day period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not all travelers staying in Germany for 90 days or less require a <\/span><a href=\"https:\/\/schengeninsuranceinfo.com\/schengen-visa\/who-needs\/\"><span style=\"font-weight: 400;\">Schengen visa<\/span><\/a><span style=\"font-weight: 400;\">. Those who do include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Citizens of countries without a visa liberalisation agreement with the EU<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Citizens of countries with such agreements who were denied visa-free entry<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Beginning mid-2025, Schengen-visa-exempt travelers will also need ETIAS authorization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those exempt from Schengen visa requirements include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Holders of diplomatic passports<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Holders of local border traffic permits (civilian air and sea crews from member states)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crew members on emergency and rescue missions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">School pupils<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intergovernmental travel document holders<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refugees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Members of the armed forces<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NATO personnel<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">All travelers who require a Schengen visa must provide proof of travel insurance that meets the following requirements:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum coverage of \u20ac30,000 (USD $30,938.04) in medical costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valid coverage across all Schengen countries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for the entire duration of stay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical repatriation (transportation back home for treatment)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical care and hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation of remains (transportation of the body in the event of death)<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-31' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_2.jpg\" alt=\"Blog Banner Europe 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Types of Travel Insurance for Germany<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Visitors to Germany should consider traditional travel insurance, travel medical insurance, or even bundle both.<\/span><b> Traditional travel insurance provides coverage for travel-related mishaps<\/b><span style=\"font-weight: 400;\"> like lost luggage. <\/span><b>Medical coverage helps cover the cost if you get sick or injured<\/b><span style=\"font-weight: 400;\"> in Germany.<\/span><\/p>\n<h3><b>Standard Travel Insurance Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance eliminates the stress over missing a flight, losing your investments if a family emergency delays your trip, or losing luggage by providing financial backing for these types of accidents.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common travel insurance coverage includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost luggage and personal belongings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancellation (cancel for any reason or general cancellation)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel delay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24\/7 customer service<\/span><\/li>\n<\/ul>\n<h3><b>Emergency Medical Insurance in Germany<\/b><\/h3>\n<p><b>Travel medical insurance provides basic coverage in case of a medical emergency<\/b><span style=\"font-weight: 400;\"> in Germany. Germany does not offer free healthcare to travelers, so those without insurance coverage would have to pay for all medical treatment costs out of pocket.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common benefits under travel medical insurance plans include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation of remains<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-32' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_3.jpg\" alt=\"Blog Banner Europe 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>Single vs. Multi-Trip Insurance Options<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Single-trip travel insurance is the most common coverage for Germany, and it is likely sufficient for brief visits to Germany. If you plan to travel to Germany multiple times or want to visit other destinations outside the country, consider multi-trip coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Multi-trip coverage extends the benefits of your travel insurance plan across multiple trips within a designated amount of time, often up to one year. Not all providers offer multi-trip coverage, so discuss your options with a broker or provider before booking multiple trips.<\/span><\/p>\n<h3><b>Common Exclusions in Travel Insurance Plans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance plans often exclude:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreseen events (e.g., epidemics known before booking)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Civil unrest, war, terrorism<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre-existing conditions (mental health, pregnancy, substance-related issues)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental work (unless added as a rider)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-emergency medical treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Storms known before booking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fear of travel<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dangerous activities (e.g., skydiving, mountain climbing)<\/span><\/li>\n<\/ul>\n<h3><b>How Much Does Travel Insurance Cost for Germany?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The length of your trip, your age, and the cost of your trip all contribute to the cost of your travel insurance, <\/span><b>with most plans to Germany costing around 5\u201310% of your total trip cost<\/b><span style=\"font-weight: 400;\">. A basic plan for a one-week stay may be as little as USD $20, with more expensive plans costing over USD $200.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-33' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_4.jpg\" alt=\"Blog Banner Europe 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Top Travel Insurance Companies for Germany<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The best travel insurance providers for travelers in Germany include Allianz, April International, AXA, Blue Cross Blue Shield Global, and MSH International. Let\u2019s take a closer look at each of these providers.<\/span><\/p>\n<h3><b>Allianz<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Travel<\/span><\/a><span style=\"font-weight: 400;\"> offers Schengen-compliant insurance beyond their other international travel insurance plans to offer you a once-in-a-lifetime Germany vacation. Their single-trip travel insurance options include the following plans:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OneTrip Prime:<\/b><span style=\"font-weight: 400;\"> trip cancellation up to USD $100,000; trip interruption up to USD $150,000; emergency medical up to USD $50,000; baggage loss or damage up to $1,000; and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OneTrip Basic:<\/b><span style=\"font-weight: 400;\"> trip cancellation up to USD $10,000; trip interruption up to USD $10,000; emergency medical up to USD $10,000; baggage loss or damage up to USD $500; and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OneTrip Premier:<\/b><span style=\"font-weight: 400;\"> trip cancellation up to USD $200,000; trip interruption up to USD $300,000; emergency medical up to USD $75,000; baggage loss or damage up to USD $2,000; and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OneTrip Emergency Medical:<\/b><span style=\"font-weight: 400;\"> emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; travel accident coverage up to USD $10,000; and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OneTrip Cancellation Plus:<\/b><span style=\"font-weight: 400;\"> trip cancellation up to USD $5,000; trip interruption up to USD $5,000; travel delay up to USD $150, plus 24-hour hotline assistance.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Their multi-trip plans include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AllTrips Basic:<\/b><span style=\"font-weight: 400;\"> emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AllTrips Premier:<\/b><span style=\"font-weight: 400;\"> trip cancellation and trip interruption with options from USD $2,000\u2013$15,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $500,000; baggage loss or damage up to USD $2,000; travel delay up to USD $1,500; and much more.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AllTrips Executive:<\/b><span style=\"font-weight: 400;\"> trip cancellation and trip interruption with options from USD $5,000\u2013$10,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; baggage loss or damage up to USD $1,000; travel delay up to USD $1,600; cover for business equipment; and more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AllTrips Prime:<\/b><span style=\"font-weight: 400;\"> trip cancellation up to USD $3,000; trip interruption up to USD $3,000; emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Their Schengen-compliant plans offer benefits for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to USD $50,000 in emergency medical expenses in case of accident, sickness, illness or injury\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to USD $200 if your baggage is delayed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to USD $2,000 in case of trip cancellation\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>April International Travel Insurance<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\"> offers professional, reliable coverage\u2014and has done so for over 30 years, making them an excellent partner to insure your Germany vacation. They offer options to cover pre-existing conditions, and they have a ready-to-go Schengen visa insurance plan for your ease.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">April International\u2019s Schengen-compliant plan comes with an insurance certificate right away when applying online, which is required for your Schengen visa application.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additional benefits of choosing April International include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for as little as one month and up to one year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to private medical facilities of your choice across 2 million providers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Local teams and experts offering assistance in multiple languages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage in over 180 countries<\/span><\/li>\n<\/ul>\n<h3><b>AXA<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> offers top-rated cruise, Schengen, domestic, and international insurance plans for all types of travelers to Germany. Their international travel insurance plans come in three tiers: Silver, Gold, and Platinum, with their Gold and Platinum plans being Schengen eligible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some benefits across all international plans include:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip delay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed connection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency accident and sickness medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage delay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage and personal effects<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Travelers who choose the Gold plan can expect coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation coverage up to 100% of the trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption coverage up to 150% of trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip delay coverage up to $200 per day with a $1,000 maximum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed connection coverage up to $1,000<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency accident and sickness medical expenses up to $100,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical evacuation up to $500,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-medical emergency evacuation up to $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment up to $25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Common carrier accidental death and dismemberment up to $50,000<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage delay up to $300<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage and personal effects up to $1,500<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Travelers who choose the Platinum plan can expect coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation coverage up to 100% of trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption coverage up to 150% of trip cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip delay coverage up to $300\/day for a $1,250 maximum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed connection coverage up to $1,500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency accident and sickness medical expenses up to $250,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical evacuation up to $1,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-medical emergency evacuation up to $100,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment up to $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Common carrier accidental death and dismemberment up to $100,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage delay up to $600<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage and personal effects up to $3,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost skier days up to $25 per day<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost golf rounds up to $500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sports equipment rental up to $1,000\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Optional benefits include rental car coverage,<\/span><i><span style=\"font-weight: 400;\"> cancel for any reason<\/span><\/i><span style=\"font-weight: 400;\"> coverage, and more.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-34' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_5.jpg\" alt=\"Blog Banner Europe 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>Blue Cross Blue Shield Global<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">United States citizens planning their German getaway should consider <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global<\/span><\/a><span style=\"font-weight: 400;\">\u2019s Voyager and Trekker plans. The BCBS Voyager plan covers single trips up to 182 days while the Trekker plan offers coverage for an unlimited number of trips within a one-year policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global offers Schengen-compliant plans. Compare nonmedical benefits across the Voyager and Trekker plans below:<\/span><\/p>\n<p><b>Blue Cross Blue Shield Global Plans Non-medical Benefits Comparison (USD)<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Voyager (Single Trip)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Trekker (Multiple Trips)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Accidental Death &amp; Dismemberment Maximum Benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Family Travel Arrangements<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500 for one economy round-trip plane ticket<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500 for one economy round-trip plane ticket<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hazardous Activities (downhill skiing or scuba diving within certain parameters)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000 maximum claim amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000 maximum claim amount<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Post-Departure Trip Interruption Transportation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 maximum benefit amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Post-Departure Trip Interruption Quarantine Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lodging &amp; incidentals of $50 per day, 10 days maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Lost Baggage &amp; Personal Effects Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum benefit of $500 per trip, $100 per bag\/item<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum benefit of $500 per trip, $100 per bag\/item<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repatriation of Remains<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000 maximum benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$25,000 maximum benefit<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>MSH International<\/b><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/msh-international-insurer\/\"><span style=\"font-weight: 400;\">MSH International<\/span><\/a><span style=\"font-weight: 400;\"> is a European-based partner offering some of the best travel insurance for visitors to Germany, with both long-term and short-term medical plans available.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their short-term international travel insurance covers basic medical emergencies, while their international health insurance policy offers customizable benefits for high levels of medical coverage, including maternity or dental care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their Start\u2019Expat plan is their basic short-term plan, and you can compare benefits within that plan below.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>Start\u2019Expat Healthcare Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Non-medical Travel Benefit<\/b><\/td>\n<td><b>Coverage Limit<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Flight Delay Leading to a Missed Connection<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payment of a fixed amount of USD $320<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">(only for technical reasons or due to weather conditions)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Theft, Total or Partial Destruction, or Loss of Luggage During Transportation by a Carrier<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,160 ($27 deductible\/suitcase) limited to 50% for valuables<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical or Surgical Hospitalization<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100% of costs<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Consultations with General Practitioners and Specialists<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100% of costs (up to USD $86 per procedure beyond 2 consultations)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pharmaceutical Costs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,200<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Why Buying Travel Insurance Makes Sense<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Travel insurance is always recommended since <\/span><b>the cost of unexpected accidents can far exceed the cost of travel insurance<\/b><span style=\"font-weight: 400;\">. Without insurance coverage, vacationers in Germany must pay out of pocket for any medical treatment they receive, and payment without insurance can be financially overwhelming.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Traditional travel insurance also helps you vacation abroad without worry because you know that you have the financial backing for your trip needs and any accidents that arise\u2014allowing you to enjoy your trip even more.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-67' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Europe.png\" alt=\"Insurers recommendation blog banner Europe v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Europe - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Europe\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><b>Steps to Purchase Travel Insurance for Germany<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">purchase a comprehensive travel insurance plan<\/span><\/a><span style=\"font-weight: 400;\">, follow each of the steps below:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consider your needs:<\/b><span style=\"font-weight: 400;\"> Do you need to meet certain visa requirements? Will you travel for more than 90 days? How extensive is your budget? Do you want traditional travel insurance as well? How much medical coverage do you need?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Research plans:<\/b> <a href=\"https:\/\/www.pacificprime.com\/blog\/top-germany-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">Browse top insurance providers<\/span><\/a><span style=\"font-weight: 400;\"> or seek out help from an insurance broker to find the best plan for your needs and budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compare quotes:<\/b><span style=\"font-weight: 400;\"> Whether you research on your own or utilize professional help, compare quotes from each provider. For a simple solution, check out our <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">free quote tool<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Apply for coverage:<\/b><span style=\"font-weight: 400;\"> Applying for coverage as soon as possible. This ensures eligibility for top benefits. Be prepared to offer the destination and length of your trip, health information like age or pre-existing conditions, and planned trip activities.<\/span><\/li>\n<\/ol>\n<h2><b>Other Insurance Options for Germany Travelers<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You may want to purchase <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> or short-term insurance if you plan to travel extensively or if you need extra medical coverage beyond what is commonly available in travel medical insurance plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember that if you have a European Health Insurance card (or Global Health Insurance card, for UK citizens), you may also be eligible for emergency medical care in Germany.<\/span><\/p>\n<h3><b>Using the European Health Insurance Card in Germany<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F34441?lang=en\"><span style=\"font-weight: 400;\">European Health Insurance Card<\/span><\/a><span style=\"font-weight: 400;\"> guarantees that you can receive medical treatment in any EU member states, Iceland, Liechtenstein, Norway, Switzerland, and the United Kingdom as though they were citizens.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That means that travelers in Germany who have an EHIC card can receive care at public (or state) medical facilities and while paying the same as German citizens. This can significantly decrease the cost of medical care. Note that this coverage is only for unanticipated medical emergencies.<\/span><\/p>\n<h3><b>Global Health Plans for Germany Visitors and Expats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">International health insurance provides the most comprehensive coverage for individuals living away from their home country or for those traveling widely. These plans offer expats a wide selection of globally portable benefits that can be customized to their lifestyle.\u00a0<\/span><\/p>\n<h3><b>Short-Term Medical Insurance Plans for Germany<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most short-term insurance covers preventative care, emergency care, urgent care, and medical tests, and some offer discounts on medications. They are not as comprehensive as international plans and don\u2019t often cover pre-existing conditions, mental health services, maternity care, or substance abuse.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-61' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-europe-bg.png');\n\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Europe -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-europe-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Europe<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 70px; height: 70px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton eurecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Europe ends --><\/div>\n<\/span><\/p>\n<h2><b>Key Travel Tips for Visiting Germany<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29553 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies.webp\" alt=\"Image of Frankfurt Skyline With Glass Towers Lining The Riverfront Under Clear Skies with text overlay of &quot;Key Travel Tips for Visiting Germany&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/frankfurt-skyline-with-glass-towers-lining-the-riverfront-under-clear-skies-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/traveladvisories\/traveladvisories\/germany-travel-advisory.html\"><span style=\"font-weight: 400;\">Increase caution during travel<\/span><\/a><span style=\"font-weight: 400;\"> in Germany due to terrorism and civil unrest, even though Germany is generally considered a safe destination to visit. Beyond general safety guidelines, make sure to follow the guidance below for a wonderful, safe trip:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Carry your passport at all times:<\/b><span style=\"font-weight: 400;\"> Remember that it\u2019s illegal to be without identification in Germany, so always carry your passport.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Purchase train tickets ahead:<\/b> <i><span style=\"font-weight: 400;\">Sparpreis<\/span><\/i><span style=\"font-weight: 400;\"> are the most cost-effective train fares, and while they are made available far in advance, they often sell out quickly. Especially if you plan to travel during peak tourist season, buy your tickets far in advance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Purchase a universal power adapter:<\/b><span style=\"font-weight: 400;\"> Germany uses two plug types\u2014C and F\u2014and operates on a 230V supply voltage and 50Hz.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Know German emergency numbers:<\/b><span style=\"font-weight: 400;\"> Call 112 for ambulance and medical emergency services, from fires to accidents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Maintain up-to-date vaccines:<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/wwwnc.cdc.gov\/travel\/destinations\/traveler\/none\/germany\"><span style=\"font-weight: 400;\">CDC<\/span><\/a><span style=\"font-weight: 400;\"> suggests that all travelers be up to date on routine vaccines such as chicken pox, flu, measles, polio, and shingles as well as other vaccines like COVID-19, hepatitis A and B, and rabies.<\/span><\/li>\n<\/ol>\n<h2><b>Benefits of Using a Broker for Germany Insurance<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html#:~:text=Why%20Expats%20and%20Travelers%20Should%20Use%20a%20Broker%20to%20Buy%20Insurance\"><span style=\"font-weight: 400;\">Using a broker<\/span><\/a><span style=\"font-weight: 400;\"> helps you to secure the best travel insurance for your needs in Germany. Brokers can save you time by gathering and presenting only the plans that fit your budget and specifications, and they can save you money by using their unbiased expertise to find the best deals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers act as intermediaries between you and insurance providers: they use their expertise to scout out the best plans and to even help you submit claims once you\u2019ve picked a plan. Let Pacific Prime help you find the right Germany insurance plan for your budget and needs. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> to learn more.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>Is travel insurance required for Germany?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You must only purchase travel insurance for Germany if you also require a Schengen visa to enter the country. If you visit Germany for more than 90 days, you must have sufficient medical coverage, which you may purchase through travel medical insurance or international health insurance.<\/span><\/p>\n<h3><b>When is the best time to buy travel insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Purchase travel insurance as soon as you know your trip itinerary. Purchasing travel insurance right away makes it more likely that you will qualify for top benefits, like <\/span><i><span style=\"font-weight: 400;\">cancel for any reason<\/span><\/i><span style=\"font-weight: 400;\"> coverage.<\/span><\/p>\n<h3><b>Is travel in Germany safe?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel in Germany is considered quite safe, though terrorist attacks are possible. Travelers should follow all normal safety precautions, such as keeping personal items close to your body, avoiding public demonstrations, and avoiding solo travel at night.<\/span><\/p>\n<h3><b>What is a Schengen visa?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A Schengen visa is a short-term permit that allows travelers to visit any country within the Schengen area (mostly EU countries) for 90 days within a 180-day period. This visa is required for citizens of some countries.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Conclusion: Find the Perfect Coverage for Germany<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Consider purchasing comprehensive travel insurance or international health insurance for your trip to Germany to ensure that any accidents you may have during your trip are covered. Those who are required to use a Schengen visa must purchase travel insurance to enter Germany.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime has over 20 years of experience, and we are ready to help you find the perfect travel insurance plan for your budget and needs as an expat or visitor to Germany.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our experts can provide free quotations, leverage our partnerships with all major insurers, and scour our extensive portfolio to offer you the best plans. Try our <\/span><a href=\"https:\/\/health.pacificprime.com\/ALP\/general\/R\/pg1?mtch=p&amp;kwds=pacific%20prime&amp;cmid=13071692362&amp;dgid=127509589412&amp;kwid=kwd-303749081929&amp;dvce=c&amp;crtv=549937214290&amp;adps=&amp;netw=Search&amp;gad_source=1&amp;gclid=Cj0KCQiAx9q6BhCDARIsACwUxu4R8yo2_tRJlCnQphyKbvzNlYO1dglxU0O6CHgeCJkXOz5ZcBjHfOEaAmBFEALw_wcB\"><span style=\"font-weight: 400;\">free quote tool<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us-redirect\/\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> today to prepare for your once-in-a-lifetime getaway to Germany!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re considering visiting other destinations in Europe, check out our articles on the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/spain-travel-insurance-guide.html\"><span style=\"font-weight: 400;\">best travel insurance plans for a trip to Spain<\/span><\/a><span style=\"font-weight: 400;\">. Also, take a peek at our guide comparing the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-travel-insurance-uae-provider-comparison.html\"><span style=\"font-weight: 400;\">best travel insurance in the UAE<\/span><\/a><span style=\"font-weight: 400;\"> to get you ready for another dream vacation.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Travel insurance is required for travelers entering Germany with a Schengen visa. Even for those who don\u2019t need a visa, having travel insurance is strongly recommended to avoid high medical expenses or disruptions during the trip. Germany requires Schengen visa holders to have travel insurance with at least \u20ac30,000 of medical coverage, repatriation, and protection &#8230;<\/p>\n","protected":false},"author":93,"featured_media":29551,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217,208],"tags":[],"class_list":["post-20004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Complete Guide to Travel Insurance in Germany<\/title>\n<meta name=\"description\" content=\"Ensure your Germany trip is covered with the right travel insurance. Learn about Schengen visa rules and top insurance plans and providers in one easy guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/germany-travel-insurance-guide.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Complete Guide to Travel Insurance in Germany\" \/>\n<meta property=\"og:description\" content=\"Ensure your Germany trip is covered with the right travel insurance. Learn about Schengen visa rules and top insurance plans and providers in one easy guide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/germany-travel-insurance-guide.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-24T11:34:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-24T14:04:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/berlin-cityscape-with-riverside-bridge-leading-toward-urban-skyline.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1244\" \/>\n\t<meta property=\"og:image:height\" content=\"700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Grace Dandan\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Grace Dandan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html\"},\"author\":{\"name\":\"Grace Dandan\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/0b827657eb8998e02e3291af29fd7340\"},\"headline\":\"A Complete Guide to Travel Insurance in Germany\",\"datePublished\":\"2026-03-24T11:34:09+00:00\",\"dateModified\":\"2026-03-24T14:04:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html\"},\"wordCount\":3032,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/berlin-cityscape-with-riverside-bridge-leading-toward-urban-skyline.webp\",\"articleSection\":[\"Insurance\",\"Travel\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html\",\"name\":\"A Complete Guide to Travel Insurance in Germany\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/germany-travel-insurance-guide.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/berlin-cityscape-with-riverside-bridge-leading-toward-urban-skyline.webp\",\"datePublished\":\"2026-03-24T11:34:09+00:00\",\"dateModified\":\"2026-03-24T14:04:15+00:00\",\"description\":\"Ensure your Germany trip is covered with the right travel insurance. 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