Germany features among the most beautiful countries in the Schengen region. A Schengen visa acts like a gateway to explore these fabulous countries and admire the beauty of Europe. German travel insurance is a crucial component as you embark on your German adventure, shielding against unexpected medical emergencies during your trip. Let us guide you through a detailed overview of Schengen Travel Insurance for Visitors and Tourists in Germany.
What is Germany Travel Insurance?
Germany Travel insurance is a mandatory travel document required while applying for a German tourist visa from the UAE. The minimum coverage for a Schengen travel insurance is 30,000 Euros, and it should be valid for the entire duration of your Schengen holiday. The travel insurance must cover the below:
- Unexpected Medical Emergencies and Expenses – Shields the traveler from high medical costs in the event of an unexpected case of illness or injury during your trip to Germany.
- Compassionate Cover – For all solo travelers who become ill and are hospitalized during their trip to Germany, certain travel insurance policies provide compassionate cover, which allows them to arrange for a close family member to accompany them during their hospitalization in Germany.
Purchasing Travel Insurance for Germany
Several insurance websites allow you to purchase travel insurance online. Download a copy and print the insurance certificate after purchase for submission to the German embassy or consulate in the UAE. The following companies offer the best travel insurance plans for your German holiday.
- AXA
- DR-WALTER (The most budget-friendly option)
- Allianz
- Mawista
- Europ Assistance
Several local insurance companies offer travel insurance for Germany. You can visit the office in person and purchase the same. The PROVISIT VISUM by DR-WALTER is the most recommended option for frequent travelers, as it offers a travel insurance plan valid for 180 days and fulfils all the essential Schengen insurance requirements. Each traveler has different travel requirements, and therefore, one insurance plan may not be the best fit for all travelers.
Key Features of the Travel Insurance for Germany
Germany travel insurance provides a financial cushion to protect you against any medical emergency that may arise during your trip to Germany, which could result in hospitalization. This travel insurance for Germany also covers losses due to baggage loss, luggage delay, passport loss, missed or delayed flights, and other related incidents. It is always advisable to financially protect yourself against any contingencies that can arise during your travel to Germany.
Types of Travel Insurance for Germany
Schengen travel insurance offers two types of travel insurance plans for travelers to choose from. The travel insurance Germany offers two types of travel insurance for Germany and the Schengen region. Both the insurances offer the same type of coverage for all travelers.
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Single-Trip Travel Insurance
This Germany travel insurance is specifically designed and valid for a single trip to Germany.
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Multi-Trip Travel Insurance
This Germany travel insurance is ideal for travelers who frequently visit Germany for tourism or business purposes.
Benefits of Purchasing Travel Insurance for Germany
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Mandatory Check for Visa Approval
This is one of the mandatory documents required for applying for a German tourist visa from the UAE. Your German visa is likely to be rejected if this document is not shared. Purchasing travel health insurance is always recommended, even if you do not require a visa to enter Germany, as immigration officials at German border controls may request it. Let this not be a reason for denying entry into Germany.
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Coverage for Sudden Medical Expenses
A medical emergency can be detrimental to your holiday plans. The Germany travel insurance protects you from high medical expenses in the event of any injury or illness that may require hospitalization. This should include medical prescriptions, doctor consultation charges, and ambulance and evacuation charges.
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Compensation for Delayed or Lost Luggage
Travel Insurance Germany helps you obtain compensation if your luggage is delayed, lost, or stolen during your travel.
What All Should be Covered in a Travel Insurance for Germany?
Travel Insurance for Germany and other Schengen regions should ideally cover the following:
- Hospitalization due to illness, accident, or any medical emergency
- Medical bills, including doctor consultation, pre- and post-hospitalization costs, and emergency room visits.
- Medical prescriptions
- Ambulance transportation, including medical evacuation
- Repatriation, in case of death
- Losses due to delayed or missed flights
- Trip cancellation due to unavoidable circumstances
- Loss of key documents, such as a passport
- Loss of other valuable documents and luggage
What Are the Exclusions in a Travel Insurance for Germany?
The Travel Insurance for Germany and other Schengen regions will adequately protect you against any medical emergency, lost luggage, or documents. However, the exclusions in the travel insurance are equally as important as the inclusions. The following are the exclusions that you may find in the travel insurance you purchase.
- Medical claims arising due to non-declared and non-disclosed medical conditions
- Medical expenses arising due to self-inflicted injuries
- Loss of a passport or valuable documents due to the traveler’s negligence or ignorance
- War or nuclear threat circumstances declaration in Germany
Tips to Purchase the Best Travel Insurance for Germany
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Research Insurance Providers
Search for reliable and authorized insurance companies offering travel insurance for Germany and other Schengen member states. All travelers must carefully assess the policies carefully and select the plan that fits their travel requirements.
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Compare Various Travel Insurance Plans
Always check for the best travel insurance plan that will maximize your coverage. At a basic level, it should cover medical expenses incurred during your trip, trip cancellations, loss of valuables such as your passport, and loss or delay of luggage.
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Complies with Schengen Insurance Requirements
The travel insurance plans purchased must comply with the Schengen insurance requirements and be without a deductible. All online-purchased travel insurance plans must provide an immediate confirmation and downloadable certificate.
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Read Customer Testimonials
Review the customer reviews and feedback shared by previous customers to analyse the quality of services offered by the insurance company and also the claim process. Also, consider the insurer’s claim settlement ratio before making a decision.
Do European Union (EU) Nationals Need Travel Insurance for Germany?
European Union citizens do not require a travel insurance for entering Germany. They can receive free medical treatment at any German public hospital or clinic by presenting their European Health Insurance Card (EHIC). However, the EHIC does not cover any medical treatment or program at a private German hospital, ambulance, evacuation services, or repatriation.
Conclusion
A Schengen travel insurance is mandatory for both visitors and tourists entering the Schengen region, including Germany. The travel health insurance provides holistic coverage for medical emergencies, medical treatments, trip cancellations, and unforeseen circumstances that may arise during your Schengen trip. Having adequate travel insurance provides travelers with peace of mind as it also meets the mandatory requirements for Schengen visa applications and safeguards them against any potential financial burden. Travelers must opt for the best travel health insurance plans that align with their travel requirements.