Foreign travel — reliable protection when travelling. Even if you have German health insurance (GKV or PKV), it often only covers basic expenses outside of Germany.
Clearance at customs Travel insurance will help:
- avoid financial losses due to illness or injury;
- compensate for expenses in case of trip or travel cancellation;
- get help in emergency situations abroad;
- meet the visa requirements of some countries.
Table of contents
Types of insurance Travel insurance
In 2025, travel insurance includes four main areas:
Travel insurance – medical insurance
- Covers medical treatment and repatriation
- Suitable for all tourists
Trip-Unfallversicherung - an accident
- Covers serious injuries, search and rescue, transportation
- Suitable for active travelers
Trip cancellation – trip cancellation
- Covers trip cancellation compensation
- Suitable for anyone who books in advance
Reise-Gepäckversicherung – luggage
- Covers loss, theft and damage to luggage
- Suitable for all frequent flyers
Reisekrankenversicherung - health insurance
This insurance is essential for a stress-free trip and covers:
- outpatient and inpatient treatment;
- dental care;
- medicines and dressings;
- transportation to the hospital and back to Germany;
- search and rescue operations in emergency situations;
- assistance in personal emergencies (illness, loss of travel funds, or criminal prosecution), as well as information services.
Important:
- GKV only covers treatment at European rates and does not pay for repatriation;
- Outside the EU, all costs are borne by the tourist unless there is additional insurance.
Travel medical insurance is valid for all types of trips, including business trips. There are often two rates: one that covers the entire world, including the US and Canada, and one that does not. I recommend paying attention to this when purchasing travel medical insurance.
Usually, you can choose between single trip insurance or an annual rate. The family package includes spouses/partners and children (the insurance company itself determines the age limit for children).
Safety is a top priority during active recreation. For such trips, we have collected special rates from insurance companies, including good coverage for evacuation and rescue. Read more in the article:
The best offer for travelers
- The amount of coverage is not limited
- No franchise
- People living in Germany can be insured
- Age of the insured person up to 100 years
- Additionally, you can include your spouse/partner, children under 26 years of age in the insurance,
- Annual policy up to 1 year (maximum 65 days per 1 trip)
Health insurance includes:
- Outpatient treatment, including ambulance transport and rehabilitation
- Inpatient treatment, including an accompanying person for children under 18 years of age
- Urgent dental treatment with simple materials
- Medicines and dressings
- Emergency cases during pregnancy (premature birth, miscarriage, threatened pregnancy), as well as preventive examinations if pregnancy occurs after the start of the trip
- Search and rescue up to 15000 euros
Personal experience
Tariff: SingleTRAVEL
- The amount of coverage is not limited
- People living in Germany can be insured
- The age of the insured person is not limited (after 99 years it is calculated individually – submit a request for a conclusion)
- Additionally, you can include many relatives in the insurance, even those who do not live together.
- Annual up to 1 year, maximum 56 days for 1 trip
- Coverage for more than 56 days is possible if the return journey is not possible without a health risk.
- Consideration of applications for an insurance event up to 7 working days
Separately, a Reiseversicherung can be concluded:
- Accident (disability up to 50000 euros)
Trip-Unfallversicherung - Trip cancellation
Travel cancellation insurance - Responsibility
before third parties
Reise-Haftpflichtversicherung - Luggage (up to 4000 euros)
Reise-Gepäckversicherung
To conclude additional insurance packages, in addition to medical insurance, send us your application.
The best offer for active sports
- The amount of coverage is not limited
- People living in Germany can be insured
- The age of the insured person is up to 64 years
- Additionally, you can include a spouse / partner in the insurance, up to 6 children, cohabitation is optional
- Annual up to 1 year, maximum 56 days for 1 trip
- Single trip up to 90 days
- Repair, replacement, rental of sports equipment up to 1000 euros,
- Cancellation of events up to 1000 euros per person,
- Search, rescue and recovery up to 5000 euros. Sport and Aktiv Versicherung
- Medical insurance
(unlimited amount; search and rescue up to 10000 euros)
Travel Health Insurance - Accident (disability up to 30000 euros)
Trip-Unfallversicherung - Trip cancellation
Travel cancellation insurance - Liability to third parties
Reise-Haftpflichtversicherung - Luggage (up to 6000 euros)
Reise-Gepäckversicherung
For travel up to 5 years
Coverage for necessary medical care abroad and transportation back to your home town:
Up to 365 days a year without any franchise.
Before 5 years with a deductible of 25 euros.
- Preventive examinations and childbirth – 250,00 euros for each insured event.
- Reimbursement for the cost of medical supplies prescribed by a doctor as a result of an accident, 100%
- Reimbursement for dental prosthetic expenses due to an accident (max. EUR 500,00)
- Compensation for inpatient treatment for a maximum of 14 days, 50,00 euros per day.
- The one-time benefit for outpatient treatment is 25,00 euros.
- Replacement of daily hospital expenses, maximum 30 days, €50,00 per day.
- Repair of existing medical devices, up to 250,00 euros per insurance year.
For travel up to 365 days a year
Tariff: Einzelpolice
- Coverage for necessary medical care abroad and for transportation back to your home town (up to €5000 from the EU, up to €10000 from other countries) no franchise.
- For long journeys up to 365 days a year.
- Reimbursement of the cost of medicines and medical supplies.
- Dental treatment and fillings, but without implantation.
- Compensation for inpatient treatment is 30 euros per day.
- One-time benefit for outpatient treatment in the amount of 25,00 euros.
- Medical devices (crutches, walkers, etc.) necessary for medical reasons in a simple version.
- Hospital allowances (Krankentagegeld and Krankenhaustagegeld) and outpatient care benefits are NOT included.
Travel insurance - accident protection
- Payment of a lump sum benefit in case of disability;
- Emergency transportation or repatriation in a medical emergency during travel;
- Accident recovery costs;
- Telephone costs if you contact the help desk to arrange repatriation.
This insurance is relevant for all those who lead an active lifestyle. And it is especially useful for skiing, diving and adventure tours.
Reisegepäckversicherung — baggage insurance
Baggage insurance covers up to €6000:
- the full value of the lost items;
- expenses for repair or replacement of damaged items;
- compensation for the purchase of necessary items before the arrival of luggage in case of its delay;
- covering the cost of stolen items.
Reiserücktrittsversicherung — trip cancellation
Allows you to get your money back for a trip if:
- illness or accident;
- death of a close relative;
- loss of a job or a postponed exam.
Trip cancellation insurance is definitely useful for families with small children. Family trips are usually planned in advance and are expensive. If the children suddenly fall ill right before departure, Reise-Rücktrittsversicherung will help out the family budget.
Reiseprivathaftpflichtversicherung — protection against damage to third parties
Civil liability insurance will cover damage in unpleasant situations:
- Accidentally broke someone else's thing at the hotel;
- Injured another vacationer;
- Someone else's smartphone was drowned or damaged.
Tip: if you already have Privathaftpflichtversicherung, then you do not need to purchase additional travel insurance.
I recommend connecting a regular one third party damage insurance (Privathaftpflichtversicherung). This is the most necessary and popular additional insurance in Germany, which, in most cases, is valid throughout the world.
Travel insurance validity period
|
Annual tariff
|
Tariff with a specific number of days
|
|---|---|
|
Valid all year round, even if the trip to a neighboring country is for 2-3 days
|
Payment for each day
|
|
Unlimited rides
|
Can be cancelled if the trip is cancelled
|
|
Cheaper than buying insurance for each trip
|
More expensive for frequent travelers
|
Table: Validity of travel insurance (Reiseversicherung)
Please note that annual insurance can only be terminated after one year from the start of the contract.
Actions in an emergency
If an insured event occurs during your trip, proceed as follows:
- Contact your insurance company
- Inform:
— address of residence and contact phone number
- contacts of doctors, hospital or police
- description of circumstances and evidence
— policy number and travel dates - In case of theft, contact your local police immediately.
- In case of hospitalization or repatriation, agree on expenses with the insurer and only then sign the papers with the hospital.
If you have health insurance, in most cases you don't need to contact the insurance company. You just pay the necessary bills, without approval, and then send them to the insurance company for a refund.
Advantages of Reiseversicherung
We recommend taking out travel insurance to:
- Avoid high costs for treatment abroad;
- Get a refund for a cancelled trip;
- Receive compensation for lost luggage;
- Travel calmly and confidently.
Frequently asked questions about Reiseversicherung
No, but we recommend it, especially for trips to countries with expensive medicine.
EU only and at local rates. Repatriation not covered.
If you travel more than twice a year, an annual rate is more cost effective.
Yes, most insurers offer online registration.
Travel Insurance
In this video, we explain why you need a Reiseversicherung (Residence Insurance) and how travel insurance works.
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