Travel insurance for Germany

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Last updated 11 April 2024

Do I need travel insurance for Germany?

You should consider travel insurance for every single trip overseas, no matter your destination. While the decision to purchase a travel insurance plan is completely up to you, keep in mind that travel insurance for Germany may provide assistance or reimbursement for incidents that can derail your getaway.

Without insurance, you may have to bear the cost for any incidents yourself.

Expert tips for choosing the right travel insurance for Germany

Before jumping on a plane for Berlin, you should make sure you’ve packed your travel insurance. Compare the Market’s Executive General Manager of General Insurance, Adrian Taylor, has some top tips for helping you get the most out of your travel insurance for Germany.

Adrian Taylor
Executive General Manager – General Insurance

Decide what benefits you want included in your policy

Consider all the things you need cover for while you’re in Germany; medical expenses, trip cancellation fees, luggage and rental vehicle excess are all inclusions you could benefit from while travelling. With all this in mind, make sure you look for a policy that suits your holiday needs.

Declare your pre-existing medical conditions

Always declare any pre-existing medical conditions when you sign up for a travel insurance. In doing so, your insurer will assess your personal circumstances and may cover you (usually for an additional premium), which will help make sure there are no surprises if you become ill or are injured while travelling.

Look for the COVID-19 icon when comparing

COVID-19 (coronavirus) cover may be available in some top tier policies. When you compare travel insurance quotes on our website, look for the COVID-19 icon to see which policies offer cover for COVID-19. This may include cover for cancellations, rescheduling plans and medical costs if you test positive for COVID-19, depending on your policy.

What should my travel insurance for Germany include?

Here are a few standard things to look for in your travel insurance cover if you’re headed to Germany. Remember to review your policy’s Product Disclosure Statement (PDS) to know exactly what you are and aren’t covered for, as well as the Target Market Determination (TMD) to check your suitability for a policy.

Medical expenses

Delays and cancellations

Theft, loss or damage of personal belongings

Ski trips and adventurous activities

Exclusions for travel insurance for Germany

Take advantage of travelling around the Schengen Area

Man skiiing in Germany with travel insurance

When you visit Germany, you likely won’t have to submit a visa application. Germany is part of the Schengen Area, one of the 27 Schengen countries in Europe that allow Australians to visit for up to 90 days without a visa when travelling for leisure. A few popular tourist destinations that fall under the Schengen Area include Switzerland, Belgium, France, Italy, the Netherlands, Austria and more, so understanding the Schengen Area can be useful when planning the best travel itinerary.2

If you’re planning on visiting more than just Germany, check out our travel insurance guides for various international destinations.

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Smartraveller, Department of Foreign Affairs and Trade, Australian Government. Germany. Last updated January 2024. Accessed February 2024.

2 Smartraveller, Department of Foreign Affairs and Trade, Australian Government. Visa and entry requirements in Europe and the Schengen Area. Last updated February 2024. Accessed February 2024.