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Travelling to Germany? Check Out the Best Travel Insurance for Your Trip

Germany is one of the most popular countries in the world in terms of tourism. As per the report by the World Tourism Organization, Germany was the world’s eighth most-visited country in 2019 with 39 million foreigners visiting. The country’s rich history, ancient architecture and breathtakingly beautiful locations make it a preferred destination amongst foreign tourists. Not just with vacationers, Germany is also a top choice amongst international students for higher studies.

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Plans for an individual of 30 years age travelling to USA for 15 days

Germany is a great place to go for a holiday. You can explore historical sites, such as Brandenburg Gate, the Holocaust Memorial, Berlin Wall, etc. and check out majestic castles, such as Neuschwanstein Castle, Heidelberg Castle and Hohenzollern Castle. You can scan through the Christmas markets or go street shopping. The country is also known across the world for its festivals, including the Oktoberfest, Handel Festival, Cologne Literature Festival and Berlin International Beer Festival. If you happen to visit this European country during the winters, you can enjoy cross country skiing as well as other winter sports.

Risks That You Can Face in Germany

Everyone goes on a vacation to relax and spend some leisure time. The last thing you would want on your trip to Germany is unpleasant surprises that you would spoil your trip and may cause financial losses. As much as you won’t like it, anything wrong can happen anytime irrespective of whether you are in India or Germany. Although Germany has been ranked 16th for safety and peace as per the Global Peace Index 2020, here are some risks that you may face during your trip to Germany:

  • Accidents
  • Theft
  • Pickpocketing
  • Bag snatching
  • Travel scams, such as fake train inspectors
  • Beggar

Why do You Need Travel Insurance for Your Trip to Germany?

Enjoying your trip to Germany while staying away from all kinds of risks is what you would want. However, you cannot eliminate these risks and be sure of not encountering any problems during your trip. The best thing to do is to stay adequately prepared for all kinds of unpredictable risks with the help of a travel insurance Germany plan

A travel insurance Germany plan provides financial safety to a traveller against any unforeseen risks encountered during his/ her trip to Germany. It ensures that the travel insurance company of the insured provides coverage for the financial losses that he/ she may incur before or while travelling to Germany. Right from your medical expenses to losses due to flight-related adversities, your travel insurer will pay for them if you had purchased a travel insurance policy before commencing your trip to Germany.

For instance, you meet with an accident in Germany while crossing the road. You get injured and get hospitalized in a German hospital for a few days. In this situation, you will incur a huge medical bill as healthcare in Germany is quite expensive. But if you have a travel insurance Germany plan, you do not have to worry about your medical bills as it will be taken care of by your travel insurer.

Travelling to Germany without travel insurance is not an option. This is because carrying an international travel insurance policy is mandatory for all Indians arriving in Schengen countries, including Germany. Without a valid travel policy, you will not be issued a Schengen visa to travel to Germany.

Essential Covers That Every Best Travel Insurance for Germany Should Have

Travel insurance is a must to visit Germany. You can easily find a travel insurance Germany plan to financially secure your trip. In India, several insurance companies offer travel insurance plans for people visiting Germany, which makes it rather confusing to choose the best from the lot. You must compare travel insurance plans by various insurers to choose a plan that best suits your travel needs. The comparisons should be made on the basis of policy coverage as well as the premiums.

Take a look at some essential covers that the best travel insurance Germany plan should offer. Make sure to opt for a policy that offers most of the following covers without overshooting your budget:

Emergency Medical Expenses

Medical facilities in Germany is expensive and getting a minor medical treatment can upset your trip budget. In case you get sick in Germany, this travel insurance cover will enable your insurer to cover your medical expenses. Most travel insurers come with cashless treatment facilities that will allow you to avail medical treatment in Germany without the need for paying the bill. You must keep the cashless treatment facility in mind when you will compare travel insurance Germany plans for your trip.

Loss of Passport

While in Germany, you may accidentally misplace or lose your passport. It may also get stolen along with your other belongings. In such a case, the loss of passport cover will ensure that your insurance provider helps you to obtain the duplicate copy or apply for a new passport. The expenses involved in doing so will be covered by your insurer.

Emergency Dental Expenses

Trying different kinds of food in Germany may lead to sudden tooth pain. In case the pain needs the urgent attention of a dentist, you may have to shell out a lot of money. But if your travel insurance comes with emergency dental expenses cover, your insurer will pay for your dental treatment expenses.

Personal Accident

Accidents can happen even in Germany. In case you meet with an accident during your trip and get injured, you will have to take medical treatment or get hospitalized. The personal accident cover will enable your insurer to pay for the treatment expenses arising out of accidental injuries.

Medical Evacuation

The best travel insurance plan also comes with a medical evacuation cover. This cover ensures that your insurance company arranges for your evacuation to the nearest hospital in case you get stuck at a place and are in dire need of medical attention. The insurer will cover the expenses involved even if you need rescuing via air.

Hijacking Benefit

You may become a victim of flight hijacking while travelling to Germany. In case your flights get hijacked en route Germany for more than a certain number of hours, the hijacking cover will ensure that your insurance company provides you with distress allowance as compensation.

Hospital Daily Cash Allowance

When you get hospitalized, you tend to incur miscellaneous expenses on things, such as food, toiletries, etc. These expenses can impact your trip budget. To take care of these expenses, travel insurance companies offer hospital daily cash allowance cover, provided you are hospitalized for more than a certain number of days.

Trip Delay

An emergency does not consider your travel plans before dropping in. If an emergency makes it difficult for you to continue with your plan and you are forced to delay your Germany trip, the trip delay cover can come to your rescue. It will compensate for the losses that you will incur for cancelling and rebooking your flights and hotel stay.

Medical & Body Repatriation

When you compare travel insurance Germany plans, look for medical & body repatriation cover. With this cover, your insurer will be responsible for repatriating your mortal remains back to your family in India.

Personal Liability

In case you unintentionally end up damaging the property of a third party or injuring someone, the personal liability cover will help you out. It will enable your insurer to pay compensation to third parties on your behalf.

Accidental Death & Disability

Some accidents may lead to disability or death. In case you meet with an accident in Germany that causes your death or disability, your insurer will pay compensation under the accidental death & disability cover.

Delay/ Loss of Check-in Baggage

Often check-in baggage gets misplaced or lost by the airlines. In case your check-in baggage gets delayed for more than a certain number of hours while travelling to Germany, this travel insurance cover will reimburse any expenses that you incur on essentials. In case your check-in baggage is lost by the airline, your insurer will compensate for your losses under this cover.

Trip Cancellation & Interruption

In case a sudden emergency makes it difficult for you to continue with your trip to Germany, the trip cancellation & interruption cover will enable your insurer to reimburse the losses incurred on cancelling your flights and hotel stay. Similarly, if an emergency in India forces you to curtail your Germany trip and return back, this cover will compensate for the losses incurred.

Tips to Choose the Best Travel Insurance for Germany?

Here are a few tips to choose the best travel insurance for your Germany trip:

  • Compare travel insurance plans online before choosing your ideal policy.
  • Consider the age of all your travel companions and choose a plan accordingly. For example, people above 60 years should opt for senior citizen travel insurance plan.
  • Keep the purpose of your trip in mind before choosing a travel insurance Germany plan. For example, people travelling to Germany to study can opt for student travel insurance plans.
  • Choose a travel plan as per the duration of your trip. For example, people travelling frequently to Germany can opt for a multi-trip travel insurance plan.

In a Nutshell

Travel insurance is important to take care of any unforeseen adversities during your Germany trip. It provides you with financial security against any emergencies and allows you to enjoy your trip without any worries. However, make sure to compare travel insurance Germany plans online before you choose the best plan for your trip.

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