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Health insurance Schengen visa Germany, Travel health insurance Germany

Procedure to get the Instant German visa letter for application as required by the European consulates

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German visa insurance quote

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Before traveling to Germany, it is necessary to buy Schengen visa travel insurance to meet the Germany visa requirements. On American Visitor Insurance, you can easily buy the travel insurance online to get the visa letter to submit to the Germany consulate for your visa application. Once your travel insurance is purchased, you will receive the insurance details with the toll-free number, a virtual ID card, and the Schengen insurance letter for your visa application, which serves as proof of coverage.

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What are the different types of travel insurance for Germany?

Insure the health of the traveler due to accidental injuries or illness.

  • Germany travel medical insurance is ideal for travelers who want comprehensive coverage for their medical expenses.
  • It offers coverage for sudden hospitalization, medical expenses due to accidental injuries or illness.
  • It also offers coverage for pre-existing conditions, emergency medical evacuation.
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Insure your vacation expenses along with health of traveler.

  • Travel insurance for Germany is ideal for travelers who have invested a lot of money on a trip which is planned many months in advance.
  • It offers coverage when a trip is cancelled or interrupted due to unforeseen circumstances will protect travelers against financial losses. It will reimburse non-refundable costs like flights, hotels, cruise or tours bookings.
  • It also offers coverage for emergency medical expenses due to sudden sickness or injuries while on a trip.
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Insurance required while applying for Schengen visa for Germany.

  • Travel medical insurance for Germany visa is ideal for travelers applying for visa as it is mandatory to buy a 30,000 Euro medical insurance.
  • It offers coverage for sudden hospitalization, medical expenses due to accidental injuries or illness.
  • It also offers coverage for pre-existing conditions, emergency medical evacuation.
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Do I need travel insurance for Germany?

Travel insurance for Germany is mandatory if you need a Schengen visa and must meet specific coverage criteria. If you do not need a visa then travel insurance is optional yet it is still highly recommended due to potential high medical costs for foreigners.

Who needs to apply for Germany Schengen Visa?

Individuals who are not citizens of the European Union (EU), European Economic Area (EEA), or Switzerland and who plan to stay in Germany for up to 90 days within a 180-day period for tourism, business, or family visits need to apply for German Schengen Visa. This visa allows travel to Germany and other Schengen Area countries. Exceptions may apply depending on the nationality of the traveler, as some countries have visa exemption agreements with the Schengen Zone.

How to apply for a German Schengen visa?

To apply for a Schengen Visa to Germany, follow these steps:

  • Choose the correct visa based on your travel purpose (tourism, business, etc.)
  • Fill out the Schengen visa application form.
  • Gather required documents, including valid passport, travel insurance, proof of accommodation and financial means, flight reservation.
  • Book an appointment with the German consulate or visa center.
  • Submit your application, biometric data, and documents at the consulate.
  • Pay the visa application fee.
  • Processing usually takes around 15 days.
  • Pick up your approved visa from the consulate.

What are the Germany travel insurance requirements?

International travelers who needs a German visa will have to buy travel insurance satisfying German visa requirements:

  • Minimum coverage of at least €30,000 in medical expenses (about $50,000 USD)
  • Validity across all Schengen Area member states.
  • Coverage for medical repatriation and emergency medical care.
  • The policy must be valid for the entire duration of your stay.
  • Policy must have a $0 deductible with 100% coverage.
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Schengen visa insurance letter

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German visa travel documents

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Nationalities who need German visa

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How much does Germany Schengen travel insurance cost?

Europe Schengen travel insurance Cost in 2025

All the insurance plans listed below meet the Schengen visa requirements and are recognized by Schengen/EU embassies and consulates globally. Additionally, each provider allows you to download your Schengen visa letter on buying the policy. Travel medical insurance plans for Schengen countris can start at just $1 per day.

Insurance Plans Provider Network Cost* How to download Visa letter
Atlas International WorldTrips United Healthcare Provider Network $8 WorldTrips insurance ID cards via Client Zone
Patriot International Lite IMG United Healthcare Provider Network $10 IMG insurance ID cards from My IMG
Atlas Premium International WorldTrips United Healthcare Provider Network $11 WorldTrips insurance ID cards via Client Zone
Safe Travels International Cost Saver Trawick International United Healthcare Provider Network $11 Trawick International insurance ID cards via Client Zone.
Travel Medical Global Choice Seven Corners United Healthcare Provider Network $11 Seven Corners insurance ID cards via Client Zone
Safe Travels International Trawick International United Healthcare Provider Network $15 Trawick international insurance ID cards via Client Zone.

* The average cost of travel insurance for Schengen visa per week for 25 years old traveler.

Which is the cheapest Germany Schengen visa travel insurance?

The cheapest travel insurance for Germany cost starts from just $10 for a week. Schengen visa insurance cost depends on factors, such as the provider, the length of stay, the applicant's age, and the level of coverage required.

What is the best travel insurance Germany visa insurance?

The best Germany visa travel insurance plans will vary from traveler to traveler depending on their unique needs. While some travelers will look for the cheapest Germany visa insurance cost specifically to satisfy the visa requirements, others will look for the most comprehensive Germany travel insurance coverage.

  • Coverage includes Emergency Medical Evacuation, Hospital Room and Board...
  • Policy maximum covers up to 1M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years
  • Provides comprehensive medical coverage, emergency evacuation, and repatriation...
  • Policy maximum covers up to 2M
  • Offers coverage for acute onset of pre-existing conditions for visitors aged under 79 years

Safe Travels International
Trawick International

  • Coverage includes travel delay, emergency medical evacuation, repatriation, emergency services...
  • Policy maximum covers up to 1M
  • Unexpected recurrence of a pre-existing condition is covered up to $20k for ages up to 65

Europe travel insurance for Senior citizens

Insurance for older travelers for visiting the Schengen countries

What does Schengen visa travel insurance for Germany cover?

  • Satisfies Visa requirements: Schengen visa insurance satisfies consulate requirements.
  • Medical evacuation: Emergency medical evacuation expenses to nearest available facility if needed.
  • Health care expenses: Covers emergency medical expenses for accidental injury or illness.
  • Repat of remains: Offers coverage for repatriation of remains expenses to home country in case of death.
  • Pre-existing conditions: Travel insurance offers coverage for acute onset of pre-existing conditions.

Travel insurance for Germany visa

If you are a non-U.S. citizen or a U.S. Green card holder traveling to Germany, you may need an German visa that satisfies Germany travel insurance requirements which are the Schengen visa requirements, depending on your nationality. Do check the specific requirements based on your citizenship. Travelers from the USA visiting Germany will in any event need to apply for a Schengen visa if their visit is for tourism, business, or family reasons and they plan to stay for up to 90 days. When applying for a visa to Germany (or any other Schengen Area country), travel insurance is a mandatory requirement. The purpose of this travel insurance for the Germany visa is to cover unexpected expenses related to medical emergencies, accidents, or trip disruptions during your time in Germany.

The policy must cover emergency medical expenses of at least €30,000 (around US $50,000). It must include coverage for emergency medical evacuation which is transporting you to the nearest hospital or even back to your home country if needed. The insurance must cover the entire period of your stay in the Schengen Zone, from the date you enter Germany until you leave. American Visitor Insurance offers international travel insurance that meets the Germany travel insurance requirements, providing the necessary proof of travel health insurance required when applying for an German visa. You can call us at (877)-340-7910 if you need any help to buy travel insurance for Germany which satisfies visa requirements.

Do US Green card holders need German visa?

US Green Card holders will need a German visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Green Card Holders travel insurance for Germany is required while applying for a German visa. US Green Card Holders can buy travel insurance to satisfy German visa requirements for their visa application on American Visitor Insurance.

Why should I buy Schengen visa insurance on American visitor insurance?

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Satisfy Schengen visa requirements to apply for visa

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Compare several plans to find what fits your needs best

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Travel medical insurance protection for health emergency

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Travel to Europe in peace with good insurance coverage

What are the factors for the cost of best travel insurance to Germany

The cost of German health insurance for travelers depends on the following:

  • Age of the traveler: The older the traveler, the more expensive the cost of travel health insurance to Germany.
  • The maximum medical coverage selected: The options range from $50,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
  • The selected deductible: A 'deductible' or ‘excess’ is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging from $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
  • The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid. The cheapest travel health insurance for Germany visa will have the highest co-insurance.
  • The Insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will vary for different underwriter.

How do I buy Germany visa travel insurance online?

search 1: Finding all available Germany visa health insurance plans

Complete the Germany Schengen visa insurance quote request form by providing details of the traveler and insurance requirements.

balance 2: Compare different visa insurance options

Compare the price and the benefits of the different German visa insurance options to identify what fits your needs best.

attach_money 3: Buy the Germany visa medical insurance and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

description 4: Review travel insurance for Germany & download visa letter

Review the insurance documents & download visa letter is required.

Travel health insurance for Germany
Age
Spouse's Age
Start Date
End Date
  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Sent immediately after purchase
  • Does not offers coverage for pregnancy
  • Acute onset of pre-existing condition coverage is available within the age of 70
  • Policy Maximum#1 
  • Deductible#2 
  • Schengen visa letter
    Available from client zone
  • Covers complications of pregnancy in the first 26 weeks of gestation
  • Acute onset of pre-existing condition coverage is available within the age of 79
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase
  • Covers Emergency Medical Treatment of Pregnancy
  • Covers unexpected recurrence of pre-existing conditions up to the age of 89 years
  • Policy Maximum#1 
  • Deductible#2 
  • Europe visa letter
    Sent immediately after purchase

#1  Policy Maximum is the maximum eligible medical expenses that the plan will cover.

#2  Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

#3  Europe travel insurance for US residents Click here to read more »

Which is the cheap Europe travel medical insurance?

What are the different types of German Visas?

1. Airport Transit Visa

For transiting through German airports without entering the country.

2. Schengen Visa (Type C)
  • Allows stays of up to 90 days within a 180-day period for tourism, visiting family, or business.
  • Subcategories include Tourist Visa, Business Visa, Family Visit Visa and Cultural/Sports Visa
3. Long-Stay National Visa (Type D)
  • For stays longer than 90 days, typically for work, study, or family reunification.
  • Subcategories include Employment Visa, Student Visa, Family Reunion Visa, Job Seeker Visa and Freelancer Visa
4. Medical Treatment Visa

For individuals seeking medical treatment in Germany.

5. Researcher Visa

For international scholars participating in research activities.

NEED HELP for Germany travel insurance?

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Is it mandatory to buy Long term Germany visa for US citizens

US citizens are advised to buy travel insurance for Germany even if it is not mandatory for short travel, it is mandatory only for travel of more than 90 days to Germany and need a travel visa.

Travel insurance with trip cancellation coverage will protect the traveler in the event of trip delay, cancellation of flights, loss of baggage as well as any medical emergency or accident that the US citizen can face while in Germany. Given the pandemic, some European consulates are in fact insisting on Covid quarantine travel insurance while issuing travel visas.

Some US citizens travel insurance plans also have the option of 'Cancel for Any reason' (CFAR) by providing a refund of up to 75% of the trip cost if one cancels the trip for any reason. Having reliable travel insurance will ensure that the travelers can recoup the trip expenses which can be significant in the case of cruises, airline ticketing and hotel reservations should they face adverse circumstances during travel.

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What is the health insurance requirement for Germany long stay visa?

US citizens who want to stay in any of the 29 Schengen countries for more than 90 days in a 180 day period need a Long Stay Visa. One of the requirements for this visa is proof of medical insurance with medical expenses coverage up to €30,000 (or the equivalent in US dollars) which is valid during the whole stay in the Schengen countries.

The insurance company should provide a visa letter stating coverage amounts for medical expenses, emergency medical evacuation and repatriation while in Europe (or 'unlimited' if there is no limit of coverage).

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What is the Germany travel insurance for older US travelers with Medicare coverage?

US senior citizens who have Medicare coverage should buy international travel health insurance while traveling outside the United States. Good travel health insurance is required since Medicare offers very limited coverage outside the US.

International travel always involves risks. This is especially true for older travelers and given that the costs of medical evacuation and health care outside the United States is expensive, buying good Medicare Supplemental international Travel insurance coverage is prudent.
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Travel insurance Germany visa - FAQ's

1. How can I get German visa medical insurance?

Travelers to Germany applying for the Schengen visa can buy German visa travel insurance on American Visitor Insurance. While it ironic to buy travel insurance Germany on American Visitor insurance, we offer several international travel insurance plans that specifically satisfy German visa requirements as mandated by Schengen state consulates. Our compare German visa insurance quote facility lists a range of cheap travel insurance that satisfy the German visa requirements. After buying travel medical insurance for Germany on our website travelers can immediately download the required visa letter to be used while applying for the German visa.

2. How much is Europe travel insurance for German visa?

The cost for the health insurance for German Visa depends mainly on the age of the traveler and the duration of coverage required. The older the traveler the higher will be the cost. The longer the duration of coverage required, the greater will be the cost of medical insurance for German visa. The German visa insurance application quote facility on our website lists the travel insurance that satisfy Schengen visa consulate requirements. You can find the cheapest health insurance for German visa on American Visitor Insurance.

3. What is the procedure to get a visa letter for Germany?

Germany visa medical insurance can be purchased online quickly and easily.
The traveler has to provide relevant information (age, travel dates, total amount of coverage desired) in a simple travel insurance for Germany visa form and click the 'get quote' button.

A list of affordable travel insurance plans with the premium (cost), medical coverage details, and the name of the underwriter will be displayed. The applicant can then buy the best Germany visa insurance plan they like by clicking on the corresponding 'BUY' button. Complete the simple application online and pay using a credit card.

On purchasing the Europe travel insurance for Germany , a traveler will be provided with the insurance details that include a toll free number, a virtual ID card, and a Germany visa letter that may be presented to the consulate as proof of coverage.

4. Who offers Schengen visa Insurance for Germany?

We work with many popular and top rated US insurance providers. These insurance companies offer best travel medical insurance coverage for Schengen visa. These Schengen visa insurance plans satisfy requirements as mandated by the consulate and offer comprehensive travel medical insurance coverage. The top insurance providers that offer popular Schengen visa insurance for Germany are International Medical Group, Seven Corners, WorldTrips and Trawick International.
            

5. What is covered under Germany visa travel insurance?

Best travel medical insurance for Germany visa covers the cost incurred from
  • Hospitalization expenses dues of sickness of injuries
  • Emergency medical evacuation
  • Repatriation of remains
  • Trip cancellation or interruption
  • Flight delay
  • Baggage delay or loss
  • Acute onset of pre-existing conditions
  • Maternity in first 26 weeks

6. Which are the EU countries that are not part of the Schengen region?

The following European countries are not part of the Schengen zone : Albania, Andorra, Armenia, Azerbaijan, Belarus, Bosnia & Herzegovina, Bulgaria, Cyprus, Georgia, Ireland, Kosovo, North Macedonia, Moldova, Monaco, Montenegro, Romania, Russia, San Marino, Serbia, Turkey, Ukraine, The United Kingdom and the Vatican.

7. What is the difference between European Union (EU) and the Schengen states?

The Schengen region is a travel zone of several European countries where citizens can travel freely within this region without a visa, while the European Union is an economic and political union of several European countries.

8. If my Germany visa is denied, can I cancel my travel insurance plan?

Yes, you can cancel your travel insurance plan if your Germany visa is denied. There should be full reimbursement if you cancel before the travel dates.

However, if you cancel after the start date, the premium may be refunded on a prorated basis with a cancellation fee, but only if no claims have been submitted.

It is important to carefully review the terms and conditions of the policy while buying it, and to contact the insurance provider if you have any questions or concerns. If you need to cancel your policy due to a visa denial, you may need to provide proof of your visa denial to the insurance provider.

9. Can I cancel my Schengen health insurance for Germany?

Yes, you can cancel your travel health insurance for Germany, but the terms and conditions and refund policy will vary depending on the insurance provider and the specific policy you purchased. If you ask for cancellation after the insurance start date, you may only receive a partial refund depending on how long you have had the policy and if you've already made any claims.

If you need to cancel your health insurance for Schengen visa Germany, you should contact your insurance provider directly to inquire about the cancellation process and refund policy.

10. Can I go to the doctor in Germany without health insurance?

Yes, you can cancel your Germany travel insurance, but the terms and conditions and refund policy will vary For international travelers, having travel health insurance for Germany is mandatory and required for visa purposes. To avoid financial strain, it is highly recommended to have health insurance for German visa coverage during your stay in Germany.

Travel health insurance Germany visa

Germany, a country in the heart of Europe, offers travelers a rich tapestry of history, culture, and natural beauty. Visitors can explore vibrant cities like Berlin, known for its dynamic arts scene and poignant historical sites, or Munich, famous for its beer gardens and stunning architecture. The picturesque countryside features charming villages, fairy-tale castles, and scenic routes like the Romantic Road. Germany's efficient transportation network makes it easy to discover its diverse landscapes, from the Bavarian Alps to the tranquil Rhine Valley.

Travel health insurance Germany

Renowned for its culinary delights, including sausages, pretzels, and a variety of beers, Germany provides a memorable experience for every type of traveler. The country welcomed over 39 million visitors, drawn by its rich cultural heritage, historic sites, and vibrant cities. Ensuring proper travel insurance to Germany is vital for these travelers to enjoy a worry-free experience while exploring all that Germany has to offer. Best Schengen travel insurance Germany is essential for international travelers to make sure they are covered in case of medical emergencies while abroad.

The German visa health insurance should include a minimum coverage of €30,000 (approximately $50,000 USD) for medical expenses, including emergency medical treatment and hospitalization. It should also cover emergency medical evacuation to the nearest appropriate medical facility and repatriation to the home country if necessary.

Best travel insurance for Oktoberfest

Oktoberfest is the most famous beer festival in the world. It is held annually in Munich, Germany, typically from late September to the first weekend in October. Oktoberfest attracts millions of visitors each year, making it one of the largest festivals in the world. On average, Oktoberfest draws about 6 to 7 million visitors each year. In some years, this number can exceed 7 million. Approximately 15-20% of attendees are from outside Germany, representing countries such as the United States, the UK, and various European nations.

travel insurance for Oktoberfest Germany

The festival attracts a diverse crowd, from young adults to families and seniors, creating a lively mix of cultures and backgrounds. These tourists come to enjoy the lively atmosphere, traditional Bavarian music, delicious food, and, of course, a wide variety of beers, mainly from Munich breweries. Visiting Oktoberfest is a memorable experience filled with culture, community, and, of course, great beer!

When traveling to the Oktoberfest, international travel insurance provides crucial protection for your trip. It is in fact mandatory to buy Oktoberfest travel insurance for those who need German visa. Traveling to Germany can be an exciting experience but a sudden sickness or injury occurs may requires emergency medical treatment which will be and Insurance helps cover these unexpected expenses. Many US travelers book their trip well in advance. Should they need to cancel or change their travel plans due to illness, family emergencies, or other unforeseen circumstances, Oktoberfest travel insurance with trip cancellation coverage can reimburse them for non-refundable expenses like flights and hotel bookings.

Other benefits of travel insurance for Oktoberfest include coverage for costs of replacing loss of items or personal belongings. Travel insurance for Germany Oktoberfest can cover evacuation to a medical facility or back to their home country. Knowing that travelers are protected against unexpected events with the best US travel insurance available on American Visitor Insurance, they can fully enjoy the festivities without worry.

Germany FlagGermany - General Information

location_city
Capital
Berlin
language
Population
83.25 million
euro
Location
Western Europe
globe
Currency
Euro
groups
Language
German, English, French
event
Best time to visit
between May and Sept.
location_on
Vacation spots
Berlin, Munich, Frankfurt, Cologne, heidelberg, Hanburg, Black forest, Potsdam, Koblenz, Passau.

Which are the popular tourist destinations in Germany?

Travel insurance for the Brandenburg Gate

The Brandenburg Gate

Berlin's most famous historic landmark is the Brandenburg Gate, once a symbol of a divided nation and now a symbol of unity and peace.

Travel insurance for Tierpark Hagenbeck

Tierpark Hagenbeck

The city's zoo, was established in 1907 to house a collection of exotic animals owned by a local fishmonger, Carl Hagenbeck.

Travel insurance for Casa do Cabildo

Casa do Cabildo

Also known as the King's Lake.This lovely Bavarian lake is one of the great beauty spots of the region known as Berchtesgadener Land.

Travel insurance for Sanssouci Park and Palace

Sanssouci Park and Palace

The Palace with huge park and many works of art like exquisite Chinese House, an extremely elaborate garden pavilion, and a wonderful Roman Baths complex.

Tourist information about Germany

account_circle How do I get visa for Germany?

  • Travelers visiting Germany require visa from the consulate. You can apply for Germany visa at the Germany embassy or consulate in the country of your residence.
  • Usually the visa application will be processed between 2 -10 days after submission. Only in case of document verification's it may take a longer time.
  • Insurance Plans available at American Visitor Insurance are applicable for
    • Schengen Visa A (Airport Transit Visa)
    • Visa B (Transit Visa)
    • Visa C (Travel Visa)
    • Visa D (Long Stay Visa)

description What are the documents required for Germany Visa?

  • Completed application with declaration
  • 2 Passport size photos
  • Valid passport
  • 1 copy of the current bank statement
  • Visa fees
  • Travel Insurance policy document
  • Any other documents depending on the visa type
  • Germany Travel medical insurance of EUR 30,000 maximum benefits.
  • German visa insurance letter

event What is the best time to visit Germany?

The best time is from May to late October.

location_on What are the famous vacation spots in Germany?

Dresden, Berlin, Cologne, Hamburg, Munich, Frankfurt, Bavaria, Stuttgart, Lake Constance, Dusseldorf...

restaurant What are the popular Cuisines in Germany?

Sauerbraten (sour roast), Bratwurst ( fry-sausage), Blutwurst (blood sausage)...

language Which are the popular Languages spoken in Germany?

Germany, Danish, Bavarian, Frankish, Frisian, Kabardian, Limburgish, Luxembourgeois, Polish...

What are the main International airports in Germany?

City Airport Name IATA Code
Frankfurt Frankfurt Airport FRA
Munich Munich Airport MUC
Berlin Berlin Brandenburg Airport BER
Düsseldorf Düsseldorf Airport DUS
Hamburg Hamburg Airport HAM

Schengen Travel insurance with 30,000 Euro coverage

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What does Schengen visa health insurance Germany usually not cover?

Travel health insurance for Germany visa usually provides coverage for injury, sickness and unplanned medical expenses, emergency medical evacuation, and repatriation of remains in case of death. However, there are certain situations and items that are not covered by German Schengen Visa insurance. These include:

1. Pre-existing medical conditions: Schengen Visa insurance usually excludes or provides limited coverage for any medical conditions that existed prior to the start of the policy. This means that if you have a pre-existing medical condition, any medical treatment related to that condition may not be covered.

2. Treatment for chronic illnesses: Most Schengen Visa medical insurance plans do not cover ongoing treatment for chronic illnesses, such as diabetes or heart disease. These conditions are generally excluded from coverage, so if you require ongoing treatment for a chronic illness, you may need to look for a specialized insurance policy.

3. Non-emergency medical treatment: Schengen travel insurance is designed to cover medical emergencies and unexpected illnesses. It typically does not cover preventive care such as routine medical check-ups, vaccinations, or elective treatments.

4. Extreme sports and adventure activities: Many Schengen Visa health insurance policies exclude coverage for extreme sports and adventure activities, such as bungee jumping, skydiving, or scuba diving. If you plan to participate in these activities during your trip, you may need to buy additional coverage.

5. Mental health conditions: Schengen visa insurance generally do not cover mental health conditions, such as depression or anxiety. If you require treatment for a mental health condition during your trip, you may need to seek out specialized coverage.

Travel insurance for travelers from Germany

List of travel insurance companies for Schengen visa Europe from USA

You can find reliable Schengen visa insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Trawick International insurance.

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