Best Travel Insurance to Germany
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.
Why Visitors Choose Germany?
- Germany is the most populous country in the European Union, home to over 84 million residents.
- Berlin, Munich, Frankfurt, Hamburg, and Cologne are vibrant urban hubs that blend history, modernity, and innovation.
- Known for its rich cultural heritage, Germany offers world-famous festivals such as Oktoberfest in Munich, and over 6,000 museums showcasing art, science, and history.
- The country is famous for its castles, cathedrals, and medieval towns, including Neuschwanstein Castle, Cologne Cathedral, and Rothenburg ob der Tauber.
- Germany is at the heart of classical music and philosophy, being home to Bach, Beethoven, Goethe, and Kant.
- With its efficient public transport and autobahn highways (some with no speed limit), getting around is part of the adventure.
- Food lovers enjoy traditional dishes like bratwurst, schnitzel, and pretzels, while beer culture is deeply rooted in daily life.
- Beyond the cities, Germany offers diverse natural landscapes — from the Black Forest and Rhine Valley vineyards to the Alps and North Sea coastlines.
Why is Travel Insurance Necessary for Germany?
Traveling to Germany is a wonderful experience, but US and international tourists should buy good international travel insurance before their trip.
Travel health insurance for Germany is a mandatory requirement for a Schengen visa, and is highly recommended for all travelers, including US citizens.
- International travel always involves possible health risks
- US residents should know that their domestic US health insurance plans, including Medicare, offer little or no coverage outside the United States.
- It is necessary to buy proper travel medical insurance for your trip to Germany. The right coverage makes all the difference in the event of an accident or illness abroad.
- Also covers medical emergencies, trip cancellations, lost or delayed luggage, and other unexpected travel disruptions.
At American Visitor Insurance, we work with top-rated US insurance companies to offer a wide range of international travel health insurance options for Germany. Tourists can review and compare different Germany travel insurance from USA plans to make an informed decision. Choose the best policy to meet your travel and visa needs.
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.
🛡️ Which Are the Top 5 Travel Insurance Plans for Oktoberfest?
Going to Oktoberfest? Make sure you have travel insurance so you can enjoy the festival without worry. Things can happen on trips like getting sick, losing luggage, or having to cancel plans so it’s important to be protected.
Some of the best plans for Oktoberfest are ITravelinsured Choice, Itravelinsured Travel LX Insurance, Pathway Premium, Trip Protection Choice and Travelex Ultimate Insurance. These plans cover medical emergencies, trip cancellations, lost baggage, and other unexpected problems.
No matter if you’re traveling alone or with friends and family, these insurance plans help you stay safe and stress-free while enjoying the festival.
Most affordable trip cancellation insurance for U.S. residents covers trip costs up to $10,000.
Trip Cost:?
Up to $10,0000
Trip Cancellation?
Up to 100% trip cost
Emergency medical coverage:?
Up to $100,000
Missed connection?
Up to $500 maximum per person
Medical Evacuation?
Up to $500,000 per person
Optional Cancel for Any Reason?
Up to 75% of the trip cost
Best for travelers seeking robust emergency medical protection and high coverage limits.
Trip Cost:?
Up to $100,0000
Trip Cancellation?
Up to 100% trip cost
Emergency medical coverage:?
Up to $100,000
Missed connection?
Up to $500 maximum per person
Medical Evacuation?
Up to $1,000,000 per person
Optional Cancel for Any Reason?
Up to 75% of the trip cost
Ideal for travelers seeking comprehensive, customizable protection with high coverage limits.
Trip Cost:?
Up to $50,0000
Trip Cancellation?
Up to 100% trip cost
Emergency medical coverage:?
Up to $250,000
Missed connection?
Up to $750 maximum per person
Medical Evacuation?
Up to $1,000,000 per person
Optional Cancel for Any Reason?
Up to 75% of the trip cost
Best for travelers who want strong coverage for trip costs up to $100,000 along with emergency protection.
Trip Cost:?
Up to $100,0000
Trip Cancellation?
Up to 100% trip cos
Emergency medical coverage:?
Up to $500,000
Missed connection?
$250 per day up to $1,500
Medical Evacuation?
Up to $1,000,000 per person
Optional Cancel for Any Reason?
Up to 75% of the trip cost
Trip insurance for luxury travelers taking lavish vacations to both domestic and international destinations.
Trip Cost:?
Up to $150,0000
Trip Cancellation?
Up to 100% trip cost
Emergency medical coverage:?
Up to $500,000
Missed connection?
Up to $500 per person
Medical Evacuation?
Up to $1,000,000 per person
Optional Cancel for Any Reason?
Up to 75% of the trip cost
* The cost is based on a 20-year-old traveler, with a 15-day trip and a trip cost of $1,000
🛡️ Which Are the Top 5 Travel Medical Insurance Plans for Oktoberfest?
Looking for Travel Medical Insurance for Oktoberfest? Traveling to Oktoberfest is exciting, but unexpected health issues can happen anytime. That’s why having travel medical insurance is important. These plans cover medical emergencies, hospital visits, and even emergency evacuation, so you can enjoy the festival without worry.
Some of the top travel medical plans for Oktoberfest include Atlas International Insurance, Patriot International Lite, Atlas Essential International, Patriot International Platinum, and InterMedical Insurance Plan. Each plan offers strong medical protection and peace of mind while you’re abroad, making sure you’re covered if anything unexpected occurs.
Budget-conscious travelers seeking comprehensive medical coverage while abroad.
Policy Maximum:?
$50,000 – $1,000,000
Pre-existing?
Not available
Medical Evacuation?
Up to $500,000
Lost Luggage?
Not Covered
Sports Coverage?
Not Covered
Best plan for visitors abroad with coverage for acute onset of pre-existing conditions.
Policy Maximum:?
$50,000 – $2,000,000
Pre-existing?
Covered (to 79 yrs)
Medical Evacuation?
Up to $1,000,000
Lost Luggage?
Up to $1,000
Sports Coverage?
Available
Best travel insurance plan with pre-existing coverage for travel outside USA.
Policy Maximum:?
$50,000 – $1,000,000
Pre-existing?
Covered (to 70 yrs)
Medical Evacuation?
Up to $1,000,000
Lost Luggage?
$50/item, max $500
Sports Coverage?
Optional
Travel medical insurance for trips outside the United States.
Policy Maximum:?
$50,000 – $150,000
Medical Evacuation?
Up to $500,000
Sports Coverage?
Optional
First-class medical coverage with benefits up to $8,000,000
Policy Maximum:?
$2,000,000 – $8,000,000
Pre-existing?
Covered (to 70 yrs)
Medical Evacuation?
Up to Maximum
Sports Coverage?
Optional
* Costs are based on a 25-year-old with a one-month trip and $0 deductible: Atlas Essential, Atlas International, Patriot International Lite, InterMedical, and Patriot Platinum International.
Why You Need Travel Insurance for Oktoberfest Munich?
Planning a trip to Munich for Oktoberfest? Whether you are flying from the USA, UK, or anywhere in the world, buying the best travel insurance for Oktoberfest Munich, Germany is essential for a safe and worry-free journey. The world’s biggest beer festival attracts millions of international visitors every year, and with such large crowds, unexpected events like illness, accidents, trip delays, or lost baggage can happen. Having comprehensive travel health insurance for Germany ensures you can enjoy the festival without financial stress.
With the right coverage, you’ll have access to quality healthcare in Germany, emergency assistance, and protection against unexpected travel disruptions. This peace of mind lets you focus on enjoying Bavarian culture, world-famous beer tents, and the festive atmosphere to the fullest.
Oktoberfest Overview
- Held annually in Munich, Germany from late September to early October.
- Attracts over 6-7 million visitors each year, with 15–20% traveling from overseas (USA, UK, Europe).
- Experience Bavarian music, parades, delicious food, and Munich’s world-famous beers.
Why is Travel Insurance for Oktoberfest Important?
assignment_turned_in
Visa Requirement
Proof of travel health insurance is mandatory for Schengen visa applicants.
medical_services
Emergency Medical Coverage
Protection against sudden illness, accidents, or injuries.
airplanemode_inactive
Trip Cancellation
Recover non-refundable expenses (flights, hotels, tours) if you must cancel.
luggage
Baggage & Possessions
Coverage for loss, theft, or damage of your luggage.
local_hospital
Medical Evacuation
Covers transport to the nearest medical facility or back home.
sentiment_satisfied
Peace of Mind
Enjoy the festival without financial worries.
Who Should Buy Oktoberfest Travel Insurance?
- US citizens traveling to Munich for Oktoberfest.
- International tourists from both Schengen and non-Schengen countries.
- Families, students, and seniors attending the festival.
- Cultural tourists visiting Munich during Oktoberfest season.
Which Is the Cheapest German Schengen Visa Travel Insurance?
The cheapest travel insurance for Germany is Atlas International Insurance plan, starting at just $1 for a day. 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. It is advisable to compare the benefits of cheapest Schengen travel insurance before buying a plan that meets Schengen consulate requirements.
Which Are the Best Travel Insurance Plans for German Visa?
Flexible and affordable coverage that meets Schengen visa requirements, including medical care and emergency evacuation.
Policy Maximum?
$50,000 - $2,000,000
Medical Evacuation?
Up to $1,000,000
Pre-existing coverage?
Acute onset covered up to policy maximum (upto 79 yrs)
Repatriation of Remains?
Equal to the elected overall maximum limit.
Affordable coverage for medical emergencies and travel mishaps in Europe.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
Up to $1,000,000
Pre-existing coverage?
Acute onset covered up to policy maximum (under 70 yrs)
Repatriation of Remains?
Up to $50,000
Comprehensive medical protection for stress-free European travel.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
Up to $500,000
Pre-existing coverage?
Covers Acute onset of pre-existing conditions under 79 years
Repatriation of Remains?
Up to $50,000
Best travel insurance for medical and trip emergencies across the Schengen Area.
Policy Maximum?
$50,000 - $1,000,000
Medical Evacuation?
100% up to $1,000,000
Pre-existing coverage?
Unexpected recurrence of a pre-existing condition upto 70 years
Repatriation of Remains?
Up to $500,000
* The price shown is for a 7-day trip with a $50,000 maximum coverage and a $0 deductible for a 30-year-old traveler.
How Much Does German Schengen Travel Insurance Cost?
Europe Schengen travel insurance Cost in 2025
Schengen insurance cost ranges between $8 to $15 per week for a 25-year-old traveler with a $50,000 medical maximum and $0 deductible.
All the insurance plans listed below
- Meet Schengen visa requirements
- Are accepted by Schengen embassies/consulates worldwide
- Include a downloadable visa letter immediately after purchase
- The policy maximum options available are $50k to $1M.
- Coinsurance is available 100% up to the maximum limit.
- IMG Patriot International Lite insurance for Schengen visa is very popular among travelers visiting European countries and applying for Schengen Visa.
- Covers acute onset of pre-existing condition covers up to the period of coverage limit or $1M (whichever is lower)
- The policy provides the medical maximum options of $50K to $1M for emergency medical and hospitalization.
- Coverage period of the plan is from 5 days to 364 days and the plan is extendable.
- Co-insurance percentage is 100% up to the policy maximum after the deductible is met.
- Available for Non US Citizens and Non US Residents applying for Schengen visa.
- Covers unexpected recurrence of a pre-existing medical condition.
- Available for Non US Citizens and Non US Residents applying for Schengen visa.
- Safe Travels International offers primary comprehensive travel medical insurance coverage in Europe.
- Covers unexpected recurrence of a pre-existing medical condition up to $20K of covered expenses up to age 65 or the first $10K for age 65 or over.
- The policy provides the medical maximum options of $50K to $1M for emergency medical and hospitalization.
- The policy maximum options available with this plan are $50K to $2M for people up to the age of 65 For people in the age range of 65 to 79, the options are $50K and $100K and for people above 80 the only option is $10K.
- Plan pays Coinsurance 100% after the deductible up to the overall limit.
- Atlas International Insurance satisfies Schengen visa requirements and offers comprehensive Europe medical insurance for travelers.
- Covers acute onset of pre-existing condition covers up to overall maximum limit, under age 80.(excludes chronic and congenital conditions)
- The policy has a medical maximum options available $50k, $100k, $500k and $1M for ages 14 days to 69 years.
- The length of coverage is 5 days to 364 days.
- Travel Medical Global Choice satisfies Schengen visa insurance requirements.
- For the acute onset of pre-existing condition coverage for age range of 14 days to 69 years, $50k coverage is available and for age range of 70 to 79 years, $5k coverage is available .
- This plan provides $50k and $100k coverage for the people 65 to 79 years old.
- Ideal travel medical insurance for visiting Schengen countries and satisfies Schengen visa requirements.
- Trip Interruption coverage available for up to $15k not subject to deductible.
- ffers coverage up to chosen plan maximum for acute onset of pre-existing conditions up to 79 years.
What Does Visitor Medical Insurance for Germany Cover?
Travel insurance is crucial for those traveling from the USA to Germany for several important reasons:
- Medical Emergency: Medical emergencies can arise in Germany, and healthcare costs in private or international hospitals, can be very expensive for foreign travelers. Travel insurance helps prevent unforeseen medical expenses from being too heavy on the pocket and allows one access to quality care.
- Emergency Medical Evacuation: For instance, in the event of severe medical conditions or accidents, travelers may be airlifted to another city or even to the USA for proper medical attention. Insurance helps in paying the costly evacuations and provide peace of mind during times of crisis.
- Trip Cancellation or Interruption: Travel may also get ruined by unexpected events, such as family emergencies, natural disasters, or political instability. Most travel insurance policies cover a prepaid trip cost not refundable. In addition to coverage, travelers can opt for Cancel for Any Reason (CFAR) insurance, which allows you to cancel your trip for any reason. And usually reimburses 50-75% of non-refundable trip costs, but it must be purchased within a specific timeframe.
- Repatriation of Remains: Covers the high cost of returning a traveler’s remains to their home country
- Accidental Death & Dismemberment (AD&D): Provides financial support to beneficiaries if the insured suffers accidental death or severe injury
- Lost or Stolen Belongings: Luggage, passports, or other personal effects can be stolen or lost. Insurance may cover the cost of replacing the lost or stolen items and limit your inconvenience caused.
- Natural Calamities and Political Turbulence: Trip insurance will cover the expenses if a natural calamity or political turbulence took place that requires evacuation or extended staying.
- Pre-Existing Conditions Coverage: Travel insurance plans for Germany may exclude coverage for pre-existing medical conditions. However, some Germany visitor health insurance plans provide coverage for the acute onset of pre-existing conditions. This means that if there is a sudden and unexpected flare-up of a pre-existing condition (subject to age limits and policy terms), coverage will be provided. This is especially important for older travelers or visitors with chronic health conditions.
- Adventures Sports Coverage: Germany offers exciting opportunities for adventure activities, especially in the Bavarian Alps with skiing, snowboarding, and hiking. These high-risk activities are usually not included in standard travel insurance plans. Travelers can purchase add-on adventure sports coverage to be protected against accidents or injuries during such activities.
Due to this, citizens from the USA going to Germany must also get extensive travel insurance, which can reduce the risks and enable an even more safely hassle-free trip.
Medical Costs for Tourists in Germany
Germany has one of the best healthcare systems in the world, but it is also quite expensive for international tourists without proper insurance. Visitors do not have access to the German public health insurance system, so they are required to pay the full cost of medical care out-of-pocket at the time of service. This makes it very important for international travelers to buy adequate Germany visitor health insurance.
- Ambulance: €200–€400 depending on distance and emergency service required.
- Hospital admission: €400–€1,200+ per day, depending on ward type and treatment.
- Routine doctor’s visit: €50–€150 per consultation.
- Emergency room visit: €200–€500 for basic treatment; complex emergencies can exceed €1,000+.
- Prescription medication: €20–€100+ depending on type and dosage; brand-name drugs are more expensive.
⚠️ Important Note:
- Tourists must usually pay medical costs upfront and then file claims with their travel insurance provider for reimbursement.
- Hospitals and clinics may charge higher rates for international patients compared to residents.
- Private hospitals and specialized care facilities are significantly more expensive.
- Even short hospital stays or emergency surgeries can result in bills of several thousand euros.
Do You Need Travel Insurance for a German Schengen Visa?
If you are traveling to Germany, having the right travel insurance is a mandatory requirement for the Schengen visa.
Below are the key points you need to know:
- Who needs it? Non-U.S. citizens and U.S. Green Card holders may need a Schengen visa (depending on nationality). U.S. citizens need a Schengen visa for tourism, business, or family visits up to 90 days.
- Mandatory requirement: Travel insurance is compulsory when applying for a German (or any Schengen Area) visa.
- Coverage requirements: Minimum of €30,000 (~US $50,000) for medical expenses, emergency evacuation coverage, and valid for your entire Schengen stay.
- Where to buy: American Visitor Insurance offers Schengen-compliant plans with instant proof of insurance.
Need assistance? Call us at (877)-340-7910 for help in choosing the right plan for Germany visa requirements.
Is a German Visa Needed for US Green Card Holders?
US Green Card holders will need an Germany visa to travel there if the country of their passport requires a visa for travel to the Schengen countries. Travel insurance Germany visa for Green Card Holders is required while applying for an Germany visa. Green card holders travel insurance requirements for Germany include medical expenses of at least €30,000. US Green Card Holders can buy travel insurance to satisfy Germany visa requirements for their visa application on American Visitor Insurance.
Why do Americans Need Travel Insurance for Germany?
- Germany has always been a popular destination for American vacationers, expatriates and students.
- As the largest country in western Europe, with a population of 80 million residents, its cultural centers like Berlin, Munich, Stuttgart, Frankfurt and Hamburg attract millions of tourists annually making Germany the seventh most visited nation globally.
- As the most powerful economy in Europe, the German labor force is renowned for its strong work ethic and technological innovation especially in the automotive and manufacturing sectors. This attracts many US businesses and workers who collaborate with Germany industry.
- One should remember that while most advanced countries offer the world’s best healthcare systems, it is also expensive. Visiting a hospital without insurance is scary.
- It is vital that Americans have good travel medical insurance while traveling to Germany. A travel medical insurance plan will provide coverage for medical expenses incurred in case of any injury or illness.
At American Visitors Insurance one can compare several plans for prices and benefits from the comparison tool and also can get instant policy documents by Email. Their 24/7 customer support assistance by one of the licensed service agents will provide answers to all questions by the customers. Buying travel medical insurance for international travel is easy at American Visitor Insurance. Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.
General Information About Germany
- Capital: Berlin
- Population: Around 84 million
- Location: Western Europe
- Currency: Euro
- Language: German, English, French
- Best time to visit: between May and Sept.
- Vacation Spots: Berlin, Munich, Frankfurt, Cologne, heidelberg, Hanburg, Black forest, Potsdam, Koblenz, Passau.
Germany is a captivating travel destination known for its rich history, stunning landscapes, and vibrant cities. From the fairy-tale castles of Bavaria to the bustling streets of Berlin, Germany offers something for every traveler. It's famous for its cultural festivals, historic landmarks, scenic rivers, and renowned cuisine.
Travel Tip:
Germany experiences cold winters and occasional heavy snowfall, especially in southern regions. Summers are generally mild and pleasant. If you're visiting, consider travel insurance that covers trip cancellations, interruptions, or medical emergencies, especially if you plan outdoor activities in winter.
Fun Fact:
Germany is home to over 20 UNESCO World Heritage Sites and has more than 25,000 castles scattered across the country.
What Are the Popular Tourist Destination Cities in Germany?
What Are the Popular Cruises in Germany?
Do You Need Schengen Visa Insurance for Senior Citizens?
What Are the Safety Suggestions for Travelers to Germany?
- Germany is considered one of the safer countries to travel in, with crime rates dropping in recent years.
- Be watchful while outside familiar surroundings and stay alert for petty criminals and pickpockets, especially near:
- Shopping centers
- Bus terminals
- Train stations
- Museums
- Hotels
- Protect all personal belongings and keep valuables in a safe location.
- Carry a copy of your passport at all times in case of an emergency.
- During summer, be aware of intense heat and the risk of dehydration—drink plenty of fluids regularly.
- Know the location of the US embassy and local police contact information in case of emergencies.
What Should US Travelers Know About Dietary Considerations in Germany?
German food while largely similar can take some adjusting for US nationals. The local cuisine has a lot of meat, potatoes with heavy noodles. Travelers should be prepared for dietary changes and the impact it can have on the travellers physique. US citizens should also be watchful about alcohol and tobacco usage given that it is quite common here when compared to the US. Ensure that you stay moderate in your alcohol consumption and in smoking.
Travel tips for international travelers
Travel tips for international travelers – Safety, Comfort and Wellness.
Frequently Asked Questions About Germany Travel Insurance
To enter Germany, you need:
- A valid passport: Valid at least 3 months beyond your stay
- Visa: If your nationality requires a Schengen visa; some travelers can enter visa-free for up to 90 days.
- Travel insurance covering at least €30,000 for medical emergencies (mandatory for visa applicants, recommended for all travelers)
- Proof of sufficient funds to support your stay
- Return or onward ticket
- Purpose of stay (tourism, business, study, work, or family visit)
Germany may also require COVID-19 related documentation depending on current travel rules. Always check the latest requirements before traveling.
Travelers to Germany who need the Schengen visa can buy Germany visa travel insurance on our website. Our Schengen visa travel insurance quote facility displays the travel insurance that satisfy Germany visa consulate requirements. Once you complete buying the Germany visa travel insurance online, you can download the required Germany visa letter which you can submit while applying for the Schengen visa
The cost for the Germany visa travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Germany travel insurance required, the greater will be the cost. If you are comparing travel health insurance for Germany cost, our Germany visa insurance quote facility makes it easy to find plans that satisfy Schengen visa consulate requirements.
Anyone traveling to Germany from any of the list of 'Schengen visa required countries' needs the Schengen visa (Germany is included in the Schengen visa). For travelers from any of the 'Schengen visa exempted countries', who want to stay in Germany for more than 90 days also need to get the Long stay in Europe visa
One should apply for the Schengen visa in the consulate of the Schengen state that you are traveling to. The traveller should complete the required Schengen visa application, along with other required documents, such as the travel itinerary, proof of adequate financial means and Schengen visa insurance letter. Please refer to the Schengen state consulate that you are visiting for the complete information regarding applying for the Schengen visa.
This depends on the travelers and their specific situation. The Trump administration has recently made a decision that affects some German travelers especially if they are trying to immigrate to the US and requires them to have health insurance while in the US. At this time, there are no specific requirements on the travel insurance, so travelers from Germany can buy any of the plans we offer for whatever length of time is required. Travelers from Germany should anyway consider getting adequate coverage given the high costs of US medical care.
To help travelers from Germany find the best visitor insurance in USA, we work with all the reputed insurers and give our customers a wide range of options. German visitors can compare the different visitors insurance plans using the compare German visitors medical insurance tool. Here visitors can review the different options based on their price along with the different coverage benefits. Since the best visitor insurance for Germans varies depending on the needs of different travelers, the compare visitor health insurance tool helps visitors from Germany find the best US visitor insurance plan for their specific needs.
Trip insurance vs Travel health coverage vs Global medical insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
What Travel Insurance Do You Need for Visiting Germany?
Best Germany Travel Insurance from USA
airplanemode_inactive
Trip Cancellation
Protect your Germany vacation with coverage for unexpected trip cancellations
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elderly
Older Travelers Insurance
Affordable travel insurance for older travelers visiting Germany.
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Cancel for Any Reason
Extra flexibility with CFAR coverage for your Germany trip.
Learn More »
globe
Expatriate Insurance
Expatriate heath insurance for living outside home country
Learn More »
luggage
Annual Traveler Insurance
Ideal coverage for frequent business or leisure travelers to Germany.
Learn More »
groups
Group Travel Insurance
Affordable plans for groups of 5 or more traveling together.
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How do I buy long term Europe German visa insurance
US citizens planning to stay in any of the 29 Schengen countries for more than 90 days within a 180 day period are required to apply for a Long stay (type D) visa. One of the requirements for this visa is proof of valid medical insurance with a minimum coverage of €30,000 (around US $34,035 as of May 2025), which is valid during the whole stay in the Schengen countries.
The insurance provider 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).
American Visitors Insurance offer the best Europe long stay travel insurance for US citizens designed by top US insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the plan that best fits their coverage needs.
Get Quote »
ETIAS for US Travelers to Germany
US travelers to Germany should apply for an ETIAS (European Travel Information and Authorization System). ETIAS is an electronic travel authorization system similar to the US ESTA (Electronic System for Travel Authorization). However, ETIAS is not a visa, but a pre-travel clearance for short stays up to 90 days in Germany. Along with ETIAS it is important for travelers from USA to buy the best travel insurance for Germany, since Medicare and most US health insurance plans do not provide coverage in Germany.
Embassy of the United States in Germany
U.S. Embassy in Berlin location_on
Address
Pariser Platz 2, 10117 Berlin, Germany
Email
ACSBerlin@state.gov
U.S. Consulate General in Frankfurt location_on
Address
Giessener Str. 30, 60435 Frankfurt am Main, Germany
Email
ACSFrankfurt@state.gov
Embassy of Germany in United States
Germany Embassy in Washington, DC location_on
Address
4645 Reservoir Road NW, DC 20007, Washington, USA
Email
info@washington.diplo.de
Germany Consulate in Atlanta, NE location_on
Address
Marquis Two Tower, Suite 901, 285 Peachtree Center Avenue, N.E., 30303-1221, Georgia, Atlanta, United States
Email
info@atlanta.diplo.de
What to Know About Germany Schengen Travel Insurance?
Germany Travel Medical Insurance
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Germany travel medical insurance FAQ
FAQs about travel insurance for Germany travelers.
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Travel Insurance to Germany Forum
Customer Queries for travel insurance for USA from Germany.
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Travel health insurance for Germany Blog
Blog about travel health insurance Germany travelers.
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Travel insurance from Germany to USA
Why Do Germans Visit the USA?
The United States is world-renowned for its iconic landmarks, cultural attractions, natural wonders, and vibrant lifestyle, making it one of the most popular destinations for German travelers.
- Over 2 million Germans visit the United States annually, making them the second largest group of European visitors to the US after the British
- The USA is among the top long-haul destinations for Germans, outside of Europe.
- Germans are drawn to America for shopping, theme parks, cultural and historical attractions, national parks, and wide open landscapes.
- The United States also receives significant tourism revenue from German visitors, as they are among the higher-spending European tourists.
- Around 13% of visits are work-related, while others travel for vacation, conventions, education, and to visit friends or family.
- German tourists are mostly attracted to New York state and to New York City. They also like the wide open spaces in the Pacific North West, California, Florida and the mid-western region of the United States which between them is home to many national parks. Tourists from Germany also visit the cities of New York, Boston, Los Angeles, San Francisco, Philadelphia and Washington D.C. in large numbers.
- The large German-American community (over 40 million people of German ancestry in the US) makes family visits a frequent reason for travel.
A holiday to the US requires proper planning, especially considering the long travel time and variations in climate across different states.
Can a Visitor from Germany to the USA Get Medical Insurance?
Yes, a traveler from Germany to the USA can get medical insurance. In case of any illness or injury, US visitor health insurance will provide coverage for unexpected medical expenses, which are very high in the United States. Given the expensive US healthcare system, German tourists are strongly advised to purchase travel health insurance before visiting.
At American Visitor Insurance, German travelers to USA can compare multiple US travel insurance plans from reputed American companies, review benefits, and purchase the best policy for their needs.
What Medical Benefits Are Included For USA Visitors?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
What Are the Different USA Visa Health Insurance?
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B1 visa insurance
USA B1 visa health Insurance for temporary business visitor.
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B2 visa insurance
US B2 visitors visa health insurance for tourists.
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F2 visa insurance
F2 visa medical insurance for dependents of F1 visa.
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F1 visa insurance
F1 visa health insurance for international students in USA.
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J1 visa insurance
J1 visa insurance for exchange scholars in educational/cultural exchange programs.
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Green card insurance
Travel Health insurance for US Green card holders.
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K1 visa insurance
Health insurance for fiancé(e) who marry U.S. citizens.
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H1B visa insurance
H1B visa insurance for skilled foreign workers in specialty occupations.
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Travel insurance
Travel insurance for tourists in USA, tourist insurance USA.
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H4 visa insurance
H4 visa insurance for dependents of H-1B, H-1C, H-2A, H-2B, and H-3 visa holders.
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Travel Insurance for German Citizens
German Immigrants in the USA
History of German Immigration to the USA
- Early Migration (1600s–1700s):
- First recorded German settlers arrived in Virginia in 1608.
- By 1683, 13 German families founded Germantown, Pennsylvania, seeking religious freedom.
- During the 1700s, many German-speaking groups migrated, with Pennsylvania receiving the largest share.
- German immigrants often worked as indentured servants in exchange for passage across the Atlantic.
- Cultural Contributions:
- Conestoga wagon designed by German immigrants, used widely in the American frontier.
- The first German-language newspaper (“New-York Weekly Journal”) was launched in colonial America.
- The first Bible in America was printed in Philadelphia by a German printer.
- Popular traditions such as the Christmas tree and kindergarten were introduced by German settlers.
- 19th Century Immigration Boom:
- In the 19th century, nearly 8 million Germans migrated to the U.S
- Motivations included political unrest, religious persecution, and the failure of the 1848 revolutions.
- By 1854, over 215,000 Germans arrived in a single year.
- By 1790, about 100,000 Germans lived in America, making up 8–9% of the U.S. population.
- Many Germans settled in the Midwest (Wisconsin, Missouri, Ohio), shaping farming and cultural life.
- 20th Century Immigration:
- German immigration declined after World War I due to anti-German sentiment.
- Between 1933–1945, German scientists, artists, and intellectuals (including Albert Einstein and Walter Gropius) fled Nazi Germany to settle in the U.S.
- By the end of World War II, about 130,000 German and Austrian refugees were living in the U.S.
- From 1950–1960, the U.S. admitted about 477,000 German immigrants, though numbers decreased sharply afterward.
- German-American Community Today:
- According to the 2022 U.S. Census Bureau, about 41.1 million Americans claim German ancestry, making them the largest ancestral group in the country (≈12–13% of the U.S. population).
- States with the largest German-American populations include California, Texas, Pennsylvania, Ohio, and Wisconsin.
- German heritage continues to influence U.S. culture, food, education, and festivals (e.g., Oktoberfest celebrations).
Travel & Health Note:
- New immigrants face challenges in adapting to life in the U.S., including expensive healthcare.
- It is highly recommended for German immigrants and visitors to have U.S. immigrant or travel medical insurance to cover unexpected medical costs.
At American Visitor Insurance, South German immigrants can buy reasonable US immigrant medical insurance as per the requirements.
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Student Insurance for German Students in the USA
- Why German Students Choose the USA:
- The U.S. is home to world-class universities with flexible programs across all academic fields.
- Millions of German students have studied in the U.S. over decades for academic, professional, and cultural opportunities.
- Popular areas of study include STEM, business, architecture, media, and the arts.
- Number of German Students in the U.S.:
- According to the 2022 Open Doors Report (IIE), there were 8,550 German students enrolled in U.S. institutions.
- Germany consistently ranks among the top 15 countries sending students to the U.S.
- Why Student Health Insurance is Essential:
- U.S. healthcare is very expensive, and students are vulnerable to unexpected illnesses or accidents.
- International students (including Germans) are required by most U.S. universities to have health insurance.
- Buying independent international student insurance can often be cheaper than university-sponsored plans, with similar or better coverage.
- We provide international student insurance for German students which is cheaper than the University plans, while providing comparable coverage.
- German students can also buy the OPT student insurance plans by comparing the different OPT insurance options online.
- Coverage Benefits for German Students:
- Medical expenses from accidents and illness.
- Pre-existing condition coverage (acute onset, depending on the plan).
- Mental health support and prescription coverage.
- Emergency medical evacuation and repatriation of remains.
Buying Insurance Made Easy:
- At American Visitor Insurance, German students can:
- Compare multiple plans with a simple online comparison tool.
- Access 24/7 licensed agent support for questions
- Get instant policy documents by email.
- Guaranteed best prices on international student insurance plans.
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Visitor Medical Insurance for German Professionals in the USA
Why German Professionals Work in the USA:
- The U.S. attracts talented professionals globally, including Germans, due to career growth and opportunities in leading organizations.
- German professionals are valued for their skills, discipline, and contributions to sectors like science, engineering, technology, business, and healthcare.
Historical Contributions:
- German immigrants historically contributed to craft, brewing, and industrial sectors in the 19th century.
- After World War II, German engineers contributed to U.S. military and NASA space programs, including the Apollo moon landing.
- Renowned German intellectuals, like Albert Einstein, migrated to the U.S. and influenced science, education, and culture.
Current German Professionals in the U.S.:
- An estimated 50,000 Germans work in Silicon Valley alone.
- Many German healthcare workers, physicians, engineers, and tech professionals live and work across the U.S.
- German expatriates continue to have a significant presence in American society and economy.
Importance of Visitor Medical Insurance:
- U.S. healthcare is expensive; medical emergencies without insurance can lead to financial loss.
- Visitor medical insurance protects against unexpected medical expenses, including accidents and illness.
- Insurance plans may include coverage for pre-existing conditions depending on the policy.
Benefits of Buying Through American Visitor Insurance:
- Compare multiple U.S. visitor insurance and expatriate medical plans for best coverage and pricing.
- Guaranteed best prices for international visitors
- Easy online purchase with instant policy documents delivered by email.
- 24/7 licensed agent support for queries and assistance.
Peace of Mind: German professionals can work and travel in the U.S. without worrying about unexpected medical costs.
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Visitor’s Medical Insurance for German Family, Friends, and Tourists to the USA
Popularity of the USA Among German Visitors:
- The United States attracts millions of international tourists due to its natural wonders, iconic monuments, beaches, and vibrant social life.
- The U.S. is one of the most popular destinations for Germans, both for vacations and visiting family.
- Approximately 47 million German-Americans live in the U.S., drawing relatives and friends from Germany annually.
Visitor Statistics:
- In 2019, around 2.06 million German tourists visited the U.S.
- Travel purposes include vacation, visiting family and friends, work, and education.
- German visitors often plan short or long weekend trips, with some traveling with elderly family members, which may increase the risk of medical emergencies.
Need for Travel Medical Insurance:
- Traveling overseas involves risks such as illness, injury, and other unexpected emergencies.
- International travel insurance provides coverage for medical emergencies, trip cancellations, lost luggage, and travel delays.
- Coverage for pre-existing medical conditions is available in many U.S. visitor insurance plans.
Benefits of American Visitor Insurance:
- Works with reputable U.S. insurance providers to offer competitive plans.
- Provides guaranteed best prices and comprehensive coverage for travelers.
- Customers can compare multiple plans using a comparison tool to choose the best option.
- Instant insurance documents delivered via email.
- 24/7 support from licensed U.S. insurance agents for questions or claims assistance.
Peace of Mind: German tourists, families, and friends can travel confidently to the U.S., knowing they are covered for unexpected medical and travel emergencies.
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How Do I Buy Germany Visa Travel Insurance Online?
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Finding the best health insurance for foreigners
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.
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Compare the different travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.
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Buy the US travel health insurance that you like best
Purchase the plan that fits your needs and budget by using a credit card and completing the online application.
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Review insurance plan documents received by email
Review the international travel health insurance policy for coverage details and relevant contact numbers
What Factors Affect the Cost of Best Travel Medical Insurance USA?
1
Age of the Traveler
The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler, the greater will be the cost of the visitor’s health insurance.
2
Type of US Travel Health Insurance
Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.
3
Medical Maximum Coverage
The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
4
Region of Coverage
Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.
5
Duration of Travel Insurance
The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.
6
Any Add-on Benefits
Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions, etc., will add to the overall cost.
What Are the Types of Travel Insurance?
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Single Trip Travel Insurance
Compare and buy best US Single trip insurance for travel within the US and overseas.
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Single Trip vs MultiTrip Travel Insurance
Compare Single trip vs multi trip insurance plans offered by US insurers.
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Best Travel Health Insurance in USA Information
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Travel medical insurance USA resources
International travel insurance resources for USA visa holders.
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Factors for travel insurance USA online
Factors for the best travel insurance to USA.
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Types of USA tourist insurance online
Different types of tourist insurance for USA.
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USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.
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Travel Insurance to USA From Germany Links
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Travel Insurance for USA FAQ
FAQs about travel insurance for USA.
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Traveler Insurance to USA Forum
Customer Queries for German travelers to USA.
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Travel Health Insurance for Germany Citizens in the USA
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Pre-existing Coverage
Pre-Existing Condition Coverage for German Citizens in the USA
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Seniors Insurance
Senior Citizens Travel Insurance for German Visitors in the USA
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Annual Travel Insurance
Annual Travel Insurance for German Citizens Visiting the USA
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Find the Best US Visitor Insurance Coverage - Blogs and Articles
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Affordable travel insurance Online
Fixed benefit or scheduled benefit plans are the most affordable travel insurance plans.
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Best international travel insurance
International travel insurance plans covering pre-existing conditions which many older travelers look for.
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Compare US travel insurance online
Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.
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Advantages of buying travel insurance online
Compare and buy the best travel medical insurance plans online.
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Buy cheap travel insurance for USA
There are many cheap international insurance plans also known as visitor insurance plans.
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How does travel insurance work?
Coinsurance & Deductible - How visitor travel insurance works.
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