Travel Insurance for Germany
Compare and buy German Travel Insurance from less than $1/day. Covers medical emergencies, evacuation, and trip interruptions for US visitors. Most US health insurance plans including Medicare provide no coverage in Germany. Schengen visa holders must carry €30,000 medical coverage.
Choose Your Destination
Select your travel situation each section has tailored plans, expert advice, and complete coverage guidance.
Travel Insurance for International Visitors Traveling to Germany
U.S. citizens do not need a Schengen visa for stays up to 90 days in Germany. However, starting in 2025, all U.S. travelers must obtain ETIAS authorization before departure it's a quick online application, valid for 3 years. Additionally, most U.S. health insurance plans including Medicare do not cover medical care in Germany, making travel insurance strongly recommended for all US travelers.
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.
Do I Need Travel Insurance for Germany? Here's What US Travelers Should Know
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 German Travel Insurance from USA plans to make an informed decision. Choose the best policy to meet your travel and visa needs.
How Much Does German Travel Insurance Cost in 2026?
Trip Cancellation Insurance If you want coverage to protect your non-refundable trip expenses such as flight tickets, hotel bookings, and other reservations in case your trip is cancelled, delayed, or interrupted, consider buying these trip cancellation insurance plans.
The cost of German Travel Insurance from the USA starts as low as $24 for a 15-day trip with a $1,000 trip cost. The cost of trip cancellation insurance for Germany depends on traveler’s age, type of coverage selected, length of stay in Germany, number of travelers insured
Trip Cancellation Insurance Cost for US Citizens Visiting Germany
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
| Plan | Trip Cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect Trawick International |
100% of Trip Cost, max $14,000 | $24 | $32 | $39 | $74 |
| Pathway Essential Trawick International |
100% of Trip Cost, max $14,000 | $24 | $33 | $53 | $76 |
| ExactCare Insurance BHTP |
100% of Trip Cost, max $14,000 | $24 | $26 | $42 | $64 |
| Pathway Plus Trawick International |
100% of Trip Cost, max $50,000 | $32 | $43 | $70 | $98 |
| Trip Protection Basic Seven Corners |
100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Travelex Advantage Travelex |
100% of Trip Cost, max $10,000 | $36 | $42 | $62 | $87 |
| Itravelinsured Choice IMG |
100% of Trip Cost | $39 | $50 | $73 | $110 |
| Travel Insurance Select Travel Insurance |
100% of Trip Cost | $42 | $42 | $87 | $102 |
| Safe Travels Armor Trawick International |
100% of Trip Cost, max $100,000 | $43 | $55 | $67 | $124 |
| Pathway Premium Trawick International |
100% of Trip Cost, max $100,000 | $43 | $56 | $90 | $126 |
| Trip Protector Economy Seven Corners |
100% of Trip Cost, max $5,000 | $47 | $55 | $71 | $75 |
| ExactCare Value BHTP |
100% of Trip Cost, max $14,000 | $56 | $60 | $93 | $138 |
| Travelex Ultimate Travelex |
100% of Trip Cost, max $50,000 | $57 | $69 | $91 | $125 |
| Trip Protection Choice Seven Corners |
100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| iTravelInsured LX IMG |
100% of Trip Cost | $102 | $114 | $138 | $171 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Best Trip Cancellation Insurance
Compare top-rated plans with strong cancellation benefits
Best Trip Cancellation Insurance for Germany 2026
Safe Travels Protect Insurance is the Cheapest Trip cancellation and Pathway Premium is the best trip cancellation insurance for Germany.
Other affordable travel insurance with trip cancellation coverage include Pathway Essential, Travelex Advantage
Other best travel insurance with trip cancellation coverage include: Travelex Ultimate, iTravelInsured LX
Best Travel Medical Insurance for Germany from USA
Travel Medical Insurance If you want coverage for emergency medical expenses such as hospital bills and doctor visits caused by sudden sickness or injuries from an accident, consider buying these travel medical insurance plans.
The cost of travel medical insurance for Germany from the USA starts as low as $20 per month. Prices vary based on the traveler’s age, coverage limits, deductible, and length of stay in Germany.
Travel medical insurance provides: Coverage for doctor visits, Protection for emergency hospital stays, Financial protection against high medical costs abroad, Access to necessary care while travelingFor Germany travel, a coverage limit of at least $500,000 including medical evacuation offers broader travel protection. The plans below show $50,000 coverage. Use the quote form above to explore higher coverage limits suitable for this destination.
| Plan | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Atlas Essential International WorldTrips |
$250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound Trawick International |
$250 | $26 | $77 | $168 | $296 |
| Atlas International WorldTrips |
$250 | $27 | $54 | $117 | $212 |
| VisitorSecure WorldTrips |
$100 | $29 | $34 | $55 | $96 |
| Travel Medical Excluding USA Basic Seven Corners |
$0 | $29 | $55 | $121 | $269 |
| Patriot International Lite IMG |
$250 | $29 | $55 | $121 | $214 |
| BCBS Single Trip Gold BCBS |
$250 | $43 | $72 | $154 | $289 |
| BCBS Single Trip Platinum BCBS |
$250 | $46 | $79 | $160 | $300 |
| TravelGap Gold HTH Worldwide |
$250 | $43 | $72 | $154 | $289 |
| TravelGap Platinum HTH Worldwide |
$250 | $46 | $79 | $160 | $300 |
| Diplomat International Global Underwriters |
$250 | $32 | $86 | $181 | $315 |
| Intermedical Travel Insure |
$250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Travel Medical Insurance for U.S. Citizens Traveling Abroad
Review travel medical insurance coverage benefits.
Travel Medical Insurance for Germany 2026
Other affordable travel medical insurance plans for U.S. citizens include Atlas International, Patriot International Lite .
Other best travel medical insurance plans for U.S. citizens include Intermedical, Patriot Platinum International .
What Does Travel Medical Insurance for Germany Cover?
Includes costs for sickness or injury hospitalization, doctor visits, and prescription medications while traveling in Germany.
Covers expenses to transport you to the nearest appropriate medical facility.
Reimbursement of non-refundable trip costs due to unforeseen events such as illness or family emergency.
Pays for the return of mortal remains in the event of death during travel.
Cancel at least 48 hours before departure and get reimbursed for 75% of non-refundable trip costs. Must be purchased within a specific time frame.
Some plans cover acute onset of pre-existing conditions a sudden unexpected flare-up. Subject to age limits and policy terms. Important for older travelers.
Standard plans may not cover high-risk activities. Add-on adventure sports coverage protects against accidents during activities like motorbike riding, rock climbing, and watersports.
Accidental Death and Dismemberment benefit for beneficiaries in event of accidental death or serious injury. Baggage loss, delay, and trip delay coverage also included.
Ideal coverage for frequent business or leisure travelers to Germany.
Who Needs to Apply for German 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?
Heading to Oktoberfest? The right travel insurance lets you enjoy Munich without financial 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.
Whether you're traveling alone or with friends and family, these insurance plans help you stay safe and stress-free while enjoying the festival.
* 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.
* 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're flying from the USA, UK, or anywhere else in the world, buying travel insurance is one of the smartest things you can do. With millions of visitors attending every year, unexpected events such as illness, injuries, flight delays, or lost baggage can easily disrupt your trip.
Comprehensive travel insurance helps protect you against unexpected medical expenses, travel interruptions, and emergency situations, allowing you to enjoy Bavaria's famous beer tents, traditional food, music, and celebrations with complete peace of mind.
Oktoberfest Overview
- Held every year in Munich, Germany from late September through early October.
- Welcomes more than 6–7 million visitors annually, with many traveling from the USA, UK and across Europe.
- Famous for Bavarian beer tents, live music, traditional food, parades and carnival rides.
Why is Travel Insurance for Oktoberfest Important?
Visa Requirement
Travel health insurance is mandatory for most Schengen visa applicants.
Emergency Medical Coverage
Protection against unexpected illness, accidents and hospital expenses.
Trip Cancellation
Reimbursement for prepaid, non-refundable travel expenses.
Baggage Protection
Coverage for lost, stolen or delayed luggage and personal belongings.
Medical Evacuation
Emergency transportation to the nearest suitable hospital or back home.
Peace of Mind
Enjoy Oktoberfest knowing you're financially protected against unexpected events.
Who Should Buy Oktoberfest Travel Insurance?
- US citizens traveling to Munich for Oktoberfest.
- International visitors from Schengen and non-Schengen countries.
- Families, students and senior travelers attending the festival.
- Tourists exploring Munich and Bavaria during Oktoberfest season.
What Would a Medical Emergency in Germany Actually Cost Without Insurance?
These are realistic cost scenarios based on average medical expenses in Germany for international tourists paying out of pocket.
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Emergency room visit | €300 – €500 | Covered (after deductible) |
| X-ray | €80 – €150 | Covered |
| Fracture treatment & splint | €400 – €800 | Covered |
| Follow-up consultation | €80 – €150 | Covered |
| Total out of pocket | €860 – €1,600+ | ~$250 deductible only |
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Mountain rescue / helicopter | €1,500 – €3,000 | Covered |
| Hospital admission | €400 – €800/day | Covered |
| MRI scan | €300 – €600 | Covered |
| Surgery consultation | €200 – €400 | Covered |
| Total out of pocket | €3,000 – €8,000+ | ~$250 deductible only |
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Non-refundable flights | $1,200 | Covered |
| Hotel bookings | $800 | Covered |
| Guided tour deposits | $300 | Covered |
| Total lost without insurance | $2,300 | Up to $2,300 reimbursed (100%) |
| Service | Uninsured Cost | With Travel Insurance |
|---|---|---|
| Hospital stay (3 days) | €3,600 – €4,800 | Covered |
| Cardiac treatment & tests | €2,000 – €5,000 | Covered |
| Emergency evacuation to USA | $50,000 – $100,000 | Covered |
| Total out of pocket | $60,000 – $115,000+ | ~$250 deductible only |
What Are the Travel Tips for Germany?
Germany blends rich history, modern cities, and stunning landscapes. Whether you're heading to Oktoberfest, the Christmas markets, or the Bavarian Alps, a few simple travel tips can help you enjoy a smooth and memorable trip:
- Entry & Documents: U.S. citizens do not need a Schengen visa for stays up to 90 days, but must obtain ETIAS authorization before travel (expected Q4 2026). Carry a valid passport valid for at least 3 months beyond your stay.
- Money & Costs: Germany uses the Euro. Credit cards are widely accepted in cities, but many smaller shops, restaurants, and market stalls are cash only - always carry some euros. Tipping 5–10% is customary.
- Language & Culture: German is the official language. English is widely spoken in major cities and tourist areas, but learning a few basic German phrases - Danke (thank you), Bitte (please), Entschuldigung (excuse me) - is always appreciated.
- Best Time to Visit: May–September offers the best weather for sightseeing. Oktoberfest runs late September to early October. Christmas markets run November–December. Winter in the Alps is ideal for skiing.
- Getting Around: Germany has one of Europe's best public transport networks - trains (Deutsche Bahn), U-Bahn, S-Bahn, and buses connect everything efficiently. Consider a rail pass for longer trips between cities.
- Health Insurance: U.S. health insurance including Medicare does not cover medical care in Germany. Always buy travel medical insurance before departure - plans start from $20/month and cover emergency hospital visits, evacuation, and more.
- Safety: Germany is generally very safe. Take normal precautions in crowded tourist areas like Christmas markets and Oktoberfest - pickpockets are active. Emergency number is 112 (not 911).
Is Travel Insurance Required 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? U.S. citizens do not need a Schengen visa for stays up to 90 days, but they will need ETIAS authorization. Non-U.S. citizens and Green Card holders may need a full Schengen visa depending on their passport nationality.
- Mandatory requirement: Travel insurance is compulsory when applying for a German (or any Schengen Area) visa.
- Coverage requirements: Minimum of €30,000 (~US $35,000) 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 a 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 a 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.
Does US Health Insurance Work in 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.
Germany - General Information
What Are the Popular Tourist Destinations in Germany?
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.
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.
A vast park with stunning art treasures, including the Chinese House, ornate garden pavilions, and Roman Baths.
Popular Tourist Destination Cities in Germany
Munich
Munich, the capital of Bavaria, is famous for Oktoberfest, Marienplatz, and world-class museums. Visitors enjoy traditional Bavarian culture, historic architecture, and vibrant beer gardens throughout the city. Travel insurance for Munich provides financial protection against medical emergencies, trip cancellations, lost baggage, and travel delays.
Travel Insurance for Munich →
Frankfurt
Frankfurt is Germany's financial hub, blending modern skyscrapers with historic landmarks like Römer Square. The city is a major international gateway and a popular stop for business and leisure travelers alike. German Travel Insurance helps cover medical emergencies, flight delays, baggage loss, and other unexpected travel expenses during your visit.
Travel Insurance for Frankfurt →
Berlin
Berlin is Germany's vibrant capital, known for the Brandenburg Gate, Berlin Wall Memorial, and rich cultural heritage. The city offers world-class museums, historic landmarks, and exciting nightlife for travelers from around the world. Berlin Travel insurance ensures protection against unexpected medical costs, trip interruptions, and travel-related emergencies.
Travel Insurance for Berlin →
Popular Tourist Destination Cities in Germany
Rhine River
The Rhine River is one of Germany's most scenic waterways, famous for its medieval castles, vineyards, and picturesque river cruises. Travelers can explore historic towns such as Cologne, Koblenz, and Rüdesheim along its banks. German Travel Insurance provides coverage for medical emergencies, trip cancellations, and unexpected travel disruptions during your Rhine River journey.
Travel Insurance for Rhine River Cruise →
Danube Cruise
The Danube River flows through southern Germany and is a popular destination for river cruises and cultural tours. Visitors can discover historic cities, beautiful landscapes, and charming riverside villages. Having travel insurance for Germany protects you against medical expenses, trip interruptions, and baggage loss while exploring the Danube region.
Travel Insurance for Danube Cruise →
Elbe River
The Elbe River passes through eastern Germany, connecting historic cities such as Dresden and Hamburg. It offers stunning river cruises, cultural landmarks, and beautiful natural scenery. Comprehensive German Travel Insurance helps protect travelers from unexpected medical costs, travel delays, and other unforeseen travel emergencies.
Travel Insurance for Elbe River Cruise →
Baltic Sea
The Baltic Sea coastline in northern Germany is known for its sandy beaches, charming seaside towns, and relaxing resorts. Visitors enjoy sailing, cycling, and exploring historic ports like Lübeck and Kiel. Travel insurance for Germany helps cover unexpected medical emergencies, trip delays, lost baggage, and travel interruptions, ensuring a stress-free coastal vacation.
Travel Insurance for Baltic Sea Cruise →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 quite different, 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 traveler's digestion. 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.
German Travel Insurance - FAQs
- 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 has one of the best healthcare systems in the world, but international tourists are not covered under the German public health system and must pay full costs upfront. A routine doctor visit costs €50–€150, an emergency room visit €200–€500+, and a hospital stay €400–€1,200+ per day.
What US travelers should do: Buy a travel medical insurance plan before departing for Germany. Plans like Atlas International and Patriot International Lite start from $20/month and cover emergency medical expenses, hospital stays, and evacuation. For seniors, GlobeHopper Senior is specifically designed for US travelers aged 65 and older traveling outside the US.
How to 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 $35,000 as of January 2026), 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
Embassy of the United States in Germany
U.S. Embassy in Berlin location_on
AddressPariser Platz 2, 10117 Berlin, Germany
Phone
+49 30 8305 0
Fax
+49 30 8305 1215
Email
[email protected]
U.S. Consulate General in Frankfurt location_on
AddressGiessener Str. 30, 60435 Frankfurt am Main, Germany
Phone
+49 69 7535 0
Fax
+49 69 7535 2277
Email
[email protected]
Embassy of Germany in United States
Germany Embassy in Washington, DC location_on
Address4645 Reservoir Road NW, DC 20007, Washington, USA
Phone
+1-202-298-4224
Fax
+1-202-298-4261
Email
[email protected]
Germany Consulate in Atlanta, GA location_on
AddressMarquis Two Tower, Suite 901, 285 Peachtree Center Avenue, N.E., 30303-1221, Georgia, Atlanta, United States
Phone
+1-404-659-4760
Fax
+1-404-659-1280
Email
[email protected]
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.
Which Travel Insurance for USA from Germany is Right for You?
- Cheapest German Travel Insurance to USA - Safe Travels Advantage from $20/month* (fixed benefit)
- Best Comprehensive Visitor Insurance - Atlas America up to $2M coverage + UnitedHealthcare PPO Most Popular
- Best Insurance for Germany Parents - Patriot America Plus covers acute onset of pre-existing conditions
- Best Travel Insurance for Seniors (70+) - Safe Travels USA Comprehensive coverage available up to age 89
- Pre-Existing Condition Coverage (full pre-ex) - INF Elite X Insurance available for travelers up to age 99
- Looking for more options? - Explore all available Travel insurance plans for travelers from Germany to the USA in one place.
Is Travel Insurance Required for the USA?
The expensive US healthcare system has made visitor medical insurance necessary for all tourists.
Short term travel medical insurance offered on our website is very popular with tourists from Germany. These plans are designed especially for international tourists and work very well in the US hospital system. There are also options available for older travelers as well as travelers with pre-existing medical conditions.
- Compare plans offered by reputed US insurance companies on one screen.
- View premium costs side-by-side for easy decision making.
- Check important details such as co-insurance and renewability.
- Find options with pre-existing condition coverage.
- Access PPO networks for better hospital and doctor choices in the USA.
Travel Insurance from Germany to USA (2026)
Based on price, coverage limits, and traveler reviews, the following plans are the Travel Insurance for USA from Germany.
- check_circle Deductible: $0 only (no higher deductible options)
- check_circle Maximum coverage: up to $150,000
- check_circle Pre-existing: acute onset covered up to age 89
- check_circle PPO network: First Health PPO - direct billing available
- check_circle Evacuation: unlimited emergency medical evacuation
- Visitors Care from IMG
- Visit USA Budget from Travel Insurance Services
- Travel Medical USA Visitor Basic from Seven Corners
- check_circle Deductible: $0 to $5,000
- check_circle Maximum coverage: up to $2,000,000
- check_circle Pre-existing conditions: acute onset covered up to age 80
- check_circle PPO network: UnitedHealthcare - the largest PPO network
- check_circle Maternity: covers complications of pregnancy in first 26 weeks
- Patriot America Plus from IMG
- Travel Medical Basic from Seven Corners
- Safe Travels USA Comprehensive from Trawick International
Medical Insurance for U.S. Citizens Living in Germany Visiting the US
U.S. citizens and expats living in Germany frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA.
Short term travel health insurance in USA for US citizens visiting the country that are designed by IMG a reputed US insurance provider are
Another popular travel insurance for U.S. citizen traveling to USA is Diplomat America insurance by Global Underwriters.
Cost of health insurance for US expats visiting the USA in 2026
Approximate monthly cost of expat health insurance for visiting USA for a 40-year-old traveler with a $100 deductible.
| Travel Insurance USA | Maximum Coverage | Provider Network | Cost |
|---|---|---|---|
| Patriot America Lite IMG | $50,000 |  |
$79 |
| Patriot America Plus IMG | $50,000 | |
$84 |
| Patriot Platinum America IMG | $2,000,000 | |
$161 |
| Diplomat America Global Underwriters | $50,000 | No PPO | $138 |
Source: American Visitor Insurance®
Looking For Travel Insurance For US Citizens Returning Home During War?
US citizens returning home during war or crisis need travel insurance that provides emergency medical coverage, evacuation, and protection for pre-existing conditions. Explore more options for US citizens, including short-term plans and pre-existing condition coverage, in our Best Travel Health Insurance for US Citizens Returning During War or CrisisFactors That Affect the Cost of German Travel Insurance for USA
The cost of visitor insurance for Germany citizens in the USA increase with the age of the traveler. For example, someone in their 30s may pay $20/month for a fixed benefit plan or $60/month for comprehensive. While someone in their sixties typically pays about double, and prices rise even higher for older travelers.
Plans with higher coverage limits (e.g., $100,000 vs. $500,000) or lower deductibles generally cost more.
Plans with higher deductibles are generally cheaper but require you to pay more out of pocket in case of a claim.
Fixed benefit visitor insurance plans are cheaper but only pay set amounts for services but Comprehensive visitor insurance plans are more expensive provides broader coverage of medical expenses and emergencies.
Visitor insurance for Germany citizens in the USA covering full pre-existing conditions or acute onset of existing medical conditions generally cost more.
Longer trips usually increase the total cost of the policy
Emergency medical evacuation, adventure sports coverage, or higher personal liability can lead to increased premium.
New US Health Requirements While Applying for US Visas
The US State Department has directed consular officers across different embassies to consider a visa applicant’s health condition in determining whether the applicant will become a ‘public charge’ of the United States, and therefore, deemed ineligible for a visa.
To minimize the risk of visa rejection and demonstrate preparedness, travelers should purchase comprehensive travel medical insurance before applying for their US visa. Having valid travel medical insurance coverage shows that the applicant can manage any health expenses without becoming a ‘public charge’ or a financial burden during their stay in the U.S.
At American Visitor Insurance, we offer a range of travel medical plans that cover new illnesses, accidents, and acute onset of pre-existing conditions - ideal for visitors applying for U.S. visas.
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