Travel Insurance for Germany: Why EU-Based Policies Are Essential for Your Visa
If you are applying for a German visa—whether for work, study, tourism, or family reunification—travel insurance is a mandatory requirement. Without valid insurance, your application will not be processed. While many people consider buying insurance from their home country, the reality is that only EU-based insurance policies are consistently accepted by German embassies and consulates.
This guide explains why travel insurance is necessary, the differences between EU and non-EU insurance policies, average costs, and the benefits of choosing an EU-based provider.
Travel Insurance: Annual plans starting from €25 for individuals and €44 for families. See our plans
Why Travel Insurance Is Required for a German Visa
- Mandatory by law – All Schengen countries, including Germany, require non-EU visitors to have medical insurance that covers at least €30,000.
- Visa security – Proof of insurance is a core document for every visa application.
- Emergency coverage – Accidents, illnesses, or hospital stays can be costly in Germany. Insurance ensures you are protected.
- Peace of mind – With proper coverage, you avoid unexpected costs and border entry issues.
EU vs Non-EU Travel Insurance: Key Differences
|
Feature |
EU/German-Based Insurance |
Non-EU Insurance |
|---|---|---|
|
Visa Acceptance |
Always accepted by German embassies |
Sometimes rejected if not Schengen-certified |
|
Coverage Standard |
Complies with Schengen minimum (€30,000) + repatriation |
May not meet EU requirements |
|
Price Range |
Approx. €30 – €90 per month |
$50 – $120 per month, but risk of embassy rejection |
|
Validity |
Easy to extend inside Germany |
Extensions are often complicated outside the EU |
|
Claims Handling |
Direct in Europe, faster reimbursement |
Claims may be slower or processed abroad |
|
Multi-Country Coverage |
Covers all Schengen states |
May be limited to Germany only |
The difference is clear: EU-based insurance saves time, avoids rejection, and offers smoother support once you arrive.
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Why You Should Choose EU/German-Based Insurance
- Guaranteed embassy acceptance – You avoid the risk of a visa refusal.
- Meets all legal requirements – Covers medical expenses, emergencies, and repatriation.
- Cheaper in the long run – No wasted money on rejected non-EU policies.
- Family-friendly – Dependents, children, and spouses can be insured under the same plan.
- Seamless support in Germany – Local hospitals and clinics recognise EU-based policies.
- Future flexibility – Easy to switch from short-term travel insurance to long-term health insurance when you receive residence.
Average Cost of Travel Insurance
- Students: €30 – €50 per month
- Workers/Visitors: €50 – €90 per month
- Families/Dependents: Varies by age and size of family, usually €120 – €200 per month for a family of three
While non-EU policies may look similar in price, they often fail embassy checks, leading to extra costs and delays.
Why get travel insurance?
Our annual travel insurance can be used for unlimited trips of up to 56 days each.
Worldwide coverage
Avoid costly medical expenses outside Germany and get worldwide coverage for all your trips. With the premium plan, you'll also have coverage for trip cancellation & partial cancellation and lost or damaged luggage.
Great value for money
From just €25/year with a zero deductible, Feather's Trancee offers the coverage you need at a great price.
Travel Insurance Plan Comparison
|
Feature |
Basic Plan |
Premium Plan |
|---|---|---|
|
Worldwide coverage (excluding Germany & countries with active travel bans) |
✔️ |
✔️ |
|
Health (medically required treatments) |
✔️ |
✔️ |
|
Cancellation & partial cancellation |
❌ |
✔️ |
|
Lost or damaged luggage |
❌ |
✔️ |
|
Events caused by large-scale conflicts (e.g., war, civil unrest, strikes, government confiscation) |
❌ |
❌ |
Get Covered for All Your Upcoming Travels It only takes 3 minutes. Get covered
Health Insurance Plan Comparison
|
Feature |
Basic Plan |
Premium Plan |
|---|---|---|
|
Doctor or hospital visits (no limits) |
✔️ |
✔️ |
|
Overnight hospital stays (no limits) |
✔️ |
✔️ |
|
Pre-existing conditions |
❌ |
❌ |
|
Medication, dressing and aids (prescribed by doctor) |
✔️ |
✔️ |
|
Basic dental treatments (pain relief, fillings, repair) |
✔️ |
✔️ |
|
Advanced dental care (implants, orthodontics, crowns, etc.) |
❌ |
❌ |
|
Pregnancy complications |
✔️ |
✔️ |
|
Massages and physiotherapy (prescribed) |
✔️ |
✔️ |
|
Psychotherapy treatments (including psychoanalytical) |
❌ |
❌ |
|
Vaccinations |
❌ |
❌ |
|
Preventative treatments (check-ups, blood tests) |
❌ |
❌ |
|
Search and rescue (up to €15,000) |
✔️ |
✔️ |
|
Medical transport in a foreign country (to the nearest hospital/doctor) |
✔️ |
✔️ |
|
Medical transport to home country (conditions apply) |
✔️ |
✔️ |
|
Repatriation or funeral costs |
✔️ |
✔️ |
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Cancellation and Partial Cancellation Comparison
|
Feature |
Basic Plan |
Premium Plan |
|---|---|---|
|
Cancellation and partial cancellation |
❌ |
✔️ |
|
Delayed start to the trip |
❌ |
✔️ |
|
Ending your trip early (curtailment) |
❌ |
✔️ |
|
Trip interruptions |
❌ |
✔️ |
|
Delayed return from the trip |
❌ |
✔️ |
Get Covered for All Your Upcoming Travels It only takes 3 minutes. Get covered
What Isn't Covered in Travel Insurance
|
Not Covered |
Details |
|---|---|
|
Pre-existing conditions |
Treatments required for illnesses known before the start of the journey. |
|
Advanced dental care |
Includes implants, orthodontic treatment, cleaning, crowns, inlays, splints, and functional treatments. |
|
Precautionary measures |
Vaccinations, preventative blood tests, and other precautionary treatments. |
|
Travelling despite official warnings |
No coverage if the German government issued a travel warning before departure. |
Travel Insurance: Annual plans starting from €25 for individuals and €44 for families. See our plans
20 FAQs About Travel Insurance for Germany
Do I need travel insurance for a German visa?
Yes, it is compulsory for all non-EU nationals.
What is the minimum coverage required?
At least €30,000, including repatriation.
Will the embassy accept insurance from my home country?
Not always. If it's not EU-ified, it may be rejected.
Is travel insurance required for dependent visas?
Yes, every family member must be covered.
Can I buy insurance after arriving in Germany?
No, you must have it before your visa is issued.
Is student travel insurance cheaper?
Yes, student policies are usually less expensive than worker or visitor plans.
Can I extend my insurance while in Germany?
Yes, EU-based policies are easy to extend.
Does travel insurance cover COVID-19?
Most EU policies now include COVID-19 treatment.
What happens if I don't have an ID at the border?
You may be denied entry.
Do children need insurance?
Yes, minors must also be insured.
Can I cancel my policy if my visa is rejected?
Yes, many EU insurers allow cancellation with proof of refusal.
Does travel insurance cover all Schengen countries?
Yes, EU policies cover the entire Schengen Area.
Is dental treatment included?
Emergency dental care is usually covered.
What if my stay in Germany is longer than 90 days?
You must switch to long-term health insurance once you have residency.
Do embassies check the insurance certificate?
Yes, they verify coverage and provider validity.
Can I use travel insurance for permanent residency?
No, you will need statutory or private health insurance later.
What if I overstay my insurance period?
You risk uncovered bills and visa issues. Always match insurance dates with your visa.
Is insurance mandatory for Schengen short-stay visas, too?
Yes, even for tourism or business trips.
How do I show proof to the embassy?
You will receive a certificate with your policy that must be submitted with your visa application.
Can my family and I be covered under one plan?
Yes, family policies are available; however, each member must be named individually.
Final Thoughts
Travel insurance is not just a formality—it is a crucial safeguard when applying for a German visa. While it may be tempting to buy a cheaper policy from your home country, only EU-based insurance guarantees embassy acceptance, legal compliance, and reliable coverage.
Whether you are travelling alone, joining your family, or applying for a dependent visa, choosing the right insurance ensures your visa process is smooth and your stay in Germany is secure.
Tip: Always arrange your insurance before booking your visa appointment to avoid last-minute stress or rejection.
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Final Thoughts
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