Travel Insurance for Schengen Visa Germany

Germany is a country made up of 16 states, and each has its own natural charm. Berlin, the capital of Germany, is a large, modern city where the main historical landmark, the Berlin Wall, is not to be missed. You should know that if you need a Schengen visa to visit Germany, you must take out travel insurance before applying.

Germany is one of the safest countries in the world. Even so, you should always prepare for unforeseen circumstances, and one of the things that should be on your list is taking out travel health insurance. Not only is travel insurance a requirement for the Schengen visa application, it is also a good precaution ahead of your trip.

In this article we will answer questions you may have about travel health insurance for the Germany Schengen visa.

What is Germany Visa travel insurance?

The application process for a Germany Schengen Visa requires you to have travel insurance that meets several requirements.

Whenever you travel, you must be prepared to deal with any accident, illness, or mishap that may occur. Taking out travel insurance is one of those simple preparations, and is mandatory to apply for a Schengen visa for Germany and other member states.

Travel medical insurance protects you against financial consequences arising due to accidents, COVID-19 infection, or other things that may arise during your trip.

Who needs Schengen travel visa insurance?

Anyone who needs to apply for a Schengen visa for Germany, must have travel insurance that meets all the Schengen requirements. During the application process, applicants must present proof of insurance. Without travel insurance, the Schengen visa application is automatically rejected.

Even if you can enter Schengen countries without a visa, it is always advisable to travel with insurance. It usually covers medical expenses and other benefits such as medical assistance and emergency services.

Can I apply for a Germany Schengen Visa without insurance?

No, it is mandatory for everyone that will apply for a Schengen visa to have a valid travel insurance policy, irrespective of the purpose of their trip to Germany.

Germany Schengen visa insurance requirements

A Schengen visa travel insurance policy must meet the following requirements:

• Have a minimum insurance coverage of EUR 30,000 per person.

• It should not only cover Germany, but the entire Schengen area.
• The insurance must cover the entire duration of your trip.
• It must cover unforeseen emergency medical expenses for accidents, illnesses, hospital treatments or emergency evacuations and medication, plus expenses required for repatriation in case of death.

What else does travel health insurance cover?

Usually, a travel health insurance policy covers the following:

• Medical emergencies: Medical costs for medical visits and medication, hospitalization, accidents, and surgeries.

• Emergency medical evacuation or repatriation: If the person has to be evacuated to their home country due to a medical emergency, the insurance may cover all expenses, such as air travel. The insurance covers all repatriation expenses if the person dies due to an accident or medical emergency during the trip.

• Trip interruption or cancellation: If you have to cancel the trip due to an emergency or return before the end of the trip, the insurance may reimburse part of the expenses.

• Trip delays and missed connections: If the flight is delayed, the insurance may cover food and lodging for the duration of the delay, or if you miss a connecting flight due to the delay, the insurance may cover the next available flight.

• Lost or delayed baggage: If baggage does not arrive at your destination, arrives damaged, or is lost, the company may cover expenses related to your luggage.

Do travel medical insurance plans cover COVID-19?

Some travel insurance companies cover COVID-19 treatments during a trip if the traveler complies with the requirements of the World Health Organization. The health insurance will cover medical treatment, medication, and, if necessary, hospitalization in the case of COVID-19 infection.

How to get Germany travel insurance online

It is a straightforward process to purchase travel insurance. Some Europe travel insurance companies let you apply online and meet all the requirements to apply for your Schengen visa. Some of the best travel medical insurance for Schengen visas are offered by Europ Assistance or AXA.

If anything, choose a travel insurance company that is recognized by European embassies and consulates. If your Schengen visa has been rejected, they offer to cancel the policy free of charge.

Besides meeting the visa requirements, carefully read what each plan covers before deciding. It must match your needs and the purpose of your trip.

Costs for Germany Schengen travel insurance

Although the benefit of purchasing it is greater than the expenses involved, it is also essential to consider the following factors when reviewing Schengen insurance costs:

• The insurance cost is higher for those over 65 years of age.

• Travel insurance companies offer several options for obtaining insurance: per day, per week, per month, or year. The cost may depend on the duration of your trip.

• When you apply for travel insurance, in addition to medical coverage, you can extend the range for other factors such as lost luggage, flight cancellations, adventure sports, etc. Depending on the scope, the cost may increase.

COVID-19 requirements and restrictions in Germany

All COVID-19 entry restrictions to Germany have been lifted. Entries to Germany will again be permitted for all travel purposes, including business and tourism.

Where can I contact you?

Our excellent customer service team is available 24/7 via online chat, to answer additional questions you may have about the German visa requirements. You can also email us at [email protected].