What travel insurance do I need when visiting Germany?

Germany travel insurance: what you need to know when visiting Europe’s diverse powerhouse nation

Germany is the Schengen Area’s most populous nation and is incredibly diverse both in its geography and people, stretching from the industrial towns of the north, to the incredible natural beauty of the south - with the Black Forest and the edges of the Alps providing stunning views. That’s before we discuss the capital Berlin, now reunited but bearing the scars of history, and its impressive monuments like the Brandenburg Gate. With so much to do, it’s better to visit Berlin sooner rather than later, but to do so you will need a Schengen Visa, and therefore travel insurance.

Which countries can I visit with Schengen travel insurance?

Important formalities before leaving for Germany and the need for a Schengen Visa

Citizens of the Schengen Area only require a valid ID card or a passport fewer than five years past its expiry date in order to visit Germany. Children must be registered on the passport of the parent(s) traveling with them or possess their own passport.

If you live in any other country, particularly those without visa-free travel and think you need a visa, you can find more information on the website of the German embassies site: auswaertiges-amt.de/en/aamt/auslandsvertretungen/-/229722.

Travel insurance for Germany that allows you to obtain your Schengen Visa

For third-country nationals who require a visa to enter Germany, you can with a Schengen Visa, without which you will have to request a visa specific to Germany. In order to obtain the Schengen Visa, you must provide documents including passport photographs and accommodation and travel information and take out travel insurance for the Schengen Area. This visa will enable you to move around many European countries with complete freedom during a stay of up to 90 days.

Travel insurance for Germany may also prove very useful in the event of illness or accident. In a short period of time expenses can grow substantially, especially if you plan to go hiking in the mountains, as you have to pay for the emergency services in Germany. Extensive protection allows you to visit Germany with full peace of mind.

Do you cover emergency medical costs related to Coronavirus?

We will cover your medical costs related to Coronavirus provided you haven't travelled against World Health Organisation or any other government body’s advice (Ministry of Foreign affairs or Department of State in the U.S.) in your home country or the country you are travelling to) or medical advice.

The embassy states that I must get an insurance certificate with Covid protection. Is this possible?

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy”.

How to get to Germany

By car

Germany has an extensive road network with some of the most impressive motorways (autobahns) in Europe, as well as some of the world’s best driving roads - all you’d expect from a country whose cars often set the bar for excellence. You must be aware, however, that drivers are required to keep reflective jackets, a warning triangle, headlamp beam deflectors, and a first aid kit in their car if it is registered in Germany.

By plane

Germany’s major airports are located in Berlin, Hamburg, Dusseldorf, Stuttgart, Cologne, and Munich, with all receiving international flights.

By train

Germany has an extensive and comprehensive rail network, with trains reaching 175mph on some high-speed routes. As the central country in continental Europe, Germany connects many of Europe’s countries, and if you are planning to see the continent by rail you will almost certainly pass through.

Advice on health and vaccinations

No vaccinations are required for entry into Germany. However, between spring and autumn, there is an increased risk of contracting illnesses caused by ticks, such as Lyme disease and tick-borne encephalitis (TBE). The areas of highest risk are Baden-Württemberg and Bavaria, as well as certain other regions. TBE vaccinations are recommended for anyone likely to spend a lot of time outdoors, but you can also protect yourself by covering skin when doing so


Overall, Germany has a warm, temperate, wet climate with westerly winds. Extreme fluctuations in temperature are rare. Rain falls throughout the year. Mild winters (2ºC to -6ºC) and moderately hot summers (18ºC to 20ºC) are the norm. However, there may be quite a difference in the weather at certain times of year depending on where you are in this large country.

Discover Germany

Equipped with your Schengen Visa, it will be very easy for you to move around Europe, allowing you to explore Germany, its cities and the countless riches in its countryside:

Berlin: Divided until the destruction of the Berlin Wall in 1989, Germany’s capital now thrives, but has a keen eye on the darker periods of its history. More than any other landmark, the Brandenburg Gate (Brandenburger Tor) is the national symbol for Germany. Built in 1791, it is crowned with the winged goddess of victory riding a four-horse chariot but is famous in recent history for standing between East and West Berlin and being the location of U.S. President Ronald Reagan's iconic speech in 1987, when he demanded: “Tear down this wall”. Now, it sits at one end of the Tiergarten, the huge park bisected by Berlin’s major thoroughfare, the Strasse des 17. Juni.

Berlin has loads of other amazing sights, including Museum Island - a haven for lovers of arts and culture in the middle of the River Spree - while those who like a livelier time can head to one of Berlin’s many underground clubs, which cater to almost every musical taste.

Lovers of beer and sausages can head to Munich and its famous beer halls - and it’s best to do so during Oktoberfest, when six million come from around the world each autumn to indulge their love of Germany’s famous brews.

Cologne's Cathedral (Kölner Dom) is one of Germany's most important architectural monuments and is the third tallest cathedral in the world - its height has to be seen to be believed. It’s no wonder it took over 600 years to construct this Gothic masterpiece, with construction finally finished in 1880.

If rolling hills, small villages, and lush forests are more your thing, visit the Schwarzwald (Black Forest), where you can experience it all. The vast expanse of hills, valleys, and forests stretches from the posh spa town Baden-Baden to the Swiss border, covering an area of 4,600 square miles - all of it full of breathtaking natural beauty that is perfect for walks, biking or driving.


In terms of safety in Germany, it is on the whole, like many places in Europe, generally one of the safer places in the world, despite fears over terror attacks in recent years. Nevertheless, it is important to remain vigilant with regards to potential pickpockets, especially in major cities and tourist hotspots.

Practical information

The German capital is Berlin, where most countries will have their embassy. Check to see where the embassy of your home nation is before leaving in case you need to visit in an emergency.

The main language is German, however, you should be aware that there are many different regional accents and dialects. Many Germans also speak good English, so there should not be any language barriers for many foreign visitors.

The German currency is the Euro.

Cars drive on the right.

Shop opening times are generally Monday to Friday 10:00 a.m. - 8:00 p.m, with reduced hours on a Saturday.

German authorities stipulate you must be able to prove you must have €45 per day to support yourself during your trip.

How can AXA help?

AXA can help by providing you with Low Cost Schengen Area travel insurance that meets your visa requirements when traveling to Germany from as little as €0.99 per day - a fee that will cover you for medical expenses up to €30,000 in all Schengen countries. A certificate proving you are insured will be available immediately, meaning you can get on with your application.

AXA is the number one brand and offers assistance 24/7, as well as other options and tailor-made products. Other coverage available includes our Europe Travel insurance, costing €1.50 per day, or Schengen Multi Trip insurance, which is perfect for regular travelers and available for €298 for a year’s coverage.

The other countries of the Schengen area

Austria travel insurance

Belgium travel insurance

Czech Republic travel insurance

Denmark travel insurance

Estonia travel insurance

Finland travel insurance

France travel insurance

Germany travel insurance

Greece travel insurance

Hungary travel insurance

Iceland travel insurance

Italy travel insurance

Latvia travel insurance

Liechtenstein travel insurance

Lithuania travel insurance

Luxembourg travel insurance

Malta travel insurance

Netherlands travel insurance

Norway travel insurance

Poland travel insurance

Portugal travel insurance

Slovakia travel insurance

Slovenia travel insurance

Spain travel insurance

Sweden travel insurance

Switzerland travel insurance

Frequently asked questions about travel insurance to Germany

If I am only traveling to Germany can I just buy insurance for that country?

If you need a Schengen Visa to travel to Europe then you must obtain travel insurance that covers you in all 26 Schengen countries.

Will my travel insurance fees be refunded if my visa is refused?

Yes. If your visa is refused AXA will refund your insurance fees - subject to conditions- such as providing documentation of the reason for your visa refusal.

I want to buy Schengen travel insurance for my partner and children as a group. Can I do so?

Yes. You can buy for up to 10 people with only one payment.