Travel insurance
Travel insurance for Germany
Short-trip cover for visits to Germany: emergency medical, trip-cancellation, luggage, the usual travel-insurance stack. Designed for weeks-not-years stays.
Germany has no dedicated digital nomad visa, but its freelance "Freiberufler" residence permit makes Berlin a serious long-stay base for self-employed remote workers. The catch that trips people up is insurance: for the permit, foreign travel or "nomad" cover is not accepted, and you need German statutory or comparable private health insurance. Tourist visits from the US, UK, Canada and Australia stay visa-free for 90 days.
What travel insurance covers in Germany
Travel insurance is built for short trips (under 3 months), vacations, weekend trips, gig travel. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Germany situation you care about.
What you get
- Emergency medical and dental
- Trip cancellation and interruption
- Lost or delayed baggage
- Travel-document theft
- Adventure-sport add-ons (some plans)
What it won't do
- Routine care, chronic-condition management
- Maternity, mental-health
- Trips longer than the policy's max (often 90 days)
What care costs in Germany
A taste of what travel insurance protects you from. The full local cost breakdown lives in the Germany guide.
| Private or self-pay GP consultation | €40 to €70 |
|---|---|
| Specialist consultation (self-pay) | €80 to €150+ |
| Ambulance call-out | roughly €300 to €600 |
Travel insurance in Germany: FAQ
Germany doesn't usually require visitors to carry travel insurance for short stays, but the moment something goes wrong it's cheaper to have it than to buy at the hospital. Check the visa-class requirements for your specific situation.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Germany guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Germany: answer a few honest questions and see only what's relevant.
Other insurance for Germany
Different stages of nomad life need different cover. Here's the full set we've mapped for Germany.
Get matched with travel insurance for Germany
Three minutes of honest questions, then we'll show you the travel insurance options that actually fit your situation in Germany.
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