Germany Travel Insurance for Immigrants – Insurance in Germany

Germany stands out as one of the most popular destinations for immigrants, offering abundant opportunities for work, education, and a higher standard of living.

However, moving to a new country brings challenges, one of the most important being healthcare protection.

Whether you’re relocating for a job, studies, or family, securing the right travel insurance is a critical step in ensuring a safe transition to life in Germany.

Travel insurance not only protects you during your journey but also helps fulfill visa requirements and provides essential medical coverage until you transition to Germany’s healthcare system.

This comprehensive guide explores everything immigrants need to know about travel insurance in Germany — from types of coverage to practical tips for choosing the right policy.

Why Travel Insurance is Essential for Immigrants in Germany

Travel insurance is more than a formality; it’s a vital protection that safeguards you financially and legally during your initial stay. Here’s why it matters:

1. Medical Emergencies

Germany boasts world-class healthcare services, but for visitors and new immigrants without statutory insurance, medical treatments can be costly. Travel insurance covers:

• Emergency medical treatments

• Doctor consultations

• Hospital stays

• Prescription medications

Until you are enrolled in Germany’s public or private healthcare system, travel insurance ensures you are protected against unexpected medical bills.

2. Visa Compliance

For non-EU/EEA immigrants, presenting proof of valid travel insurance is mandatory when applying for a German visa. The insurance must cover medical costs up to at least €30,000, including repatriation for medical reasons or death.

Without this proof, visa approval is not possible.

3. Protection During Travel

Travel disruptions are common. A good travel insurance plan covers:

• Flight cancellations or delays

• Lost, stolen, or damaged baggage

• Travel interruptions

This coverage ensures financial compensation for unforeseen events during your relocation journey.

Types of Travel Insurance for Immigrants in Germany

The type of travel insurance you need depends on your length of stay, visa type, and personal circumstances. Here’s a breakdown:

1. Short-Term Travel Insurance

Ideal for: Stays up to 90 days (tourists, business visitors, short-term students)

Coverage typically includes:

• Emergency medical care

• Hospital stays

• Emergency evacuation or repatriation

• Trip cancellations or interruptions

• Lost luggage and personal belongings

Short-term insurance is often sufficient for those entering Germany on a Schengen Visa.

2. Long-Term Travel Insurance

Ideal for: Stays exceeding 90 days (students, skilled workers, family reunification)

Coverage includes:

• Extensive medical protection

• Dental emergencies

• Repatriation and evacuation

• Personal liability insurance

• Extended travel disruption coverage

Long-term policies bridge the gap until immigrants transition into the German healthcare system.

3. Expatriate Health Insurance

Ideal for: Immigrants planning permanent or long-term stays.

Expatriate insurance often mirrors Germany’s public and private health insurance and covers:

• Inpatient and outpatient treatments

• Prescription drugs

• Preventive care (vaccinations, health screenings)

• Maternity and postnatal care

• Mental health services

Many expats initially use travel insurance before switching to a local insurance provider once their residency status is finalized.

Germany’s Healthcare System and Immigration

Eventually, immigrants staying long-term in Germany must enroll in the country’s healthcare system:

Public Health Insurance (Gesetzliche Krankenversicherung – GKV)

• Eligibility: Employees earning below €69,300 per year (2024), students, pensioners, and other categories.

• Coverage: Comprehensive, including general practitioners, specialists, hospital care, dental care, and prescription medications.

• Cost: Approximately 14.6% to 15.6% of your gross income, shared between you and your employer.

Private Health Insurance (Private Krankenversicherung – PKV)

• Eligibility: Self-employed individuals, high-income employees, students, and certain others.

• Coverage: Broader services than GKV (e.g., private hospital rooms, faster specialist access).

• Cost: Premiums based on age, health status, and coverage level—not income.

Until you qualify for public or private healthcare, valid travel insurance is your primary safety net.

Key Factors When Choosing Travel Insurance for Germany

Choosing the right travel insurance is essential to ensure full protection during your stay. Here’s what to look for:

Coverage Amount

• Minimum €30,000 medical coverage is mandatory for visa purposes.

• Opt for higher coverage (€50,000–€100,000) for comprehensive protection.

Medical Services

Ensure the plan covers:

• Emergency hospitalization

• Surgery

• Prescription medication

• Doctor consultations

• Specialist referrals

If you have pre-existing conditions, confirm whether additional coverage or special terms apply.

Policy Duration

The policy must cover:

• Your full travel period

• Possible visa processing delays

• Transition time into the public or private insurance system

Long-stay immigrants should select policies that can be easily extended if needed.

Repatriation and Evacuation

Essential coverage includes:

• Medical evacuation to your home country in case of serious illness

• Repatriation in case of death

Without this, costs can reach tens of thousands of euros.

Additional Benefits

Consider plans offering:

• Trip interruption/cancellation

• Lost luggage coverage

• Personal liability coverage (especially important if you accidentally cause injury or damage to others)

• Maternity care, if applicable

How to Buy Travel Insurance for Germany

Purchasing travel insurance is simple and usually completed online:

Step 1: Compare Providers

Use trusted platforms to compare plans. Top providers for Germany include:

• Allianz Travel Insurance

• AXA Assistance

• World Nomads

• Cigna Global

• Dr-Walter Insurance

Compare based on coverage, costs, exclusions, and customer reviews.

Step 2: Fill Out Application

Provide accurate information, including:

• Full name

• Date of birth

• Travel dates

• Destination country

• Existing medical conditions (if applicable)

Step 3: Payment and Documentation

• Pay via secure online portals.

• Receive a Certificate of Insurance immediately or within 24 hours.

• Print the certificate — you’ll need it for your visa application and during your travels.

Using Travel Insurance Once You Arrive in Germany

Once you are in Germany:

Seeking Medical Care

• Contact your insurance provider’s emergency hotline for assistance finding approved doctors or hospitals.

• In case of emergency, seek immediate care and inform your insurer afterward.

Paying for Services

• Some hospitals require upfront payment.

• Keep all receipts, medical reports, and pharmacy bills for claims.

Filing Claims

• Contact your insurer’s claims department.

• Submit all required documents (invoices, receipts, reports) promptly.

• Follow up if necessary to ensure timely reimbursement.

Transitioning to German Health Insurance

Once you secure a residence permit or employment:

Public Health Insurance Registration

• Mandatory for most employees and students.

• Employers typically arrange registration.

• Choose a provider such as TK, AOK, or Barmer.

Private Health Insurance Selection

• Suitable for high-income workers or self-employed individuals.

• Leading private insurers include Allianz, Debeka, and AXA.

Note: Proof of enrollment in health insurance is required to complete your residence permit process.

Final Thoughts

Travel insurance is an indispensable part of your immigration journey to Germany. It provides essential protection against medical emergencies, travel disruptions, and legal issues — while also ensuring compliance with visa requirements.

By selecting the right policy tailored to your needs, you can arrive in Germany with confidence, knowing that you are protected from the unexpected.

As you settle into your new life, transitioning from travel insurance to Germany’s robust public or private health system is your next step to maintaining comprehensive health coverage.

With proper travel insurance in place, you can focus on building your future, embracing new opportunities, and enjoying all that Germany has to offer — safely and securely.