For a trip to Germany, it is inevitable to take out a travel health insurance, since they are compulsory since 2007. Moreover, it is advisable to take out travel cancellation insurances, liability and baggage insurances.
There are three major risk factors, you should look at before your trip abroad:
- costs occurring due to illness (for example a doctor or hospital visit)
- costs which result from a liability (for example the loss of a key or damage in a rented apartment)
Of course, most people do not want to think about such circumstances, but they happen regulary: at any time accidents can happen, they might cause a wound that needs care or even a disease that needs to be treated. Without proper protection that would be a huge cost factor for you, since German Doctors and hospital stays are very expensive.
The travel health insurance is the most important insurance for your long-awaited holiday. It is the best time of the year, where you can forget the otherwise so familiar everyday life and completely unwind. However, since planning the Trip is not only time consuming, but the journey also costs a lot of money, it’s more than annoying when you cannot start your holiday due to unforeseen circumstances. A cancellation insurance will not take away the disappointment over the non-held holiday but it protects you from high travel cancellation costs.
Taking out a travel cancellation insurance is recommendable because if you have an accident while traveling or become seriously ill, you must either cancel your trip or you have to delay the return journey to a later date. The travel interruption insurance protects you against the financial consequences, even if you want to end the journey due to severe illness or death of a close relative.
Whether a baggage insurance is worth taking out depends on the individual case. If you want to travel with expensive devices like laptops, cameras or smartphones, you should consider a baggage insurance. It is important to note that only a limited sums is insured for such devices.