Travel Insurances for Foreign Citizens

As a travel destination Germany is becoming increasingly popular with 60.3 million overnight stays by foreign guests between the North Sea and the Alps. (Deutsche Zentrale für Tourismus DZT)

Sights for Germany vacationers despite the cultural and historical attractions are sophisticated concert series, art exhibitions and theatrical productions, or maybe the big sporting events on an international level, the street parties and atmospheric Christmas markets, just to name a few highlights. Germans like celebrating and do so a lot. Some popular festivals such as the Oktoberfest in Munich or the Christopher Street Day in Cologne have long become synonymous with good humour and the cosmopolitan atmosphere in Germany.

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Benefits of Travel Insurances

  • In case of illness or accident: Organisation of immediate help
  • Coverage of costs for medical treatments and medically advisable repatriation to the home country
  • First aid in emergencies around the clock
  • Salvage and hospital costs
  • Replacement of baggage

Travel Insurances

Why do I need a travel insurance in Germany?

On 01 April, 2007 Germany has introduced a mandatory insurance coverage for everybody inside Germany. This means that everyone who wants to stay in Germany must have a health insurance policy. Citizens of the Schengen States are protected in Germany via the European Health Insurance Card. Those arriving from a country that is not part of the Schengen Agreement, have to get a private health insurance before their arrival in Germany. If foreigners from non-Schengen countries travel to Germany, they must give proof of a health insurance coverage in their visa application. The German Federal Foreign Office is providing information on whether you need a visa or not.

Important Questions:

Which travel insurances are recommendable?

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)
  • costs resulting from an accident

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.

The benefits of Travel Insurances

These are the most important insurances for all travel purposes

In order to enjoy your stay carefree, your health protection should be extensive. This includes in any case, a 100 percent reimbursement for outpatient and inpatient treatment, prescribed medicines, medical aids and pain-relieving dental treatments.

The repatriation is another important factor that, the cost of repatriation should be covered if repatriation to the home country appears to be medically useful.

Should the policyholder die in Germany, the travel health insurance covers either transfer costs to the home country or burial in Germany. For this purpose, at least 10,000 euros should be insured.

The cancellation insurance makes sense on every vacation, since holidays are never predictable, something unexpected might happen. You might get sick before starting your journey or simple have an important reason to stay at home. This is where the cancellation insurance comes into life. It insures unexpected travel cancellations and helps with covering the costs for those.

While on vacation, you can escape from everyday life and worrying about anything and simply enjoy the beautiful holiday season. But what if the holiday has to be interrupted for health reasons or other problems of a close relative? In this case, the travel interruption insurance provides financial protection for the additional costs.

It must be noted that the cheapest option is not always the best, we recommend comparing insurances online and looking at prices and benefits.

We recommend Baggage insurances, not only for business, but for any traveller who wants to feel secure in the event that baggage is damaged or destroyed or in some way even completely lost. For this reason, the baggage insurance is most suitable for those who are traveling with valuable electronic devices such as laptop, mobile phone or jewelery.

But it is important to note that coverage for valuable objects is limited, sums differ greatly between insurance companies. An insurance comparison helps to find the right insurance coverage for the upcoming trip for every individual case. Comparing online test results can be very important since the cheapest insurance does not necessarily to every individual case.

Travel Insurances

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Travel Insurances in a nutshell

  • In April 2007 Germany introduced mandatory health insurances
  • Tourists from countries that do not belong to the Schengen Agreement need a visa and therefore a health insurance before arriving in Germany
  • Tourists need to protect themselves against high cost exposure
  • Covomo.com helps travellers finding their optimal protection

How can I get an insurance now?

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Here is what our customers say:

“I am quite happy that covomo offers the optimal insurance for me, since I am working abroad regulary.”
Till Heimlich
“Many thanks to the covomo team. I am now looking forward to travelling with my two little children. Everything was very uncomplicated.”
Lis Hannemann-Strenger
“I have found and took out the insurance for my semester abroad in South Africa through covomo”
Tobias Gaertner