Travel insurance for Germany

It depends on your nationality. If you are required to apply for a Schengen Visa to enter Germany, travel insurance covering at least €30,000 in medical expenses is a mandatory requirement.

For citizens of visa-exempt countries (such as the USA, UK, Canada, and Australia), travel insurance is not legally required for entry. However, it is highly recommended. German medical care is costly, and without insurance, you are personally liable for all expenses, including potential medical repatriation, which can cost tens of thousands of euros.

Germany is generally very safe and stable. Violent crime is rare, but you should be aware of a few specific risks:

• Petty theft: Pickpocketing is common in major transport hubs (like Frankfurt Hauptbahnhof or Berlin Alexanderplatz), especially during crowded events like Oktoberfest or Christmas markets.
• Protests and strikes: Transportation strikes (trains and airports) can occur, occasionally disrupting travel plans.
• Outdoors: If you are hiking in Bavaria or the Black Forest, be aware of ticks, which can transmit Lyme disease or TBE.

• Visa-free travelers: Citizens of the USA, UK, Canada, Australia, Japan, and many others do not need a visa for tourist stays of up to 90 days (within a 180-day period).
• Visa-required travelers: Citizens of countries not on the exempt list (such as India, China, South Africa, etc.) must apply for a Schengen Visa before arrival.

Germany’s healthcare facilities are excellent, but they operate on a strict payment basis. If you are not an EU resident with a European Health Insurance Card (EHIC), you may be asked to pay for treatment upfront, even for emergencies.

Having Heymondo Travel Insurance means you have a financial safety net. We can often arrange direct billing with hospitals so you don't have to pay out of pocket, or we will reimburse you quickly if immediate payment is unavoidable.

Yes, tourists can generally drive in Germany with a valid foreign driver’s license for up to six months. However, driving on the Autobahn requires extra caution due to high speeds; while some sections have no speed limit, the recommended speed is 130 km/h.

Also, be aware that winter tires are mandatory by law during icy or snowy conditions. If you rent a car in winter, ensure it is properly equipped to avoid heavy fines and safety risks.

If you need to contact your insurance company from Germany, you simply have to call the 24-hour assistance platform. Through our exclusive app for clients, you can make free calls if you have an internet connection, chat with the medical team, or process any other incidents that occur during your trip (transport delays, baggage issues, etc.) right from the palm of your hand.