Germany is a popular destination not only for tourists and business travelers but also for immigrants beginning new chapters of their lives. Whether you’re visiting Germany temporarily or settling in for the long haul, one crucial aspect of planning your journey is obtaining travel insurance. For immigrants, this type of insurance is more than just a travel formality—it serves as a key safety net that ensures peace of mind throughout your journey and during your early days in the country.
Germany Travel Insurance for Immigrants is essential for those applying for short-term visas, attending interviews or family reunifications, or transitioning into long-term residency. Immigration officials often require proof of adequate travel insurance before granting visas, and failing to have this in place can lead to complications or even visa denial.
This guide provides detailed insight into the purpose, types, benefits, costs, and application process of travel insurance in Germany. Whether you’re still abroad or already navigating life in Germany, this resource will equip you with everything you need to understand and secure the right coverage.
What is Travel Insurance in Germany?
Travel insurance in Germany is a form of short-term or transitional health and emergency coverage designed for non-citizens and immigrants visiting or relocating to the country. It typically covers:
- Emergency medical treatment
- Hospitalization and surgery costs
- Medical evacuation or repatriation
- Accidents and injuries
- Sudden illnesses during travel
- Travel disruptions (optional in some policies)
For immigrants, this insurance bridges the gap until they are covered under public or private German health insurance, which is mandatory for long-term residents and workers.
Why Immigrants Need Travel Insurance in Germany
Immigrants arriving in Germany—whether for work, study, family reunion, or asylum—are often not immediately eligible for public health insurance (Gesetzliche Krankenversicherung). During this initial period, travel insurance is essential for several reasons:
- Visa Approval: German consulates require valid travel insurance for Schengen visa applications.
- Health Emergencies: It provides immediate coverage in case of accidents or sudden illnesses upon arrival.
- Financial Protection: Without insurance, the cost of medical care can be overwhelming.
- Legal Compliance: Lack of insurance may jeopardize your visa status or entry into the country.
Even if your stay is temporary, not having valid travel insurance in Germany can create legal, financial, and personal difficulties.
Who Should Get Travel Insurance in Germany?
Travel insurance is required or highly recommended for the following categories of immigrants and visitors:
- Short-term visa holders (Schengen Visas)
- Au pairs and exchange students
- Jobseekers and freelancers not yet registered with public health insurance
- Family reunion applicants
- Early-stage asylum seekers and refugees
- Immigrants waiting for residence permits
In short, if you’re entering Germany and are not yet covered under the national health system, travel insurance is a must.
Types of Travel Insurance Available in Germany
Travel insurance options vary based on your purpose and length of stay. Here are the most common types for immigrants:
1. Schengen Travel Insurance
- Required for Schengen visa applications
- Valid across all Schengen states
- Minimum coverage of €30,000
- Covers medical emergencies and repatriation
2. Incoming Insurance (Incoming-Versicherung)
- Specifically designed for immigrants, jobseekers, or au pairs
- Covers stays from 90 days to 5 years
- May include extended health and liability coverage
3. Temporary Private Health Insurance
- Used during the waiting period before public insurance enrollment
- Often chosen by expats or students
- Includes broader coverage than Schengen insurance
Some policies also include optional add-ons for lost baggage, trip cancellation, or personal liability.
SEE ALSO: Germany Home Insurance for Immigrants – Live in Germany
Top Travel Insurance Providers in Germany
Here are some of the most reliable companies that offer immigrant-friendly travel insurance policies:
- Care Concept AG – Specializes in insurance for immigrants, students, and au pairs
- HanseMerkur – Offers affordable Schengen-compliant plans
- Allianz Travel – Known for global travel coverage and fast claims
- MAWISTA – Popular among international students and freelancers
- AXA Germany – Offers both temporary and long-term solutions
These providers often have English-language services and customer support to assist non-German speakers.
Cost of Travel Insurance in Germany
The cost of travel insurance depends on your age, duration of stay, and type of coverage:
- Schengen Travel Insurance:
€1 to €3 per day
Ideal for short stays up to 90 days - Incoming Insurance for Long-Term Immigrants:
€25 to €90 per month
Suitable for au pairs, students, or immigrants without immediate health insurance - Comprehensive Private Travel Health Insurance:
€50 to €150 per month
Offers premium coverage for extended visits or residency preparation
Bundled coverage (including liability or trip cancellation) may come at a higher cost.
How to Apply for Travel Insurance in Germany
Applying for travel insurance is relatively straightforward:
- Choose the Right Type
Decide whether you need Schengen, incoming, or temporary private insurance. - Compare Providers
Use platforms like Check24, Tarifcheck, or provider websites to compare prices and features. - Submit an Online Application
You’ll need to provide:- Full name and contact information
- Date of birth
- Country of origin
- Duration of stay and travel dates
- Visa type (if applicable)
- Receive Your Insurance Certificate
A confirmation and policy certificate will be emailed—this document is needed for visa applications and immigration offices.
What Does Travel Insurance Typically Cover?
Here are common inclusions:
- Emergency medical care
- Hospital stays
- Ambulance transport
- Emergency dental care
- Repatriation of remains (in case of death)
- Travel interruption or return travel for medical reasons
- Some include personal liability and accident coverage
Check for any exclusions like pre-existing conditions, risky activities, or pregnancy.
What Happens If You Overstay or Fail to Extend Insurance?
Overstaying your coverage or not renewing your policy on time can have consequences such as:
- Denied visa extensions
- Personal liability for medical bills
- Legal penalties
- Risk to your immigration status
Always make sure your insurance matches the duration of your intended stay.
Common Mistakes Immigrants Make with Travel Insurance
- Using tourist insurance for immigration purposes
- Not reading the policy terms
- Buying from non-certified providers
- Skipping coverage for liability or repatriation
- Underestimating coverage duration needed
Being thorough and choosing certified providers can prevent unnecessary stress later.
Travel insurance may seem like just another item on your immigration checklist, but it plays a vital role in ensuring your safety, legality, and financial security upon entering Germany. Whether you’re coming for a short visit, an extended stay, or the start of a new life, having the right Germany Travel Insurance can make all the difference.
By selecting a reputable provider, understanding what’s included, and making sure your coverage aligns with visa requirements, you take a significant step toward a smooth and protected experience in Germany. Don’t overlook this simple but powerful safeguard as you navigate immigration, healthcare, and life abroad.
