Traveler Insurance Comparison Germany 2026 -2027

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  • Which Insurance Do You Actually Need?

    Travel insurance is not one single policy. Depending on your trip, you may need protection for medical emergencies, cancellation costs, trip interruption or baggage.

  • Travel Baggage Insurance

    Can protect your luggage against certain insured cases of theft, loss or damage.

  • Annual Travel Insurance

    Can cover multiple trips during the insurance year, depending on the tariff.

  • International Health Insurance

    Protects you against certain medical costs abroad and may include medical repatriation.

  • Travel Cancellation Insurance

    Helps cover cancellation costs if you cannot start your trip because of an insured event.

Do I need travel insurance if I have German health insurance?

German health insurance does not automatically cover all medical costs abroad. Depending on your destination, additional travel health insurance may be useful. Read more →

What is the difference between cancellation and interruption insurance?

Cancellation insurance applies before your trip starts, while interruption insurance applies after your trip has already started. Read more →

Is annual travel insurance worth it?
Annual travel insurance can be useful if you travel several times a year. Compare the number of trips, maximum trip duration and benefits before choosing a policy. Read more →
Does travel insurance cover lost luggage?
Travel baggage insurance can cover certain cases of lost, stolen or damaged luggage, depending on the policy and its coverage limits. Read more →

 

What should I check before a road trip?

Check your car insurance, roadside assistance, countries covered, deductible, important documents, and emergency contacts.

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Is telematics car insurance worth it?

Telematics may be relevant if you are comfortable sharing driving data in exchange for a possible driving-related benefit.