Travel Insurance for a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
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Planning a German adventure is all about indulging in the food and top notch German beers, as well as hiking in the Bavarian Alps, and taking in the arts, culture, and history at one of Germany’s 6,200 museums covering every topic imaginable, including mustard. Before you take off, you may want to consider travel insurance to ensure that any hiccups to your plans don’t pack a knockout punch.
- What’s covered?
- Why should I consider travel insurance when visiting Germany?
- What to look out for when traveling around Germany?
- What’s not covered?
What’s covered?
Once your trip is locked in, next on the travel list to consider should be an insurance policy. If it’s an afterthought, that’s alright too, you can still get a policy if you’ve already set off.
World Nomads offers two plans – Standard and Explorer – each provides different levels of coverage depending on your Country of Residence and what level of cover you need. Here are some of the highlights our cover provides for:
- Extended stays.
- Emergency overseas medical.
- Cancellation and interruption coverage.
- Baggage and personal belongings coverage.
- Cover for more than 150 activities, sports and experiences.
- Cover for some Coronavirus-related events.
- Rental vehicle insurance.
- Single, duo, or family plans.
Why should I consider travel insurance when visiting Germany?
As exciting as a trip to this part of Europe is for most, as with all travel not everything always goes without a hitch. If landing in Deutschland after a lengthy flight from the US or further afield only to realize your luggage hasn’t arrived with you; twisting your ankle while traversing the cobbled streets in Bremen; or the thought of your travel buddy contracting Coronavirus (COVID-19) pre-trip give you the jitters, travel insurance could lessen the financial burden.
Our Emergency Assistance Team is available 24/7 and can assist with letting you know if attending a hospital is medically necessary, help you locate the nearest medical facilities (this can be beneficial in out of the way places), liaise with your treating doctor to make sure that your treatment plan is appropriate, and assist with language barriers you may face.
What to look out for when traveling around Germany?
Although mostly a safe destination, the unexpected can trip us up here just as it can anywhere. In this part of the world, pickpocketing and bag snatching are common concerns, especially when in crowded areas, so it’s best to be wary of your surroundings and belongings.
Scams are also prevalent, particularly at railway stations and riots and demonstrations can be disruptive. If you’re injured, have your possessions stolen, or your plans are cancelled due to unexpected extreme weather events, your World Nomads policy may be able to help.
Each of the two levels of cover – Standard and Explorer – offer different benefits, limits, and sub-limits, so it’s best to compare them to see which suits you best. Here is a brief sample of what we cover depending on your Country of Residence and the plan you’ve selected. Please check your policy wording for our complete list:
- For loss or theft of personal belongings or for digital nomads traveling with tech gear, both levels of cover offer compensation, depending on the circumstances.
- If you’re all set to road trip along a section of the 8,197-mile Autobahn, our Explorer Plan covers rental car excess in the event you have an accident (terms and conditions apply).
- Adventure-seekers are advised to list the activities they are planning to undertake in the policy detail. Higher risk activities may require an additional premium.
- In the case of COVID-19, if you or a member of your traveling party are diagnosed with the virus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements. The COVID-19 diagnosis must be made after policy purchase. For all the details including benefit limits and exclusions under our Coronavirus cover, check out our Coronavirus cover article.
What’s not covered?
Some things we don’t cover include:
- Pre-existing medical conditions as explained in your policy wording.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a US Department of State or your local government’s ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
- Illness associated with a failure to comply with preventative measures for the travel region, as outlined by the World Health Organization.
- Loss or damage to luggage due to age, wear and tear, loss of value. Damage to sporting equipment caused while in use.
- Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
This is not a full list of what’s covered and what’s not; please check your policy wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: USD $10,000
- Standard Plan: USD $5,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Overseas Medical Insurance
Take the pain out of medical costs while traveling overseas.
- Explorer Plan: Unlimited, up to 12 months
- Standard Plan: USD $5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
We'll get you to hospital quickly.
- Explorer Plan: USD $500,000
- Standard Plan: USD $500,000
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: USD $3,500
- Standard Plan: USD $2,500
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption
- Resumption of Trip
- Travel Delay
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident (Explorer)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)
Before your trip, check the latest government advice for any travel alerts for your destination.