More info on the top Germany travel insurance plans
Advertiser Disclosure
Best Overall
Why We Like It
Tin Leg takes the top spot for insurance when visiting Germany.
Tin Leg Gold offers strong coverage limits at affordable prices and some of the highest customer satisfaction ratings in the industry. If you are looking for a plan that covers you for a bit of everything, this is it.
It’s a great middle-of-the-road option with coverage limits that are high enough for most travelers, destinations, and scenarios. It also comes with primary medical coverage, meaning you won’t need to pay out of pocket and wait for reimbursement from the provider.
It’s no wonder why this plan is consistently one of the top-selling plans among LA Times visitors.
Read our full Tin Leg review here
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Best Value for Robust Coverage
Why We Like It
Seven Corners’ Trip Protection Choice coverage is one of the most robust plans available for its relatively low cost. Comprehensive primary medical coverage comes in at $500,000, covering you for nearly all unforeseen medical emergencies. Complimenting this is Trip Protection Choice’s $1 million in medevac and repatriation coverage, some of the highest levels of medevac coverage on the market.
Along with medical coverage, this plan also offers non-medical evacuation coverage, trip cancellation, interruption, and delay coverage. This complements further clauses such as accidental death & dismemberment coverage, and baggage damage.
Read our full review
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Best for Medical Evacuation Coverage
Why We Like It
The Safe Travels Voyager plan from Trawick International is one of the most highly rated plans on our list. This plan’s high coverage limits make it an attractive option for anyone traveling to Germany. The plans primary medical coverage comes in at $250,000 and its medical evacuation coverage tops a hefty $1 million - covering nearly all medical evacuation possibilities
The Safe Travels Voyager plan also offers both trip cancellation and trip interruption covering 100% and 150% of the costs respectively. This plan provides coverage for both domestic and international acts of terrorism and optional coverage to cancel your trip for any reason.
Travel delay coverage comes in at $3,000 and it also offers $2,500 per person and $300 per item, on any baggage delays and loss.
- Excellent medical coverage limits
- Up to $2,500 baggage coverage included
- Covers quarantine accommodation expenses
- Baggage delay coverage only kicks in after 8 hours
- CFAR only covers 75% of the insured trip cost
Covers Pre-Existing Conditions
Why We Like It
The Worldwide Trip Protector plan from Travel Insured International is another pan on our list that is perfect for those traveling with a pre-existing condition. Pre-existing conditions are automatically covered with this plan if the coverage is purchased within 21 days of the trip deposit.
This plan is also renowned for its 100% coverage of the insured trip cost due to cancellation and 150% of the insured trip cost due to interruption. The Worldwide Trip Protector plan will pay out $1,500 for trip delays and $500 for baggage delays - simply after only 3 hours’ worth of delays.
Medical coverage from the Worldwide Trip Protector plan is also an attractive perk. This includes $100,000 worth of medical coverage and 1 million worth of evacuation coverage.
Read our full review
- Travel delay coverage kicks in after just six hours
- Generous $150,000 non-medical evacuation coverage
- 24/7 emergency travel assistance included
- CFAR and IFAR coverage not included
- Baggage delay coverage only kicks in after 12 hours
- No rental car coverage
Best Coverage for Seniors
Why We Like It
John Hancock’s Gold plan is a fantastic insurance plan for those with pre-existing conditions looking to travel to Germany. Automatically included in the coverage, this plan allows elder travelers to be free from the stresses of pre-existing conditions that may hinder them with other providers. Alongside this perk, the Gold plan also offers both trip cancellation and trip interruption coverage worth up to 100% and 150% of the trip cost.
John Hancock’s Gold plan provides top-of-the-range coverage when it comes to all things medical. This plan offers medical emergency coverage worth up to $250,000 and $1 million in coverage for emergency medical evacuation and repatriation of remains - some of the highest across the market.
- Travel delay coverage kicks in after just three hours
- Generous coverage for emergency evacuation and repatriation of remains
- Optional CFAR upgrade available
- Baggage insurance comes with generous limits of up to $2,500
- Terror attack coverage included
- Baggage delay coverage requires a 12-hour waiting period
Best for Adventure Sports
4.2
iTravelInsured Travel LX Basic
Why We Like It
IMG’s iTravelInsured Travel LX Basic plan is a great selection of coverage for those vacating in Germany. Its medical coverage worth $500,000 is a figure that covers you for most medical emergencies and being a primary coverage, you will not end up out of pocket while receiving your care. Medical evacuation coverage is a fantastic $1,000,000 per person and there is also an added bonus of $50,000 worth of non-medical evacuation coverage included.
Those partaking in sports and leisurely activities throughout their German vacation will be pleased to know that IMG’s iTravelInsured Travel LX Basic plan provides a wide range of sports-related coverage. This includes sports equipment delay coverage worth $2,000 and $10,000 worth of search and rescue coverage.
- 10-day money back guarantee
- Generous limits for trip delays, emergency evacuation, and more
- 24/7 emergency travel assistance included
- Coronavirus-related medical expenses covered
- Rental car coverage included
- Recently developed pre-existing conditions may not be covered
- CFAR and IFAR coverage only available as an add-on with premium plans
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