An unexpected flight cancellation or illness can leave you with thousands of euros in unexpected costs.
Travel insurance makes sure that your health isn’t dependent on your wallet and that your luggage isn’t left to the mercy of airlines.
However, finding the right travel insurance can be overwhelming and time-consuming.
That’s why we’ve done the research for you.
We compared over 15 of the best travel insurance providers in Germany (see our methodology below) and shortlisted the ones that offer the best value.
The best travel insurance companies will:
- Protect your health abroad
- Cover unexpected trip cancellations
- Safeguard your luggage from loss or damage
- Most importantly, a support team that answers your questions quickly and solves your problems even faster.
If you’re new to this policy, check out our guide on how travel insurance works before choosing the best plan for your needs.
Disclaimer
This article reflects our independent assessment and should be considered alongside your criteria for determining the “best” travel insurance. Consulting with an insurance broker may be more beneficial than relying solely on this article to find a plan that truly meets your needs.
Our rankings are based on a structured methodology, which we recommend reviewing to ensure it aligns with your priorities.
Insurance plans, pricing, and reviews are subject to change. The information in this article was last updated on March 6, 2025.
With that out of the way, let’s get started.
Where to start looking for the best travel insurance in Germany
| Company | Recommended for | Starting price | Trustpilot rating |
| Feather | English speakers | €2.08 (monthly) | 4.8 out of 5 |
| HanseMerkur | Single-trip insurance | €19 (per trip) | 2.8 out of 5 |
| DKV | Affordability | €9.9 (yearly) | 1.4 out of 5 |
Feather: Recommended for English Speakers
| Pros | Cons |
| ✅English support available | ❌Minimum 1-year contract |
| ✅App helps submit your claims in minutes | ❌Must be younger than 65 years old |
| ✅You can take out the insurance anytime before the start of your travel (even the day of) | ❌Only residents in Germany can take out the insurance |
| ✅€0 deductible |
Sample rate
We obtained these quotes directly from the company’s website.
| Basic | Premium | |
| For individuals | €2.08 | €9.92 |
| For families (up to 2 adult and 7 children under 25) | €3.67 | €16.25 |
Our take
Feather is the best-rated travel insurance in Germany, earning 4.8 out of 5 on Trustpilot.
While the one-year contract may not be ideal for infrequent travelers (who might want to explore other options in this post), it makes the policy surprisingly affordable.
Feather’s coverage levels are high, with benefits like €2,000 in trip cancellation protection on the Premium plan.
And, it also stands out with a €0 deductible, meaning you won’t have to cover any costs out of pocket before your insurance kicks in.
Medical coverage is particularly strong—doctor visits, hospital stays, and most other treatments have unlimited coverage.
That means you’re protected even in high-cost destinations like the U.S., where a simple ambulance ride could set you back $1300.
Disclaimer:
You should note that this is our list, so our recommendations are not entirely impartial. However, we believe we’ve earned a top spot in our ranking with 7+ years of experience, tens of thousands of customers, and an undying passion for insurance. Yet, we encourage you to review our terms and conditions, explore other options, and talk to an insurance professional to obtain advice tailored to your circumstances.
HanseMerkur: Recommended for single-trip insurance
| Pros | Cons |
| ✅Can be taken out for only one trip | ❌Expensive if you travel often |
| ✅€0 deductible | ❌Maximum travel period of 10 days |
| ✅Travel cancellation and curtailment insurance can be purchased separately | ❌2.8 out of 5 rating on trustpilot |
| ✅English speaking support available |
Our take
HanseMerkur’s single-trip travel insurance stands out for its affordability and extensive coverage, making it a solid choice for single-trip insurance.
The travel insurance plan includes 100% reimbursement for essential medical expenses, including:
- Outpatient and inpatient treatments
- Ambulance transport
- Prescription medications
- And medical aids (excluding vision and hearing devices).
It also provides full coverage for pregnancy-related exams, complications, and premature births. Should the worst happen, HanseMerkur also covers funeral expenses abroad or the repatriation of remains up to the full cost.
The travel cancellation and curtailment insurance (which you have to buy seperately) is also highly customizable.
You can adjust your coverage based on how much you want to insure and even opt for add-ons like the Active-Holiday Plus package—ideal for skiers and adventure travelers. With it, if your equipment gets damaged or you’re unable to participate in your planned activities, you’re covered.
With its competitive pricing and extensive benefits, HanseMerkur’s single-trip insurance is a great option for travelers seeking reliable coverage for an upcoming holiday.
Disclaimer:
This recommendation is based on the information available and our understanding of HanseMerkur’s offerings. We advise reviewing the terms and conditions, exploring other options, and consulting with an insurance professional to obtain advice tailored to your circumstances.
DKV: Recommended for affordability
| Pros | Cons |
| ✅No maximum age limit | ❌1.4 out of 5 rating on trustpilot |
| ✅Most affordable insurance in our rating | ❌No English support available |
| ✅Great value overall | ❌Only travel health insurance available (no cancellation, curtailment or luggage insurance) |
Our take
The ReiseMed Tariff RD Individual plan by DKV is the most budget-friendly option in our review, delivering solid coverage at an affordable price.
It’s a good choice for travelers looking for health insurance abroad without overspending.
That said, there are a few trade-offs.
The plan has the lowest search and rescue coverage among our top picks, capped at €10,000.
Additionally, non-German speakers may find customer support challenging, as English assistance is extremely limited.
DKV’s online reputation is also worth noting.
With a Trustpilot rating of just 1.4 out of 5, customer satisfaction appears to be a weak point.
Still, if affordability is your top priority, this plan remains a strong contender.
Disclaimer:
DKV offers a range of plans, meaning plans other than ReiseMed Tariff RD Individual may offer better value for your individual circumstances. We advise you to review their website to obtain all the information we were unable to share in this article and to contact an insurance broker to determine the best travel insurance for you.
Methodology
To compile our list, we followed the following research process to evaluate each insurance provider objectively:
1. Selecting contenders
We began by consulting our internal insurance experts, who identified 15 potential providers based on industry reputation, market presence, and coverage offerings.
2. Policy comparison
We obtained quotes and sample policies for each company’s plans to ensure an accurate comparison. We reviewed approximately 35 policies, analyzing their structure, benefits, and exclusions.
3. Policy analysis
We carefully examined the fine print of each policy, focusing on the following key factors:
- Pricing – How competitively priced the plans are compared to the market average.
- Coverage Details – What is included in the plan and the level of protection offered.
- Exclusions – What specific scenarios, conditions, or claims are not covered.
- Coverage limits – The maximum payout or reimbursement allowed under the policy.
- Deductibles – The out-of-pocket costs policyholders must pay before coverage applies.
4. Customer satisfaction assessment
To gauge overall customer satisfaction, we analyzed reviews on Trustpilot. While online reviews are inherently subject to bias—negative experiences are more frequently reported than positive ones—this provided us with a helpful proxy for customer satisfaction.
Readers may also choose to explore reviews on platforms such as Google Reviews, Yelp, and others for a more comprehensive understanding.
We last reviewed and updated our ratings based on these sources on March 6, 2025.
5. Customer support
To assess the accessibility and quality of each company’s customer service, we conducted 10 calls over three weeks, reaching out at different times and on different days. Our goal was to determine:
- Response time and availability
- Whether the company could connect us to an English-speaking representative
Conclusion
And that’s our list of what we think are some of the best travel health insurance options available to German residents.
We’ve provided a thorough breakdown, but the most unbiased feedback often comes from other travelers.
Before you decide, take a look at customer reviews to ensure the plan aligns with your travel needs, budget, and expectations.
Even better, speak with an insurance expert to find the best coverage for your specific travel plans.
If you’re unsure how travel health insurance works, check out our travel insurance guide to help you navigate the essentials.
Wondering if Feather’s travel plans are right for you?
Contact our team, or drop your questions below, and we’ll get back to you as soon as possible!
