 travel insurance trip cancellations hero image

medium_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

small_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

thumbnail_Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

Do-You-Really-Need-Travel-Insurance-for-Trip-Cancellation.png

Do You Really Need Travel Insurance for Trip Cancellation?

You’ve booked your flights, lined up the cosiest Airbnb and your holiday “to\-pack” list is coming together nicely. 


Whether it’s a weekend city break or a longer escape between remote working gigs, the countdown is well and truly on. 


But as any seasoned traveller knows, life doesn’t always go to plan.


An illness, a work emergency or even a cancelled event can suddenly derail your perfectly scheduled itinerary. When the unexpected happens, travel insurance for trip cancellation stops being a nice\-to\-have and becomes a trip\-saver.


For digital nomads, freelancers, and expats living abroad, travel insurance makes spontaneous living a whole lot less risky. 


In this guide, we break down exactly:


- What trip cancellation insurance covers
- When you really need it
- And how to find a policy that fits your lifestyle.


## What exactly is trip cancellation insurance?


Trip cancellation insurance is your financial safety net when your travel plans fall through before departure. 


It reimburses you for non\-refundable expenses like flights, hotel bookings, or prepaid tours if you have to cancel due to specific, unexpected events.


That means you don’t lose your entire investment if you get sick, lose your job, or have a family emergency that forces you to pull the plug on your holiday. 


It’s not just about peace of mind — it’s about not paying twice for the same trip.


## What does trip cancellation insurance cover?


Most reputable trip cancellation insurance policies will protect you against:


- Family emergencies or a death in the family
- Natural disasters or extreme weather that make travel impossible
- Unexpected job loss or a mandatory job obligation
- Legal or civic duties, like jury duty or court appearances
- Sudden illness or injury (for you or a travel companion)


Some policies go the extra mile by also offering “Cancel For Any Reason” (CFAR) coverage for maximum flexibility, particularly ideal for digital nomads whose travel plans are as fluid as their Wi\-Fi connections.


## What doesn’t trip cancellation insurance cover?


Even the very [best travel insurance policies](https://feather-insurance.com/blog/best-travel-insurance-germany/) have their limits. Most policies won’t reimburse you if you choose to cancel your planned trip because:


- You have changed your mind.
- You had a pre\-existing condition that was not disclosed in the policy.
- There was a change in your work schedule (unless covered).
- You missed your visa window.


It pays to always read the fine print — and if you don’t want to read the fine print, choose an insurer who will explain everything very simply.


## Who actually needs trip cancellation insurance?


Not every trip will require premium travel insurance coverage. 


However, if you’re spending some serious money on non\-refundable bookings, travelling long distances, or have any uncertainty around your schedule, it’s a sensible investment.


**You probably don’t need it if:**


- You’re travelling on a budget with fully refundable bookings.
- You’re flexible with dates and destinations.
- You’re using a credit card with decent built\-in coverage.


**You probably do need it if:**


- You’ve booked expensive flights or accommodations that aren’t refundable.
- You’re a freelancer or self\-employed.
- You’re travelling during cold/flu season or during a health crisis.
- You’re travelling with family, especially kids or elderly relatives.


### Why digital nomads and expats need travel cancellation insurance


When your office is anywhere with solid Wi\-Fi, flexibility isn’t just a perk — it’s a way of life.


But with that freedom comes unpredictability… 


Plans shift. Contracts change. Visas take unexpected turns. A client suddenly needs your time in person. Or maybe a family situation back home means rescheduling everything.


If you’re a digital nomad or long\-term expat, you’re likely booking international flights, long stays, and transport between multiple cities — all of which can come with high upfront, non\-refundable costs. 


Travel insurance for holiday cancellation gives you the confidence to book ahead, knowing that if life interrupts your itinerary, you’re not stuck footing the entire bill.


It’s not just about worst\-case scenarios either. It’s about supporting the lifestyle you’ve chosen. 


A missed opportunity shouldn’t also mean a missed rent payment. Trip cancellation coverage helps protect your travel investment so you can say “yes” to new adventures or last\-minute pivots without hesitation.


Feather’s [travel insurance](https://feather-insurance.com/travel-insurance) is especially well\-suited to this way of life. It’s fully digital, so you can manage everything from your phone — whether you’re in a Berlin coworking space or savouring the flavours of San Sebastian. 


And, with real human support that never leaves you stranded, it’s peace of mind you can actually count on. Think of it as part of your essential remote\-work toolkit, right alongside your backup charger and noise\-cancelling headphones.


## What makes Feather different?


There are many travel insurance providers out there, but if you’re looking for a policy that’s flexible, transparent, and digital, Feather could be the right partner.


Here’s why:


### 100% digital, zero paperwork


Forget printing forms or mailing documents. Feather is built for modern travellers: expats, nomads, and everyone who lives life through their phone. Sign up in minutes, manage your policy online, and get proof of insurance at your fingertips.


### Honest, human support


Feather’s support team isn’t paid on commission, so they’ll never try to upsell you or push a policy you don’t need. They’re real people who listen and guide you toward the right coverage for you — no fluff, no jargon.


### Real coverage for the realities of travel


Feather’s travel insurance includes trip cancellation as part of its comprehensive offering, alongside emergency medical, repatriation, and baggage loss. You’ll get the coverage protection you need, whatever happens.


### Trusted by expats across Europe


Feather is designed by and for people living internationally. Their experience with European healthcare systems and visa requirements means they know the ropes—and how to keep you covered from the day you book to the day you return.



## How much does trip cancellation insurance cost?


Surprisingly, less than you think. 


Travel insurance from Feather starts at just €25 a year for travel health insurance only. Or for €120 a year, cancellation protection, health coverage, luggage insurance, and more are included. 


When you’re investing hundreds or even thousands in a holiday, a few extra euros a day for insurance is a very small price to pay for a backup plan.


And with Feather, you won’t pay hidden fees or get caught up in confusing pricing tiers. It’s simple, transparent, and entirely online.


## Ready to travel smarter?


Trip cancellation insurance isn’t about being pessimistic—it’s about being practical. 


It’s for travellers who understand that plans change, life happens, and not everything goes to script. It’s for people who want freedom to explore the world, knowing they won’t be left financially stranded if things take an unexpected turn.


If you’re living abroad or working remotely, you already know the value of flexibility. So why not give yourself the flexibility to cancel without stress?


Don’t let uncertainty ruin your plans—or your bank account. Get travel insurance that works as hard as you do. Visit Feather Insurance today and discover digital\-first, people\-focused coverage designed for real life on the move.


Because the only thing better than booking your next adventure is knowing it’s protected.

In less than 2 minutes, all online and in English.

Sign up for travel insurance

Always helpful in a pinch.

Feather is my go-to.

Fast claims, friendly support

Other policies

[BP] travel insurance trip cancellations

medium_Travel-Insurance-for-Schengen-Visa-What-You-Need-to-Know.png

small_Travel-Insurance-for-Schengen-Visa-What-You-Need-to-Know.png

thumbnail_Travel-Insurance-for-Schengen-Visa-What-You-Need-to-Know.png

Travel-Insurance-for-Schengen-Visa-What-You-Need-to-Know.png

Travel Insurance for Schengen Visa: What You Need to Know

Planning a European adventure? 


Whether you’re a full\-on digital nomad, a backpacker with a Eurail pass or just ready for a much\-needed holiday, there’s one thing you’ll definitely need if you’re not from the EU: a Schengen Visa.


And with that comes the inevitable “do I really need travel insurance?” question.


Simply put? 


You can’t afford to overlook it. 


If you are applying for a Schengen visa, it’s essential that you get travel insurance that includes travel health insurance (aka travel medical insurance). 


Yet understanding Schengen travel insurance doesn’t need to be complicated. 


Whether you’re embarking on a short trip or a longer stay, the right insurance will keep you covered and give you the freedom to roam without constant worries.


In this article, we’ll examine:


- Why you need travel insurance
- What it should cover
- And how to choose the best policy so you can focus on enjoying your time in Europe.


## What is the Schengen Area?


The Schengen Area is a group of 27 European countries that have abolished internal borders, making it incredibly easy for travellers to hop from one country to another without the hassle of multiple passport checks.


The Schengen Agreement, signed in 1985, has since become one of the cornerstones of European travel. It includes most EU countries and a few non\-EU nations, such as Norway, Iceland, and Switzerland. 


However, some EU countries, like Ireland, are not members of Schengen, and some Schengen countries are not EU members, so it’s essential to double\-check [the complete list](https://www.auswaertiges-amt.de/en/visa-service/buergerservice/faq/17-schengenstaaten-606722) before you plan your trip.


While the Schengen Area makes travel across Europe easier than ever, if you’re not a national of an EU or Schengen member state, you will need a Schengen Visa to enter. 


And to secure that visa, you need to have [travel insurance](https://feather-insurance.com/travel-insurance).


## Why you need travel insurance for a Schengen visa


First things first: it’s not optional. 


Travel insurance is a legal requirement if you’re applying for a Schengen Visa. The policy must provide a minimum coverage of €30,000 and be valid for the entire length of your stay in the Schengen Area. 


Without proof of insurance, your visa application may be denied, no matter how perfectly you’ve planned the rest of your trip.


But beyond ticking an important box on your application form, travel insurance is your essential safety net. 


From flight cancellations and lost baggage to unexpected medical issues, the right plan can save you in a big way when it comes to out\-of\-pocket expenses. 


Healthcare in many European countries can be extremely expensive for non\-residents, and without insurance, even a minor accident like a broken bone could result in bills that run into thousands of euros.


But beyond the legalities and financial risks, skipping travel insurance means forfeiting peace of mind. 


Travelling without the right insurance in place is like walking a tightrope without a safety net. Whether you’re strolling through the streets of Paris or hiking the Alps, knowing you’re covered allows you to fully immerse yourself in the experience, rather than worrying about the “what ifs.”


## Why is travel insurance so important?


Travel is all about adventure and discovery, but even the best\-laid plans can hit unexpected bumps. 


Whether you’re settling into a new life abroad or hopping from city to city as a digital nomad, things don’t always go smoothly. That’s where travel insurance comes in. It’s your trusted backup when life throws the unexpected at you.


Yet travel insurance is also a requirement when applying for a Schengen Visa for five very good reasons:


1. **Trip cancellations:** If something happens before your trip, such as an unexpected illness or a family emergency, travel insurance can reimburse you for non\-refundable expenses. Similarly, if you need to cut your trip short, your policy can cover cancellation fees, accommodation costs and much more.
2. **Baggage loss and theft:** Digital nomads will often pack gear that is worth thousands —laptops, cameras and gadgets galore. If any of these go missing, your travel insurance should reimburse you for the loss, making it easier to replace the essentials and get back to business as quickly as possible.
3. **Medical coverage:** No one plans on getting sick or injured during their travels, but if it happens, you don’t want to be caught off guard by sky\-high medical bills. In most European countries, medical expenses can be expensive for non\-residents, so having health travel insurance for Schengen visa (aka medical travel insurance) ensures you’re covered for any emergency care, doctor visits, or hospital stays you might need.
4. **Emergency evacuation and repatriation:** In the unlikely event that you need to be evacuated — whether it’s due to a severe illness or an unforeseen emergency — your insurance can cover the cost of getting you back home safely. This kind of coverage is truly invaluable.
5. **General protection:** Whether it’s a flight delay or a minor hiccup in your travel plans, having insurance gives you a safety net. When things go off the rail, it’s much better to be covered than to have to scramble for solutions.


## How to choose the right travel insurance for your Schengen visa


It’s clear that travel insurance is a must for your Schengen Visa, but how do you choose the right one? 


Picking the right travel insurance for your Schengen visa is hugely important — it makes sure you meet all the visa rules and keeps you covered if anything goes wrong with your health or money while you’re travelling.


1. **Meet the minimum coverage requirements:** Be sure to check that your insurance policy covers at least €30,000 in medical expenses and repatriation. This is the minimum requirement, and anything less won’t cut it for your visa application.
2. **Compare policies:** There are plenty of travel insurance providers, but not all policies are created equal. Compare coverage, exclusions, and prices from different providers to find a policy that best fits your needs as an expat or digital nomad.
3. **Look for 24/7 support:** When you’re travelling and away from home, you want an insurance provider that offers around\-the\-clock support. You don’t want to be scrambling around for information in the middle of the night when something goes wrong, so choose a provider that’s easy to contact in case of emergency, wherever you are.
4. **Know the exclusions:** Every insurance policy has exclusions — things that aren’t covered. Common exclusions usually include pre\-existing medical conditions, high\-risk activities like extreme sports, or travelling to countries with political instability. Make sure you understand what your policy covers and what it doesn’t, and ask questions if you’re not sure..
5. **Consider your needs:** If you have a chronic health condition or you’re planning to engage in certain higher\-risk activities such as skiing or scuba diving, make sure your insurance covers those specific situations before you travel. Extra coverage might cost you a little more up\-front, but it can save you a lot of time, money and stress in the long run.
6. **Check for country\-specific requirements:** Some Schengen countries may have specific insurance requirements. Double\-check the specific visa rules for the country you’re applying to and make sure your insurance ticks all the boxes.
7. **Look at the claims process:** If you do need to make a claim, you’ll want a smooth and easy process. The best insurance providers will give you the help you need with efficient and easy claims handling, so you’re not stuck with unnecessary bureaucracy when you need help most.


## Your travel safety starts here


Travel insurance for your Schengen Visa is a vital step in preparing for a smooth and worry\-free journey through Europe. 


Whether it’s medical coverage, trip cancellation, or emergency evacuation, the right travel insurance ensures you’re protected no matter what unforeseen events may arise during your trip. It’s essential for your safety and peace of mind while exploring the Schengen Area.


Don’t leave your travel plans to chance. Make sure your trip is covered from every angle by securing the right insurance policy.


Take the first step towards a safe, enjoyable trip. Your next adventure begins with Feather.

Get short-term expat health insurance

2 years of amazing service

Made my life so much easier

[BP] travel insurance schengen visa

Your Guide to Travel Insurance in Germany (2025)

Today’s post will provide you with a comprehensive overview of [travel insurance in Germany](https://feather-insurance.com/travel-insurance).


We will cover:


- What travel insurance is
- If you need it
- Its benefits and coverage
- And much more


So, if you are planning a trip abroad and are wondering if this insurance is right for you, you’ll love this one.


Let’s begin.


## What is travel insurance?


Travel insurance is an insurance product designed to shield you from the financial risks of traveling outside Germany. 


There are usually 4 types of travel insurance:


- Travel cancellation insurance
- Travel cancellation insurance (Insurance professionals call it curtailment or holiday guarantee)
- Travel health insurance
- Luggage insurance


Here’s how they compare from a bird’s eye view:




| **Type of Insurance** | **When does it apply?** | **Benefits** | **Rates** |
| --- | --- | --- | --- |
| **Travel Health Insurance** | If you need medical care during your trip | Reimbursement of outpatient and inpatient treatment costs. | From  €1\.10 per day |
| **Travel Luggage Insurance** | If your luggage or its contents are damaged or stolen | Reimbursement of lost/damaged luggage and parietal reimbursements of electronics (e.g., laptop) | From  €1\.50 per day |
| **Travel Interruption Insurance** | If you have to stop your trip unexpectedly | Expenses for returning to Germany will be reimbursed, as reimbursements for expenses paid for the days not spent on holiday. | From  €4\.00 per day |
| **Travel Cancellation Insurance** | If you cannot start your trip | Reimbursement of cancellation and rebooking fees | From  €5\.00 per day |


You can choose to opt for only one type or combine them. We recommend the latter because you pay just a little more but protect yourself to a much greater extent. For example, at Feather, when you combine all 4 insurances into one yearly policy, you only pay around **€0\.30 per day.**


Let’s dive into each of them in more detail.


## Travel health insurance (travel medical insurance)


Travel health insurance provides coverage for healthcare needed during trips within or outside the EU, where statutory health insurance may not fully cover expenses abroad. Health insurance abroad typically covers immediate necessary treatments, but reimbursements are limited to what would be paid for similar treatment in Germany.


This type of insurance is highly recommended for trips outside Europe, such as to the USA, due to potential high medical costs.


The coverage would include:


- Out\-patient medical treatment
- In\-patient medical treatment
- Dental pain relieving treatment, like simple fillings and repair of existing dentures
- Medication, Dressing \& Aids
- Massages and physiotherapy
- Medical transport, including the cost of transport for an accompanying traveler
- Search and rescue operations
- Repatriation and medical transport back home, if reasonable.


## Luggage insurance


Travel luggage insurance covers the loss, damage, or destruction of luggage (and its contents) during trips, including stays at destinations and arrivals or departures.


Coverage specifics, such as which items are insured and reimbursement amounts, vary among insurers, so it’s crucial to review the policy details. Typically, all personal\-use items are insured, including what you buy during the trip. Feather’s insurance can cover up to €2,000 in total value for your luggage and €4,000 for groups.


Travel luggage insurance applies in these scenarios:


- Robbery or theft
- Car, bus, flight accidents
- Fire, heavy weather conditions, including floods, earth slides, earthquakes, and explosions.
- Damages and delays caused by a transportation company
- Fees for replacing identity cards, passports, motor vehicle documentation, and other types of ID


## Trip interruption insurance


Trip interruption insurance applies when you need to cancel or cut short a trip due to unforeseen and serious reasons after it has begun. The extent of coverage varies based on the insurance provider and the specific policy. However, early return costs (e.g., return flights) and unused travel expenses (e.g., hotel stays) are almost always covered.


Trip cancellation insurance always kicks in if your trip extends unexpectedly (e.g., due to health issues preventing flying). It typically covers additional accommodation and return travel expenses incurred during the additional stay.


Here are some scenarios where our travel cancellation insurance would be applicable:


- Sudden death of a close relative or traveler.
- Illness or serious accidents.
- Missed return flight due to public transport delay of at least 2 hours.
- In case of severe property damage, like fire or burglary.


## Travel cancellation insurance


Travel cancellation insurance protects travelers from unforeseen events that could disrupt their plans and result in financial loss. Imagine preparing for a long\-anticipated vacation, only to face an unexpected event that forces you to cancel at the last minute. Without travel cancellation insurance, you might lose the money you invested in the trip.


With travel cancellation insurance, you can receive reimbursement for costs resulting from unforeseeable circumstances that prevent you from taking your trip. Many insurance plans also cover the costs of rebooking.


These are the most common scenarios where our travel cancellation insurance kicks in:


1. **Getting sick:** If you or a travel companion falls ill, you can cancel your trip and receive a refund.
2. **Having an accident:** An unexpected injury makes it impossible to travel; you’re covered.
3. **Losing your job:** If you lose your job, you can cancel your trip without financial loss.
4. **Exam retakes:** If they are scheduled during your planned trip, you can cancel or reschedule.
5. **Public transportation delays:** If a delay makes you miss your flight, you can get reimbursed.
6. **Unexpected court summons:** if you’re legally required to appear in court, you’re also insured.


## How much does travel insurance cost?


Travel insurance premiums in Germany can vary between providers. Most providers offer dynamic pricing based on:


- Age: Older individuals generally face higher costs.
- Coverage limits: coverage is proportional to the amount you will pay for travel insurance.
- Duration of the policy: yearly policies are cheaper than trip\-specific ones.


At Feather, however, we price our policies only on coverage and the number of people insured:




|  | Basic | Premium |
| --- | --- | --- |
| Cost per year | €25 – €44 | €119 – €195 |
| Medical health insurance | ✅ | ✅ |
| Trip cancellation and partial cancellation | ❌ | ✅ |
| Luggage insurance | ❌ | ✅ |



[Get travel insurance](https://feather-insurance.com/travel-insurance)

## When should you get travel insurance?


### Medical health insurance is highly recommended for all of your trips, even those in Europe.


This is because your German [statutory (public) health insurance](https://feather-insurance.com/blog/public-health-insurance-germany-guide/) does not have great coverage abroad. For example, public health insurance would not cover search and rescue operations, which can cost thousands of euros.


Moreover, it will only cover the price of the procedure in Germany. For example, treating a bone fracture in the USA could cost up to €40,000, but in Germany, only around €10,000\. This means that without travel health insurance you would pay the difference out of pocket. 


 For these reasons, we recommend getting medical health insurance if you plan to travel.


### Travel cancellation and trip interruption insurance is recommended for expensive or frequent trips


Travel cancellation and trip interruption insurance is highly recommended for costly or frequent trips. 


It’s particularly important if you have booked an expensive trip because it protects you from paying hefty cancellation fees if life forces you to cancel your plans. This is especially crucial when traveling with older adults or children, as they are more susceptible to unexpected illnesses. 


In the end, the more expensive your trip is or the more people are involved, the more beneficial this insurance becomes. 


Plus, if you travel frequently, the likelihood of travel disruptions increases, making this insurance even more valuable. Therefore, if you travel often or have planned an expensive trip, consider our yearly travel insurance plan to protect yourself and reduce your financial exposure.


### Luggage insurance for those who want complete peace of mind


While airlines and tour operators typically cover up to €1,500 for damaged luggage, luggage insurance offers additional protection. This type of insurance is especially useful if you’re traveling with expensive items like musical instruments, as it covers your bags for the entire journey.


Still, you should keep your most valuable possessions either at home or in your carry\-on to keep them safe. 


## How to get travel insurance in Germany


1. **Research and compare coverage:** Look into different travel insurance options. We recommend Feather’s travel insurance for German residents but use comparison websites to confirm which policy best suits your needs.
2. **Compare prices:** Decide what coverage you require. You can either request a quote or, like Feather’s insurance, get an instant price. Ensure the cost matches your age, desired coverage, and number of people covered. It’s worth mentioning that single\-trip plans are more affordable than annual plans, starting at 10 euros. However, if you plan to travel more than twice a year (or for more than two weeks), annual plans offer far better value.
3. **Check reviews:** It’s important to check the reputation of your preferred company. You want one that’s on your side when you need it the most, not one you need to fight against.
4. **Complete the application:** Once you’ve chosen a provider, fill out their application form. Submit any required documents as instructed.
5. **Get covered:** If your application is accepted, your provider will issue a policy outlining your coverage, premiums, and terms. Carefully review and understand the policy details.


## Travel Insurance FAQ







### How do I use my travel health insurance?

In the event of an accident or illness, you are fully covered to visit any doctor you choose. Just make sure to keep all the documents that you are given, including invoices (correctly named and addressed), referrals, prescriptions, and anything else.


There is an emergency phone number for events that might be too expensive to pay upfront. Your insurance company will pay the hospital directly if needed.


To make a claim, head to your Feather account and click on the claim button.





### When should I purchase travel medical insurance?

You must apply for your travel insurance policy on the day or before you travel. You cannot sign up after you have left the country or once you have determined that you need medical treatment abroad. If you need travel insurance for a visa abroad, you should also apply at least 4 working days before your visa appointment.





### When should I purchase travel cancellation insurance?

You must purchase your policy either more than 30 days before the trip or within three days after booking the trip.





### Does travel health insurance cover my family, too?

Travel medical insurance policies often cover your family members who are traveling with you. They may also allow a family member to join you if you’re hospitalized.


“Family” usually means spouses, children, siblings, parents, and grandparents. However, Feather’s policy is much more flexible: our family plan covers two adults and up to 7 children. These individuals don’t need to be related or live in the same place; they just need to be named in the policy.





### How do I cancel travel insurance? 

Feather’s plan is an annual policy. You can cancel anytime, up to one month before the end of the contracted year. The pending amount for the full yearly premium will be charged, and your policy will stay active until the end of the year. It will not be renewed for the next year.

[BP] travel insurance germany guide

Couple checking travel insurance coverage on phone

medium_Outbound_travel_insurance_2.png

small_Outbound_travel_insurance_2.png

thumbnail_Outbound_travel_insurance_2.png

Outbound_travel_insurance_2.png

What is the Best Travel Insurance in Germany? Our top 3

An unexpected flight cancellation or illness can leave you with thousands of euros in unexpected costs.

[Travel insurance](https://feather-insurance.com/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](https://feather-insurance.com/blog/travel-insurance-germany-guide/) 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](https://www.trustpilot.com/review/feather-insurance.com) |
| HanseMerkur | Single-trip insurance | €19 (per trip) | [2.8 out of 5](https://www.trustpilot.com/review/www.hansemerkur.de) |
| DKV | Affordability | €9.9 (yearly) | [1.4 out of 5](https://de.trustpilot.com/review/beitragsrechner.dkv.com) |

## 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](https://www.trustpilot.com/review/feather-insurance.com) 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](https://www.verywellhealth.com/why-an-ambulance-costs-so-much-4093846).

**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](https://www.trustpilot.com/review/www.hansemerkur.de) 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](https://de.trustpilot.com/review/beitragsrechner.dkv.com) 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](https://trustpilot.com/review/beitragsrechner.dkv.com), 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](https://feather-insurance.com/blog/travel-insurance-germany-guide/) to help you navigate the essentials.