Travel Insurance for Germany
From skiing in the Bavarian Alps to experiencing Berlin’s nightlife, learn how insurance for Germany could help Canadian travellers.
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- Do I need travel insurance for Germany?
- Travel insurance for activities in Germany
- Travel insurance for medical emergencies in Germany
- Travel insurance for lost luggage in Germany
- Road safety on the Autobahn and in general
- Travel insurance for cancelled, interrupted, or delayed trips to Germany
- Tips for travelling to Germany from Canada
What’s the first thing that comes to mind when you think of Germany? Storied forests, towering mountains in the Alps, fairytale castles like Neuschwanstein, charming towns such as Baden-Baden—famous for its spas— and wandering through festive Christmas markets with glühwein in hand, among other magical winter experiences, all come to mind for us. Of course, sloshing pints of beer at boisterous Oktoberfest celebrations, dancing your heart out at Berlin’s infamous clubs, summer techno festivals, and sampling local culinary specialties like sauerkraut, pretzels, and currywurst are not to be forgotten. Whatever your ideal trip looks like, Germany offers an eclectic art and music scene, natural beauty, and a diverse history.
Despite all the fun to be had in Germany, you can bet we’ve seen all sorts of travel insurance claims from Canadians travelling there. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote and purchase travel insurance for Germany before you set forth on your journey.
Do I need travel insurance for Germany?
World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft of your baggage or a missed connection due to inclement weather that grounds your flight, for example.
Travel insurance for Germany can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as rock climbing in Bavaria.
Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip.
We have two plans to choose from for different types of travellers and adventures.
Travel insurance for activities in Germany
Whether you’re planning to ski or snowboard in the Alps or take a long-distance hike through the Saxon Switzerland forest, World Nomads travel insurance covers Canadians for over 250 activities in Germany. Rock climbing the crags of Frankenjura, kayaking on Bavaria’s mountain rivers and lakes, and cycling through the region of Rhoen are all covered under travel insurance for Germany.
It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.
Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both of our Standard and Explorer Plans. To have coverage for adventurous sports, work, and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium at the time you purchase your policy.
Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.
Remember, travel insurance does not cover everything – for example, travel insurance will note cover you for any losses or expenses if you are intoxicated.
Travel insurance for medical emergencies in Germany
Whether you have an accident while tackling the Alpspitz Ferrata or sustain an injury while surfing the Eisbach River in Munich, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Germany.
In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.
The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Germany, including assisting you with language barriers and finding the best places to seek medical treatment.
Travel insurance for lost luggage in Germany
Lost or stolen bags is never something we plan for, but these things do happen. Did you arrive in Munich but your bag packed with your winter gear for your ski vacation didn’t? The first step is to contact the airline. If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens and your bag is missing for 12 hours or more, your travel insurance for Germany could still reimburse you for a change of clothes and toiletries, until you and your bag are reunited.
While Germany is generally considered safe, pickpocketing or theft can happen anywhere. It’s important to be mindful of your belongings on crowded metros and busy markets. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. The Standard and Explorer plans each have different limits.
In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help with translation services during an emergency.
Road safety on the Autobahn and in general
You may be interested in taking Germany’s legendary Fairy Tale Route ("Märchenstraße"), which stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea, or simply cruising between different German cities. If you’re planning a long road trip on the Autobahn, there are some rules of the road to be aware of. Drivers can go as fast as they want in de-restricted sections of the highway, although this doesn’t necessarily mean you should drive as fast as you want. The German government recommends a speed of about 130kph. World Nomads travel insurance includes emergency medical coverage that could assist you if you are injured in an accident. You will want to make sure to purchase car rental insurance separately, as this is not covered
Travel insurance for cancelled, interrupted, or delayed trips to Germany
Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable travel expenses.
Trip cancellation and Trip interruption coverage can help protect you in case of emergencies before your leave, or back home in Canada after you’ve departed. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, pre-paid travel expenses (up to plan limits) that you can no longer use.
Tips for travelling to Germany from Canada
As much as you may have planned each detail of your German adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Germany before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.
It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few German words and phrases will also go a long way!
Finally, you may also want to read up on some local tips and destination inspiration for non-touristy spots to check out in Germany. This way you can experience the lesser-known side of this European country rich in history, cultural festivities, and mountains.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamTravel insurance when visiting the United Kingdom
Everything European Travellers Should Know for a Smooth British Getaway
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The United Kingdom, a land where ancient history meets modern charm. You could be tracing the footsteps of literary greats in the Lake District or plunging 160 feet toward the River Tees on a bungee jump, before the cord pulls you back to reality. The United Kingdom truly offers something for every European nomad. Whether your flavour is the buzzing urban streets of London or skydiving over Salisbury Plain, mishaps can happen - having travel insurance as your trusty travel sidekick could be a brilliant idea.
- What does World Nomads travel insurance cover?
- What should I look out for when travelling to the United Kingdom?
- What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
- What's not covered
- FAQs
What does World Nomads travel insurance cover?
With World Nomads, you can select either the Standard Plan for basic travel protection or the Explorer Plan for broader coverage.
Both plans offer coverage for:
Overseas emergency medical: Whether it’s a tumble on a Welsh mountain or a sudden fever in London, World Nomads has your back (literally). Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).
Baggage Protection: Lost your bag in the hustle of Heathrow or had your gear swiped in a packed London Tube station? It happens. World Nomads travel insurance covers European travellers for lost, stolen, or damaged baggage up to policy limits. The Standard Plan provides up to €1,500 in total coverage, while the Explorer Plan offers a more generous limit of €3,000. Baggage delay coverage starts at 24+ hours.
24/7 Emergency Medical Assistance: Emergencies don’t wait, and neither do we. World Nomads’ 24/7 Emergency Medical Assistance Team is on standby to help connect European travellers to medical care, overcome language barriers, or coordinate an urgent evacuation.
Looking for a traveller insurance quote? You can grab one online here.
What should I look out for when travelling to the United Kingdom?
It’s no surprise that Europeans are drawn to the United Kingdom - its constant buzz of excitement pulls thrill-seeking travellers in from all over. But Mother Nature has a way of showing her mood swings, with sudden rainstorms and gusty winds always ready to make an entrance. Travel disruptions can be a real pain, especially when navigating busy transport hubs like Heathrow or London Euston. Thankfully, World Nomads offers cover for unexpected delays and cancellations. So, whether it’s unpredictable weather, strikes, or missed connections throwing off your plans, you can recover non-refundable costs and keep your adventure on track.
SmartDelay™ – the bright side of a flight delay
Look, we know from experience that flight delays are frustrating. But we also know that food makes frustrations a little less stressful. Right? If your flight is held up, we’ll take the edge off by giving you access to the airport lounge, with complimentary drinks and snacks. Please remember to register your flight details at least 24 hours before departure to avail of the service.
Travellers tip: The United Kingdom’s major cities, like London, can have busy rush hours, so consider travelling outside peak times or using apps to navigate public transport efficiently.
What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
Cover for Activities and Sports in The United The United Kingdom
The United Kingdom ’s landscapes are made for adventure, and we cover 150+ sports and activities to match. Planning to hike the dramatic trails of the Lake District, or cycle through the rugged Scottish Highlands? We’ve got you covered (up to policy limits, of course). Planning something more adventurous, like mountaineering or rowing on the Thames? Make sure to specify high-risk activities in your policy for complete coverage.
Air Doctor powered by World Nomads
Left home without your prescription? No worries. With Air Doctor, you can connect with a doctor anywhere in the world for basic healthcare needs. Instead of waiting hours in an Emergency Room, you can have your prescription sent directly to a local chemist for pickup or get treated for non-urgent issues quickly and conveniently. That way, you can get on with exploring the United Kingdom.
Travellers tip: most places in the United Kingdom, from public transport to cafés, accept contactless card payments or mobile wallets – it's an easy way to pay and often quicker than cash. Just make sure you notify your bank before you leave the EU.
What's not covered
While we’ve got you covered for many adventures, travel insurance isn’t designed to cover everything. Some things we don’t cover include:
- Pre-existing medical conditions: sorry, those aren’t covered.
- Unattended belongings: if you leave your gear in a public or unsecured spot, we’re not liable.
- High-risk activities: planning something wild not listed in your policy? You’re on your own.
- Alcohol and drugs: any mishaps while under the influence won’t be covered.
- Unlawful acts: if your claim comes from something illegal or reckless, you’re out of luck.
This is not a complete list of what’s covered and what’s not; please check your policy for 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.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need travel insurance for the United Kingdom from the EU?
Travel insurance isn’t a prerequisite for European travellers heading to the United Kingdom. However, it could protect you from costly surprises, like emergency medical care or travel delays.
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Will travel insurance cover medical costs in the United Kingdom ?
Absolutely. All World Nomads travel insurance policies cover emergency medical expenses in the United Kingdom, from hospital stays to urgent care. Just make sure to review your plan for full details.
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Can I extend my travel insurance if I decide to stay in the United Kingdom longer?
Yes, you can extend your World Nomads travel insurance if you decide to prolong your stay in the United Kingdom. Simply log into your World Nomads membership before your current policy expires to purchase an extension, before your current policy expires.
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I’m already in the United Kingdom, can I get travel insurance?
Yes, you can purchase travel insurance even after arriving in the United Kingdom . World Nomads offers flexible policies that can be bought online from anywhere, anytime. Please note that a waiting period of up to 72 hours may apply before full coverage begins, and any period of travel before this is not covered.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
True Claims Stories
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?
Contact the teamTravel Insurance for Digital Nomads
Protecting Europeans’ tech gear on the go
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Picture this: you’re a European digital nomad soaking up the sun in Lisbon while wrapping up a project. But then, the unexpected strikes—your phone’s stolen, or you come down with a fever. Suddenly, your carefree work-travel balance is thrown off. This may just be the moment you’re grateful for packing the travel insurance in with all your travel essentials.
- Why should I consider travel insurance when travelling as a digital nomad?
- Does travel insurance for digital nomads cover my tech?
- What are the benefits of World Nomads travel insurance when working abroad?
- What's not covered by travel insurance for digital nomads?
- FAQs
Why should I consider travel insurance when travelling as a digital nomad?
With an unpredictable lifestyle comes, well…unpredictability. As a digital nomad, your tech gear and health are everything, and an unexpected hiccup ruins more than your day—it affects your work. No one wants that. Or perhaps your job involves travelling between Schengen countries? Even a short trip from Paris to Madrid can come with unexpected issues. With the right digital nomad insurance cover, Europeans can work and wander the world without worrying about what could go wrong.
Does travel insurance for digital nomads cover my tech?
As a digital nomad from the EU, your tech gear is more than just equipment; it's your livelihood. Having your lappy stolen at the Amsterdam Schiphol Airport while waiting for your connection, or your phone damaged in an unexpected storm at the Algarve in Portugal can throw your entire routine into chaos. Our Standard and Explorer policies may cover the reimbursement of your devices if they’re stolen, lost, or damaged while under your supervision.
Our coverage extends to a wide range of gadgets and valuables, including:
- Mobile phones
- Photographic equipment
- Binoculars, telescopes
- Computers and accessories (like laptops and gaming gear)
- Tablets and e-readers
- Audio equipment (like headphones and speakers)
- Drones and GPS devices
Travellers tip: Always keep your receipts—hard copies or digital—for any gadgets you buy, whether before or during your travels. These can be essential if you need to make a claim. And remember to back up important travel documents, ID, and other details for extra security.
What are the benefits of World Nomads travel insurance when working abroad?
Medical Coverage and Emergency Medical Assistance
From hiking mishaps in the Austrian Alps to a bad case of food poisoning in Istanbul, medical emergencies can strike European digital nomads at the worst times. World Nomads travel insurance can cover overseas medical expenses, hospital stays, and emergency repatriation if required. With 24/7 emergency medical assistance, you’ll get the support you need, no matter where your adventures take you.
Cover for more than 150 sports and activities
Work hard, play harder—that’s the motto for any European adventure-loving digital nomad. With mountains to climb, rivers to kayak, and waves to surf, World Nomads understands you don’t want to limit your travels to just working, which is why we offer coverage for more than 150 sports and activities. Just make sure you’re aware of any specific coverage needs for high-adrenaline sports in your chosen destination.
Smart Delay
No one likes to hear the words ‘flight delay,’ especially when you’re already juggling work commitments and travel plans. Thankfully, Smart Delay by World Nomads turns that frustration into a little luxury. If your flight is delayed by 90 minutes or more, we’ll send you a LoungeKey™ pass, giving you access to over 1,500 airport lounges. It’s the perfect way to stay productive or simply relax while waiting. Ensure that before you travel (at least 24 hours), you register your flight with SmartDelay to avail of the service.
Travellers tip: Cyberattacks and identity theft are real threats when you’re on the move. Keep your data safe: use strong passwords, encrypt your laptop, and install antivirus software, skip public Wi-Fi where you can.
For more digital nomad tips, check out our article, 6 Travel Tips for Digital Nomads. Or if you’re ready to pack the gear and go, get a quote today and make that digital nomad dream a reality.
What's not covered by travel insurance for digital nomads?
Sorry, but even the best travel insurance has its limits. Here’s some examples of what’s not on the list:
- Considering leaving your laptop unattended while swimming in the crystal-clear waters of the Croatian coast? If it goes missing, that one’s on you.
- Device malfunction or wear and tear? That’s a conversation for your manufacturer, not your travel insurer.
- Placing your gadgets in checked luggage? If they’re damaged or stolen, they won’t be covered.
- No receipt or record of ownership for your items? We can’t reimburse you without it.
- Fail to report stolen or lost items to local authorities or venue management? We won’t be able to process your claim.
This is not a complete list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re unsure if something is covered or how to claim, contact us, and we’ll let you know.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in a foreign country.
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If my electronics have an expired warranty, can I claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation is the amount we deduct from your overall claim based on the wear and tear of the item. The age and type of item are factors used to calculate the depreciation amount.
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Why won’t you cover my tech devices if they’re checked in with an airline?
Electronics are fragile, and checked-in luggage can easily be damaged.
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What if I don’t have receipts for all of my items?
You can file a claim but still need to show proof of ownership. Read our Help Center article for more information on what to do if you don’t have documentation.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the team
