Travel Insurance for a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
- As featured in:
As featured in:
Currently there is no content for US residents visiting this destination. To ensure Germany is covered head over to World Nomads USA and get an instant travel insurance quote.
Whatever your plans are when jetting off to Germany, World Nomads travel insurance may be able to help keep your plans on track when you need it the most - you might be planning a family camping trip in East Bavaria, going solo on a summer trip to Rugen Island, or maybe mountain biking with your travel buddy at Bikepark Winterberg.
- What's covered
- Getting adventure sports coverage
- Support for medical emergencies
- Road safety on the Autobahn and in general
- Keep an eye on your gear 24/7
- What's not covered
What's covered
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around Germany.
World Nomads offers cover for many activities ranging from mountain biking to skiing, surfing, kayaking and scuba diving. All our plans offer cover for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Lost or delayed baggage
- Travel delay/interruption
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Getting adventure sports coverage
World Nomads can support you on a variety of outdoor adventures, with coverage for more than 150 activities and sports. You may need to compare the Standard or Explorer plans to see which activity levels are covered on each plan. Depending on your country of residence, you may need to add activities to your policy for an additional fee.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: your treks may only be covered up to a certain elevation, or your scuba dives only to a certain depth.
Please check your policy for any exclusions, such as search and rescue missions and professional sports.
Support for medical emergencies
Germany is one of Europe’s most-visited adventure travel destinations and with that comes the possibility that you may be injured or worse. Your travel insurance can back you up if you’re injured or fall ill and need urgent medical assistance.
Our 24/7 Emergency Assistance Team can get you help on the ground when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
Get in touch with the team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Road safety on the Autobahn and in general
Road conditions can be tricky in Germany, especially if you’re planning a long road trip on the Autobahn. For example, Germany’s legendary Fairy Tale Route ("Märchenstraße") stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea.
Some of our plans have damage collision waiver coverage for rental cars, depending on your country of residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for your claim.
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 during an emergency if you’re having trouble with a language you don’t know.
Keep an eye on your gear 24/7
While Germany is considered a safe tourist destination, you should always be aware that petty thieves and pickpockets are attracted to big tourist hotpots. When in crowded areas in any German city always maintain a sense of awareness of your surroundings.
It’s very important that you NEVER leave your valuables out of sight. If you're after travel insurance cover for tech gear or need extra cover just in case your bags are delayed or stolen then World Nomads has options for you to keep those prized possessions insured.
Ready to go to Germany but need more information?
Before you pack your bags, read our articles on adventure in Germany, how to survive German Autobahn’s and bikes like a Pro, and our latest travel safety alerts for Germany.
What's not covered
Here are some of the things we don't provide cover for:
- Pre-existing medical conditions – see the policy wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or ‘Avoid Essential Travel’ warning issued by your Country of Residence.
- 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.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
New Entry/Exit System (EES) starts October 2025
If you’re travelling to any EU countries, you need to be aware of a new system being rolled out. The Entry/Exit System (EES) is coming to 29 European countries from October 12, 2025.
The EES is a new automated border control system designed to modernize and enhance how travellers enter and leave the Schengen Area.
Countries that are taking part in the EES are: Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.
ETIAS delayed until 2026
The European Travel Information and Authorisation System (ETIAS) travel authorisation system has been postponed to late 2026.
Non-EU citizens planning a holiday to Europe will need to check if they need a ETIAS travel permit before they go.
The ETIAS will apply to travellers from 59 visa-exempt countries and territories, including Australia, New Zealand, Canada, Japan, Singapore, South Korea, the United Kingdom and the United States.
While an official date hasn’t been announced yet, ETIAS is expected to begin in the last quarter of 2026.
Learn more about the ETIAS by checking out our Travel Wiser article.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
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 France
What you should consider when buying travel insurance for a trip to France.
- As featured in:
As featured in:
Steeped in cultural icons, surrounded by some of the world’s best mountains and coastlines, and with more delicious cheese and wine than you could ever want, it’s understandable why France is high on many traveler’s itineraries.
- What’s covered
- Should I consider travel insurance for a trip to France?
- What to look out for when traveling around France
- What’s not covered
- Tips for traveling in France
What’s Covered
Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:
- Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
- Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
- Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
- Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
- Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, terms and conditions, and exclusions.
Please note that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
Should I consider travel insurance for a trip to France?
France is Europe’s 3rd largest country, which means there is a lot to see and do. In most cases, traveling goes without a hitch, but considering the right travel insurance for you can take the added stress out of travel if things don’t go to plan.
Families
Traveling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.
Multi-Destination Trips
If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.
If you’re traveling to multiple European countries, World Nomads can help with:
- Translation and interpreting services in case of an emergency
- Physician referrals
- Pre-trip information
Summer Adventures
You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the mountains of Chamonix, road trips in Provence, kayaking & rafting and even sailing the Cote D’Azur.
We offer two plans depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:
- The Standard Plan covers a range of benefits and has lower coverage limits.
- The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.
Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.
Winter Travel
From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between snowboard sessions in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports activities, medical emergencies and even extended stays if you are enjoying your winter escape to France too much.
What to look out for when traveling around France
- Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
- Baggage theft or loss: if you’re on a road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned.
- Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. Available on our Explorer plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
- Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. If your items are stolen travel insurance could help replace them.
What’s not covered
Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:
- Pre-existing medical conditions – see the Policy Wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S. Department of State (see travel.state.gov).
- Unattended baggage or personal items, including any items left in a locked car overnight.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
- Participation in a sport or activity where you fail to adhere to the terms of coverage for listed sports or activities.
- Being intoxicated by alcohol or drugs.
Note: be sure to read the Policy Wording, terms, conditions and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.
Tips for traveling in France
- Always check the Visa requirements – depending on your Country of Residence you may require a Visa to visit France or any of the other Schengen countries.
- Pack light – especialy if you’ll be traveling around France using public transport.
- Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre as tickets can sell out and some attractions require pre-booking.
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 Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- 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?
- Medevac 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 teamTravel Insurance Cover for COVID-19 Related Events
Find out what cover is provided if Coronavirus (COVID-19) affects your travel plans
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
We know Kiwi travellers can’t wait to travel again which is why we’ve added some Coronavirus (COVID-19) specific cover to our insurance plans, to help make it clear what COVID-19 related events our travellers may have coverage for. All our travel insurance plans include emergency medical and repatriation cover if you get sick with Coronavirus while abroad. Our Explorer plans also offer cover for some Coronavirus-related events with the Coronavirus travel costs benefit a new feature.
World Nomads travel insurance for Coronavirus and our plans
- Standard and Explorer plans: Offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas – cover includes medical assistance, repatriation and hospitalisation benefits.
- Explorer Plan: Offers cover for some Coronavirus related events such as cancellation, trip interruption expenses and some quarantine costs, as well as additional benefits for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to Coronavirus.
Benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
|
Emergency medical expenses overseas |
Yes |
Yes |
|
Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) |
Yes |
Yes |
| Coronavirus Travel Costs Note: This section has its own benefit limits which apply. Check your Policy Document for full details or read our Help article which has all of the details, including benefit limits, conditions and exclusions. |
NA |
Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip because you or a member of your travelling party is diagnosed with COVID-19 by a medical practitioner, or if your close relative in New Zealand is hospitalised or dies due to Coronavirus, these tips may be helpful, especially if you intend to make a claim.
- Contact our 24/7 Emergency Assistance team as soon as possible – they can help direct you to local medical facilities if needed and help you understand your options.
- Isolate! And seek the relevant medical attention.
- If you haven’t left home yet and might need to cancel your trip – make sure you’ve got medical evidence of your diagnosis. This can include certification from your doctor that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans, or an official PCR test. The diagnosis of Coronavirus must be made after your policy was purchased.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and, wherever possible, request written reports from providers or local authorities.
- Follow New Zealand government and local advice – different countries have different rules. What’s okay in New Zealand may not be okay in the countries you visit. While some countries may be more relaxed in their COVID-19 protocols, others may be very strict in who they allow to enter.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Document to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
How to get medical assistance
Contact our 24/7 Emergency Assistance Teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and travelling companion details for where you are now
- The nature of your problem
- Your location
FAQ
Here are our most frequently asked questions about Coronavirus. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Our international policies can offer cover for emergency overseas medical expenses and medical evacuation and repatriation following a serious injury or sudden illness; this includes coronavirus, subject to all policy terms, conditions, limits, and exclusions. However, if the plan you already purchased doesn’t include the benefit section ‘Coronavirus Travel Costs’ (which offers some cover for eight specific coronavirus-related events), contact us for assistance. We are not able to change the plan issued after purchase, but, provided you have not used your original policy, and do not need to make any claim, we may be able to assist with issuing a replacement policy and providing you with a refund of your original premium. It is important to remember that this would be a new policy, subject to the policy terms conditions and pricing in effect at the date it is issued and would not offer cover for any event that has already occurred.
-
What do I do if my test hasn’t come back in time, and I need to cancel my trip?
If you need to cancel or rearrange your travel arrangements, even at the last minute, don’t delay in speaking with your airline or other travel providers to minimise any potential cancellation costs or fees. If you booked through a travel agent, they may be able to assist you with this, too. If you do need to make a claim, the cover available will depend on your individual circumstances, as well as the plan you have purchased. For us to assess if cover can apply, you’ll need to submit a claim along with all supporting documentation. Remember, if you are required to take a test prior to travel, it is important to allow sufficient time for results to come back.
-
Why don't you cover ongoing treatment at home?
Cover may be available if you are unfit to travel due to contracting COVID-19, depending on the plan you have purchased, and the facts of your claim - check the policy you have purchased and if it has Coronavirus Travel Costs cover. We assess all claims on a case-by-case basis. Speak with your travel providers, you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. Please note, if you’re already travelling and need to make changes to a flight change or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider. If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too.
-
Do I need medical proof of my positive COVID-19 result if I need to cancel my trip?
Yes. You will need to provide documentation to support the circumstances of your claim. We understand that the type of documentation you can provide may vary and assess every claim on a case-by-case basis. You should submit as much information as you’re able to along with your claim, this will help us to assess your claim in a timely manner and reduce the possibility that we may need to ask you for further information. Information you supply may include: - PCR Test demonstrating that at the time you were due to travel, you had an active case of COVID-19; - Proof you were subject to mandatory isolation at the time you were due to travel due to a registered RAT (Rapid Antigen Test) result; - Letter from medical practitioner confirming you are medically unfit to travel due to COVID; and - Don’t forget to contact your travel service providers as well, as you’ll also need to demonstrate that you have requested to refund or reschedule your arrangements, and what your out of pocket costs are. Remember, not all of our plans cover pre-trip cancellation for COVID-19. This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered.
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
