Germany travel insurance

If you’re visiting our neighbours in central Europe, get the appropriate travel insurance so you can keep your mind on your trip

Last updated: 6/3/2026

Gear up for Germany

Whether you’re looking to hike the Bavarian alps, amble through the forests of Saxony or experience the timeless cool of Berlin, Germany won’t leave you disappointed.  

Germany shares borders with nine European nations, and being connected to such a sizeable chunk of Europe has given it a rich and diverse culture. It can make a fair claim to being the heart of Western Europe. 

We've written some tips on how to get the most out of your trip. A big part of that is getting appropriate travel insurance. If you want to cover your belongings, flights and most importantly your health, travel insurance for Germany is a must.  

Places to go and things to do in Germany

You could spend years exploring Germany and not see it all. Below is a small selection of highlights you might want to add to your list.

1. Berlin

Berlin cityscape at night

Whatever you look to get out of a city break, you’ll find it in Berlin. The city is steeped in history and tours of some of its most iconic landmarks do not disappoint. Taking a tour of the Reichstag at night gives you fascinating insight into German history and modern politics, before taking in a breathtaking view of the city from the roof.

Museum Island also boasts 6,000 years’ worth of artefacts, antiquities, sculptures and artworks. Looking to eat something German? Grab a currywurst from one of countless vendors for a deeply satisfying snack.

Then there’s the nightlife. Berlin is famous worldwide for its pulsating music scene. If you’re looking to dance until the morning light, you’ll find plenty of opportunities.

2. Bavarian Alps

Bavarian alps with castle and forest

Some of Europe’s most picturesque landscapes can be found in The Bavarian Alps. Many visitors come in winter to ski, but it’s just as fun in the summer. Hike through scenic trails, dip in lakes and power yourself forward with hearty Bavarian dishes.

If you want to add a storybook touch to your trip, visit Neuschwanstein Castle. This 19th century palace will make you feel like you’re in a fairytale.

3. Cologne

Cologne manages to be striking and cosy all at the same time. Its 13th century gothic cathedral is a UNESCO World Heritage Site and a stunning feat of medieval architecture not to be missed. After marvelling at its beauty, you can pop into a rustic pub or riverside cafe.

Most visitors to Cologne comment on the atmosphere. Its lively art scene and friendly locals give the city a reputation of somewhere to go and have fun. Grab yourself a Kolsch (Cologne’s local beer), kick back and relax.

4. Saxon Switzerland

Old bridge in mountainous area of Saxony at sunset

If you like to walk in nature, Saxon Switzerland has a lot to offer. This national park in Saxony is a lush and hilly landscape, perfect for connecting to the great outdoors.

Saxon Switzerland is the birthplace of freeclimbing, so as you’d expect, there are climbing routes everywhere (over 20,000 in total). If you prefer to keep things more horizontal, you might want to explore Germany’s most famous hiking trail ‘The Painter’s Way’. The 112km route has spectacular views and options to stay in inviting mountain inns.

5. Hamburg

Hamburg is Germany’s maritime hub. The city sprawls across canals and waterfront areas, with bars and restaurants giving you plenty of opportunities to enjoy your meal by the water.

Check out the fish market on a Sunday morning. This German institution has been operating every week since 1703. The vendors shouting over each other to attract your attention is a real cultural experience.

If you’re looking to really let your hair down, the Reeperbahn is a street dedicated to nightlife and hedonism. Be warned, it’s not for the faint-hearted.

6. Rothenburg ob der Tauber

Medieval German town with cobbled street and flowers

A trip to Rothenburg ob der Tauber is more like visiting a time than a place. There are so many well-preserved buildings from the Middle Ages, one of the best activities to do there is simply taking a stroll.

If you love to feel festive, head to Christmas Village. Europe’s largest Christmas shop is open all year round, so you can stock up on treats and decorations even if you visit in the summer.

All of this quaint charm makes Rothernburg ob der Tauber one of Germany’s most photographed destinations. Keeping your phone in your pocket will be a real challenge.

7. Munich

Munich is the heart of Bavaria, giving you a city experience with a mountainous backdrop. If you like to get your history in more varied formats, head to Marienplatz Square for the city’s famous glockenspiel. This giant mechanical clock portrays scenes from Munich’s history twice daily, with life-size characters.

For an authentic German experience, visit one of the city’s beer halls or beer gardens. These historic buildings date back centuries, serving as a place for people to congregate, eat and drink. That’s still the case today, and these sites also host the famous Oktoberfest, which runs across September every year.

8. The Black Forest

The Black Forest is another area ideal for those looking for beautiful scenery and rural charm. It’s known for its dense woods and picturesque villages and attracts visitors across the country every year for hiking and cycling.

If you want to rest your bones after a day exploring forests, spa towns like Baden-Baden offer luxury and relaxation at affordable prices. And of course, this is the home of the Black Forest gateau. Having a slice of the rich cake while taking in your surroundings is a wonderful way to pass the time.

9. Dresden

Dresden at sunset, featuring a river, boats and buildings

In the UK, Dresden is often most famous for the brutal bombing campaign it sustained in World War II. That does it a great disservice. Dresden was one of Europe’s cultural centres and despite the destruction of the 1940s, it remains a cultural heavyweight today.

The city has an opera house, a highly revered art collection and countless music and dance performances throughout the year.

Visit the architectural masterpieces of Frauenkirche and Zwinger Palace, or simply walk along the Elbe for more scenic views.

10. Limburg

Want to experience Germany and beat the crowds? Try Limburg.

Limburg is something of a hidden gem, with its old town full of half-timbered houses and narrow streets to wander down. The cathedral is a landmark worth visiting, while local cafes and shops give the town real charm.

It’s not the most striking or the most lively, but it offers authentic German culture and a pleasant pace of life.

How much do things cost in Germany?

Prices can vary in Germany, but it’s generally considered to be an affordable place to visit. Transport, accommodation and dining out is often cheaper than in the UK.

Germany uses the Euro. You can see how GBP currently compares by using our currency converter.

Data collected by Numbeo gives an estimation on the average cost of many holiday expenses (accurate as of February 2026):

  • Three-course meal for two (no drinks): Approx €66.24 (£57.60)
  • Regular cappuccino: Approx €3.57 (£3.10)
  • Taxi rate per km: Approx €2.50 (£2.17)

It's a good idea to organise your travel money before you go. With Post Office, you can order a prepaid multi-currency travel card with a set amount of euros. You won't pay any conversion fees when using the card, and you can easily top it up if you need to, through an app or online.

If you prefer cash, we can help with that too. You can exchange money over the counter at your local Post Office branch, or order euros online and we’ll deliver the cash to your address. Read our travel money tips for more information on managing holiday expenses.

Do you need travel insurance for Germany?

It's highly advisable to get travel insurance for Germany. While Germany is known for its efficiency and has a respected healthcare system, unexpected problems can arise anywhere. If you become unwell or injured, you may find yourself with a bill to pay.

It’s also important to note that healthcare is only one aspect of cover. If your items are lost or stolen, without insurance you’re left to take the financial hit of replacing them. The same can apply for cancelled flights or needing to cut your trip short due to an emergency.

Travel insurance can help you recover these costs. You’ll hopefully never need to use it, but if you do, you’ll be so relieved to have it.

What does travel insurance cover for Germany trips?

Post Office Travel Insurance can help you in a variety of unexpected events. It can cover:

  • Medical costs: Whether you suffer illness and injury, we can help pay for your treatment and get you back home for emergency care. Our policies also include 24/7 outpatient support. This means you can talk to a medical expert whenever you need them, via app or in person[1]
  • Lost, stolen or damaged belongings: This includes your suitcase, passport or money. Cover limits are outlined in your policy and be sure to report any loss to the police within 48 hours. You’ll need to provide us with a police report to make a claim
  • Missed or delayed flights: If your international transport is late or you miss it (for reasons outlined in your policy) we can help you recover the costs. Check your policy for limits and level of cover
  • Cancelling or cutting your trip short: If you have to cancel your trip or come home early for a reason listed in your policy, we’ll pay you back for unused travel and hotel bookings up to the policy limits
  • Personal accidents and legal costs: We can help with legal fees and personal accident claims. Limits are outlined in your policy

You can choose our economy, standard or premier cover levels depending on how much protection you want.

Doctor speaking to patient at her bedside. Patient wearing a salmon-coloured gown

What doesn’t travel insurance for Germany trips cover?

Travel insurance won’t cover every unexpected issue, and certain actions will invalidate your policy. This is something we believe in being transparent about. You won’t be covered if:

  • You don’t tell us about a pre-existing medical condition when taking out your policy
  • You do certain higher-risk sports or activities that are exempt from your cover
  • Incidents occur while you’re under the influence of alcohol or drugs
  • You break local laws or ignore official advice
  • You miss flights or connections due to personal error (such as oversleeping)

Always read your policy carefully so you know exactly what’s covered.

What extra cover can you add?

You can pay to add extra protection to your policy if needed, including:

This way, you can tailor your insurance to the specifics of your Germany trip.

Protect your Germany adventure today

If I have a GHIC do I need travel insurance for Germany?

Yes, the Foreign Commonwealth and Development Office (FCDO) advises you should still get travel insurance when travelling to Germany. A Global Health Insurance Card (GHIC) will grant you access to emergency health care if you need it. But, as the FCDO points out, it is not a substitute for travel insurance. For example, a GHIC won’t cover:

  • Repatriation to the UK
  • Treatment that is ruled non-urgent
  • Private healthcare
  • Private clinics

This is where your insurance comes in. Not only can it cover a lot of these expensive medical costs, but it gives you access to an English-speaking doctor 24/7 via outpatient support1. If you need to speak to a medical professional about a non-urgent matter, you can.

If you don’t have one, it’s definitely worth getting a GHIC, which you can do online. But to truly protect your health, travel insurance for Germany is key, enabling you to avoid unwanted costs when you’re most in need.

Getting around Germany

Germany has one of the most well-regarded transport networks in the world. With an extensive rail network, internal flights and affordable car rental, it's easy to explore each corner of Germany.

  • Train: Germany has a modern, reliable train network. If you download the DB Navigator app you can buy tickets, plan routes, view timetables and more, all in one place.  Another big plus if you have kids, everyone aged 14 and under gets free train travel in Germany
  • Car: Germany’s motorway system, the autobahn, is known around the world for being a road network with no upper speed limit. But exploring the country by road is not all about speed. Roads are high quality and there are plenty of rental options at affordable prices
  • Bus: If you’re travelling on a budget, there’s no shortage of buses to compete with the rail network. Buses are usually modern and comfortable, and they enable you to reach the most rural and mountainous of areas of the country
  • Cycling: Cycling is big in Germany. Many cities and towns have cycle-friendly areas and there are plenty of long-distances routes across the country

Visas and entry requirements

You don’t need a visa to enter Germany unless you're staying for longer than 90 days. However, make sure your passport's expiry date is later than three months after you plan to leave Germany.

The 90-day limit applies to the entire Schengen area, so if you’re heading to any of the other 28 countries in that zone after Germany, the same rules will apply. If you’re planning on being in Germany for longer than 90 days, contact the German embassy in the UK to check which type of visa you need.

In October 2025, the EU rolled out a new Entry/Exit System (EES) which may require you to register your fingerprint or have your photo taken. You don’t need to prepare anything before you touch down in Germany, nor does it cost anything.

Checklist for visiting Germany

  • Get travel insurance which covers everything you want to do on your trip
  • Make sure your passport is in date
  • Prepare your travel money, either by getting cash or a travel money card
  • Print off a copy of your insurance policy so you know what to do if you need it
  • Save emergency services numbers in your phone (112 for fire and ambulance, 110 for police)

Key takeaways

  • Germany has a mix of buzzing cities and abundant nature. Whether you want to party or relax, you’ll be spoilt for choice
  • It’s important to get travel insurance for Germany, offering protection if you need medical assistance, your belongings are lost and more
  • A GHIC card can help in emergencies, but won’t cover certain medical treatments
  • Be sure to read your insurance policy so you know exactly what’s covered and pick a level of protection that works for you

1 Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

Get covered for your German getaway

Common questions about travel to Germany

  • Absolutely. At Post Office we can cover most pre-existing health conditions. If we can’t, we’ll direct you to a partner of ours which specialises in cover for pre-existing conditions. Fill out our form with details of your condition and we can let you know online if we can give you a policy and how much it would be.

  • The level of cover you choose depends on your trip and what you plan to do. With Post Office Travel Insurance, you can tailor your policy to suit you, with the option to add-on things like gadget cover, excess waiver and trip disruption cover.

    Fill out our get a quote form and find what works best for you.

  • Travel insurance isn’t mandatory for Germany, but the Foreign Office advises that all travellers get appropriate insurance. Insurance gives you the peace of mind that if you need medical assistance, you’re not going to be left with a huge bill to pay.

    Travel insurance can also help you recover the costs of lost items, trip cancellations and flight delays. These unexpected experiences might negatively impact your holiday, but knowing you don’t have to take such a financial hit is reassuring. 

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