Up to £15,000 cancellation cover per person on Signature policies
Unlimited medical cover and emergency expenseson Comprehensive and Signature policies
The UK’s favourite travel insurancebased on more 5-star Trustpilot reviews than any other provider
Our Signature and Comprehensive policies are Which? Best Buys
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2025
Travel insurance for Germany at a glance
Staysure’s travel insurance for Germany holidays offers cancellation cover, unlimited medical and repatriation expenses on Comprehensive and Signature policies and up to £5,000 baggage cover on Signature policies. We can cover more than 1,300 pre-existing medical conditions, and all ages. With more 5-star Trustpilot reviews than any other UK travel insurance provider, we’ve won the Best Company for Travel Insurance for 9 years in a row (2016-2025). Get a quick quote online or call our friendly team to set yours up today.
Germany’s calling - whether it’s a whirlwind city break in Berlin, a tour of the famous Christmas markets, or a trip to the fairytale castles of Bavaria. Wherever your trip takes you, a little cover can go a long way towards keeping things carefree.
You won’t usually be asked for proof of travel insurance at the German border, even with the EU’s Entry/Exit System in place, and it isn’t a legal requirement. But the UK Foreign, Commonwealth and Development Office (FCDO) recommend taking out a policy before you go.
With Staysure behind you, you can explore Germany and keep your focus where it belongs: on the holiday. We cover every age and more than 1,300 medical conditions, offer emergency-medical cover unlimited on Comprehensive and Signature policies, and have a 24/7 English-speaking helpline for emergencies.
Does my EHIC or GHIC cover me for travel to Germany?
If you take your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) with you to Germany, you’ll have access to state-funded medical care, at local rates or for free. Although this can be a great help for emergencies, it's not a substitute for travel insurance.
Your GHIC/EHIC won’t cover trip cancellation because of an emergency back home, stolen luggage, pre-paid activities or medical repatriation to the UK, which can run into thousands of pounds. This is where travel insurance for Germany comes in handy.
Our policies are designed to work alongside your GHIC, filling in these significant gaps to give you complete protection. By counting on both, you can travel with confidence, knowing someone will be there to pick up the tab if a holiday hiccup leaves you with a hefty bill.
Why choose Staysure?
Up to unlimited medical emergency expenses
Generous cancellation cover up to £15,000
We’ve given over 13m people peace of mind
Most pre-existing medical conditions covered
Easy to access and amend your policy online
What does Germany travel insurance cover?
What’s covered?
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cruise cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You’re exploring the beautiful medieval town of Rothenburg ob der Tauber when you trip on a cobblestone and fracture your tailbone. We’re on hand to get you the medical treatment you need, and if necessary, arrange comfortable transport back home once you’re fit to fly if your doctor orders it.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike* severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme sports, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all or all but essential travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You’ve had a fantastic time at Oktoberfest in Munich, but you celebrate a little too much and oversleep, missing your flight home the next morning. Unfortunately, your policy won’t be able to cover the cost of a new flight.
Germany travel insurance for medical conditions
Having a pre-existing medical condition shouldn't stop you from exploring Germany's stunning landscapes and rich history. As a medical travel insurance specialist, we cover over 1,300 medical conditions, and all ages.
We’ve put years into making our screening process as simple as possible, our underwriters have lots of experience with complex cases, and the claims team understand the realities of travelling with a health condition. In fact, 97% of customers are able to get medical cover with us.
Medical conditions we regularly cover
We cover a vast number of medical conditions, including:
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.** It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
Whether you prefer getting a quick online quote or speaking to a real human over the phone, we make buying travel insurance both easy and effortless.
1. Run us through your travel plans
To get started on your quote, we’ll go over your travel plans. We need to know who’s coming along, where you’re heading, how long your trip will be, and whether you need insurance for a single trip or annual multi-trip cover.
For cruises, it’s important to include every destination on your itinerary, as well as any flights to and from your port.
2. Tell us about your medical history
Next on the list, we’ll go over some health questions with you so we can make sure you get proper medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
3. Get your personalised quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your level of cover and add any optional extras that suit your trip, such as cruise travel insurance or winter sports cover. If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Many experts agree that buying travel insurance as soon as you’ve booked your holiday is the best way to go. By doing this, you’ll be covered during the run-up to your holiday and while you’re abroad.
Despite the benefits of buying early, lots of people leave it to the last minute. Our sales data from July 2025 to January 2026 shows that the majority of travellers purchased their policy within 30 days of leaving, with a significant proportion doing so within just a few days of departure.
Travel insurance can’t be backdated, so it’s best to get it locked in before you are on holiday. If you still have to get your policy in place for future travels, it’s not too late. Simply get in touch with our friendly team to get a quote.
How much is travel insurance for Germany?
The price of Germany travel insurance isn't one-size-fits-all, because every trip and traveller is unique. Your final quote is tailored to your specific circumstances, ensuring you only pay for the cover you actually need.
The duration of your trip is key; a weekend in Berlin will usually have a different premium than a month-long tour. Your age and pre-existing medical conditions will also impact the cost, because we need to make sure your policy provides enough protection should you need medical assistance while away.
The level of cover you choose (Basic, Comprehensive, or Signature) and any optional extras you add, like winter sports cover (available on Comprehensive and Signature policies) for a skiing trip in the Alps, also come into play when determining the final figure.
The best way to find out how much you'll pay is to get a personalised quote online or by contacting our friendly team.
Want to shrink the costs of your travel insurance while still getting the most out of your policy? Keep these tips and tricks in mind before you buy:
buy your policy early – taking out travel insurance soon after booking your trip can keep you covered if you need to cancel before you travel.
choose a higher excess – a higher excess will help to lower your premium, but be sure to choose an amount you’re comfortable paying if needed.
skip the add-ons – by not adding things like cruise or gadget cover if you don’t need them, you can lower your overall cover cost.
declare your medical conditions – being open about your health history helps to ensure the right cover is in place.
combine travellers on one policy – make sure all your travel companions are on the same policy, such as our family travel insurance, to save on cover costs.
keep your baggage light – by taking only what you need, you can lower the baggage limit on your policy and bring your premium down.
find a discount – make sure you swing by our discounts page before you buy so you can save on your policy.
Beth Craig
Travel insurance expert
Want to spread the cost of your annual policy? Here’s how
What our expert says…
“Germany has loads to see and do for both young and old, so if you’re planning on visiting more than once per year, an annual multi-trip policy could provide the most value. The best part? If your premium is more than £80, you can spread the cost across 12 months.†
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The big-ticket costs travel insurance can help with
From October 2024 to October 2025, emergency medical expenses were our most common claim, and for good reason. Hospitalisation for a stomach bug in the USA with medical repatriation back to the UK could set you back £150,000+, according to the UK government.
In reality, the biggest claims are often more costly. While the average emergency medical claim on our worldwide policies was about £3,000, the highest we paid was closer to an eye-watering £350,000.^
Over the same period, our second most common claim on worldwide policies was cancellation. If you need to pull the plug on your holiday, we can help you recover the prepaid costs – with the average cancellation claim on our worldwide policies coming in at around £2,000, and the highest reaching more than £50,000.
Voted Best Travel Insurance 9 years running
The British Travel Awards have recognised us as the Best Company for Travel Insurance nine years in a row (2016-2025). This achievement is based on the votes of real customers, showing the trust travellers place in us.
This award is only given to travel companies that provide stellar service to their customers. It shows that we prioritise customer service, round-the-clock support when you need it most, and a reliable and speedy claims process.
Other Germany travellers often ask...
For all travel insurance purposes, Germany falls squarely in our European cover area. Whether you're exploring Berlin's history or hiking in the Bavarian Alps, getting the right cover is easy.
If you are buying a single-trip policy, you just need to select Germany as your destination to be protected for a trip there. If you’re opting for an annual multi-trip policy to cover all your holidays for the year, selecting Europe will ensure your trip to Germany is included, alongside any other European destinations you plan to visit.
Planning to visit Germany and other countries outside of Europe? A worldwide policy may be your best bet. Just let us know every stop on your itinerary when you’re getting your quote, so we can make sure you’re covered for the entire journey.
Staysure’s family travel insurance policies will ensure everyone is protected under one convenient plan, which is often more cost-effective and simpler to manage than buying individual policies for each family member. It covers one or two parents and their dependent children (under 18, or under 21 if in full-time education) – and if one person needs to cancel or cut the holiday short due to a medical emergency, everyone else can be covered too.
If your break includes grandparents, cousins or best friends, a group policy is the way to go. You can buy cover for up to nine people online, or up to 30 over the phone, even if you don’t all live at the same address.
Our policies cover over 100 fun-filled activities as standard, so you can make the most of your German adventure. From beach volleyball, whale and dolphin watching, and other water sports like snorkelling, paddleboarding, jet skiing, boogie boarding, surfing, windsurfing, swimming, rowing, catamaran cruising and waterpark adventures.
Prefer to explore inland? We also cover hiking below altitudes of 2,500 metres, tree canopy walking, cycling, Pilates, roller blading, and ziplining, with some exceptions when it comes to personal accident and liability cover. Golf is included in all our policies, but we also provide extra golf cover, which can help protect your equipment and non-refundable golfing fees.
You can find the full list of included activities in our policy documents.
At Staysure, we believe that age shouldn't be a barrier to adventure, which is why we specialise in travel insurance for pre-existing conditions, and all ages. Our policies are designed to provide the tailored protection you need to travel with confidence at any stage of life, whether you are in your 50s, 60s, 70s, 80s, or beyond.
Simply get in touch with our friendly team over the phone, or get a quick online quote, so you can make the most of your trip.
The cycling routes along the Rhine and Moselle valleys are truly iconic, and our policies are designed to keep up with your two-wheeled adventures. Recreational cycling is covered as standard on all our policies, giving you a safety net for any unexpected medical costs so you can focus on the stunning scenery.
Fancy taking things off-road? We can protect your mountain biking adventures as long as you wear a helmet, with some exceptions to personal accident and personal liability cover.
If you let us know about your voyage when buying your travel insurance, we’ll be able to cover your river cruise under any of our standard policies.
Just tell us which destinations your cruise will include, and we’ll make sure the key benefits you normally get on land follow you out to the river, like cover for cancellations, medical emergencies and lost or stolen baggage.
For more protection, our Cruise Plus add-on can cover cabin confinement and any resulting unused excursions, missed port departures, itinerary changes, and more. This add-on is available with our Comprehensive and Signature policies and covers both river and ocean cruises.
Many UK visitors to Germany are heading over to attend an event or two. Whether it’s Oktoberfest, Christmas market trip, music festival or a big sporting fixture, if you’re part of this crowd, chances are you’ve paid for your ticket long before you set off.
If an unexpected medical issue or another insured event forces you to cancel, your Staysure policy can help you claim back non-refundable costs, pre-paid event tickets included, up to your policy limits.
For the most part, Germany is considered very safe for travel, but the Foreign, Commonwealth and Development Office (FCDO) does ask travellers to be vigilant when it comes to theft in busy areas. Pickpockets, especially on the U-Bahn or S-Bahn in cities like Berlin and Munich, or at major train stations, often work in gangs, with one person creating a distraction while another tries to steal your belongings.
If something is stolen, report it to the local police as soon as possible. This is essential for making a claim. As long as you did everything you reasonably could to keep your items safe, we’ll cover the costs of your stolen belongings up to £5,000 on our Signature policies.
Your standard Staysure policy will cover all the crucial off-piste parts of your holiday, like your flights, your baggage, a lost passport, or a medical emergency that happens while you’re not on the snow.
Our winter sports add-on (available on Comprehensive and Signature policies) is designed to protect all the snow-filled fun that the Bavarian Alps offers, like glacier skiing, guided cross-country skiing (Nordic skiing), outdoor ice-skating, on-piste mono-skiing, skiing or snowboarding off piste (only if within the confines of the ski resort on recognised and authorised areas), on-piste skiing or snowboarding, snowshoeing, tobogganing and more.
It can also cover you for:
Air evacuation and emergency medical expenses
Ski passes or equipment loss, theft or damage
Equipment hire fees, if your equipment gets lost, stolen, damaged or delayed
The costs for unused ski school or instruction classes
Avalanches and landslides
Winter sports cover comes standard on our Comprehensive and Signature annual multi-trip policies, but will need to be added if you’re taking out a single-trip policy.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
Written by: Claudine Nortje, travel insurance expert
Last updated: 30/09/2026
*As long as strike action wasn’t common knowledge at the time of booking your trip or taking out your policy – whichever came later.
**Travel Doctor is powered by Air Doctor. Up to 3 appointments per insured person, per policy. Geographical restrictions and T&Cs apply.
†Available on Annual Multi-Trip polices to the value of £80 and over. Howserv Ltd use Premium Credit Ltd ((PCL) an external credit provider) to provide finance. Howserv is a credit broker not a lender and receive a commission for introducing customers to PCL. On acceptance, a credit agreement will be set up. Representative example based on a £200 policy (net of the paid deposit of £18.61). An Annual Percentage Rate of 24.9% will be charged with a fixed interest rate of 12.55%. Amount of interest over 11 months= £22.77. Monthly repayments of £18.56. Total amount payable £222.77. Correct at time of upload.
‡UK’s favourite based on more 5-star Trustpilot reviews than any other provider.
Up to £15,000 cancellation cover per person on Signature policies
