Do I need travel insurance for Germany?

Travel insurance is strongly recommended for Germany. Healthcare costs for uninsured visitors can run into tens of thousands of dollars.

How much travel insurance coverage do I need for Germany?

For Germany we recommend a minimum of USD 50,000 in medical coverage, plus trip cancellation and emergency evacuation cover.

What is the emergency number in Germany?

In Germany the emergency number is 112 (works in all Schengen countries from any mobile).

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Germany Travel Insurance: Cost, Coverage & Requirements (2026)

Travel insurance for Germany: recommended minimum USD 50,000 medical cover, emergency number 112 (works in all Schengen countries from any mobile), Schengen-compliant policies accepted across all 27 member states.

All 27 Schengen states accept the same standardised travel medical insurance certificate. Coverage must run for the full duration of stay and span every Schengen country on your itinerary.

Common travel risks in Germany

Pickpocketing on metros in Paris, Rome, Barcelona and Prague
Avalanche and frostbite risk in alpine ski resorts December–April
Heat-related hospitalisation across Mediterranean coasts each summer
Lost luggage on connecting flights through major Schengen hubs

Safety tips for visiting Germany

Print two copies of your insurance certificate — embassies often refuse digital-only proof
Add your Schengen insurance to your wallet app for one-tap access in emergencies
Keep €100–€200 cash split between two locations in case cards are blocked
Use only ATMs attached to bank branches to avoid skimming devices

Related Germany resources

Germany passport photo Germany visa photo Germany photo checker