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Travel Insurance Direct

Travel Insurance for Germany

Travel insurance cover for your German adventure

Why should I consider travel insurance for Germany?

The world-famous beer halls of Munich, the exciting night life in Berlin and the lush countryside are just some of the things Germany offers to tourists. However, with industrial strikes, severe weather, and the ever-present danger of pretzel mishaps there's also a lot that can go wrong. Luckily TID offers travel insurance for Germany.

What am I covered for when going to Germany?

When visiting Germany, you could have access to several benefits with TID travel insurance. It all depends on which level of cover is best suited for your trip - The Basics, The Works , and Annual Multi Trip plans. Some of the benefits we offer include:

  • Cover for overseas medical expenses
  • Medical repatriation and evacuation
  • Cover for valuables and tech gear
  • Cover for lost, stolen or delayed baggage
  • Cover for cancellation or trip delay
  • Cover for some Coronavirus-related events.
  • And many more.

Get a quote to get your next domestic or international adventure underway today.

Traveller tip: Aussies travelling to Germany can benefit from 90 days of Visa-free travel within the Schengen zone. However, if you wish to stay longer than 90 days, you must apply for a Schengen visa. Make sure to check the visa requirements for all countries you’re travelling to in Europe, including non-Schengen European countries.

What to look out for when going to Germany

Theft and pickpockets 

Like anywhere around the world, you’ll need to look out for pickpockets and always keep an eye on your valuables when in Germany. While most German people are friendly, there is always the chance that an opportune thief will strike when you’re not looking.

For example, Germany has a well-developed bus and rail transport system. However, petty crime still happens. Take care of your personal belongings, particularly on trains and in major transport hubs. Don't leave your bags unattended on trains, or when in tourist hotspots. Keep copies or originals of receipts for any gear and valuables that you purchase.

Severe weather events 

Depending on when you visit Germany, you’ll need to be aware of possible severe weather events such as snowstorms if you’re visiting in the Winter months (November to March), and tornadoes, and floods. You can keep a track of travel warnings and alerts here.

Traveller tip 2: if you are unsure what to take on your trip you can check out the TID packing list with all of the essentials you may need on your trip.  

Activities and sports injuries and gear cover

With so many incredible outdoors destinations to choose from, Germany has something that will appeal to those travelling with children, ski and snowboard adrenaline junkies, and casual weekend outdoorsy types looking for a cruisy hike or bike tour around town. Whether you’re into your snow sports (*cover for snow sports only available when you have selected the Snow sports cover option and paid the additional premium cover option), you’re a water baby, or you prefer to get your kicks from bungee jumping or scuba diving, you can be covered for a wide range of sports and activities.

If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home to Australia if medically necessary and approved by us. If you’ve decided to travel with your own surfboard or golfing equipment, there’s cover (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed, or damaged during your trip.

Cover for cancellation and unexpected airline delays

We can offer cover under the ‘Cancellation and additional expenses’ section for your planned trip if your pre-paid scheduled public transport services or pre-paid tour have been cancelled or restricted by your carrier or service provider because of severe weather, natural disaster, riot, strike, civil insurrection, or hijacking. Refer to the Product Disclosure Statement (PDS) for further details.

Additionally, if you’re stuck at the airport and need to get to your next German city before you miss that music festival or Berlin food and beer tour, then you may be covered. Our airline delay guide has all the information about delays caused by a carrier, what you'll be covered for and some things to look out for when it comes to your airline.

We aim to keep you informed about events around the world when they happen, so keep an eye out for travel alerts on our website, however please check smartraveller prior to travelling or are planning to travel to Germany and any other countries. 

Travel with confidence

Our travel safety team at TID work to keep customers informed and publish information on major events on our website. Contact the Emergency Assistance team day or night as required.

The above features and benefits area brief summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

What can travel insurance cover me for in Germany?

Here are some of the cover benefits available with your policy.

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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Airline cancelled flight?

If your flight is cancelled by the Airline for operational reasons we cover the reasonable cost of meals and accommodation.

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Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Germany travel insurance FAQs.

I’m only in Germany for a few days of my European trip, do I need to list it on my policy

Yes, any visit to a country that is longer than a 24 hour stop requires it to be listed on your policy. This is done by simply selecting Germany as one of your destinations at the time of policy purchase.

If my flight to Germany is impacted by severe weather, am I covered?

Yes, your TID policy can offer cover for the cost of flight cancellation or rearrangement as a result of severe weather such as fog, rain or heavy snow.

Does Medicare cover me in Germany?

No, Australia does not have a reciprocal health care agreement with Germany. As such you will need to pay for all emergency medical costs out of your own pocket or via your travel insurer.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.