Travel Insurance for Germany, Fully Covered with LUMA
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Trusted by 100,000+ travelers
A decade of travel cover
Backed by medical guidance
Instant online purchase
On-the-ground teams and global partners ensure care is always nearby.
24/7 English-speaking assistance with coverage curated for Germany.
Practical support backed by decade-long experience and deep-rooted hospital networks.
Direct access to our in-house medical team (Medipro) for real medical advice.
01 Germany trip cancelled before you fly?
A Germany trip planned around Oktoberfest, Christmas markets in Nuremberg or Cologne, or a Rhine Valley cruise is often booked and paid for well ahead. If a serious illness, an injury, or a family emergency stops you from traveling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses so you are not left absorbing the full costs.
02 Ski injury in the Bavarian Alps?
The Bavarian Alps attract serious skiers, but a fall on piste can mean a mountain rescue, a clinic visit, or a hospital stay that adds up fast. All LUMA plans cover accidents while recreational skiing, as long as you're on marked pistes and not competing or skiing professionally. If you're hurt on the slopes, LUMA covers the eligible medical costs and helps arrange transfer to a capable medical facility if needed.
03 Bag snatched at Berlin Alexanderplatz or Munich's Marienplatz?
Pickpockets at Germany's busiest squares and U-Bahn stations work in teams and rely on distraction, a bump, a question, a crowd, and your bag is gone before you've noticed. Losing a phone or wallet in Berlin or Munich mid-trip is more than inconvenient. LUMA plans can help with eligible loss or theft of belongings, so you're not carrying the full replacement cost yourself.
04 Fell sick and need a doctor in Germany?
A packed itinerary through Berlin, the Black Forest, or Bavaria leaves little room for a bug that won't shift or a fever that shows up on day three. Germany's healthcare is reliable, and doctors in the cities often speak English, but how and when you pay depends on your situation. Medipro can help you figure out whether it's worth seeing a doctor, and your LUMA policy covers the eligible medical expenses if you do.
05 Tick bite on a hike through the Black Forest or countryside?
Tick-borne encephalitis and Lyme disease are real risks in Germany's forested and rural areas, particularly from spring through autumn. A tick bite in the Black Forest or along Bavaria's hiking trails can go unnoticed at the time, with symptoms developing days later. If you need testing, treatment, or monitoring, LUMA covers the eligible medical costs under your plan.
Your Germany Travel Insurance Questions, Answered
Yes, in forested and rural areas. TBE and Lyme disease are documented health risks in Germany's countryside, particularly in the Black Forest, Bavaria, and parts of southern and eastern Germany, from spring through autumn. A tick bite can go unnoticed, and symptoms may develop days later. The CDC recommends considering the TBE vaccine if you plan to spend extensive time outdoors. If you develop symptoms after a hike and need testing or treatment, LUMA covers the eligible medical expenses under your plan.
Yes. Germany has high-quality medical care and English-speaking doctors in major cities, though how and when you pay depends on your situation and the type of care. Whether it's a tick-related infection after a forest hike, a ski injury in Garmisch, or a stomach bug mid-itinerary, LUMA covers eligible medical expenses under your plan. Medipro can also help you decide whether your symptoms need a doctor and what kind of facility makes sense.
Yes. Germany visa applicants must submit proof of travel insurance covering a minimum of €30,000 for medical emergencies and repatriation, valid across all 29 Schengen countries for the full duration of the stay. Without a compliant certificate, a visa application can be refused. Travellers from visa-exempt countries like the US, UK, and Australia can visit for up to 90 days without a visa, though ETIAS travel authorization is planned for the last quarter of 2026. LUMA plans offer USD 50,000 onwards in medical coverage, so all plans meet the minimum coverage requirement for a Schengen visa.
Yes. Bavaria and southern Germany can see heavy snowfall and poor visibility in winter, and Munich Airport in particular is prone to delays and cancellations when conditions turn. Frankfurt, Germany's busiest hub, can also be affected by ice and fog disrupting connections. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses like meals or an overnight stay, with receipts and limits. Check the airport's status app before heading to the terminal on winter travel days, and build a buffer around tight connections.
