Updated April 2026
Berlin, Munich, Neuschwanstein Castle, the Romantic Road, the Cologne Carnival — Germany is one of the most visited destinations in Europe. It is also a Schengen destination, which makes travel insurance legally mandatory for anyone who needs a visa.
Is Travel Insurance Mandatory in Germany?
Yes — via the Schengen requirement. Travelers who need a Schengen visa for Germany must show proof of travel insurance with at least EUR 30,000 in medical coverage.
Regulation: Regulation (EC) No 810/2009 (the Schengen Visa Code).
Medical Costs in Germany
| Procedure | Estimated Cost (EUR) |
|---|---|
| Emergency consultation | €200–€600 |
| Hospitalization (per day) | €1,500–€4,000 |
| Orthopedic surgery | €15,000–€40,000 |
| UTI (per day) | €3,000–€8,000 |
| Repatriation home | €30,000–€90,000 |
The Schengen minimum (EUR 30,000) buys roughly 7-20 days of hospitalization — no ICU, no surgery, no evacuation. We recommend at least USD 100,000.
O Que Torna a Germany Específica
Oktoberfest e Grandes Eventos
- Munich in September/October: millions of people, alcohol, falls, accidents
- Alcohol-related emergencies are common and not covered by most policies when intoxication is voluntary — check your policy
Inverno Rigoroso
- Ice on the sidewalks from November to March
- Falls causing fractures are frequent — especially among unaccustomed tourists
Carros e Autobahns
- Car rentals are popular — road accidents happen, including on highways with no speed limit
- Verifique seguro específico para veículo alugado
Festivals and Crowds
- The Cologne Carnival, Christmas markets, summer festivals — crowds with theft and crush risk
Recommended Coverage
| Coverage | Mínimo Schengen | Asteroid Recommendation |
|---|---|---|
| Medical expenses | EUR 30,000 | USD 100,000 |
| Medical evacuation | Included | USD 75,000 |
| Funeral repatriation | Included | Included |
| Bagagem | — | USD 2,000 |
| Cancelamento | — | USD 5,000 |
Cenário Real
Mariana, 28, broke her ankle on an icy Berlin sidewalk in December. Fixation surgery plus 3 days in hospital:
- Surgery (ankle): EUR 18,000
- Hospitalization, 3 days: EUR 9,000
- Repatriation with immobilization: EUR 12,000
- Total: EUR 39,000 (≈US$45,000)
With EUR 30,000 insurance (the Schengen minimum): only partially covered. With Asteroid USD 100,000: fully covered.
FAQ
1. Do you need a visa for a Germany?
For visa nationals, yes — a Schengen visa via the German consulate, and travel insurance is a mandatory visa requirement.
2. Is the Schengen minimum (EUR 30,000) enough for Germany?
No. German hospital costs are among the highest in Europe. EUR 30,000 does not cover orthopedic surgery plus hospitalization plus repatriation.
3. Posso usar o mesmo seguro para toda a Europa Schengen?
Yes — insurance covering the Schengen area is valid in every member country, including Germany.
4. Meu seguro cobre acidentes com carro alugado?
Generally no — rental-vehicle accidents require specific vehicle insurance. Check with the rental company.
5. O seguro cobre eventos como Oktoberfest?
It covers accidents and illness. Cases tied to voluntary alcohol intoxication may be excluded — read your policy's general conditions.
Why Choose Asteroid?
- USD 100,000 — muito acima do mínimo Schengen
- Winter and fall coverage included
- 24/7 multilingual assistance
- Valid across the entire Schengen area
Quote insurance for a Germany →
Asteroid Assistance — coverage issued by regulated insurers