Emergency medical services, accidents, stolen luggage, losing a flight and other many factors can ruin a long-awaited holiday. Moreover, it can be extremely expensive, as in certain countries one night in a local hospital can cost € 10 (US$ 12.10). Travel assistance will solve any unforeseen circumstances.
This article reviews the various types of insurances that exist depending on your country of origin for Germany
US, Canadian and Australian citizens
It is not compulsory for US, Canadian or Australian citizens to be covered when traveling to Germany. Nevertheless, it is always strongly recommended.
British, Irish or other European citizens can acquire the European Health Insurance Card (EHIC), which will enable them to access German healthcare at a reduced cost or sometimes for free.
Nevertheless, keep in mind that the EHIC does not cover private health care, return flights, loss of luggage or stolen items; thus, it is usually a good idea to get a travel insurance - some of which are relatively inexpensive. Tourists also have the option of purchasing a cancellation insurance policy that covers the flight and the additional services at your destination.
Credit card insurances
If you purchase your flights with a credit card, most credit card companies will include a free travel insurance. However, before buying the flights, we suggest you check the coverage, since most are extremely basic. For example, the classic Visa credit card only covers € 9 (US$ 10.90) of medical care, insufficient amount to cover an average accident. Platinum credit cards offer more interesting travel insurances.
Schengen area travel insurance
For those who require a visa to enter Germany or other Schengen countries, travel insurance covering repatriation and medical expenses is compulsory and the necessary visa to enter Europe will not be issued unless you provide proof of suitable coverage.
How to hire an international travel health insurance?
Taking out medical insurance before travelling is important if you want to travel with peace of mind, should the unexpected happen. At Civitatis we offer complete medical insurance for Berlin from € 9 (US$ 10.90):