
Worried about COVID-19?
You're not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.
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From lost luggage on arrival to cancelled flights on your trip home, avoid any extra costs on your upcoming trip by making sure you've got the right travel insurance coverage for Germany.
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You're not the only one. Travel insurance companies are now offering some cover for coronavirus. So you can travel with more peace of mind.
Imagine dealing with a foreign medical system in a language you don't speak, without the guidance and financial backing of a travel insurer. Travel insurance provides a range of financial protection against many travel risks in Germany, as well as the common travel concerns such as:
Nowadays, it's easy to
policies online and if you are unsure how, continue reading our guide. Once you decide on a travel insurance policy, you will have to nominate the appropriate region to include Germany. Policies will usually cover Germany in the Worldwide region or the Europe region.
If you do everything within reason to avoid such risks but still encounter trouble, travel insurance will cover you financially with respect to the conditions of their policy.
Back to topTravel is the time to try new things and push yourself out of your comfort zone to get the most authentic experience. Remember that for a lot of the more adventurous activities, you may need to purchase an add-on.
For travellers to Germany this may include:
Learn more about getting winter sports cover
Many of these activities are not automatically covered by insurers, so read the fine print before taking out a policy. Some providers will allow you to take out cover for these activities for an additional premium.
Back to topWhile your destination school in Germany will usually include a health insurance plan for the duration of your semester, it is wise to get additional travel cover to protect you medically during your travels as well as for cover against other travel risks such as flight cancellations.
Learn more about student travel insurance
While Oktoberfest is a time of celebration and undoubtedly one of the world's biggest festivals, you'll need to be extra vigilant if you choose to attend. As you might well be under the influence of alcohol, travel insurance will not cover you for any losses that occur during Oktoberfest.
If you plan to have a few beers in Munich, follow these tips to avoid a sticky situation:
The Department of Foreign affairs currently suggests that travellers exercise a high degree of caution if travelling to Kosovo, Russia, Turkey and Ukraine. Make sure you stay up to date to changes to the status of these countries as well the rest of Europe.
If an event or incident occurs that could lead to a claim, you need to contact your insurer as soon as possible. You'll need to fill out a claims form, and the insurer will also ask you to provide supporting documentation.
This may include:
It's worth pointing out that the Australian Government does not have a Reciprocal Health Care Agreement with Germany. This means you won’t be able to receive Medicare-like cover for your medical expenses. As the cost of medical treatment in Germany is considerably high, you will quickly rack up an expensive bill if you’re hospitalised on your holiday.
German hospitals require confirmation that you have the necessary travel insurance cover or available funds to cover your medical bills and in some cases, cover them upfront.
If you need help, most insurers operate 24/7 emergency assistance lines that you can call from anywhere in the world. They can help you find a medical provider, report stolen goods and find the assistance you need far from home.
Alternatively, in certain circumstances (for example if you lose your wallet) you may be better off contacting family and friends and having them wire you emergency funds
If you need help from the German emergency services, the national emergency numbers in Germany are 110 for police and 112 for fire and ambulance. If you require consular assistance you can get in touch with the Australian Embassy in Berlin or the Australian Consulate-General in Frankfurt.
Although cover varies depending on the insurer and the policy, comprehensive travel insurance typically covers:
However, there are a range of circumstances when you will not receive any cover, such as:
Before buying cover you should ask yourself:
Taking the time to work through these five steps will give you a much clearer idea of the right insurer, policy and level of cover for your trip to Germany
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Picture: barnyz, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
Picture: Thomas Depenbusch, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)
*The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies.Picture: GettyImages
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