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Germany, as part of the Schengen Area, requires all visa applicants to present valid travel insurance as part of their visa application. Whether you are visiting for tourism, business, study, or family purposes, having proper insurance is mandatory to ensure that you are financially covered in case of medical emergencies or other unforeseen situations during your stay.
This blog post provides a comprehensive guide to the travel insurance requirements for a Germany visa.
Why Travel Insurance is Required
Travel insurance is mandatory for all applicants applying for a Schengen visa to enter Germany. The purpose is to guarantee that travelers have access to healthcare services in the event of illness, accidents, or other emergencies while in Germany or any other Schengen country. Without valid insurance, your visa application will be rejected.
Who Needs Travel Insurance?
The travel insurance requirement applies to:
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Non-EU/EEA nationals applying for a short-stay Schengen visa (Type C)
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Non-EU/EEA nationals applying for long-stay national visas (Type D), for purposes such as work, study, or family reunification
Even if you are transitioning from a tourist visa to a long-stay permit, initial travel insurance is still required at the time of visa application.
Key Requirements for Travel Insurance
Your travel insurance policy must meet the following conditions:
1. Minimum Coverage
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Must cover a minimum of 30,000 euros
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Should include coverage for:
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Medical emergencies
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Hospitalization
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Urgent treatment
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Repatriation of remains in the event of death
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2. Geographical Coverage
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Must be valid throughout all Schengen countries, not just Germany
3. Validity Period
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Must cover the entire duration of your intended stay
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For long-stay visa applicants, coverage from the date of arrival until you get German statutory health insurance is usually required
4. Deductibles
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The policy should have zero or minimal deductible
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This ensures that you do not have to pay a large portion of any claim out of pocket
5. Documentation
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The insurance certificate must:
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Clearly state your name and coverage dates
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Indicate the geographical area covered (Schengen)
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Show the total coverage amount
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Be issued and signed by an authorized insurance provider
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Additional Recommendations
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It is advisable to purchase the insurance from a provider recognized by German consulates or embassies
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Choose a provider that issues a visa letter or certificate you can attach to your visa application
For Long-Stay Visas (National Visa – Type D)
If you are applying for a long-stay visa for work, study, or family reunion:
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You must still provide travel insurance valid from your date of arrival in Germany until the start of your permanent health insurance coverage
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After arrival, German statutory or private health insurance will be required depending on your residence status
Where to Buy Travel Insurance
You can purchase travel insurance online, through local insurance brokers, or via international travel insurance platforms. When choosing a provider, ensure they offer:
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Instant policy issuance
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Downloadable insurance certificate
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Customer support in English or German
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Refund options in case of visa refusal
Final Checklist for Visa Application
Before submitting your visa application, confirm that your travel insurance:
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Covers at least €30,000 in medical emergencies
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Is valid in all Schengen countries
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Covers the full duration of your intended stay
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Provides a verifiable certificate for embassy use
Conclusion
Travel insurance is not just a formality; it is a critical part of your Germany visa application. Ensuring that your policy meets all Schengen requirements can significantly improve your chances of visa approval. Choose a reputable provider, review the coverage carefully, and include all necessary documentation with your application.
If you are unsure which policy suits your needs, consult with a visa advisor or contact the German consulate handling your application.
**This information is for informational purposes only and does not constitute legal or immigration advice.**
May 20, 2025
