germany Travel Insurance

• Will You Pay My Hospital Bills If I get Sick Or Injured In germany?

• Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
  
  In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Germany.

• Can I Apply To Extend My Travel Insurance Policy While I’m Away?

• Yes, if you want to extend your policy while you’re in Germany, the easiest way to do this is via the Policy Manager.
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDT).
  
  If you have trouble, you can email us at [email protected]
  
  Please note there may be instances where a policy extension is not available. 

• What Do I Do If I'm robbed In germany?

• If you are robbed while you’re in Germany, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim. 

• I’m in germany and the airline has lost my luggage. What Do I Do?

• If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
  
  However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear). Learn more about what to do if you have a travel incident.

• Do Reciprocal Health agreements apply in germany? 

• No, Australia has reciprocal health care agreements with some countries in Europe, Germany is not one of these countries. Reciprocal health care agreements provide health care in some circumstances, but will not cover all health care needs - in particular emergency assistance and repatriation, costs of medicines and dental care. Find out more here. 

• Do i need a visa for germany?

• If you are planning to visit any of the countries in the Schengen Area, including Germany, for more than 90 days within a 180-day period, you will need to obtain a visa. If you are travelling for a purpose other than business, visiting friends and family, tourism or a holiday, participating in a cultural or sports event, necessary transit, an official visit, medical reasons, such as surgery or another treatment, short-term study, or research you will need to obtain a visa. Read our full guide here.

• I’m Travelling To Multiple Countries other than germany. Do I Need To List All My Destinations?

• When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s). 
  
  If you're travelling to multiple countries, you need to nominate the countries when you are applying for cover.
  
  If you’re going on a cruise, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack, you won't be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.

• Can I Choose My Excess?

• Yes, if you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront.

• I travel to germany a few times a year. What’s the best policy for me?

• We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 
  
  Find out more about our annual travel insurance policies here.

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

• What Happens If I Encounter Terrorism Or Political Unrest In germany?

• In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
  
  However, if you do get caught up in an unforeseen event while you are in Germany and you are injured, cover is available for all necessary medical/hospital expenses.

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