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Travel Insurance for Germany from India

Ensure a safe trip with Germany travel insurance plan.

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International Travel Insurance

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Are you planning a trip from India to the land of Oktoberfest, schnitzels, and fairy-tale castles? Before you pack your bags and set off on your German adventure, we have one important question for you: did you know you can’t enter Germany without possessing travel insurance? Don't worry, we've got you covered (literally!). ACKO's international travel insurance for Germany from India is here to make your trip stress-free and help you focus on the fun. Let's dive into the details!

Why do I need travel insurance for my Germany trip?
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Here’s why you should consider getting insured before you begin your trip to Germany.

The Schengen countries consist of approximately 26 nations located in Europe, which were made easily accessible to tourists under the Schengen agreement. However, in order to enter these countries, you need travel insurance. Thus, if you are travelling to Germany, which is one of the Schengen countries, it is mandatory to have valid travel insurance.

Financial protection
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During your trip to Germany, unanticipated expenses may arise. If you do not have adequate travel insurance, you may be forced to pay for these expenses out of your own pocket. On the contrary, if you have comprehensive travel insurance, it can protect your funds.

Medical coverage
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 If you become ill or have an accident while travelling, you may require immediate medical attention. Medical expenses in overseas nations are typically high. Travel insurance can make it easier to manage these medical costs.

Feel protected and secure
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The most significant benefit of having a travel policy for Germany is the psychological boost. You may want to enjoy your holiday without having to worry about potential financial losses you may incur due to mishaps. Travel insurance can provide you with the peace of mind you need to focus on having a good time.

Key features of ACKO’s Germany Travel Insurance Policy
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The table below summarises the essential characteristics of AKCO's Germany Travel Insurance Policy, as well as the applicable benefits.


Germany travel insurance benefits

Trip rescheduling/cancellation

It’s possible that for some unforeseen reason you may need to cancel/reschedule your trip to Germany. In such cases, if your reason for cancellation is acceptable under the policy terms, we will safeguard your travel investment.

Missed/delayed flight

This feature of our policy ensures that you are financially compensated if you miss your flight or it is delayed.

Baggage delay/loss

If your checked-in luggage is lost or delayed at the airport, we will cover the resulting monetary losses.

Loss of passport

If by chance you lose your passport during your trip to Germany, we will reimburse the cost of replacing it.

Adventure sports caused injuries

If you get injured while involved in an adventure sport, this feature will help you manage the required medical costs.

Illness and accident-related medical expenses

If you have this coverage, we'll pay for your medical expenses if you get sick or hurt due to an accident while you're in Germany.

COVID-19-related hospitalisation

If you get hospitalised because you have contracted the COVID-19 virus, we will help you manage the medical costs.

Trip cancellation due to COVID-19

Cancellation/rescheduling of your trip due to observing a COVID-19 quarantine is covered by this feature.

Loss of travel fund

If the cash you take along with you on your trip to Germany gets lost or stolen, we will support you financially as per policy’s terms.

Benefits of ACKO’s Germany Travel Insurance Plan
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In this section, we have listed some of the benefits of choosing our travel insurance for your Germany trip.

Budget-friendly policies
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You may have imagined that travel insurance is expensive. This may have deterred you from purchasing it in the past. However, this is not the case with ACKO's Travel Insurance for Germany. Our policy rates begin at Rs. 49 for a five-day trip period. This works out to less than Rs. 10 each day!

Digital insurance
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Do you dislike filling out forms? We understand! Our digital insurance process eliminates the need for paper-based forms. Our website/app allows you to remotely purchase/renew insurance, file claims, and perform a variety of other operations.

COVID-19 coverage
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If you contract COVID-19 during your trip, we will pay for your hospitalisation until you recover. Furthermore, if you miss a flight or suffer any other loss as a result of observing a COVID-19 quarantine, we will pay you monetarily.

Anywhere and anytime assistance
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Our travel insurance policy will cover you no matter where you go. We currently cover over 150 countries and provide related assistance 24 hours a day, seven days a week. Thus, regardless of where you are or what time it is, we have your back!

Tailor-made policies
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ACKO’s Travel Insurance Insurance offers the option of coverage customisation. Take advantage of this by selecting only the specific covers you need for your trip. That way, you can avoid paying for extraneous features and save money.

Zero deductibles
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We do not charge deductibles. So, if you encounter a mishap and raise a claim with us, we will cover the full expense. However, please note that the financial support we offer will be capped at the sum insured limit.

What is covered under ACKO Travel Insurance?
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The following are some of the main coverages offered under our Germany travel insurance policy.

Loss and delay of luggage
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While travelling by an airline, it is possible that your checked-in luggage may get misplaced or lost. In such cases, you can raise a claim against your loss. We will review your claim request and credit the applicable claim settlement as per your policy’s terms.

Compassionate visits
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If you are hospitalised in Germany and wish for the presence of a family member near you, just let us know. We will cover the costs of transporting a relative from your hometown to the location of the hospital in Germany.

Death and repatriation
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In the event of the tragic death of the insured during their trip, we will take care of the expenses that may follow. These could include the costs of transporting the body to India, cremation, and other death-related expenses.

Trip cancellation due to COVID-19
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Certain countries still enforce COVID-19-related restrictions. One of them is completing a few days of COVID-19 quarantine before being allowed to enter the country. In such instances, your travel plans can get affected. ACKO’s Travel Insurance has a provision to offer monetary compensation in such cases.

Cancellation and rescheduling of travel
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Life is unpredictable. Just before heading off on a trip, it is possible that you may encounter something unavoidable and need to cancel/reschedule your travel plans. ACKO’s Travel Insurance Policy offers financial protection in such situations. However, the reason you provide for the trip cancellation/rescheduling should be acceptable as per the policy terms.

All sports come with their own share of risks; more so adventure sports. If you are involved in an adventure sport in Germany and get injured, our travel policy will cover you. Coverage in such instances may include hospitalisation, physiotherapy and surgery.

Personal liability
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During your Germany trip, you may unintentionally hurt someone or damage their property. These types of accidents to a third party caused by you are covered under our travel insurance policy.

Passport lost
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If you lose your passport while travelling to Germany or during your stay there, it can put you at legal risk. Most countries are strict when it comes to foreigners not possessing their passports. To avoid related complications, you may need to replace your passport as soon as possible. Our Germany travel insurance from India will cover all the costs associated with your passport replacement.

Expenses for medical care
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During your Germany trip, you may become ill or sustain injuries as a result of an accident. As you may be aware, receiving medical care abroad is often costly. But don't be concerned! ACKO Travel Insurance will cover these costs. Keep in mind, however, that the coverage is subject to the maximum sum insured as well as the terms and conditions of your policy.

What is not covered under ACKO Travel Insurance?
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Now that you are aware of the inclusions of ACKO Travel Insurance Policy, here are some of its exclusions.

Travel exclusions

Legal exclusions

Medical exclusions

  • If you go to Germany without a visa.

  • If you are travelling to Germany for medical purposes.

  • Travelling despite not being in good health.

  • Travelling against the advice of a doctor.

  • Attempted suicide or self-harm.

  • Liabilities incurred while intoxicated.

  • Any financial loss resulting from carrying out a criminal act.

  • Harm resulting from doing risky work like aerial photography, tunnelling, mining, etc.

  • Health complications resulting from pre-existing health issues.

  • If a report to prove disability is produced by a family member.

  • Medical expenses associated with pregnancy.

Tips to buy the best travel insurance for Germany from India online
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We have shared some tips to buy the best travel insurance for Germany online.

Clarify the claim process
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Before buying travel insurance online, make sure to get a clear understanding of the claim process. The simpler the claim process, the better. So, keep this as a criterion while shortlisting insurance policies for your trip. Another benefit of understanding the claim process beforehand, is being able to make a claim without any hassle in a time of need.

Customise the covers
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Travel policies usually come with a few add-on cover options. Choosing all of them might drain your funds. Rather, select only the essential coverages. That way, you will be able to cut on unwanted expenditure and save your money.

Set a reasonable sum insured
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Sum insured is an insurance jargon used to describe the maximum amount the insured can claim through their policy. While buying a travel policy for Germany, make sure to choose a reasonable sum insured by considering the maximum financial loss you may incur during your trip.

How to raise a claim under ACKO’s Travel Insurance for Germany
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Usually, our smooth claim process consists of the following three steps.

Step 1: Give a missed call at 8061617799. Alternatively, you can shoot us an email at [email protected]

Step 2: Depending on the type of claim, kindly share the relevant documents. Once we receive the same, we will commence the claim process.

Step 3: There is nothing left to do from your end. Just relax while we take care of your financial liabilities.

We generally process claims swiftly. Nevertheless, please note that the speed of a claim settlement will be subject to the type and complexity of the claim request.

Things you should know before beginning your Germany trip
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In this section, we'll go over some things you should know before visiting Germany.

Learn some German
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Germans are generally very friendly and welcoming to tourists, but it's always appreciated if you make an effort to speak their language. Start with some basic phrases like "Guten Tag" (good day), "Danke" (thank you), and "Bitte" (please), and you'll be off to a great start!

Get ready to eat some amazing food
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Germany is known for its delicious cuisine, so be sure to indulge in some traditional dishes like schnitzel, bratwurst, and sauerkraut. And, of course, you can't forget about the beer, it's practically a national treasure!

Don't jaywalk
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Germans take traffic laws seriously, so make sure you wait for the crosswalk signal before crossing the street. Otherwise, you might get some disapproving glares from locals.

Bring cash
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While many places in Germany do accept credit cards, it's always a good idea to have some cash on hand for small purchases or if you find yourself in a cash-only establishment.

Explore the outdoors
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Germany is home to some of the most beautiful landscapes in Europe. So, take advantage of the opportunity to go for a hike, bike ride, or even a swim!

Don't forget your travel adapter
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Germany uses the standard European two-prong plug. So, be sure to pack a travel adapter if you're coming from a country with a different electrical system.

Get ready for some serious efficiency
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Germans are known for their punctuality and efficiency. So, don't be surprised if trains run on time to the minute and everything is meticulously organised.

Things you can’t miss!
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We have listed a few locations you can visit while in Germany to make your trip even better.

Germany Visa Information for Indians
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The following are the various types of visas Indians travelling to Germany can apply for.

Indian Embassy’s location in Germany
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For emergency assistance, reach out to the Indian Embassy in Germany. We have provided their contact details below.


Embassy of India, Berlin


Tiergartenstraße 17, 10785 Berlin, Germany

Phone number


Working hours

Monday to Friday from 9.00 hrs to 17.30 hrs

List of international airports in Germany
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The following are some of Germany’s popular international airports.

Travel documents required to travel to Germany
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Here are some of the essential documents for applying for a German visa.

Frequently asked questions
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To wrap things up, we have listed some of the most frequently asked questions on travel insurance for Germany from India.


Is travel insurance mandatory for visitors to Germany?

Yes, travel insurance is mandatory for visitors to Germany. All the Schengen countries require the visitors to possess travel insurance before entry. Germany is one among them.

What kind of coverage do I need for Germany?

To meet Germany's travel insurance requirements, you need to have coverage that includes at least €30,000 in medical expenses, as well as coverage for repatriation (returning you to your home country if necessary), and coverage for emergencies like natural disasters. You may also want to consider additional coverage for things like trip cancellation, lost baggage, or emergency evacuation.

How do I buy ACKO’s Travel Insurance for Germany from India?

You can purchase ACKO’s Travel Insurance for Germany from India online by visiting our website or smartphone app. The purchase process is simple and can be completed in just a few minutes.

How much does ACKO’s Travel Insurance for Germany cost?

The cost of ACKO’s Travel Insurance for Germany can vary widely depending on factors like your age, the length of your trip, and the level of coverage you choose.

What should I do if I need to use my ACKO Travel Insurance while in Germany?

If you experience a medical emergency, lose your luggage, or need to cancel your trip, you should contact us as soon as possible. Based on your situation, we will help you understand your coverage and guide you through the claims process. Make sure to keep all the relevant documentation handy, such as receipts and medical records, to support your claim.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions.