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Travel Insurance for Germany from India

Ensure a safe trip with Germany travel insurance plan.

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Indian tourists who want to visit Germany or any other Schengen Area country must have travel insurance. You'll need travel health insurance for Germany that's valid throughout the Schengen Area. Plus, it's important to be ready for expenses that come up out of the blue, like trip delays, lost luggage, or medical situations. Stays in hospitals in these countries can be very expensive, which could hurt your funds. Don't worry though, we'll show you how easy it is to purchase travel insurance for Germany in this article.

Keep reading to find out more.

Why Do I Need Travel Insurance For Germany From India?
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Here’s why Germany travel insurance from India is crucial.

Financial protection
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During your trip to Germany, unanticipated expenses may arise. If you do not have travel insurance Germany, 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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You may need urgent medical care if you get sick or injured on the road. Medical expenses in overseas nations are typically high. Having travel insurance Germany can help ease the financial burden of unexpected medical expenses.

Mandatory requirement
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The Schengen countries consist of approximately 26 nations located in Europe, that 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.

Feel protected and secure
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The most important perk of having Germany travel insurance is the peace of mind it provides. You probably just want to relax and enjoy your time off without worrying about how your budget will hold up in case of an accident. Having travel insurance will allow you to relax and enjoy your trip.

Why Choose ACKO's Germany Travel Insurance?
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The ease of use makes ACKO the best insurance option. Travel insurance from ACKO is affordable and all-inclusive. overage for your India-Germany trip is easy and fast with us.

Here are some examples:


Constant support
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''Service is the essence of life,'' we believe. That is why we are here to help with your insurance questions whenever you have them, day or night, so you can travel worry-free.


Online insurance:
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With ACKO, you can buy a policy, file a claim, and manage your coverage online. 


Easy on the wallet:
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You can find affordable insurance plans that provide ample protection. ACKO offers basic five-day travel plans for Rs. 49*, or about Rs. 10 per day. 


Flexible pricing
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You can modify the coverage options on your ACKO travel insurance policy to meet your specific needs and financial constraints.

Here’s how Rohan benefited from Germany's travel medical insurance provided by ACKO
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Meet Rohan, who loves exploring new places. On his recent trip to Germany, he found out his luggage was missing when he arrived. Despite his efforts, the airport staff couldn't locate it.

Feeling stuck, Rohan reached out to Acko for help. Thankfully, ACKO compensated him for the lost baggage, easing his worries and letting him enjoy his trip stress-free.

"Thanks to ACKO, I got my baggage loss covered," says Rohan. "Their quick help made a tough situation much easier. I'm really grateful!"

Benefits Of ACKO’s Travel Insurance India To Germany
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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 medical 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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Dislike filling out forms? Yes, we know! We use digital insurance forms instead of paper ones. Our website/app let you buy/renew insurance, file claims, and more remotely.

COVID-19 coverage
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If you contract COVID-19 during your trip, we will pay for your hospitalisation up to the limit specified in the policy. Furthermore, we will pay you the compensation if you miss a flight or suffer any other loss due to observing a COVID-19 quarantine.

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 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 have no deductibles. We will cover all costs if you have a mishap and file a claim. However, note that our financial support is limited to the sum insured.

What's Covered

What's not covered

What's Covered By ACKO’s Germany Travel Insurance?
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The following are the situations usually covered under travel insurance for Germany from India.

Travel Coverage

  • Return of minor child to the city of residence in case of the insured person's hospitalisation

  • Family member’s compassionate visit in case of the insured person’s hospitalisation

  • Monetary loss for transportation in case of medical care and death of the insured person during the trip

  • Compensation for flight delay or cancellation

  • Compensation for rescheduling, if done by the carrier

  • Compensation for misplacement or delay of the checked-in baggage

  • Compensation for total loss/partial loss of checked-in baggage

  • Unrecoverable costs related to the loss of passport

  • Compensation in the event of a paid booking bouncing during travel

  • Compensation in the event of a paid booking bouncing during travel

Legal Coverage

  • Monetary loss brought on by an extended stay following an injury, illness, or hospitalisation

Medical Coverage

  • An accidental injury that requires hospitalisation or daycare

  • A medical emergency that requires hospitalisation or daycare

  • OPD medical expenses due to injuries or illnesses

  • Adventure sports-related injuries requiring hospitalisation

  • Permanent total disability/Permanent partial disability caused by an accident during the travel period

  • Accidental death of the insured person during the travel period

  • Coverage for transporting remains in case of death during travel due to injury or illness during the travel period

  • COVID-19 quarantine resulted in flight cancellation


What's Not Covered By ACKO’s Travel Insurance Germany? 
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The following are not covered by your India to Germany travel insurance policy.

Travel 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

  • If you purchase after leaving India or if your trip doesn’t end in India.

Legal exclusions

  • 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

Medical exclusions

  • 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


Note: Please take note that our policy document specifies in detail both what is and is not covered. 

How Do I Buy ACKO Travel Insurance For Germany From India?
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Follow these six simple steps to buy ACKO's travel insurance online for Germany:


How Do I Claim Online Travel Insurance Germany From ACKO?
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It is easy to file a claim with ACKO's Travel Medical Insurance Germany. Just follow these steps to make a claim: 

Cashless medical insurance: 

Added covers:


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

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

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

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 the locals.

Bring cash

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

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

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

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.


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Germany's capital city is a hub of art, culture, history, and nightlife. Be sure to visit the iconic Brandenburg Gate, Checkpoint Charlie, the Berlin Wall, and the vibrant neighbourhoods of Kreuzberg and Neukölln.


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The charming Bavarian city of Munich is famous for its beer halls, including the iconic Hofbräuhaus, and its beautiful architecture, such as the Neuschwanstein Castle.


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Speaking of beer halls, the world-famous Oktoberfest is an annual festival held in Munich that attracts millions of visitors from around the world. It's a great opportunity to try traditional German food and drinks, dance to live music, and dress up in dirndls and lederhosen.


The Rhine Valley
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A picturesque region in western Germany, the Rhine Valley is home to stunning landscapes, historic castles, and charming villages. Take a boat tour along the river, or explore the famous Lorelei rock and the town of Bacharach.


The Black Forest
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Located in the southwest of Germany, the Black Forest is a beautiful region known for its thick forests, beautiful villages, and classic cuckoo clocks. Don't forget to try the famous Black Forest cake, made with layers of chocolate, cream, and cherries.


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Germany's second-largest city is a vibrant port town with a rich maritime history. Visit the Miniatur Wunderland, the world's largest model railway, or take a stroll through the trendy neighbourhood of St. Pauli.


Cologne Cathedral
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One of the most famous landmarks in Germany, the Cologne Cathedral is a stunning Gothic cathedral located in the heart of the city of Cologne. Climb to the top of the tower for breathtaking views of the city.


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A beautiful city in eastern Germany, Dresden is home to stunning baroque architecture, including the famous Frauenkirche und Zwinger Palace. It's also a great base for exploring the nearby Saxon Switzerland National Park.

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

Visa Type


Airport Transit Visa

For travellers passing through a German airport

Transit Visa

For stopovers in Germany while en route to a third country

Tourist Visa

For tourism and leisure visits

Visa for Visiting Family/Friends

To visit relatives or friends residing in Germany

Business Visa

For conducting business activities in Germany

Visa for Official Visits

For official government visits

Medical Visa

For receiving medical treatment in Germany

Visa for Cultural, Sports, and Film Crews

For participating in cultural, sports, or film-related events

Trade Fair and Exhibitions Visa

For attending trade fairs, exhibitions, or conferences

Training/Internship Visa

For participating in training or internship programs

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.




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.



Altenburg Nobitz Airport

Altenburg Nobitz

Berlin-Tegel/Otto Lilienthal Airport


Bremen Airport


Cologne/Bonn Airport


Dortmund Airport


Düsseldorf International Airport


Frankfurt-Hahn Airport


Frankfurt International Airport

Frankfurt (Rhein-Main)

Franz Josef Strauss Airport


Friedrichshafen Airport


Hamburg Airport


Hanover Airport


Lübeck Airport


Memmingen Airport


Nürnberg Airport


Stuttgart Echterdingen Airport


Weeze Airport



Travel Documents Required To Travel To Germany
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Here are some of the essential documents for applying for a German visa.


Tips to buy the cheapest 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.

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 visitors to possess travel insurance before entry. 

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 we have explained it briefly in this blog.

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

For one adult travelling from India to Germany for 7 days, a $50,000 travel insurance plan starts at just ₹519 (excluding GST). [As of December 2023, this is how much it will cost]. You can click on this link to see how it is calculated.

What should I do if I need to use my ACKO Travel Insurance Germany on the trip?

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.

Can I purchase travel insurance after starting my trip to Germany?

No, you cannot buy travel insurance if your trip has already begun. 

What is the cost of travel insurance for Germany from India?

A $50,000 travel insurance plan for one adult going from India to Germany for 7 days starts at just ₹248 (without GST). This is the cost as of May 2024. 

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.

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