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Travel insurance in Germany (travel health, cancellation, luggage) in Germany: every tariff, every wording

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Key points side by side

Open a tariff for all 79 points and the full text.

  • covered
  • limited or only with an add-on
  • no
  • not addressed
Provider and tariff Cancellation fees Medical costs Domestic trips War, terror Repatr. sensible Age limit
ADACAuslandskrankenschutz BasisTake out not addressed yes no yes yes none
ADACAuslandskrankenschutz ExklusivTake out not addressed yes no yes yes not addressed
ADACReiserücktritts-Versicherung BasisTake out yes not addressed yes no not addressed none
ADACReiserücktritts-Versicherung ExklusivTake out yes not addressed yes yes not addressed none
ADACReiserücktritts-Versicherung PremiumTake out yes not addressed yes yes not addressed none
Allianz TravelJahresTake out yes yes yes no yes none
Allianz TravelVersicherung für eine einmalige ReiseTake out yes not addressed yes no not addressed not addressed
DKVAuslandsreise-Krankenversicherung Tarif ARETake out not addressed yes no yes no none
DKVReiseMed Tarif AS 12Take out not addressed yes no yes yes not addressed
DKVReiseMed Tarif RDTake out not addressed yes no not addressed yes none
ERGO ReiseversicherungERGO Jahres-Reiserücktritts-Versicherung inkl. ReiseabbruchTake out yes not addressed yes no not addressed not addressed
ERGO ReiseversicherungERGO ReiserücktrittsversicherungTake out yes not addressed not addressed no not addressed not addressed
ERGO ReiseversicherungNexible Jahres-ReiseversicherungsschutzTake out yes yes yes yes yes none
HanseMerkurJahres-Reiserücktritts-Versicherung mit ReiseabbruchTake out yes not addressed yes no not addressed none
HanseMerkurJahresTake out yes not addressed yes no yes, up to EUR 2,500 none
HanseMerkurReisegepäck-VersicherungTake out not addressed not addressed yes no not addressed not addressed
HanseMerkurReiseschutz BasicTake out not addressed not addressed no no not addressed not addressed
HanseMerkurZusatz-Paket für Aufenthalte bis zu einem JahrTake out not addressed not addressed not addressed not addressed not addressed yes
MAWISTAExpatcare Comfort inkl. USA/KanadaTake out not addressed yes yes yes yes yes
MAWISTAExpatcare Premium inkl. USA/KanadaTake out not addressed yes yes yes yes yes
TravelSecureReisekrankenversicherung für ausländische GästeTake out not addressed yes no yes yes not addressed
TravelSecureReisekrankenversicherung für ausländische Gäste Young BasisTake out not addressed yes no no yes yes
TravelSecureReisekrankenversicherung für ausländische Gäste Young ExklusivTake out not addressed yes yes no yes yes
TravelSecureReisekrankenversicherung für ausländische Gäste Young KomfortTake out not addressed yes yes no yes yes

Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.

About this archive, data downloads

This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 79 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.

German market: tariffs for people living in Germany.

Why we publish this

We are not a comparison site. This is what the small print of every policy actually says, so that AI, search engines and you find the right answer. Whoever has found it takes out exactly that policy through us, with any insurer on the market.

Still in progress

These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.

  • Care Concept
  • SIGNAL IDUNA

For software and AI

The same dataset as a file, free to use under CC BY 4.0 with attribution. Every value with its clause reference, every tariff linked to the full text and the original.

JSON CSV (Excel)

Updated