Is there insurance against alien abduction in Germany?
In short
No. There is no insurance against alien abduction in Germany, and no insurer offers it. Abroad, mainly in the US and the UK, joke policies were sold, and no genuine claim payment is known. What matters in real life is accident insurance (Unfallversicherung) at about EUR 60 to 180 a year and travel health cover from about EUR 10.
There is no price for an alien abduction policy. These are premiums for cover that actually helps in daily life in Germany.
Example
Typical range
Private accident insurance, adult with an office job, basic sum EUR 100,000, 350 percent progression
about EUR 60 to 180 a year
Same cover for an adult in a manual trade
about EUR 120 to 260 a year
Travel health insurance, annual policy, one person
about EUR 10 to 20 a year
Travel health insurance, annual policy, family
about EUR 20 to 35 a year
Guide values as of October 2026 from publicly quoted tariff examples.
Nobody in Germany offers insurance against alien abduction;
we obtain the exact quote for accident and travel cover for you.
Worked example
Amateur astronomer in Germany, office job, two long trips a year
Instead of a joke policy, she covers the risks her hobby really brings.
Accident insurance, basic sum EUR 100,000
about EUR 60 to 180
Travel health insurance, annual policy
about EUR 10 to 20
Insurance against alien abduction
EUR 0, it does not exist
Together about EUR 70 to 200 a year for cover that genuinely pays after a fall or an illness abroad.
Why German insurers will not cover alien abduction
An insurer needs two things: a risk it can price from past experience and a loss it can verify. Alien abduction offers neither. There is no data to calculate a premium from, and no evidence a claims handler could check.
Without proof there is no claim, and a policy that can never pay is a novelty item, not protection. That is why you will not find an alien abduction tariff in Germany, not even as an add-on.
The joke policies sold in the US and the UK
Alien abduction policies were sold mainly in the US and the UK, mostly as gifts or party jokes.
What is documented is the sales, not a payout after a real abduction. If someone offers you such a certificate today, treat it as a joke for the fridge door.
When kidnapping is a real concern
Kidnapping by humans does happen. Kidnap and ransom insurance pays for crisis consultants and ransom, and it is mainly bought by companies whose staff travel to unstable regions.
For a holiday in Europe you almost certainly do not need it. Before long-haul trips, check the travel and safety advice of the German Federal Foreign Office (Auswärtiges Amt).
What actually helps on a night of UFO spotting
If you go out at night looking for lights in the sky, you are far more likely to trip into a ditch than meet a spaceship. That is what private accident insurance is for. Under the German model conditions, an accident is a sudden external event that damages your health against your will.
One twist with a serious core: the model conditions exclude mental disorders caused by psychological reactions. The shock of a supposed close encounter would not be covered anyway.
Event
What really pays
Fall while stargazing at night
private accident insurance, treatment through your health fund
Injury on a trip outside the EU
travel health insurance (Auslandskrankenversicherung)
Telescope stolen in a burglary
contents insurance (Hausratversicherung)
Your drone damages a car while filming the sky
liability insurance that includes drones
Alien abduction
no insurer, no tariff
When an alien policy is a warning sign
If someone sells you an alien abduction policy with a serious promise of cover, be careful. Insurers in Germany need a licence from the financial regulator BaFin, and you can look up any provider in its company database.
As a gag gift, such a certificate is harmless as long as everyone knows it pays nothing. Your money for real protection is better spent on accident, liability and travel cover.
Step by step
List the real risks of your hobby: darkness, terrain, equipment, travel.
Choose accident insurance with a sufficient basic sum and progression.
Take out an annual travel health policy for trips abroad.
Check whether your liability insurance includes drones.
See joke policies as gifts, never as protection.
Checklist
Accident insurance with at least EUR 100,000 basic sum
Travel health cover including medical repatriation
Contents insurance covers telescope and camera after a burglary
Liability cover includes drones if you film
Providers promising real cover checked in the BaFin database
Common mistakes
Treating a joke certificate as real insurance
Going on night trips without accident insurance
Travelling outside the EU without travel health cover
Questions and answers
Frequently asked
Is there insurance against alien abduction?
Not in Germany.
Abroad, such policies were sold as a joke, and no payout after a real abduction is documented.
Has an alien abduction policy ever paid out?
No verified claim is known.
Without proof of the abduction, no insurer could assess or pay a claim.
Does accident insurance pay after a UFO encounter?
Only if you are physically injured, for example in a fall.
Mental effects such as shock are excluded under the German model conditions.
Can I insure against kidnapping by people?
Yes, with kidnap and ransom insurance.
It is mainly for companies with staff in unstable countries; private travellers rarely need it.
Can I give an alien policy as a present?
As a novelty, yes.
Just make sure the recipient knows it pays nothing, and avoid any seller who promises real cover.
