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How much does travel health insurance cost in Germany?

In short

An annual policy (Jahresvertrag) for holiday trips costs about EUR 8 to 25 a year for one person and EUR 20 to 90 for a family. A single-trip policy (Einmalpolice) usually costs under EUR 1 per travel day, so roughly EUR 8 to 20 for two weeks. It gets more expensive from about age 65, for trips over 56 days and once North America is included.

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How much does travel health insurance cost in Germany?

What it costs

Published premiums for annual policies, single-trip policies and long-stay cover, as of September 2026.

Example	Typical range
Annual policy, one person, trips up to 56 days	about EUR 8 to 25 a year
Annual policy, family	about EUR 20 to 90 a year
Annual policy, one person aged 70	around EUR 21 a year
Single-trip policy, one person, two weeks in Europe	from about EUR 0.60 a day, so roughly EUR 8 to 20
Three months worldwide without North America	around EUR 200
Three months worldwide with North America	about EUR 300 to 500
One year worldwide, without and with North America	about EUR 400 to 900 without, EUR 600 to 2,000 with

Guide values as of September 2026 from publicly quoted tariff examples. Some family tariffs became much more expensive in 2026. From about age 65 premiums rise or separate tariffs apply. That a family tariff costs less than three single policies, and that a deductible saves little here, are guide values from our quoting practice. We obtain the exact quote for you.

Worked example

Family of four, two trips a year

The annual policy is set against two single-trip policies for the same journeys: two weeks in Spain in summer and one week skiing in Italy.

Annual family policy, all trips up to 56 days	about EUR 30 to 90
Single-trip family policy, 14 days Spain	about EUR 35 to 80
Single-trip family policy, 7 days Italy	about EUR 18 to 40
Both single-trip policies together	about EUR 53 to 120

Even at two trips the annual policy is usually ahead, and it also covers the spontaneous third trip. For exactly one short trip a year the single-trip policy is cheaper. The daily rates are calculated at EUR 0.60 to 1.40 per person per day and are therefore guide values from our quoting practice.

What drives the price

Unlike contents or car insurance, your address plays no role here. The premium follows your age, the number and length of your trips, the region covered and whether a deductible (Selbstbeteiligung) is agreed.

The expensive element is the medical flight home (Rücktransport). It is rare but can run into six figures, which is exactly why the premiums stay so low. Saving on that part is the wrong place to save.

Price factor	Effect on the premium
Single-trip instead of annual policy	usually more expensive once you travel twice a year
Length of each trip	over 42 or 56 days you need a separate long-stay tariff
Age from about 65	surcharge or a separate tariff for older travellers
One person or a family	a family tariff usually costs less than three single policies
North America included	long-stay cover with the USA and Canada costs several times more
Deductible	lowers the premium by only a few euros, costs you in a claim
Sum insured and repatriation	unlimited medical costs add almost nothing

Single trip or annual policy

A single-trip policy covers one journey and is priced per day. An annual policy covers every trip in a year, normally with a limit of 42 or 56 days per trip. At two trips a year the two options are close; from the third trip the annual policy clearly wins.

The second advantage of the annual policy is practical: you do not have to think about it before booking. If you go away once a year for a week, the single-trip policy is cheaper.

Profile	Premium range
One person, annual policy, trips up to 56 days	about EUR 8 to 25 a year
Family, annual policy, trips up to 56 days	about EUR 20 to 90 a year
One person aged 70, annual policy	from around EUR 21 a year
Single-trip policy, one person, two weeks	about EUR 8 to 20
Three months worldwide without North America	around EUR 200
Three months worldwide with North America	about EUR 300 to 500
One year worldwide without North America	about EUR 400 to 900
One year worldwide with North America	about EUR 600 to 2,000

When you do not need your own policy

If you have private health insurance in Germany with worldwide cover including repatriation, you do not need a second policy. The same applies to a business trip covered by your employer's group policy. With a credit card that includes travel medical cover, check three points: does the trip have to be paid with the card, how many days does it cover, and is the flight home included?

One argument does not hold: that your destination has a social security agreement with Germany. Such agreements exist with Turkey, Tunisia, Bosnia and Herzegovina, Montenegro, North Macedonia and Serbia. They give you basic state care, and for Turkey only after exchanging a paper certificate locally. Private clinics, local co-payments and the flight home stay with you, and those are the large amounts.

Where saving becomes expensive

A deductible saves almost nothing on a premium of EUR 10 or 20 but costs you money in a claim. A cap on medical costs is a bad trade too: a hospital day outside Europe runs EUR 1,500 to 5,000, in the USA up to EUR 10,000.

The key sentence sits in the repatriation clause. If the insurer only pays when the transport is medically necessary (medizinisch notwendig), a medical opinion decides in a dispute. If it pays when the transport is medically sensible and reasonable (medizinisch sinnvoll und vertretbar), you get home sooner. An air ambulance from the USA costs EUR 60,000 to 80,000, an intensive-care transport from the Americas around EUR 200,000.

Step by step

Count how many trips you make a year and how long the longest one is.
Check whether North America is on the list, that decides the tariff.
Note everyone's age; from about 65 separate tariffs apply.
Compare an annual policy against single-trip policies with the same cover.
Before buying, check whether a card or your employer already covers you.

Checklist

Repatriation when it is medically sensible, not only when it is necessary
No deductible, since it barely lowers the premium
Trip length per trip covers your longest journey
Worldwide cover if North America is included
Medical costs without a cap, or at least a six-figure limit
Emergency line around the clock in a language you speak

Common mistakes

Looking only at the price and overlooking the repatriation clause
Taking an annual policy with 42 days per trip and then travelling for eight weeks
Assuming the card on the back of your German health card works everywhere
Paying for two policies because the cover from a card or employer is unknown

Questions and answers

Frequently asked

What does travel health insurance cost for two weeks?

As a single-trip policy usually EUR 8 to 20 for one person. An annual policy often costs no more and then covers every trip that year.

Is the annual policy cheaper than a single-trip policy?

From two trips a year almost always. For exactly one short trip the single-trip policy can be cheaper.

Why is cover for the USA more expensive?

Treatment there costs several times more. A hospital day can reach EUR 10,000, so insurers charge higher premiums for North America.

At what age does it get more expensive?

Usually from about 65. For a person aged 70 comparisons quote around EUR 21 a year, and some tariffs charge considerably more.

Is a deductible worth it?

Rarely here. The premiums are so low that a deductible saves little while costing you money in a claim.

Do I need a policy if my credit card includes one?

Only if the card cover is enough. Often the trip must be paid with the card, the number of days is limited and repatriation is missing.

What does a medical flight home cost without insurance?

An air ambulance from the USA costs EUR 60,000 to 80,000, an intensive-care transport from the Americas around EUR 200,000 and from Australia or New Zealand up to about EUR 400,000.

Sources

NAMMERT insurance broker

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