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How much does trip cancellation insurance cost in Germany?

In short

A policy for one trip usually costs 3 to 8 percent of the trip price, so EUR 90 to 240 for a trip worth EUR 3,000. An annual policy (Jahresvertrag) for one person costs about EUR 29 to 200 depending on the trip value you insure, and about EUR 55 to 215 for a family. From two trips a year the annual policy is almost always cheaper.

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How much does trip cancellation insurance cost in Germany?

What it costs

Published tariff examples and ranges for Germany, as of 2026.

Example	Typical range
Policy for one trip, share of the trip price	usually 3 to 8 percent
Trip worth EUR 3,000, 14 days, comprehensive cover per person	about EUR 80 to 150
Annual policy, one person, trip value up to EUR 3,000	about EUR 100 to 140 a year
Annual policy, family, trip value up to EUR 3,000	about EUR 102 to 149 a year
Annual policy, one person, trip value up to EUR 1,000, with a 20 percent deductible	about EUR 41 a year
Annual policy, family, trip value up to EUR 3,000, with a 20 percent deductible	about EUR 123 a year
Annual policy, travellers aged 65 and over, trip value up to EUR 3,000	about EUR 156 to 239 a year

Guide values as of September 2026 from publicly quoted tariff examples. The euro amounts for a single trip in the table are calculated from the documented percentage of the trip price and are therefore a guide value from quoting practice, as is the comparison between plain cancellation cover and a package. Your premium depends on trip price, age and scope; we obtain the exact quote for you.

Worked example

Family of four, package holiday worth EUR 3,000

The family books in January for the summer and wants to know whether a policy for this trip or an annual policy is cheaper.

Policy for this trip, around 5 percent of the trip price	about EUR 150
Annual family policy up to EUR 3,000, no deductible	about EUR 102 to 149
Annual family policy up to EUR 3,000, 20 percent deductible	about EUR 123
Second trip in autumn worth EUR 1,500, own policy	about EUR 75

For one trip the two options are almost level. Add the second trip and two single-trip policies cost about EUR 225, while the annual policy stays at about EUR 102 to 149. Here the annual policy pays off from the second trip on. Worked example with guide values.

What drives the price

The trip price matters most. A policy for a single trip (Einmalpolice) is priced as a share of what the trip costs, usually 3 to 8 percent. With an annual policy you pick an upper limit per trip and pay one fixed premium for every trip in the year.

Then come age, the number of people, the deductible (Selbstbeteiligung) and the scope. Older travellers pay noticeably more because the risk of a sudden illness rises. Long-haul and long trips carry a surcharge, while children usually cost nothing extra in a family tariff (Familientarif).

Factor	Effect on the premium
Trip price	direct, a single-trip policy costs about 3 to 8 percent of it
Age of travellers	from 65 often one and a half to two times as much
Number of people	a family tariff caps the premium, children often free
Deductible of 20 percent	about 15 to 25 percent off the premium
Single trip or annual policy	from two trips a year the annual policy wins
Destination and length	long-haul and multi-week trips carry a surcharge

Prices by trip value

The table puts the usual 3 to 8 percent range next to published annual premiums, so you can see where the line between the two options sits.

The figures apply to travellers under 65 and to tariffs without a deductible. With a 20 percent deductible the premium is about 15 to 25 percent lower.

Insured trip value	Policy for one trip	Annual policy, one person	Annual policy, family
up to EUR 1,000	about EUR 30 to 80	about EUR 29 to 67	about EUR 55 to 108
up to EUR 2,000	about EUR 60 to 160	about EUR 59 to 100	about EUR 79 to 208
up to EUR 3,000	about EUR 90 to 240	about EUR 100 to 140	about EUR 102 to 149
up to EUR 5,000	about EUR 150 to 400	about EUR 141 to 200	about EUR 155 to 215

When the annual policy pays off

For exactly one trip a year both options cost roughly the same. For a trip worth EUR 3,000 published examples show about EUR 105 for a single-trip policy and about EUR 95 for an annual policy for one person, and about EUR 105 either way in a family tariff.

The difference shows up on the second trip: the single-trip policy is due again, the annual one is not. Just make sure no trip costs more than the upper limit you chose, otherwise the insurer only pays up to that amount.

When you can skip it

On a cheap trip the premium is out of proportion. For a EUR 400 trip you pay about EUR 12 to 32 while the cancellation fee itself stays small. If you could pay that fee out of your own pocket, you do not need the policy.

The same is true for bookings you can cancel free of charge, which many hotels and flexible flight fares allow until shortly before arrival. And a 20 percent deductible can eat most of a small claim, because many tariffs also subtract a minimum amount of around EUR 25.

Cancellation only or a full package

Plain cancellation cover pays the cancellation fee if you have to call the trip off before it starts. Packages add travel health insurance (Auslandskrankenversicherung), trip interruption (Reiseabbruch) and baggage. As an annual policy for one person, plain cancellation starts at about EUR 46 and the package at about EUR 77.

Whether the package makes sense depends on what you already have. Some credit cards include travel health cover, and German contents insurance (Hausratversicherung) sometimes covers baggage. Paying twice buys nothing, because only one insurer pays in a claim.

Step by step

Add up the trip price for everyone travelling and read the tour operator's cancellation scale.
Note everyone's age, because premiums rise sharply from 65.
Count your trips for the year: from two trips, price the annual policy.
Put quotes with and without a deductible side by side and read the minimum amount.
Decide whether you only need cancellation cover or a package with travel health and baggage.

Checklist

Sum insured covers the full trip price for everyone travelling
Everyone travelling is named in the policy
Deductible and its minimum amount checked in the terms
Trip interruption either deliberately included or deliberately left out
Deadline met, usually at booking or up to 30 days before departure
Upper limit of the annual policy fits your most expensive planned trip

Common mistakes

Declaring a lower trip price than you paid and getting only part of the loss back
Buying cover for a cheap trip where the cancellation fee barely exceeds the premium
Choosing the deductible on price alone and missing the minimum amount
Buying a new single-trip policy again and again when you travel several times a year
Setting the annual policy's upper limit too low

Questions and answers

Frequently asked

What percentage of the trip price does cancellation cover cost?

Usually 3 to 8 percent. On a trip worth EUR 2,000 that is about EUR 60 to 160, depending on age and deductible.

When is an annual policy worth it?

Usually from two trips a year. For a trip value up to EUR 3,000 an annual policy for one person costs about EUR 100 to 140 and covers every trip that year.

How much does a deductible save?

Tariffs with a 20 percent deductible cost about 15 to 25 percent less. In a claim you pay 20 percent of the cancellation fee yourself, often with a minimum of around EUR 25.

Why do older travellers pay more?

Because the risk of a sudden illness is higher. From 65 an annual policy for a trip value up to EUR 3,000 often costs about EUR 156 to 239 instead of EUR 100 to 140.

Is a family tariff cheaper than separate policies?

Almost always. It caps the premium and children usually travel at no extra cost. For a trip value up to EUR 3,000 it is about EUR 102 to 149 a year.

What does the package with travel health and baggage cost?

As an annual policy for one person, plain cancellation cover starts at about EUR 46 and the package at about EUR 77. Check first what your credit card and contents insurance already cover.

Do the policy documents come in English?

Some insurers offer English documents or service, many do not. The German wording applies in a claim, so ask us when a clause is unclear.

Sources

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