Best Travel Health Insurance For Parents Visiting Germany [2025 Guide]

Key takeaways

• Get personal liability, accident, and travel health insurance for your parents’ visit to Germany.
• Travel health insurance covers the medical costs your parents or visitors may incur in Germany and countries in the Schengen area. The coverage includes medication, hospitalization, repatriation, basic dental treatment, injuries during an accident, etc.
• Good travel insurance with a combination of personal liability and accident insurance costs 1.3 € per day (up to 64 years) or 4.5 € per day (65 and above).
• You need valid travel health insurance to get a German visitor visa.

This is how you do it

• Get travel health insurance before the start of your trip to Germany and other Schengen countries.
• We find travel insurance from Dr. Walter* and HansMerkur among the best.

Table of Contents

You are excited about your parents visiting you in Germany. You want to ensure they have good health insurance coverage during their stay.

However, you don’t know which travel insurance is the best or what other types of insurance you need to protect your parents and yourself.

You’ll find detailed answers to these questions in this guide.

Best travel health insurance for parents coming to Germany

Parameter	Dr. Walter	HansMerkur/Advigon	HansMerkur/Advigon	ADAC
Logo
To the provider	Go to provider*	Go to provider*	Go to provider*	Go to provider*
Customer service & documentation	🇩🇪 🇺🇸	🇩🇪	🇩🇪	🇩🇪
File a claim	Online	Mobile app	Mobile app	Download the PDF and send it by post.
About the company	It’s an insurance broker and sells incoming insurance plan from Würzburger Versicherungs-AG	Insurance company	Insurance company	Insurance company
Reviews
Our partner broker’s experience	Quick and helpful customer support	Slow customer response	Slow customer response	Slow customer response
Trustpilot i Review of the whole company and not the particular plan	3.9 (234 people reviewed)	2.8 (6.3K people reviewed)	2.8 (6.3K people reviewed)	2.1 (5.1K people reviewed)
TRAVEL INSURANCE
Plan	Provisit Visum	Basic	Professional	Reise-Krankenversicherung für Gäste aus dem Ausland
Price
Price (up to 64 years old)	Only travel health insurance: 1.1€ per day i Minimum fee is 20€ Travel health insurance + Accident insurance: 1.3€ per day i Minimum fee is 20€	HansMerkur 1.7€ per day (till 93 days) 2.4€ per day (from 94 to 365 days) Advigon 2.4€ per day	HansMerkur 2.5€ per day (till 93 days) 3.4€ per day (from 94 to 365 days) Advigon 3.4€ per day	up to 65 years old 1 month: 48€ 2 months: 69€ 3 months: 97€ 4 months: 199€
Price (65 to 74 years old)	Only travel health insurance: 6.5€ per day i Minimum fee is 20€ Travel health insurance + Accident insurance: 6.7€ per day i Minimum fee is 20€	HansMerkur 3.5€ per day (till 93 days) 8.6€ per day (from 94 to 365 days) Advigon 8.6€ per day	HansMerkur 4.5€ per day (till 93 days) 12.7€ per day (from 94 to 365 days) Advigon 12.7€ per day	66 and above 1 month: 133€ 2 months: 193€ 3 months: 311€ 4 months: 444€
Price (75 and older)	Only travel health insurance: 6.5€ per day i Minimum fee is 20€ Travel health insurance + Accident insurance: 6.7€ per day i Minimum fee is 20€	❌	❌	66 and above 1 month: 133€ 2 months: 193€ 3 months: 311€ 4 months: 444€
Outpatient medical coverage
Outpatient medical treatment costs i only by certified physicians	✅	✅	✅	✅
Prescribed medications and dressings	✅	✅	✅	✅
Prescribed massages, packs, inhalations	❌	300€/insurance year	✅	❌
Aids
Rental costs of prescribed aids as a result of an accident	up to 500€ i Visual and hearing aids are excluded	500€/insurance year i Visual and hearing aids are excluded	✅ i Visual aids upto 200€/insurance year	❌
Aids (not accident-related)	No information available	❌	500€/insurance year	❌
Inpatient medical coverage
Inpatient treatment in the general care i Shared room without optional services, i.e. without private medical treatment (chief physician)	✅	✅	✅	✅
Daily hospital allowance	Calculated according to the agreed sum in case of accident only (Max 180 days)	75€ (Max 14 days) i You can choose between the daily hospital allowance and payment for the medical transport and inpatient treatment. You don’t get both.	75€ (Max 14 days) i You can choose between the daily hospital allowance and payment for the medical transport and inpatient treatment. You don’t get both.	❌
Transportation
Transport by ambulance for inpatient treatment	Medically necessary	Medically sensible and justifiable	Medically sensible and justifiable	Medically necessary
Return transport to your home country i Medically necessary only	✅	✅	✅	✅
Repatriation of the mortal remains or funeral costs	30,000€	10,000€	10,000€	Repatriation: 100% Funeral: 5,200€
Dental coverage
Dental treatment for pain relief i Reimbursements up to the standard maximum rates of the German fee schedule for dentists (GOZ) at 2.3 times the fee rate.	up to 500€	500€/insurance year	1000€/insurance year	✅
Dental checkups	❌	❌	200€/insurance year	❌
Pregnancy
Medically necessary pregnancy treatments i E.g., premature birth, miscarriage, medically justified abortion	❌	✅	✅	✅ i Medical treatment of miscarriages and premature births up to and including the 30th week of pregnancy
Prenatal checkups and delivery	❌	❌	✅ i 6 months waiting period	❌
Deductible
Deductible per insurance claim	0€	25€	25€	50€
ACCIDENT INSURANCE
Cost (Accident insurance)	1.3€ per day (up to 64 years old) 6.7€ per day (65 and above) i The cost includes travel health insurance, liability insurance, and accident insurance	0.6€ per day (up to 64 years old) 0.7€ per day (65 to 74 years old) i The cost doesn’t include travel health insurance. It includes liability insurance, accident insurance, emergency, and luggage insurance	0.6€ per day (up to 64 years old) 0.7€ per day (65 to 74 years old) i The cost doesn’t include travel health insurance. It includes liability insurance, accident insurance, emergency, and luggage insurance	Don’t offer accident insurance
Accidental death benefit	5,000€	10,000€	20,000€	❌
Benefits in case of 100% accidental disability	67,500€	20,000€	60,000€	❌
Rescue costs	3,000€	5,000€	10,000€	2600€ i Part of travel health insurance
Plastic surgery as a result of an accident	3,000€	5,000€	10,000€	❌
LIABILITY INSURANCE
Liability insurance: Insured sum (Bodily injuries and property damage) i A liability risk exists if you, as a private individual, are obligated to pay compensation to others for everyday hazards based on the statutory liability provisions of private law applicable at the place of the damage.	1 Mil. euros	1 Mil. euros	2.5 Mil. euros	1 Mil. euros

*As most companies offer several products, the customer reviews on Trustpilot reflect a mix of those products.

The following is common among all travel health insurance providers.

• ✅ Provides the necessary medical coverage
• ✅ Coverage in Germany and Schengen countries.
• ✅ Travel insurance recognized by the visa authorities 
• ❌ Existing medical issues and foreseeable medical problems are not covered

Other travel health insurance providers are

• Allianz
• Ergo Reiseversicherung

However, they only offer services in Germany.

Dr-Walter

• No deductible, no age limit
• Unlimited coverage of medical costs
• Cancellation and rebooking free of charge
• Contract and services in English

Go to Dr. Walter*

What is a travel health insurance plan?

Travel health insurance covers your parents’ medically necessary treatment costs in Germany and other Schengen countries during their visit. It is also known as incoming health insurance (Incoming Versicherung).

Without travel health insurance, you bear the medical costs that may incur during your parents’ visit to Germany. Travel health insurance should fulfill the following requirements to get a German visa.

• Offer a health coverage of at least 30,000 €.
• It should be valid in Germany and other countries in the European Union.

Why should you get a travel insurance policy for your parents when they visit Germany?

• Your parents or foreign visitors need valid travel health insurance for a German or Schengen travel visa.
• Medical treatment is expensive in Germany. Hence, a travel health insurance policy is required to cover the medical costs.

What is covered by good travel health insurance for Germany?

• Outpatient treatment: Cost of medically necessary acute treatments. 
• Inpatient treatment: Cost of hospitalization and medically necessary inpatient treatments. Good travel insurance also covers doctor-prescribed rehabilitation measures after the treatment.
• Medication and test costs: Cost of prescribed medicines and tests.
• Accident: Medical treatment costs in case of an accident.
• Dental cover: Basic dental cover to relieve pain, simple dental fillings, and repairs to existing dentures.
• Medical repatriation: Medically reasonable return transport and repatriation to the home country.
• Costs of burial in Germany in case of death of the insured person.
• Transfer in the event of death: Cost of returning the deceased to their hometown. 

You should always contact the insurer before getting an expensive medical treatment. This will save you surprises in the future.

All travel health insurance plans only cover acute and medically necessary treatments. If your parents need extensive treatment, they have to return to their home country.

What is not covered by travel health insurance for Germany?

• Cost of medical treatments the insured person knew about before the start of the journey.
• If the treatment abroad is the sole reason or one of the reasons for the trip.
• There is no coverage in the countries where the insured person has a permanent residence.
• Travel insurance doesn’t cover prenatal examinations.
• The cost of child delivery after the 36th week of pregnancy is not covered.

NOTE: Travel health insurance is meant to cover the costs in cases of unplanned illnesses or accidents. They offer limited coverage.

How much does a good travel health insurance plan for Germany cost?

• Dr Walter costs 1.1 € per day for individuals up to 64 years old. So, you pay 99 € for a 90-day trip.
• HanseMerkur “Professional plan” costs 2.5 € per day for individuals up to 64 years old. So, you pay 225€ for a 90-day trip.

The table below summarizes the travel health insurance costs based on age and stay period.

Other types of insurance you should get for your parents traveling to Germany

Travel health insurance is necessary to cover the medical costs. However, you should also consider getting personal liability and accident insurance.

Dr. Walter and HansMerkur offer a combination of health, personal liability, and accident insurance. Experts recommend taking this combination.

Personal liability insurance for visitors works the same way as a normal German liability insurance plan. It covers the cost of damages your parents or visitors caused to others.

In the worst-case scenario, the damage costs can be in the millions. So, it’s important to get one for your parents during their visit to Germany.

The cost of a travel insurance policy offering health, personal liability, and accident coverage is

• Dr-Walter
  • 1.3 € per day (up to 64 years old)
  • 6.7 € per day (65 and above)
• HansMerkur
  • 3.1 € per day (up to 64 years old)
  • 5.2 € per day (65 and above)

Dr-Walter

• No deductible, no age limit
• Unlimited coverage of medical costs
• Cancellation and rebooking free of charge
• Contract and services in English

Go to Dr. Walter*

How do you claim travel health insurance benefits?

You can claim the travel insurance benefits by filling out an online form at the insurer’s website.

Dr. Walter offers online claim filing in English. HansMerkur’s online claim filing form is partially in German and English, but you can use a manual claim form that is available in English and other languages. 

Here are some general guidelines to make the claim process easy.

• Go to a general practitioner (Hausartz) before going to a specialist.
• Inform the doctor about the medical coverage your travel insurance offers. Dr. Walter also gives you a medical info card (Artze-info-ticket) that you must show the doctor during your visit.
• Before getting expensive medical treatment, check with your insurer to see if it’s covered by the travel insurance policy.
• Keep the invoice and file the claim as soon as possible.

What are the Schengen visa requirements for health insurance?

The German visa office doesn’t accept all travel health insurance providers and plans. Travel insurance must fulfill the following criteria.

• A minimum coverage of 30,000 €.
• It should be valid in Germany and other countries in the European Union.
• It must cover the repatriation costs in case of illness or death.
• Cover the hospitalization and emergency services costs.
• The travel insurance must be valid for the whole stay in the Schengen area.