Travel insurance for Germany

From fairytale castles and medieval towns to modern cities brimming with innovation, Germany is a country that effortlessly blends the old with the new. Whether you are wandering through the Black Forest or exploring the Rhine Valley, Germany offers a rich tapestry of experiences, making it a favourite among both solo travellers and families.

Amid such unforgettable adventures, Germany travel insurance quietly plays its part, offering financial protection when things do not go as planned.
Picture this: a sudden flight delay at Munich International Airport due to unexpected weather. Instead of stressing over extra costs, you can relax knowing we have got your back with coverage for meals and accommodation, helping you stay comfortable while you wait.

Or imagine arriving at Frankfurt Airport only to find your baggage has taken a detour. During the busy tourist season, this is common, but it does not have to ruin your plans. IndusInd travel insurance steps in to cover essential purchases like clothes and toiletries so you can keep exploring Germany’s wonders without missing a beat, even if your suitcase joins the trip a little late.

IndusInd travel insurance is a travel companion who is always one step ahead, ensuring that the only surprises are the magical ones Germany has to offer. Filing a claim is quick with the IndusInd Insurance app, so whether it is a sprained ankle in the Alps or accidental damage to someone’s property, support is always just a tap away.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

Your trip to Germany should be full of delightful surprises, not unforeseen expenses. IndusInd Germany Travel Insurance (previously Reliance Germany Travel Insurance) offers reliable coverage to ensure your German adventure goes without a hitch.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Germany

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Germany Travel Insurance

Medical Coverage

Germany offers a plethora of exciting outdoor activities, from hiking in the Bavarian Alps to cycling along the Rhine River. While enjoying these activities, suppose you accidentally injure your knee, requiring emergency medical attention and transportation to a hospital.

With IndusInd travel insurance, you can breathe easy knowing your medical expenses are covered up to USD 500,000, ensuring you receive timely and expert care without the burden.

Full Refund on Visa Rejection

Imagine you have submitted all your documents correctly and on time for your Germany visa application. However, the visa is rejected due to a sudden change in government policies affecting travellers from your country. In this case, we will refund 100% of the premium on visa rejection*, saving you from unnecessary financial loss and allowing you to re-plan your travel without the added stress of lost expenses.

Baggage Support

Lost or delayed baggage is a frequent inconvenience that travellers often encounter, especially at major airports like Frankfurt Airport during the busy season.

A delayed checked-in baggage can be an unwelcome start to your journey. This is why we provide up to USD 100 for delays of 12+ hours, helping you purchase essential items like toiletries, clothing and other necessities until your bags arrive. And if your baggage is permanently lost, we have got you covered there too. You can claim up to USD 1500 and keep the joy of your German adventure going.

Passport Loss

Exploring a festive Christmas market in Cologne can be delightful, and it is easy to get caught up in the lively crowds and colourful stalls. But such crowded tourist areas are often hotspots for thieves, and losing your passport to theft is an unfortunate possibility. That is why IndusInd travel insurance offers up to USD 300 to help cover expenses associated with obtaining a replacement passport, ensuring you can continue your journey without unnecessary stress.

Personal Liability

Suppose you are enjoying a guided bike tour through Berlin’s scenic parks and, while passing pedestrians, you accidentally collide with someone, causing them to fall and sustain a minor injury. In this situation, you will get up to USD 30,000 to cover the medical damages of the injured person, compensate for any damage caused to their property and pay for your legal costs associated with defending any liability claims.

Financial Emergency Assistance

While Germany is generally a safe travel destination, as with any popular tourist spot, petty crime such as theft can occur. For instance, you might step out briefly to catch some fresh air, only to return and find that your wallet with cash and cards has been stolen during a break-in. Instead of letting panic ruin your holiday, the financial emergency assistance cover of your IndusInd travel insurance comes to your rescue, providing up to USD 300 to help you cover immediate expenses. This benefit allows you to navigate unforeseen situations smoothly.

Key Features

Key Features of IndusInd Germany Insurance

Individual Travel Plan

IndusInd Germany Travel Insurance is the perfect travel companion, offering comprehensive protection against a variety of travel disruptions. Our individual travel plan is designed to meet the unique needs of individual travellers, ensuring that solo journeys are as secure as they are exciting. Here is why this plan is particularly beneficial for solo explorers -

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

While the individual plan empowers solo adventurers, our family travel insurance plan is crafted to provide holistic and convenient protection for an entire family travelling together. It eliminates the need for purchasing separate policies for each member, offering a unified safety net under a single plan.

Here is why this plan is an ideal choice for families exploring Germany -

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy wordings for detailed information linked here.

Inlcusion Exclusion

IndusInd Germany Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: For a detailed list of inclusions and exclusions, please refer to our official policy wordings linked here.

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How to Buy?

How to Buy IndusInd Germany Travel Insurance?

Getting your IndusInd Germany Travel Insurance is fast and effortless. You can buy your policy online in just a few clicks before you travel. Here are the simple steps to follow -

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Germany as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Germany travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Germany Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: Please refer to our official policy wordings for the detailed claims process.

Types of Visas for Germany

Germany offers a range of visa options tailored to the duration of your stay, whether it is a short visit, an extended stay or a transit through the country. Read on to understand which visa best fits your plans -

Schengen Visa

Also known as the C visa or short-term visa, ideal for those who wish to stay in Germany for up to 90 days, valid for up to 180 days.
The holder of a multiple-entry visa may enter the Schengen area an unlimited number of times until the visa's validity, provided they respect the rules on duration of stay.

National Visa

Also known as the D visa or long-term visa, suitable for those who wish to stay in Germany for more than 90 days, valid for up to 1 year.

Airport Transit Visa

Allows a short stopover at an international airport, only without leaving the airport’s international transit area or overnight stay in a hotel.

If you need to leave the transit area, for example, to catch a connecting flight from a different airport within the Schengen area, you must apply for a regular Schengen visa instead. For more details, click here.

Embassy Contact Details: India and Germany

Parameters	German Embassy in India	Indian Embassy in Germany
Country	Germany	India
Location	New Delhi	Berlin
Address	No. 6/50G, Shanti Path, Chanakyapuri, New Delhi 110021	Tiergartenstrasse 17, 10785 Berlin, Germany
Contact Number	(0091-11) 44199 199	+49-30-25795-0
Email Address	info@new-delhi.diplo.de	visa.berlin@mea.gov.in passport.berlin@mea.gov.in mincons.berlin@mea.gov.in
Website	https://india.diplo.de/	https://indianembassyberlin.gov.in/index
Operating Days	Monday to Friday (except holidays)	Monday to Friday (except holidays)
Operating Hours	Monday to Thursday - 8:00 am - 5:00 pm Friday - 8:00 am - 2:00 pm	9:00 am - 5:30 pm

Best Time to Visit Germany

To get the most out of your trip to Germany, it is important to pick the right time to go. Whether you are interested in festivals, historic sights or scenic landscapes, here is a guide to the best time to explore this fascinating country -

April to September

What to Expect - Warm, sunny weather (20–30°C), best for sightseeing and local daylight tours.

Perfect for - Culture lovers, city wanderers, family trips and hiking.

Tourist Flow - Heavy

Flights and Hotel Rates - At their highest

Return Airfare from India (Approx.) - ₹60,000 - ₹68,000

Keep in Mind - Since popular attractions may have long queues, consider early morning visits.

October to November

What to Expect - Mild and pleasant weather (10–20°C) with the countryside and city parks glowing in shades of red, orange and gold, perfect for enjoying Germany’s stunning fall foliage.

Perfect for - Nature lovers, budget travellers, individuals, couples and families seeking a peaceful getaway.

Tourist Flow - Moderate
Flights and Hotel Rates - Lower prices than summer

Return Airfare from India (Approx.) - ₹55,000 - ₹60,000

Keep in Mind - Mornings and evenings can get chilly, so pack layered clothing and a light jacket.

December to March

What to Expect - Cold and snowy weather with temperatures going below 0°C and snowfall in many regions.

Perfect for - Snow lovers, adventurers and anyone seeking a cosy break.

Tourist Flow - Low
Flights and Hotel Rates - High near Christmas, otherwise significantly discounted

Return Airfare from India (Approx.) - ₹50,000 - ₹60,000

Keep in Mind - Pack warm clothing and gloves as temperatures can dip below freezing, especially at night.

Interesting Facts about Germany

The Land of the Car - Germany is where the modern automobile was born. In 1886, Karl Benz built the first patented motor car, laying the foundation for the automotive industry. Today, Germany remains a global powerhouse in car manufacturing, home to legendary brands like Mercedes-Benz, BMW, Audi, Porsche and Volkswagen.

You Can Mail a Letter from Inside a Tree - In Dodauer Forest, there is a 500-year-old oak tree that has its own mailing address. People from around the world send love letters there, hoping to find their soulmate. Some have actually found love this way!

Castles Straight Out of Fairy Tales - Germany is home to more than 25,000 castles, each with its charm and history. Among them, the enchanting Neuschwanstein Castle stands out not just for its breathtaking beauty but also as the real-life inspiration behind Disney’s iconic Cinderella Castle.

Birthplace of the Christmas Tree Tradition - The Christmas tree tradition first began in Germany in the 16th century, when Christians started bringing decorated trees into their homes – a custom that eventually spread across the world and became a beloved part of holiday celebrations.

Home to the World's Oldest Christmas Market - Dresden’s Striezelmarkt began in 1434 and still runs annually. You can catch event dates and the location on the official portal.

A Nation of Festivals - Every year, Germany comes alive with nearly 10,000 folk festivals, known as Volksfeste, that celebrate local traditions, food, music, and seasonal harvests. Many of these colourful events have been part of the culture for centuries, and some even go back more than a thousand years.

Home of the Gummy Bear – The beloved gummy bear was invented in Germany in 1922 by Hans Riegel, the founder of the world-famous confectionery brand Haribo. What started as a small batch of “dancing bear” candies is now a global phenomenon enjoyed by sweet lovers everywhere.

A Proud Beer Tradition – Germany’s beer culture is legendary and for good reason. The country boasts over 1,500 breweries and approximately 5,000 types of beer. In 2020, the average German consumed approximately 95 litres of beer. Additionally, the legal drinking age in Germany is 16 for beer and win.

Narrowest Street in the World - Located in Reutlingen, "Spreuerhofstrasse" is officially recognised as the narrowest street in the world. At its narrowest point, it is just 31 centimetres (about one foot) wide.

The Capital City, Berlin, Has More Bridges Than Venice: While Venice, also known as the City of Bridges, is famous for its canals and bridges, Berlin surpasses it in numbers. The German capital is home to around 2,100 bridges, significantly more than Venice’s approximately 400.

Essential Apps for Your Germany Trip

Translation

In a country where 95% of people speak German as their first language, having a good translation app like Google Translate and DeepL Translate (iOS and Android) can save the day by providing quick translations, allowing you to communicate with locals even when English is not an option.

Accommodation

Choosing the right place to stay is key to a great travel experience, and apps like HRS, Booking, Agoda and Airbnb (available on Google Play and the App Store) make it easy. These platforms let you compare prices across a wide range of properties, read reviews, browse photos and check out detailed descriptions, helping you find accommodations that suit your budget and preferences.

Navigation

Getting around in Germany is smooth when you have the right navigation tools in your pocket. Apps like Google Maps and NUNAV offer real-time directions across German cities and the countryside alike. NUNAV also provides traffic forecasts every second, helping you avoid jams and reach your destination on time, which is especially useful during peak tourist seasons or heavy congestion.

Transport

Exploring Germany is a breeze when your travel is backed by smart apps. Free Now (Google Play and App Store) is a great option for booking taxis and private rides. Uber is another choice, but it is available mainly in major cities.

For public transportation, DB Navigator (available on iOS and Android) is an essential app that allows you to book tickets for trains, trams and buses across the country.

Events and Festivals

Make the most of Germany’s vibrant event scene with apps like GetYourGuide and Klook for booking tours, museum tickets and seasonal experiences. For concerts and performances, Eventim DE (iOS and Android) helps you find and book tickets easily.

Food Delivery

Whether you are too tired to head out or just craving comfort food, apps like Lieferando and Wolt (available on iOS and Android) make it easy to satisfy your hunger anytime, anywhere. For groceries, Flink (Google Play and App Store) is a handy app that delivers fresh items and daily essentials quickly, great for when you are staying in and need something fast.

Key Takeaways

Germany is rapidly emerging as a top destination for Indian tourists. Between January and July 2024, nearly 1.75 lakh Indian tourists travelled to Germany, accounting for more than 5.23 lakh overnight stays.

With iconic attractions like the Neuschwanstein Castle, Berlin’s vibrant art scene, and the festive charm of Christmas markets, it is no surprise that Germany continues to climb the ranks on every traveller’s bucket list.

While the experience promises magic, travel can come with its share of surprises. This is where IndusInd Germany Travel Insurance becomes more than just a visa requirement.

For instance, imagine falling sick during your trip. Even a simple doctor's visit in Germany can cost up to EUR 200 (INR 20,300), and that is before any tests or medication, which can easily double the cost. With IndusInd Germany Travel Insurance, you can cover these unexpected medical bills without any out-of-pocket expenses. Our plan’s coverage of up to USD 500,000 and 24X7 support, ensuring you are never alone in times of need.

Complementing its robust coverage, IndusInd Germany Travel Insurance offers a full refund on visa rejection*, helping you avoid unnecessary financial setbacks even before your trip begins. For added convenience, the IndusInd Insurance App simplifies the claims procedure by enabling travellers to initiate and track claims, upload necessary documents and access support digitally, ensuring help is never more than a few taps away.

Do not let unexpected hiccups spoil your fairytale in Germany. Get IndusInd Germany Travel Insurance and let our care follow you across borders!

Disclaimer: The given currency conversion rate was taken on 25/07/2025, at 5:00 pm IST and is subject to change. Please ensure you check the current Rupee to Euro conversion rates before proceeding.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Germany travel insurance plans starting at just ₹306*

Insure Your Trip to Germany Today!

From exploring Berlin's historic landmarks and Munich's vibrant culture to discovering the fairytale castles of Bavaria and the scenic Rhine Valley, stay protected with IndusInd Germany travel insurance. We help ensure your German adventure remains safe, seamless, and worry-free!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Do I need travel health insurance for Germany?

Yes, travel health insurance is mandatory for visiting Germany, especially if you are applying for a Schengen visa.

How much does travel insurance for Germany from India cost?

The premium rate of travel insurance for Germany depends on various factors, such as the age of travellers, duration of stay and type of coverage. IndusInd General Insurance (previously Reliance General Insurance) offers competitively priced, Schengen-compliant plans starting at just ₹306* making it a convenient option for travellers looking for reliable protection at an affordable rate.

Can I buy travel insurance for Germany if I have pre-existing medical conditions?

Yes, you can buy travel insurance for Germany if you have pre-existing health conditions. However, your coverage will be limited as Germany travel insurance only provides coverage for life-threatening complications that arise from pre-existing conditions. This means routine treatments or regular hospital visits related to your condition will not be covered under the policy.

What travel insurance do I need to visit Germany?

To visit Germany, you need a travel insurance plan with coverage of EUR 30,000 for medical expenses. The plan should also cover the entire duration of your stay and be valid across all Schengen countries.

Is a medical check-up mandatory for a travel insurance plan for Germany?

No, a medical check-up is not mandatory to purchase an IndusInd travel insurance plan for Germany.