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Insurance for the summer: protect yourself and your trip!
Find out which important insurance policies are necessary for your vacation in 2025 and how you can travel with optimal insurance.
Insurance for the summer: protect yourself and your trip!
Summer is just around the corner and with it the travel season. Many Germans are already starting to make their vacation plans. During this time, attention is increasingly focused on necessary insurance. Loud daily news Almost two thirds of Germans take out travel insurance to protect themselves during their trips abroad.
Travel cancellation insurance and international health insurance are particularly popular. The latter is seen as mandatory in many cases, even within the European Union, as it covers unexpected treatment costs abroad. This includes doctor's visits, medication and also transport back to Germany. Statutory health insurance companies often only cover a limited portion of the costs abroad, which makes it advisable to take out foreign health insurance.
Various insurance options
In addition to international health insurance, there are a variety of other options travelers can consider. These include, among other things, trip interruption insurance and luggage insurance. Stiftung Warentest expressly recommends international health insurance for all travel destinations, and the costs are quite manageable for individuals at less than 10 euros per year.
Another important point is the contract term. Many policies provide coverage for periods between 30 and 60 days. Travelers who go on vacation in their own car should know that their vehicle is usually insured abroad through motor vehicle liability insurance. Proof of liability insurance is often provided by the Green Card, which is even mandatory in some countries.
Foreign health insurance benefits
International health insurance covers numerous services that are important for travelers. This includes:
- Kostenersatz für ambulante Heilbehandlungen und Zahnbehandlungen
- Stationäre Heilbehandlungen inklusive Unterkunft und Pflege
- Transport zum Arzt oder Krankenhaus
- Überführung im Todesfall oder Bestattungskosten im Ausland
- Begleitperson im Krankenhaus bei Kindern unter 18 Jahren
The services are valid worldwide and travelers have a free choice of doctor. However, doctor's visits abroad must be paid for immediately and the original invoices must be kept. Contact with the health insurer is particularly necessary if you are hospitalized.
Advice on choosing insurance
When choosing insurance, consumers should pay particular attention to the payment terms and deductibles. Many insurers exclude certain treatments, such as foreseeable illnesses or treatments that are the reason for the trip. For travelers who use rental cars, a Mallorca policy is recommended as it offers additional liability protection.
In addition, travelers should carefully consider whether they need an all-inclusive package for their needs, as these can often be unnecessary. Luggage insurance in particular is often not considered advisable because the protection usually only applies under certain conditions, while the premiums can be high.
Overall, well-chosen insurance is crucial in order to be able to relax on vacation without any worries. It is advisable to obtain comprehensive information about the various offers and to choose the right protection for your individual travel needs. Those interested can find further information on this, for example, on the consumer advice center website Consumer advice center.