August brings a buzz of excitement to Germany as the Bundesliga (German Football League) season kicks off, drawing football fans with eager anticipation. This football fever coincides with the peak travel season when people visit the country to explore the charm of cities like Berlin, Hamburg, and Munich.
But before you board your flight to Germany, there is one essential thing you should not ensure you have: travel insurance. Need reasons? Let's discuss.
Why you should consider buying travel insurance for Germany
The list of conditions that travel insurance covers makes it a must-have investment.
Medical Emergency
Germany has pleasant weather, but if you are flying to this country around January, temperatures in some places have even touched -20°C, with averages ranging from 5 to -5°C. Since you may not be used to this cold, the chances of falling sick are high.
Similarly, you will encounter major differences in the local cuisine. If your stomach is intolerant to new cuisines and you suffer from diarrhoea, not only will your trip be disrupted, but it may also take a toll on your wallet to treat the condition.
Travel insurance comes in handy here by ensuring you receive cashless treatment at your insurance provider’s network hospitals in Germany. If you have paid upfront for medical bills, they will be reimbursed.
Delayed Luggage
What's more irritating than spending 8-9 hours on a flight and then finding out that the airline carrier has delayed your luggage? The situation becomes much worse when you have to pay for essentials and prescribed medication that you are already carrying.
However, with travel insurance, the amount you spend on essentials is subject to reimbursement. The insurer also covers situations where your luggage is stolen or misplaced.
It is important to note that you cannot raise a claim for valuables like gold items or cash under a travel insurance plan.
Extended Accommodation
On the day of departure, you hear the news that the city you are staying in will be under a complete lockdown due to civilian riots or an outbreak of some virus. This implies that you have to extend your trip until the local government issues an advisory for travellers.
Another scenario you may face is that all flights have been put on standby due to harsh weather or a natural disaster.
In both scenarios, the insurer will cover the costs associated with your extended stay and meal charges for the amount specified under the policy document.
Trip Cancellation
You have been planning a trip to Germany for the last few months. You have made all your reservations, from flight tickets to hotels. However, on your departure day, you fall sick and require immediate hospitalisation.
Are you worried about the money you paid for bookings? Your insurer will reimburse the losses you incurred on non-refundable bookings.
Some common scenarios where a claim for trip cancellation is considered include medical conditions affecting you or your direct family members, the demise of a direct relation, and a rescheduled flight due to natural calamities.
Loss of Passport
On your trip to Germany, the most important document is your Passport. You are required to carry it at all times for a smooth travel experience. But what if your wallet, containing your Passport, is stolen? If you do not take the necessary steps and the concerned authorities find you travelling without it, you might be detained or deported.
Travel insurance not only assists in obtaining a duplicate copy of the Passport but will also pay for the charges associated with obtaining one.
Conclusion
Whether you are cheering at football stadiums, exploring historic landmarks, or indulging in culinary delights, Germany promises a memorable travel experience. However, ensure your journey remains stress-free by securing comprehensive travel insurance.