From Germany to abroad

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International travel insurances for holiday travelers & guests

Rated 4.70/5 at
  • Vacationers & guests
Travel insurances for German holidaymakers and guests heading abroad.

Travel opens up new horizons. Our international travel insurance is ideal for travelers from Germany who want to explore the world. No matter where your journey takes you – whether it’s a short trip, a long holiday, a visit, or a relaxing getaway – our travel insurance offers the protection you need so you can fully enjoy your experiences.

I am happy to assist you on your trip from Germany to abroad.

How many persons do you want to insure?

Travel insurances for German holidaymakers and guests heading abroad.

Travel opens up new horizons. Our international travel insurance is ideal for travelers from Germany who want to explore the world. No matter where your journey takes you – whether it’s a short trip, a long holiday, a visit, or a relaxing getaway – our travel insurance offers the protection you need so you can fully enjoy your experiences.

Going abroad

Our international travel insurances at a glance

With our travel insurances, you’re covered worldwide on every trip.

Short getaway, round trip, or long-term travel – our flexible insurance solutions fit your plans perfectly. Discover our offers now and start your next travel adventure well protected!

Showing 1-5 of 7

From Germany to abroad

HanseMerkur

International travel health insurance for stays of up to 365 days

  • Au-pairs
  • Business travelers
  • Healthcare workers & caregivers
  • Language learners & students
  • Vacationers & guests
  • Health insurance
  • For trips from Germany to other countries
  • For stays abroad of up to 1 year
  • Age: up to 74 years

Calculate individual premium

From Germany to abroad

HanseMerkur

International travel health insurance for stays of up to 5 years

  • Au-pairs
  • Business travelers
  • Healthcare workers & caregivers
  • Language learners & students
  • Vacationers & guests
  • Health insurance
  • For trips from Germany to other countries
  • For stays abroad of up to 5 years
  • Age: up to 74 years

Calculate individual premium

From Germany to abroad

HanseMerkur

Annual travel health insurance – for unlimited trips

  • Au-pairs
  • Business travelers
  • Healthcare workers & caregivers
  • Language learners & students
  • Vacationers & guests
  • Health insurance
  • For multiple trips abroad per year
  • Each trip covered for up to 56 days
  • Age: up to 100 years

Calculate individual premium

From Germany to abroad

HanseMerkur

Travel insurance packages

  • Au-pairs
  • Business travelers
  • Healthcare workers & caregivers
  • Language learners & students
  • Vacationers & guests
  • Health insurance
  • Trip cancellation and interruption insurance
  • Travel luggage insurance
  • For stays abroad of up to 93 days

Calculate individual premium

From Germany to abroad

HanseMerkur

Trip cancellation and interruption insurance

  • Au-pairs
  • Business travelers
  • Healthcare workers & caregivers
  • Language learners & students
  • Vacationers & guests
  • Trip cancellation insurance
  • Optional trip interruption coverage
  • Also available for multiple trips abroad per year

Calculate individual premium

The KLEMMER Advantage

Our Promise

For two decades, we’ve been known for our expertise in travel insurance.

We carefully select and regularly update our offers to always provide you with the best options.
We work exclusively with reputable and trusted insurance partners. As a German company, we guarantee the highest reliability and excellent service – with strict data protection according to the highest standards.

Our experienced, multilingual team is here to support you with expert advice and passionate commitment. You can count on us.

  • Travel insurance experts for 20 years
  • Tailor-made insurance solutions for every trip
  • Collaboration with leading insurance partners
  • Multilingual advisory team
  • Based in Germany

FAQ & Help for holiday travelers & guests

This might be useful for you

Here you’ll find answers to frequently asked questions about our travel insurances. We’ve gathered the most important information to help you feel well prepared. If you still have questions, don’t hesitate to get in touch with us.

  • Do I need a visa for Germany?

    Whether you need a visa depends on your nationality and how long you plan to stay. If you hold a passport from an EU country, Iceland, Liechtenstein, Norway, or Switzerland, you generally don't need a visa.

    Citizens of Australia, the UK, Israel, Japan, Canada, New Zealand, South Korea, and the United States can enter without a visa and apply for a residence permit later if staying longer than 90 days.
    For most other countries, a visa must be obtained from the German mission abroad before entering Germany.

    An up-to-date list of visa requirements by country is available at www.auswaertiges-amt.de.

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  • Do I need to take out travel insurance?

    Whether you need travel insurance for your stay in Germany depends on your nationality.

    If you come from a country that requires a visa to enter Germany, you must take out travel insurance before your trip – covering the entire duration of your stay. Without it, you won’t be granted a visa. This rule applies regardless of the purpose of your visit.

    If you're from an EU country, your domestic insurance usually covers you in Germany. However, it might not include all risks – such as costly return transport. That’s why it’s often recommended to get an additional travel insurance package.

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  • How to plan a group trip successfully?

    Planning group trips is a challenge, but with a little organizational skill, you can handle it. Here are three tips to help you out:

    1. Be clear: Collect all suggestions regarding destinations, transportation, accommodation, activities, and travel dates, and let the group democratically decide when and what should happen, and what costs to expect. Even if you're planning the trip on your own, keep everyone informed. This way, everyone will have a clear picture of the plan, and you'll avoid long discussions and misunderstandings before and during the trip.

    2. Save money: When booking for the group, you can often get group discounts. This applies to travel tickets, accommodations, and even travel insurance.

    3. Stay flexible: Allow for some free time during the trip. This way, your fellow travelers can decide whether to take a break or explore on their own. Everyone needs some personal time during a trip.

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  • Is a holiday trip to Germany worth it?

    Absolutely! Germany has so much to offer international visitors. From natural wonders like Lake Königssee in the Bavarian Alps to the chalk cliffs of Rügen island. Discover historic sites like Eltz Castle, Neuschwanstein Castle, and Ulm Minster – as well as charming medieval towns like Bamberg and Regensburg. Germany’s vibrant cities like Berlin, Hamburg, and Munich are full of culture, tradition, and culinary delights waiting to be explored.

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  • Is Germany a safe travel destination?

    Germany is one of the safest and most peaceful countries in the world. Within Europe, it's the fifth most visited country. The crime rate is low, and law enforcement is reliable and well connected internationally. In 2024, Germany ranked 20th out of 163 in the UNESCO Global Peace Index.

    Still, it’s a good idea to take usual precautions during your visit: avoid dark and isolated areas, don’t carry large amounts of cash, and keep your phone with you at all times.

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  • Should a group take out additional health insurance when travelling abroad?

    Yes, absolutely! It’s strongly recommended that groups travelling abroad take out travel health insurance. There are many good reasons to do so. These insurances are designed specifically for international travel and cover typical risks – from medical treatment and necessary aids to search, rescue, and repatriation costs, up to the agreed coverage limit. Often, they also include liability and accident insurance, providing full protection for the whole group. That way, you don’t have to rely on each participant’s individual insurance. And the best part: group travel insurance is usually very affordable.

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  • What are the advantages of group trips?

    Group trips offer many advantages. The main benefit is the company around you. You always have people to talk to and share your experiences with. Additionally, you get to experience exciting places and situations together with others that you might not have considered before. You don’t have to worry about the trip planning, or maybe not at all. This saves a lot of effort. Last but not least, group trips are cheaper per person than individual travel. This is due to the discounts that hotels and museums, for example, offer, especially to larger groups.

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  • What coverage should the travel insurance at least provide?

    If your travel health insurance is mandatory for your Germany visa, it should have a minimum coverage of €30,000 and cover medical services, including the return transport to your home country. Additionally, it should be valid not only in Germany but also in all Schengen member states.

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  • What is a charter flight?

    A charter flight, unlike a scheduled flight, operates only when needed. It’s sometimes referred to as demand traffic or a flight on request. The charter airline transports passengers and goods only on occasion or for specific events, such as transporting holidaymakers to the Canary Islands on behalf of a tour operator. The financial risk does not lie with the airline, but with the tour operator as the client. Charter flights are typically part of package holidays, where the flight, accommodation, and transfers are included in the price.

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  • What is a group trip?

    A group trip refers to travel undertaken by more than two people who are traveling together for a common purpose. The size and destination of the groups can vary greatly, such as school classes on a graduation trip, study groups on research excursions, or a group of friends on vacation.

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  • What is a scheduled flight?

    A scheduled flight is the service offered by an airline according to a fixed timetable. This means that an aircraft regularly operates the same route between two locations at the same times. You can book a seat on the plane under certain conditions. Unlike a charter flight, a scheduled flight will operate regardless of seat occupancy, even if the flight is not fully booked. The airline carries the full financial risk.

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  • When should I take out my travel insurance at the latest?

    To ensure seamless coverage during your stay in Germany or Austria, you should take out your policy no later than two weeks before your arrival. While many plans allow for retroactive coverage, the safest option is always to arrange your insurance in advance.

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  • Where can I get a visa for Germany?

    You should apply for a visa for your trip to Germany at the German embassy or consulate in your home country. Typically, you will first receive an entry visa, which you can extend in Germany if needed.

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Transparency you can trust

Real experiences, real security – what our customers say

The experiences of other insured customers are invaluable. They offer insights into real-life situations, build trust, and help you make informed decisions.

At KLEMMER, reviews are collected by ProvenExpert. See for yourself and benefit from the experiences of other customers.

Excellent

4.70 out of 5 stars

348 reviews

5.00
„Beste Versicherung mit kompetenten Mitarbeitern.Sind Dauerkunden und sehr zufrieden.Danke Frau Puhl für ihre Unterstützung heute und Grüßean ihre Kollegen!!“
L.
4.67
„Schnelle Antwort und unkomplizierte direkte Kostenabrechnung der Behandlung mit dem Krankenhaus. Per E-Mail und Telefonisch sehr gut erreichbar. Rückruf klappt auch wunderbar.“
Steven G.
5.00
„Kompetente und schnelle Hilfe“
Heinrich S.
1.33
„Werben fuer Versicherungen fuer junge Auslaender, die nach Deutschland kommen wollen, um Deutsch zu lernen bzw. Deutschland kennenzulernen. Die inkludierten Leistungen sind jedoch nur irrefuehrend und moralisch fraglich in deutscher Sprache in den AGBs aufgefuehrt. Selbst im sogenannten "Premium"-Paket. Relevante Inhalte sind auf Englisch nicht genau uebersetzt. Auf eine direkte Beschwerde hin ist man nicht naeher eingegangen. Einsichtigkeit und Verstaendnis wurden weder vor noch nach der Beschwerde gezeigt. Meines Erachtens Menschen unwuerdiges Verhalten.“
Anonymous
5.00
„Ich bin äußerst zufrieden mit KLEMMER International Assekuradeur GmbH und möchte mich herzlich für den hervorragenden Service bedanken! Die Abwicklung meiner Anliegen war immer unkompliziert, schnell und professionell. Das Team ist freundlich, kompetent und stets hilfsbereit. Besonders schätze ich die transparente Kommunikation und die fairen Konditionen. Ich kann diese Versicherung jedem empfehlen, der Wert auf Verlässlichkeit und guten Kundenservice legt. Vielen Dank für die tolle Unterstützung!“
Kateryna A.
5.00
„Insbesondere die Geduld von Frau Binder möchte ich hervorheben. Wir hatten jetzt schon 2 Au Pair über Klemmer versichert und werden sicher auch alle weiteren so versichern!“
Anna S.
5.00
„Super kompetent und schnelle Abwicklung“
Anonymous
5.00
„Schnell, Flexibel, Zuverlässig, Funktioniert auch gut bei Wechsel/Anpassung/Stornierung der Versicherung“
Martin B.
5.00
„Die Abeicklung ist wirklich toll. Leider habe ich nie jemanden im Leistungsteam erreicht außer per E-Mail.“
Jana Z.
5.00
„Sehr Kundenorieniert und immer freundlich.“
Max-Rill-Gymnasium R.
5.00
„Unkompliziert und zuverlässig“
Anonymous
4.00
„it as such a good experience which I am pretty satisfied.“
Anonymous
5.00
„My insurance claim was settled promptly and without fuss: I am entirely satisfied with the professional and helpful service received - thank you!“
ED F.
1.00
„Ich wurde sehr unfeundlich beraten und abgewiesen als ich weitere Fragen hatte. Würde die Versicherung niemandem empfehlen.“
Anonymous
4.00
„So far, the feedback and reimbursement of my invoices were clearly and fast. Following the terms and conditions indicated in the contract. I have a year contract with Klemmer. I hope it runs well untill the end :)“
Anonymous
4.50
„Die Antwort auf Ihre Fragen erfolgt zeitnah.“
Anonymous
5.00
„Herzlichen Dank, sehr zufrieden“
Salma H.
5.00
„Sie haben mir schneller antworten. Vielen dank für Ihre Leistungen.“
Ghada E.
5.00
„The insurance helped me during my stay in Germany and when I attended before the hospital everything was good.“
R.
5.00
„Schnelle, unkomplizierte Bearbeitung und wie immer freundlicher Service bei Klemmer. Danke.“
Anonymous
5.00
„Thank you for guiding me and covering the full cost“
Y.
5.00
„Die Vertragsabschluss und die Zahlung der Versicherungspolice sind klar und einfach, keineswegs kompliziert. Als ich einen Zahnarzt in Deutschland aufsuchen musste, verlief alles glatt. Ich musste lediglich den Behandlungsschein sowie meinen Reisepass der Zahnarzthelferin vorlegen und brauchte keine weiteren Formalitäten zu erledigen. Klemmer kümmerte sich um die direkte Bezahlung an den Zahnarzt, ohne jegliche Komplikationen. Hervorragend!“
Dr. Rubén José L.
5.00
„Ich versichere seit 5 Jahren unsere Au-Pairs und internationale Gäste bei KLEMMER. Meistens hatten wir die Versicherung nicht in Anspruch genommen. Aber wenn, dann war die Beratung stets professionell und die Kosten wurden schnell erstattet.“
Maria K.
2.00
„Sehr geehrte Damen und Herren, hiermit möchte ich nur eine Kurze Rückmeldung, dass ich mit euch Service sehr zufrieden war. Ich danke euch sehr. Mit freundlichen Grüßen Fabrice Notahinjanahary“
Anonymous
5.00
„freundliche Berater am Telefon und guter Service jederzeit zu empfehlen“
D.
4.50
„Service einwandfrei und unbürokratisch. Klemmer kann ich uneingeschränkt empfehlen! Beratung in meinem Fall entbehrlich, da das gesamte Konzept online aufgebaut und einfach strukturiert ist und damit wunderbar funktioniert.“
Anonymous
5.00
„Es ist einfach und biss jetzt sehr unkompliziert. Danke“
L.
5.00
„Ich finde es schade, dass man keine Eingangsbestätigung zu eingereichten Rechnungen bekommt.“
Anonymous
5.00
„Unkomplizierte Abwicklung eines stationär geführten Notfalls bei unserem AuPair. Vielen Dank!“
Anonymous
5.00
„Ich bin seit fast 20 Jahren zufriedener Kunde. Unkompliziert, schnell und unbürokratisch.“
Sven H.
4.00
„Toller unkomplizierter Service!“
Anonymous
5.00
„Unkompliziert, Verträge konnten telefonisch besprochen und vereinbart werden. Top Service empfehle es gerne weiter .“
S.
5.00
„wir haben schon den vierten Vertrag abgeschlossen. IMMER schnell bei jedem Anliegen und sehr höflich am Telefon. Hier steht der Kunde wirklich im Vordergrund. DANKE“
Jami N.
5.00
„Schnelle Zahlung im Leistungsfall und unkomplizierte Abwicklung.“
Anonymous
5.00
„I have contacted them many times, they reply quickly. I feel confident with this insurance.“
Mr. H.
5.00
„Wir haben bei Klemmer eine Au-Pair Versicherung beauftragt und waren sehr zufrieden. Sehr schnelle Zahlung bei Anmeldung einer Leistung. Sehr guter Service bei Stornierung durch vorzeitigem Au-Pair Wechsel.“
M.
5.00
„The speed at which my claim was reimbursed was impressive. Thank you! A representative did give me an incorrect email address to send my claim though (there were typos in the email address provided), so that took a bit of time to sort out.“
Anonymous
5.00
„Tel Beratung heute“
Anonymous
5.00
„schnelle Bearbeitung und sehr guter Service“
Anonymous
4.67
„Your response to issues are so timely and excellent“
Gilbert C.
4.50
„Telefonisch immer schnell zu erreichen und immer sehr nett geantwortet. Top Erfahrung, weiter so!!“
Anonymous
5.00
„Kompetent & schnell!“
C.
5.00
„Der Kundenservice am Telefon war stets freundlich und kompetent. Alle Anliegen wurden stets sofort erledigt.“
Anne H.
5.00
„Replies and reimburstments are super fast and easy“
Anonymous
2.17
„From my personal experience whenever I had a question and made a phone call the male staff is usually not so helpful. He kept on saying everything is written on the contract". Yes, everything is written, but I made the call because I wanted to make sure. He made me feel unwelcome and I felt like not calling back anymore which is really bad because I don't feel like staying with your health insurance. I am happy that the reimbursement went through quickly. Thank you.“
Anonymous
4.67
„Auch Umbuchung bei Reiseänderung war kein Problem“
Erwin S.
4.50
„Ich bin sehr zufrieden. Ich kann KLEMMER gut sehr empfehlen Auf ihn ist en Verlass.. Tip-Top“
Gihad E.
5.00
„Unglaublich guter Kundenservice! Bin netterweise darauf aufmerksam gemacht worden, dass ich versehentlich (mein Fehler) doppelt versichert war und die Rückabwicklung war so unkompliziert und die Mitarbeiter sehr freundlich. Ganz klare Empfehlung“
Verena H.
5.00
„Immer schnell und freundlich. Kulanter und sehr kundenorientiert. Vielen Dank!“
Sebastian M.
5.00
„Schnell und zuverlässig. Ich sollte noch zu Nachuntersuchungen, möchte aber damit warten.“
Anonymous
5.00
„Ihre Dienste und Unterstützung sind sehr gut. Danke“
A.
5.00
„Sehr hilfsbereit, immer ohne Probleme erreichbar ,weniger Bürokratie im Vergleich mit anderer Versicherungen Sehr empfehlenswert“
Anonymous
5.00
„Ich persönlich hatte bisher nur gute Erfahrungen mit der Klemmer International Assekuradeur GmbH. Daher würde ich diese Versicherung auf jeden Fall auch weiterempfehlen. Vielen Dank“
Anonymous
5.00
„Klemmer International ist die BESTE 👍🏻“
Anonymous
5.00
„Die bisherigen Erfahrungen waren sehr weit überdurchschnittlich gut. Alle nicht nachvollziehbaren Forderungen einer deutschen Botschaft bei der Erteilung eines Einreisevisums wurden quasi in "Sekundenschnelle" angepasst. Im Gegensatz zu vielen anderen Einrichtungen war ständig jemand zu erreichen und konnte kompetente und praxisorientierte Auskunft geben. Das hört sich übertrieben gut an? Dafür stehe ich, gerne auch in direktem Kontakt. Die kundenfreundliche Arbeit hat mir sehr, sehr geholfen.“
Wolfgang H.
5.00
„Einfacher schneller Abschluss, Kündigung ebenso, Bisher immer alle Kosten übernommen ohne komplizierte Prozesse.“
Anonymous
5.00
„Leistungen waren sehr gut.“
Anonymous
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