this post was submitted on 28 May 2025
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Just to avoid any false impressions: healthcare is not free in Germany. You should always get travel health insurance. Having said that, it's pretty affordable. I pay about €80 a year for me and my wife for worldwide coverage.
Where do you get travel health insurance from?
From commercial providers. It's not necessary for EU Citizens travelling inside the EU/EEA as they are treated like people in the national systems for emergencies.
But it simplifies a lot because you can go to any doctor and sometimes they play dumb and pretend they don't know about the rules and want to force you to pay out of pocket (Happened to me in Austria, I've just reported them to the Austrian Health Insurance, he wanted 200€ which is outrageous overpriced and was a contracted doctor of ÖGK). Especially in Eastern Europe. But that applies only to GPs, Hospitals usually play by the rules.
And it's also useful for travelling outside of the EU
Thanks. I should have been more specific on my question, thats on me. Like, would I get it through my current health insurance in the US, like an addon to my plan? Or would I get it through a provider in the country/EU where I would travel too?
I don't know much about the US health plans, you might check if they have some special offers, or if they are valid worldwide.
I've bought mine through Allianz, a big German insurance company.
They seem to offer travel insurance in the US too. But it's much more expensive and they have pretty low coverage limits on the travel insurance plans offered on the US market. (Here I pay 30€ a year and don't have any coverage limits for medical costs, there I was quoted 400$ a year for much shittier coverage). But you can compare yourself
https://www.allianztravelinsurance.com/
https://www.allianz.de/gesundheit/reisekrankenversicherung/rechner/#/angebot
Squaremouth (weird name) is like a kayak.com site for travel insurance. Just put in your details and it'll give you a big list to pick from based on price, coverage, etc.