Travel Insurance Guide 2026
Compare the best worldwide travel insurance providers. From budget to premium — global coverage from $1/day. Medical, cancellation, adventure sports, and digital nomad coverage.
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Estimated Price
€8.40 total
€1.20/day
* Estimates only. Actual prices vary by provider, medical history, and specific policy terms.
Gratis Reiseversicherungs-Checkliste 2026
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🌍 Worldwide Travel Insurance Providers
Global coverage for travelers, digital nomads, and adventurers — available worldwide
Europ Assistance DE
European travelers seeking premiumLeading European travel insurance. Unlimited medical coverage available.
- ✓ Unbegrenzte Krankenversicherung
- ✓ Pandemie-Deckung inklusive
- ✓ Digitale Claims-Abwicklung
- ✓ 24/7 mehrsprachiger Support
Europ Assistance Global
International travelersGlobal travel insurance with worldwide coverage. Multi-language support.
- ✓ Worldwide coverage
- ✓ 24/7 multilingual assistance
- ✓ Medical evacuation included
- ✓ Trip cancellation
Explorer Travel Insurance
Adventure travelers & backpackersAdventure travel insurance for backpackers and thrill-seekers worldwide.
- ✓ 200+ countries covered
- ✓ Extreme sports & adventure coverage
- ✓ Buy online, even mid-trip
- ✓ Multi-trip options
Medical Travel Insurance
Families & seniorsInternational medical insurance. Long-term and short-term plans.
- ✓ Short & long-term plans
- ✓ Up to $1M coverage
- ✓ Flexible deductible
- ✓ Accepts ages 80+
🇪🇺 European Travel Insurance (DACH Region)
Top-rated providers for German-speaking travelers — comprehensive coverage
| Provider | Claims Rating | Medical Limit | Cancellation | Price | Best For | Link |
|---|---|---|---|---|---|---|
| ERV | 92% | Unlimited | €10,000 | €1.50/day | Best Overall | Visit → |
| HanseMerkur | 89% | €1,000,000 | €5,000 | €1.20/day | Best Value | Visit → |
| ADAC | 88% | €1,000,000 | €8,000 | €1.10/day | Best for Families | Visit → |
| Allianz | 87% | €1,000,000 | €15,000 | €1.80/day | Premium | Visit → |
| CosmosDirect | 84% | €500,000 | €3,000 | €0.80/day | Budget Pick | Visit → |
ERV — Best Overall
- ✓ Unlimited medical
- ✓ Pandemic coverage
- ✓ Digital claims
- ✓ 24/7 multilingual support
HanseMerkur — Best Value
- ✓ Great value
- ✓ Annual multi-trip €65
- ✓ Strong claims process
- ✓ Europe-wide coverage
ADAC — Best for Families
- ✓ Family policies (7 people)
- ✓ Roadside assistance included
- ✓ Worldwide repatriation
- ✓ 90-day trip limit
Allianz — Premium
- ✓ AllRisk cancellation
- ✓ Up to €15,000 cancellation
- ✓ Highest baggage limits
- ✓ Business travel coverage
CosmosDirect — Budget Pick
- ✓ Lowest price
- ✓ No deductible on medical
- ✓ Simple online process
- ✓ Quick claims
Expert Tips for Choosing Travel Insurance
1. Minimum Medical Coverage: €1,000,000
Medical costs in the US can exceed $10,000/day. Always choose at least €1,000,000 in medical coverage. For US travel, unlimited is best.
2. Repatriation Is Non-Negotiable
Medical repatriation by air ambulance can cost €20,000-50,000. Ensure your policy includes unlimited repatriation.
3. Declare Pre-Existing Conditions
Withholding medical history gives insurers grounds to deny claims. Declare everything — it's cheaper than a denied €10,000 claim.
4. Check Activity Exclusions
Skiing, diving, and hiking above 2,000m are often excluded. Verify your planned activities are covered or add a rider.
5. Annual Policies Save Money (3+ Trips)
If you travel 3+ times per year, an annual multi-trip policy (from €65/year) is cheaper than individual policies.
Travel Safe. Travel Insured.
Get protected from €0.80/day. Compare providers and find your perfect policy.
Read More Insurance Guides →Digital Nomad Insurance — Worldwide Coverage
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