Visitor Insurance for Germany
Visitor Insurance for Germans Traveling to the USA
German statutory health insurance (Krankenversicherung) has very limited coverage outside the EU — and virtually none in the United States.
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The Coverage Gap
German Krankenversicherung Doesn't Work in the USA
Germany's world-class public health system (GKV) provides excellent coverage across the EU and in countries with social security agreements — but the USA is not one of them. Private health insurers (PKV) may offer some international coverage, but it is typically limited and cannot cover the true cost of US emergency care. A single hospitalization in the US averages $11,700 per night, and major events like cardiac surgery or stroke treatment can exceed $150,000. German nationals visiting the large German-American communities in Milwaukee, Cincinnati, or St. Louis need dedicated visitor insurance before departure.
The USA has no social security agreement with Germany covering healthcare — German GKV has zero coverage for US medical treatment.
Why Tower Hill
Trusted by 60,000+ International Travelers
We partner with the top A-rated carriers so you get the best coverage, not the highest commission.
A-Rated Carriers Only
Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.
Compare & Buy in 5 Minutes
No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.
Coverage in 151 Countries
Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.
Our Plans
Compare Top Visitor Insurance Plans
All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.
IMG Patriot America Plus
- A-rated by A.M. Best
- Covers acute onset of pre-existing conditions
- Emergency medical evacuation included
- COVID-19 treatment covered
- Deductible from $0–$2,500
Trawick Safe Travels USA
- Comprehensive emergency coverage
- 24/7 multilingual assistance
- Hospital direct billing available
- Covers acute onset of pre-existing conditions
- Renewable up to 12 months
WorldTrips Atlas America
- Highest coverage limit available
- Ideal for seniors and longer stays
- Covers urgent care and telehealth
- A.M. Best A-rated carrier
- Flexible deductible options
Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.
Common Questions
Frequently Asked Questions
Does my German Krankenversicherung (GKV) cover medical care in the USA?
Do Germans need a visa to visit the USA?
Can I buy visitor insurance for my parents or relatives visiting from Germany?
How much does visitor insurance cost for German visitors?
Does visitor insurance cover COVID-19 for German visitors?
What is 'acute onset of pre-existing conditions' coverage?
How quickly does coverage start after purchasing?
What is the minimum coverage I should get?
How do I file a claim if I need medical care?
Learn More
Visitor Insurance Guides
Visitors Insurance for Germans in the USA
Coverage options, pre-existing conditions, costs, and plan comparisons for Germans.
Read GuideVisitors Insurance for Germans Parents in the USA
In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.
Read GuideTravel Insurance with Pre-Existing Conditions
What "acute onset" coverage means and which plans protect travelers with health conditions.
Read GuideTravel Insurance for Americans Visiting Germany
Your US health insurance won't cover you in Germany. Compare international plans for Americans.
Read GuideFor Germans Traveling to Other Countries
International Travel Insurance for Germans
Planning a trip to Europe, Asia, or beyond? Germany's health coverage provides no protection abroad. Compare plans for Germans traveling internationally.
Protect Your Trip to the USA
Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.
Get My Free QuoteTexas License #2608479TX · A-rated carriers · 151 countries covered