Germany

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Germany & Life Insurance

Travelling to Germany is something anyone can enjoy, whether you’re there for the rich culture and arts in Berlin, or the abundance of spectacular landscapes like the Black Forest. This beautiful forest should be on most tourists itinerary, with over 2,000 square miles of dense canopy, and over 100 different endemic species, including the adorable lynx, a fluffy wild cat. I highly recommend travelling to Friedrichschafen and getting a boat over Lake Constance to Switzerland. So beautiful. To check your life insurance options we will ask:

When are you travelling to Germany?
What is the reason for your travel?
How long are you staying?

Most of the time holidays to Germany will have no affect on your life insurance application. If you are spending more than 30 days in Germany in one go, it might be that a bit of research needs to be done to find the right insurer for you.

Our award winning advisers are here to search the market for you, so you don’t have to, to make sure that you get the best life insurance cover.

Germany & Expat Life Insurance

British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.

Expat Life Quote

Germany & Critical Illness Cover

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke. If you’re going to Germany for a holiday, critical illness cover is generally going to be offered at normal terms. However, if you you spend more than 30 days at a time in Germany, you may have to pay an increased premium on critical income protection. Keep in mind that if you’re going to Germany for work on a regular basis, this might mean that your critical illness application needs to be placed with a specific insurer. Our advisers are experts, and will help you figure out what critical illness policy is right for your lifestyle.

Get a Critical Illness Cover Quote

Germany & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health. If you’re travelling to Germany for a short holiday, you can expect no issues with your income protection application with most UK insurers. How much time you plan on spending in Germany, and abroad in general will have an impact on who the right insurer for you is. Going to Germany for work matters may have a different impact on your income protection application, especially if your stay will be longer than usual. Most insurers in the UK need you to be resident in the UK and paying tax here too, to be eligible for the policy. Our advisers are here to find you the best income protection policy for your financial future. Get an Income Protection Quote

Germany & Travel Insurance

Are you planning on a trip to Germany? We’ve teamed up with a specialist travel insurance broker who can provide comprehensive cover for most countries. Request your no obligation travel insurance quote here.

GOV.UK Travel Advice

Germany

Primary Concerns: Duration of stay, location
Reason for Travel: Business, leisure
Duration of Stay: Holiday break, sabbatical, employment contract
Popular Locations: The Black Forest, Berlin, The Baltic Coast, Munich

Fun Facts

German doughnuts don’t have holes!
The Berlin fashion week is held in Germany, with over 70 events, and 200,000 attendees
115 Germans have won Nobel prizes, Germany had the most Nobel prizes in the world for almost 50 years straight.

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 849 reviews.

Review by Olalekan on 8th July 2025

“Outstanding service. Amazing service provided, we were provided with different options and communication was outstanding. We received follow up emails every week to keep us updated on the progress.” - 5 

You can read more of our reviews here.

Raleigh Winks

Author
This page was written and created by Raleigh Winks, under the guidance of Kathryn Knowles PhD (Managing Director), as part of his work experience with the company.

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."