Germany Travel Guide

Travel Insurance

Since Germany for most of us is far from home and a number of things could go wrong -- lost luggage, trip cancellation, a medical emergency -- consider the following types of insurance.

Check your existing insurance policies and credit card coverage before you buy travel insurance. You may already be covered for lost luggage, canceled tickets, or medical expenses. The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and health, and the type of trip you're taking, but expect to pay between 5% and 8% of the vacation itself. You can get estimates from various providers through InsureMyTrip.com. Enter your trip cost and dates, your age, and other information, for prices from more than a dozen companies.

U.K. citizens and their families who make more than one trip abroad per year may find an annual travel insurance policy works out cheaper. Check www.moneysupermarket.com, which compares prices across a wide range of providers for single- and multitrip policies.

Most big travel agencies offer their own insurance and will probably try to sell you their package when you book a holiday. Think before you sign. Britain's Consumers' Association recommends that you insist on seeing the policy and reading the fine print before buying travel insurance. The Association of British Insurers (tel. 020/7600-3333; www.abi.org.uk) gives advice by phone and publishes Holiday Insurance, a free guide to policy provisions and prices. You might also shop around for better deals: Try Columbus Direct (tel. 0870/033-9988; www.columbusdirect.net).

Trip-Cancellation Insurance -- Trip-cancellation insurance will help retrieve your money if you have to back out of a trip or depart early, or if your travel supplier goes bankrupt. Trip cancellation traditionally covers such events as sickness, natural disasters, and Department of State advisories. The latest news in trip-cancellation insurance is the availability of expanded hurricane coverage and the "any-reason" cancellation coverage -- which costs more but covers cancellations made for any reason. You won't get back 100% of your prepaid trip cost, but you'll be refunded a substantial portion. TravelSafe (tel. 888/885-7233; www.travelsafe.com) offers both types of coverage. Expedia also offers any-reason cancellation coverage for its air-hotel packages.

For details, contact one of the following recommended insurers: Access America (tel. 800/729-6021; www.accessamerica.com); Travel Guard International (tel. 800/826-4919; www.travelguard.com); Travel Insured International (tel. 800/243-3174; www.travelinsured.com); and Travelex Insurance Services (tel. 800/228-9792; www.travelex-insurance.com).

Medical Insurance -- For travel overseas, most U.S. health plans (including Medicare and Medicaid) do not provide coverage, and the ones that do often require you to pay for services up front and reimburse you only after you return home.

As a safety net, you may want to buy travel medical insurance, particularly if you're traveling to a remote or high-risk area where emergency evacuation might be necessary. If you require additional medical insurance, try MEDEX Assistance (tel. 800/732-5309; www.medexassist.com) or Travel Assistance International (tel. 800/821-2828; www.travelassistance.com; for general information on services, call the company's Worldwide Assistance Services, Inc., at tel. 800/777-8710).

Canadians should check with their provincial health plan offices or call Health Canada (tel. 866/225-0709; www.hc-sc.gc.ca) to find out the extent of their coverage and what documentation and receipts they must take home in case they are treated overseas.

Lost-Luggage Insurance -- On international flights (including U.S. portions of international trips), baggage coverage is limited to approximately $9.07 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than what's covered by the standard liability, see if your homeowner's policy covers your valuables, get baggage insurance as part of your comprehensive travel-insurance package, or buy Travel Guard's "BagTrak" product.

If your luggage is lost, immediately file a lost-luggage claim at the airport, detailing the luggage contents. Most airlines require that you report delayed, damaged, or lost baggage within 4 hours of arrival. The airlines are required to deliver luggage, once found, directly to your house or destination free of charge.

Health

Staying Healthy -- Germany should not pose any major health hazards. The heavy cuisine may give some travelers mild diarrhea, so take along some antidiarrhea medicine and moderate your eating habits. The water is safe to drink throughout Germany; however, don't drink from mountain streams, no matter how clear and pure the water looks.

What to do if you get Sick Away from Home -- German medical facilities are among the best in the world. If a medical emergency arises, your hotel staff can usually put you in touch with a reliable doctor. If not, contact the American embassy or a consulate; each one maintains a list of English-speaking doctors. Medical and hospital services aren't free, so be sure that you have appropriate insurance coverage before you travel.

If you worry about getting sick away from home, consider purchasing medical travel insurance and carry your ID card in your purse or wallet. In most cases, your existing health plan will provide the coverage you need. See the section on insurance, above, for more information.

If you suffer from a chronic illness, consult your doctor before you depart. For conditions such as epilepsy, diabetes, or heart problems, wear a MedicAlert Identification Tag (tel. 888/633-4298; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through MedicAlert's 24-hour hot line.

Pack prescription medications in your carry-on luggage and carry prescription medications in their original containers, with pharmacy labels -- otherwise they won't make it through airport security. Also, bring along copies of your prescriptions, in case you lose your pills or run out. Don't forget an extra pair of contact lenses or prescription glasses. Carry the generic name of prescription medicines, in case a local pharmacist is unfamiliar with the brand name.

Contact the International Association for Medical Assistance to Travelers (IAMAT; tel. 716/754-4883 or 416/652-0137; www.iamat.org) for tips on travel and health concerns in the countries you're visiting and lists of local, English-speaking doctors. The U.S. Centers for Disease Control and Prevention (tel. 800/311-3435; www.cdc.gov) provides up-to-date information on necessary vaccines and health hazards by region or country.

Travel Health Online (www.tripprep.com), sponsored by a consortium of travel medicine practitioners, may also offer helpful advice on traveling abroad. You can find listings of reliable medical clinics overseas at the International Society of Travel Medicine (www.istm.org).

Healthy Travels to You -- The following government websites offer up-to-date health-related travel advice.

• Australia: www.dfat.gov.au/travel
• Canada: www.hc-sc.gc.ca/index_e.html
• U.K.: www.dh.gov.uk/PolicyAndGuidance/HealthAdviceForTravellers
• U.S.: www.cdc.gov/travel

Staying Safe

Overall, the security risk to travelers in Germany is low. Germany experiences, however, a number of demonstrations every year on a variety of political and economic themes. These demonstrations have a tendency to spread and turn violent, and anyone in the general area can become the victim of a random attack. Prior police approval is required for public demonstrations in Germany, and police oversight is routinely provided to ensure adequate security for participants and passersby. Nonetheless, situations may develop that could pose a threat to public safety. All foreign visitors are cautioned to avoid the area around protests and demonstrations and to check local media for updates on the situation.

In addition, hooligans, most often young and intoxicated "skinheads," have been known to harass or even attack people whom they believe to be foreigners or members of rival youth groups. While U.S. citizens have not been specific targets, several Americans have reported that they were assaulted for racial reasons or because they appeared "foreign."

Violent crime is rare in Germany, but it can occur, especially in larger cities or high-risk areas such as train stations. Most incidents of street crime consist of theft of unattended items and pickpocketing. There have been a few reports of aggravated assault against U.S. citizens in higher-risk areas. You should take the same precautions against becoming a crime victim as you would in any city.

Report the loss or theft abroad of your passport immediately to the local police and the nearest embassy or consulate. If you are the victim of a crime while overseas, in addition to reporting to local police, contact the nearest embassy or consulate for assistance. The embassy/consulate staff, for example, can assist you in finding appropriate medical care, contacting family members or friends, and explaining how funds could be transferred. Although the investigation and prosecution of the crime is solely the responsibility of local authorities, consular officers can help you understand the local criminal justice process and find an attorney, if needed.

U.S. citizens may refer to the Department of State's pamphlet, A Safe Trip Abroad, for ways to promote a trouble-free journey. The pamphlet is available by mail from the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402, or via the U.S. Department of State website at http://travel.state.gov/travel/tips/safety/safety_1747.html.