Studying in Germany is one of the most exciting opportunities for international students. With its world-class universities, affordable tuition fees, and strong academic reputation, Germany attracts thousands of students every year. However, before you can begin your studies, you must secure a Schengen visa, which requires valid travel insurance.
For students on a budget, finding cheap travel insurance that still meets Schengen visa requirements can be challenging. In this guide, we’ll explain everything you need to know about affordable student travel insurance for Germany in 2025, including requirements, coverage options, average costs, and tips to save money.
Why Do Students Need Travel Insurance for a Schengen Visa?
A Schengen visa allows you to study, travel, and live in Germany as well as visit other Schengen countries. To get this visa approved, you must show proof of travel insurance that meets EU regulations.
The European Union requires:
-
Minimum coverage of €30,000.
-
Insurance valid for all 26 Schengen countries.
-
Coverage for the entire period of stay.
-
Emergency medical treatment, hospitalization, and repatriation (return to your home country) in case of illness or accident.
Without this insurance, your visa application will be rejected.
Types of Student Travel Insurance for Germany
-
Short-Term Schengen Visa Insurance
-
Suitable for students applying for short courses or exchange programs (less than 90 days).
-
Covers medical emergencies, accidents, and trip interruptions.
-
Cheaper compared to long-term student health insurance.
-
-
Long-Term Student Health Insurance (for Study Visa)
-
Required if you plan to study in Germany for more than 90 days.
-
Can be public student health insurance (if under 30 years old) or private health insurance.
-
Typically more expensive than short-term plans but offers wider coverage.
-
Average Cost of Cheap Student Travel Insurance in 2025
The cost of insurance depends on your age, duration of stay, and type of coverage. On average:
-
Short-term Schengen student insurance:
-
€25 to €50 per month.
-
Best for short exchange programs or language courses.
-
-
Long-term student health insurance:
-
Public insurance: ~€120 per month.
-
Private insurance: €35 to €80 per month (cheaper for younger students or those on scholarships).
-
This means a student can find a cheap option under €40 per month if they choose the right provider.
What Should Be Covered in a Student Travel Insurance Plan?
When comparing affordable student travel insurance for Germany, look for these key benefits:
-
Emergency Medical Expenses – Coverage for doctor visits, hospitalization, and treatment.
-
Repatriation Coverage – Ensures transportation back to your home country if needed.
-
Accident Coverage – Financial protection in case of injury.
-
Liability Insurance – Many universities in Germany require liability insurance to cover accidental damage caused to others.
-
Lost Baggage & Documents – Useful if your passport, laptop, or documents are lost or stolen.
-
24/7 Assistance Hotline – Essential for students living abroad for the first time.
Best Affordable Options for Students in 2025
While many insurers operate worldwide, certain companies are known for offering budget-friendly plans that meet Schengen requirements. Some examples include:
-
Public Student Insurance (Techniker Krankenkasse, AOK, Barmer) – Affordable and widely accepted by German universities. Around €120/month.
-
Private Student Insurance (MAWISTA, EDUCARE24, DR-WALTER, Care Concept) – Plans starting from €35–€40 per month, suitable for students under 30 and those who want cheaper options than public insurance.
-
International Travel Insurers (AXA, Allianz, HanseMerkur, Europ Assistance) – Short-term Schengen insurance for students starting from €25 per month.
How to Find the Cheapest Plan
-
Compare Online – Use comparison tools to evaluate premiums and benefits across multiple providers.
-
Choose Private if Eligible – Private student insurance can be cheaper than public plans, especially for younger students.
-
Pay Annually Instead of Monthly – Some insurers give discounts if you pay upfront.
-
Check University Partnerships – Many German universities partner with insurance providers offering discounted student rates.
-
Avoid Extra Add-ons – Stick to basic medical coverage unless you need extras like sports or dental insurance.
Student Example: Budget Insurance for a Schengen Visa
-
A 22-year-old student from India applying for a Master’s program in Berlin.
-
Duration: 1 year.
-
Chooses MAWISTA Student Classic private plan.
-
Cost: ~€38 per month.
-
Total annual cost: €456.
-
Meets Schengen visa requirements and includes medical + liability insurance.
Compared to public insurance at €120/month, this saves the student around €1,000 in a year.
Mistakes Students Should Avoid
-
Buying the Cheapest Plan Without Checking Coverage – Some ultra-cheap plans may not meet the €30,000 requirement or exclude essential coverage.
-
Not Extending Insurance in Time – If your insurance expires before your visa renewal, your legal status may be at risk.
-
Assuming Public Insurance is Always Better – Public insurance is excellent but often more expensive; private plans are better for short-term or budget-conscious students.
-
Forgetting Liability Insurance – Some German universities make it mandatory.
Final Thoughts
For students heading to Germany in 2025, travel insurance is more than just a visa requirement—it’s financial protection during your stay abroad. While costs vary, cheap options are available if you compare wisely.
-
For short stays, opt for Schengen travel insurance at around €25–€40/month.
-
For long-term study programs, look into private student insurance providers like MAWISTA, EDUCARE24, or Care Concept, which can be far cheaper than public health insurance.
-
Always check that the plan covers at least €30,000 in medical emergencies across the Schengen area.
Choosing the right student travel insurance means peace of mind, affordable protection, and a smooth visa approval process for your studies in Germany.