Services
Insurance Advice You Can Trust
Navigating life in Germany as an expat can be overwhelming — but you don’t have to do it alone. At Exparanto, we simplify the complex insurance landscape so you can focus on what matters most: building your life with peace of mind. Here’s how we support you:
Contract Review & Support
Your Expat Challenges
- German insurance policies – difficult for Expats to read and understand
- Overpaying for insurance in Germany or missing important coverage
- Complicated contract changes, renewals, or cancellations without guidance
- Claims in Germany feel stressful without an English-speaking insurance expert
Our Expat Solutions
- Free insurance policy review in Germany – transparent advice & upgrade suggestions, no sales push
- Full contract support: policy changes, renewals & cancellations handled quickly and correctly
- English-speaking claims assistance – we guide you through every step until payout
- Dedicated Expat insurance partner in Germany – simple, reliable & tailored to your needs
View Transcript
You didn’t come this far to get lost in translation.
Let’s be honest — German insurance contracts are often difficult to understand. They’re complex — and written in a style that even locals struggle to grasp.
Let us help you out.
Send us what you have. We review it, translate it, and explain:
What’s covered and what’s not
What looks unusual to us
Where improvements make sense — based on your situation.
We help you make sense of your current coverage — and explore options that could be easier to understand – and even more affordable.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- German insurance policies – difficult for Expats to read and understand
- Overpaying for insurance in Germany or missing important coverage
- Complicated contract changes, renewals, or cancellations without guidance
- Claims in Germany feel stressful without an English-speaking insurance expert
Our Expat Solutions
- Free insurance policy review in Germany – transparent advice & upgrade suggestions, no sales push
- Full contract support: policy changes, renewals & cancellations handled quickly and correctly
- English-speaking claims assistance – we guide you through every step until payout
- Dedicated Expat insurance partner in Germany – simple, reliable & tailored to your needs
View Transcript
You didn’t come this far to get lost in translation.
Let’s be honest — German insurance contracts are often difficult to understand. They’re complex — and written in a style that even locals struggle to grasp.
Let us help you out.
Send us what you have. We review it, translate it, and explain:
What’s covered and what’s not
What looks unusual to us
Where improvements make sense — based on your situation.
We help you make sense of your current coverage — and explore options that could be easier to understand – and even more affordable.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- German insurance policies – difficult for Expats to read and understand
- Overpaying for insurance in Germany or missing important coverage
- Complicated contract changes, renewals, or cancellations without guidance
- Claims in Germany feel stressful without an English-speaking insurance expert
Our Expat Solutions
- Free insurance policy review in Germany – transparent advice & upgrade suggestions, no sales push
- Full contract support: policy changes, renewals & cancellations handled quickly and correctly
- English-speaking claims assistance – we guide you through every step until payout
- Dedicated Expat insurance partner in Germany – simple, reliable & tailored to your needs
View Transcript
You didn’t come this far to get lost in translation.
Let’s be honest — German insurance contracts are often difficult to understand. They’re complex — and written in a style that even locals struggle to grasp.
Let us help you out.
Send us what you have. We review it, translate it, and explain:
What’s covered and what’s not
What looks unusual to us
Where improvements make sense — based on your situation.
We help you make sense of your current coverage — and explore options that could be easier to understand – and even more affordable.
Let’s make it make sense, with Exparanto.
Health Insurance
Your Expat Challenges
- Comparing the pros and cons of public vs. private health insurance in Germany
- Choosing the right additional health coverage in Germany is difficult without reliable advice
- Preparing a living will (patient directive) in Germany is challenging for Expats
- Managing paperwork or switching health insurance providers feels complicated
Our Expat Solutions
- We match you with the best private health insurance in Germany
- A strong public health (Krankenkasse) solution for Expats + enrollment
- Additional protection with health add-ons and long-term care insurance
- Full support with insurer changes, invoice handling and premium optimazation
View Transcript
More Than Basic. Coverage made for You.
In Germany, many expats start out with public health insurance.
It’s a solid foundation — but there are quite a few treatments that are only partially covered, or not covered at all.
Think about dental care, glasses, or alternative therapies.
Or what if you’d prefer a private hospital room, or want to choose your own doctor?
We help you explore smart private add-ons that match your lifestyle and close the gaps — especially when it comes to:
Dental and vision care
Enhanced hospital benefits
Natural and alternative medicine
We’ll also explain when switching to full private insurance might make sense — and when it clearly doesn’t.
You can count on our honest, expert advice — Together, we’ll navigate your options and find the solution that fits you best.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Comparing the pros and cons of public vs. private health insurance in Germany
- Choosing the right additional health coverage in Germany is difficult without reliable advice
- Preparing a living will (patient directive) in Germany is challenging for Expats
- Managing paperwork or switching health insurance providers feels complicated
Our Expat Solutions
- Comparing the pros and cons of public vs. private health insurance in Germany
- Choosing the right additional health coverage in Germany is difficult without reliable advice
- Preparing a living will (patient directive) in Germany is challenging for Expats
- Managing paperwork or switching health insurance providers feels complicated
View Transcript
More Than Basic. Coverage made for You.
In Germany, many expats start out with public health insurance.
It’s a solid foundation — but there are quite a few treatments that are only partially covered, or not covered at all.
Think about dental care, glasses, or alternative therapies.
Or what if you’d prefer a private hospital room, or want to choose your own doctor?
We help you explore smart private add-ons that match your lifestyle and close the gaps — especially when it comes to:
Dental and vision care
Enhanced hospital benefits
Natural and alternative medicine
We’ll also explain when switching to full private insurance might make sense — and when it clearly doesn’t.
You can count on our honest, expert advice — Together, we’ll navigate your options and find the solution that fits you best.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Comparing the pros and cons of public vs. private health insurance in Germany
- Choosing the right additional health coverage in Germany is difficult without reliable advice
- Preparing a living will (patient directive) in Germany is challenging for Expats
- Managing paperwork or switching health insurance providers feels complicated
Our Expat Solutions
- We match you with the best private health insurance in Germany
- A strong public health (Krankenkasse) solution for Expats + enrollment
- Additional protection with health add-ons and long-term care insurance
- Full support with insurer changes, invoice handling and premium optimazation
View Transcript
More Than Basic. Coverage made for You.
In Germany, many expats start out with public health insurance.
It’s a solid foundation — but there are quite a few treatments that are only partially covered, or not covered at all.
Think about dental care, glasses, or alternative therapies.
Or what if you’d prefer a private hospital room, or want to choose your own doctor?
We help you explore smart private add-ons that match your lifestyle and close the gaps — especially when it comes to:
Dental and vision care
Enhanced hospital benefits
Natural and alternative medicine
We’ll also explain when switching to full private insurance might make sense — and when it clearly doesn’t.
You can count on our honest, expert advice — Together, we’ll navigate your options and find the solution that fits you best.
Let’s make it make sense, with Exparanto.
Income & Life
Your Expat Challenges
- Illness or accident in Germany can end your career and cut off your income
- Comparing life and disability insurance in Germany is difficult without reliable advice
- It is unclear if insurance periods from your home country will count in Germany
- Should you rely on state, company, or private pension schemes, or a mix?
Our Expat Solutions
- Disability income protection in Germany for Expats – counting your insurance record abroad
- Life and critical illness cover secures your future and safeguards your family
- Reliable guidance to choose your best pension option in Germany
- No more confusing fine print - we make the essentials clear and easy to understand
View Transcript
You’ve done a lot to build your life here — and it’s going well.
A good job, a steady routine, maybe even a long-term plan for your future in Germany.
But here’s the question…:
What if life doesn’t go as planned? What if you couldn’t work for a while and your income stops? How does that affect the people who count on you? Your family. The ones who matter most.
Most people try not to picture that kind of moment — and that’s only human.
As an expat, it’s important to pay special attention to waiting periods within the German social security system.
We’re here to take that pressure off your shoulders.
We help you understand:
What kinds of protection exist in Germany
What’s right for your profession and your way of life
What makes sense now — and could save you a lot of money
We give you clear answers — so you are always properly protected.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Illness or accident in Germany can end your career and cut off your income
- Comparing life and disability insurance in Germany is difficult without reliable advice
- It is unclear if insurance periods from your home country will count in Germany
- Should you rely on state, company, or private pension schemes, or a mix?
Our Expat Solutions
- Disability income protection in Germany for Expats – counting your insurance record abroad
- Life and critical illness cover secures your future and safeguards your family
- Reliable guidance to choose your best pension option in Germany
- No more confusing fine print - we make the essentials clear and easy to understand
View Transcript
You’ve done a lot to build your life here — and it’s going well.
A good job, a steady routine, maybe even a long-term plan for your future in Germany.
But here’s the question…:
What if life doesn’t go as planned? What if you couldn’t work for a while and your income stops? How does that affect the people who count on you? Your family. The ones who matter most.
Most people try not to picture that kind of moment — and that’s only human.
As an expat, it’s important to pay special attention to waiting periods within the German social security system.
We’re here to take that pressure off your shoulders.
We help you understand:
What kinds of protection exist in Germany
What’s right for your profession and your way of life
What makes sense now — and could save you a lot of money
We give you clear answers — so you are always properly protected.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Illness or accident in Germany can end your career and cut off your income
- Comparing life and disability insurance in Germany is difficult without reliable advice
- It is unclear if insurance periods from your home country will count in Germany
- Should you rely on state, company, or private pension schemes, or a mix?
Our Expat Solutions
- Disability income protection in Germany for Expats – counting your insurance record abroad
- Life and critical illness cover secures your future and safeguards your family
- Reliable guidance to choose your best pension option in Germany
- No more confusing fine print - we make the essentials clear and easy to understand
View Transcript
You’ve done a lot to build your life here — and it’s going well.
A good job, a steady routine, maybe even a long-term plan for your future in Germany.
But here’s the question:
What if life doesn’t go as planned? What if you couldn’t work for a while and your income stops? How does that affect the people who count on you? Your family. The ones who matter most.
Most people try not to picture that kind of moment — and that’s only human.
As an expat, it’s important to pay special attention to waiting periods within the German social security system.
We’re here to take that pressure off your shoulders.
We help you understand:
What kinds of protection exist in Germany, what’s right for your profession and your way of life, what makes sense now — and could save you a lot of money.
We give you clear answers — so you are always properly protected. Let’s make it make sense, with Exparanto.
Home & Family
Your Expat Challenges
- Understanding liability, contents, buildings, and legal insurance in Germany
- Missing cover for floods, storms, bike theft, or valuables
- Online insurers leave you waiting in queues when you need fast help
- Managing paperwork and claims in German can be stressful
Our Expat Solutions
- Complete home package: liability, contents, buildings, legal, and natural hazard insurance
- Extras made simple: bike/e-bike theft, solar PV and valuables cover
- Personal English-speaking advisor as your fixed contact for claims and changes
- Ongoing policy supervision - we make sure your cover stays effective
View Transcript
You didn’t move here for less security. You moved here for a good life.
When you move to Germany, you want your new home — and your family — to be well protected. It’s easy to overlook essential coverage in a new system.
Heavy rain and hailstorms are on the rise — damaging roofs, flooding basements, even in areas that were never considered high risk.
Two thirds of all accidents happen at home or during your free time.
And if you are an expat, make sure to understand the waiting periods that can apply when accessing benefits in the German social system — because not everything is covered from day one.
That’s why we focus on what truly matters from the beginning:
• Personal liability insurance — for you and your Family.
• Private accident insurance — anytime, anywhere, whatever you do.
• And of course: Coverage for your home and household contents.
We’ll help you understand what you need and how to stay protected — step by step. This way, you can feel safe, settle in, and enjoy your life in Germany.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Understanding liability, contents, buildings, and legal insurance in Germany
- Missing cover for floods, storms, bike theft, or valuables
- Online insurers leave you waiting in queues when you need fast help
- Managing paperwork and claims in German can be stressful
Our Expat Solutions
- Complete home package: liability, contents, buildings, legal, and natural hazard insurance
- Extras made simple: bike/e-bike theft, solar PV and valuables cover
- Personal English-speaking advisor as your fixed contact for claims and changes
- Ongoing policy supervision - we make sure your cover stays effective
View Transcript
You didn’t move here for less security. You moved here for a good life.
When you move to Germany, you want your new home — and your family — to be well protected. It’s easy to overlook essential coverage in a new system.
Heavy rain and hailstorms are on the rise — damaging roofs, flooding basements, even in areas that were never considered high risk.
Two thirds of all accidents happen at home or during your free time.
And if you are an expat, make sure to understand the waiting periods that can apply when accessing benefits in the German social system — because not everything is covered from day one.
That’s why we focus on what truly matters from the beginning:
• Personal liability insurance — for you and your Family.
• Private accident insurance — anytime, anywhere, whatever you do.
• And of course: Coverage for your home and household contents.
We’ll help you understand what you need and how to stay protected — step by step. This way, you can feel safe, settle in, and enjoy your life in Germany.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Understanding liability, contents, buildings, and legal insurance in Germany
- Missing cover for floods, storms, bike theft, or valuables
- Online insurers leave you waiting in queues when you need fast help
- Managing paperwork and claims in German can be stressful
Our Expat Solutions
- Complete home package: liability, contents, buildings, legal, and natural hazard insurance
- Extras made simple: bike/e-bike theft, solar PV and valuables cover
- Personal English-speaking advisor as your fixed contact for claims and changes
- Ongoing policy supervision - we make sure your cover stays effective
View Transcript
You didn’t move here for less security. You moved here for a good life.
When you move to Germany, you want your new home — and your family — to be well protected. It’s easy to overlook essential coverage in a new system.
Heavy rain and hailstorms are on the rise — damaging roofs, flooding basements, even in areas that were never considered high risk.
Two thirds of all accidents happen at home or during your free time.
And if you are an expat, make sure to understand the waiting periods that can apply when accessing benefits in the German social system — because not everything is covered from day one.
That’s why we focus on what truly matters from the beginning:
• Personal liability insurance — for you and your Family.
• Private accident insurance — anytime, anywhere, whatever you do.
• And of course: Coverage for your home and household contents.
We’ll help you understand what you need and how to stay protected — step by step. This way, you can feel safe, settle in, and enjoy your life in Germany.
Let’s make it make sense, with Exparanto.
Car Insurance & Breakdown Service
Your Expat Challenges
- Car insurance in Germany is complex - covers are difficult to compare
- Registration, plates and documents are in German and hard for Expats
- Breakdowns or accidents leave you without clear English-speaking support
- Online insurers put you in queues when fast claims help is needed
Our Expat Solutions
- Clear English advice on car liability, partial and full casco insurance in Germany
- Easy setup and registration - we handle eVB-Codes and paperwork for you
- Special car insurance options for young drivers and Expats new to Germany
- Personal advisor, regular policy checks, and bundled cover for car, home & more
View Transcript
Driving in Germany? No matter what, we’ll keep you moving.
Driving in Germany can be exciting.
But let’s be honest — there can be bumps along the road.
A crash.
A breakdown.
A speeding ticket you didn’t expect.
A legal paper you don’t understand – or the rights you have.
In moments like these you need someone who speaks your language — and understands the system.
That’s where we come in.
We guide you step by step after an accident
We help you file the claims report and where to bring your car
We support you handle legal issues — from fines to legal cases
And if your car won’t move? Roadside help is included
We review your current coverage — or help you set up the right protection from scratch.
So, no matter if you’re just starting out, or if you are already on the road — we make sure your insurance fits your life here in Germany.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Car insurance in Germany is complex - covers are difficult to compare
- Registration, plates and documents are in German and hard for Expats
- Breakdowns or accidents leave you without clear English-speaking support
- Online insurers put you in queues when fast claims help is needed
Our Expat Solutions
- Clear English advice on car liability, partial and full casco insurance in Germany
- Easy setup and registration - we handle eVB-Codes and paperwork for you
- Special car insurance options for young drivers and Expats new to Germany
- Personal advisor, regular policy checks, and bundled cover for car, home & more
View Transcript
Driving in Germany? No matter what, we’ll keep you moving.
Driving in Germany can be exciting.
But let’s be honest — there can be bumps along the road.
A crash.
A breakdown.
A speeding ticket you didn’t expect.
A legal paper you don’t understand – or the rights you have.
In moments like these you need someone who speaks your language — and understands the system.
That’s where we come in.
We guide you step by step after an accident
We help you file the claims report and where to bring your car
We support you handle legal issues — from fines to legal cases
And if your car won’t move? Roadside help is included
We review your current coverage — or help you set up the right protection from scratch.
So, no matter if you’re just starting out, or if you are already on the road — we make sure your insurance fits your life here in Germany.
Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Car insurance in Germany is complex - covers are difficult to compare
- Registration, plates and documents are in German and hard for Expats
- Breakdowns or accidents leave you without clear English-speaking support
- Online insurers put you in queues when fast claims help is needed
Our Expat Solutions
- Clear English advice on car liability, partial and full casco insurance in Germany
- Easy setup and registration - we handle eVB-Codes and paperwork for you
- Special car insurance options for young drivers and Expats new to Germany
- Personal advisor, regular policy checks, and bundled cover for car, home & more
View Transcript
Driving in Germany? No matter what, we’ll keep you moving.
Driving in Germany can be exciting. But let’s be honest — there can be bumps along the road. A crash. A breakdown.
A speeding ticket you didn’t expect.
A legal paper you don’t understand – or the rights you have.
In moments like these you need someone who speaks your language — and understands the system.
That’s where we come in.
We guide you step by step after an accident
We help you file the claims report and where to bring your car
We support you handle legal issues — from fines to legal cases
And if your car won’t move? Roadside help is included
We review your current coverage — or help you set up the right protection from scratch.
So, no matter if you’re just starting out, or if you are already on the road — we make sure your insurance fits your life here in Germany.
Let’s make it make sense, with Exparanto.
Pet Insurances
Your Expat Challenges
- Veterinary costs in Germany can quickly add up to thousands of euros
- Dog and horse owners are legally liable for any damage their animal causes
- Most pet insurance options in Germany are only explained in German
Our Expat Solutions
- Comprehensive health & surgery insurance for dogs, cats, and horses
- Reliable liability coverage for dog and horse owners
- For cats, liability is already included in your private liability insurance
View Transcript
Cats. Dogs. Horses. We consider your pet family.
No matter who’s waiting for you at home – they need the best care.
Vet visits can be stressful – emotionally and financially. From routine check-ups to emergency surgery, even a short visit can turn into a big expense.
With our Pet Medical solutions, you protect your four-legged companion the way you would protect any other family member:
• For dogs – from ear infections to ligament injuries
• For cats – from dental treatment to chronic illness
• and for horses – from colic to tendon injuries
We offer tailored insurance ensuring quick access to treatment – without hesitation or financial worry.
You care. We cover. Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Veterinary costs in Germany can quickly add up to thousands of euros
- Dog and horse owners are legally liable for any damage their animal causes
- Most pet insurance options in Germany are only explained in German
Our Expat Solutions
- Comprehensive health & surgery insurance for dogs, cats, and horses
- Reliable liability coverage for dog and horse owners
- For cats, liability is already included in your private liability insurance
View Transcript
Cats. Dogs. Horses. We consider your pet family.
No matter who’s waiting for you at home – they need the best care.
Vet visits can be stressful – emotionally and financially. From routine check-ups to emergency surgery, even a short visit can turn into a big expense.
With our Pet Medical solutions, you protect your four-legged companion the way you would protect any other family member:
• For dogs – from ear infections to ligament injuries
• For cats – from dental treatment to chronic illness
• and for horses – from colic to tendon injuries
We offer tailored insurance ensuring quick access to treatment – without hesitation or financial worry.
You care. We cover. Let’s make it make sense, with Exparanto.
Your Expat Challenges
- Veterinary costs in Germany can quickly add up to thousands of euros
- Dog and horse owners are legally liable for any damage their animal causes
- Most pet insurance options in Germany are only explained in German
Our Expat Solutions
- Comprehensive health & surgery insurance for dogs, cats, and horses
- Reliable liability coverage for dog and horse owners
- For cats, liability is already included in your private liability insurance
View Transcript
Cats. Dogs. Horses. We consider your pet family.
No matter who’s waiting for you at home – they need the best care.
Vet visits can be stressful – emotionally and financially. From routine check-ups to emergency surgery, even a short visit can turn into a big expense.
With our Pet Medical solutions, you protect your four-legged companion the way you would protect any other family member:
• For dogs – from ear infections to ligament injuries
• For cats – from dental treatment to chronic illness
• and for horses – from colic to tendon injuries
We offer tailored insurance ensuring quick access to treatment – without hesitation or financial worry.
You care. We cover. Let’s make it make sense, with Exparanto.
Expats choose Exparanto – Here’s why!
English-speaking insurance experts
Cover tailored for your needs as an Expat
Saving money with bundled policies
Fast sign-up & support for existing policies
Get insured the smart way. Call Exparanto today!
Ask us anything
What types of insurance do expats need in Germany?
As an expat in Germany, you may need health insurance (mandatory by law), liability insurance (highly recommended), and pension coverage (for long-term planning). Our team helps you find the best options based on your status and needs.
How does the insurance consultation process work?
Our process is simple and fully in English:
- Step 1: Free consultation call to assess your needs.
- Step 2: We compare the best insurance plans for you.
- Step 3: Hassle-free setup – no paperwork or German language barrier
Can I switch my insurance if I already have one?
Yes! If you are unhappy with your current policy, we analyze your contract and find a better, more cost-effective solution. We also handle the transition for you.
How can I best reach Exparanto?
We prefer to be contacted via WhatsApp – this allows us to respond to your questions quickly and efficiently. Our first contact option is a convenient appointment booking via Calendly. For comprehensive consultations, we recommend video conferencing to provide you with personalized and detailed advice. Of course, you are also welcome to visit our agency for a face-to-face conversation. We look forward to hearing from you!
How much does your service cost?
Our consultation is 100% free, meaning our service comes at no cost to you. We get compensated by insurance providers – while ensuring you always get the best deal.
