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
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You didn't come this far to get lost in translation.
Transcript (for accessibility)
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
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More Than Basic. Coverage made for You.
Transcript (for accessibility)
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
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You didn't move here for less security. You moved here for a good life.
Transcript (for accessibility)
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
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Transcript (for accessibility)
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
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Driving in Germany? No matter what, we'll keep you moving.
Transcript (for accessibility)
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.
Save more with our car bundle deal
Combine your car insurance with other cover and save on both — Markus explains how it works.
Pet Insurances
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Cats. Dogs. Horses. We consider your pet family.
Transcript (for accessibility)
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!
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.