Are you hosting or becoming an au pair in Europe? One of the most important steps before your placement begins is choosing the right au pair insurance. Whether you're a host family in Germany, France, Spain or anywhere in Europe, this au pair insurance comparison helps you find the best plan for 2025.

At Auost.de, we support safe, successful au pair placements — and that starts with the right protection.

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🔍 Why Is Au Pair Insurance So Important?

Insurance isn't just a legal requirement in most countries — it's peace of mind.

✅ For au pairs, it covers medical bills, accidents, and personal liability.
✅ For host families, it protects against unexpected costs or damages.
✅ For both, it ensures compliance with visa and au pair program rules.

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🛡️ Types of Au Pair Insurance (Must-Have Coverage)

Here’s a breakdown of the essential insurance types every au pair in Europe needs:

1. Health Insurance (Required)

• Covers doctor visits, hospital stays, emergency care

• Needed for visa and residence permit

• Should include COVID-19, mental health, and dental care (optional)

• 💡 Top plans: DR-WALTER Au-Pair24, CareMed, HanseMerkur

2. Liability Insurance (Highly Recommended)

• Covers accidental damage to property or people

• Often included in host family responsibilities

• Example: An au pair breaks a smartphone or causes a kitchen fire

3. Accident Insurance

• Protects in case of disability or injury during activities (e.g., sports, travel)

• Often bundled with health or liability coverage

4. Travel Insurance (Optional)

• Ideal for au pairs exploring Europe during or after their stay

• Covers trip cancellations, baggage loss, and emergencies

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📊 Au Pair Insurance Comparison Table (2025)

Provider	Coverage Type	Monthly Price (€)	Key Benefits
DR-WALTER	Health + Liability	33–45	Trusted for German visas, English support
CareMed	Health + Travel	29–39	Ideal for worldwide au pairs, flexible claims
HanseMerkur	Health Only	25–35	Strong in Germany, direct billing with clinics
PROTRIP-WORLD	Full Package	30–40	Good for global au pair coverage

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✅ How to Choose the Right Au Pair Insurance

Use these tips from Auost.de experts:

• 📍 Check visa requirements (varies by country)

• 🧾 Read the fine print (some plans exclude dental or mental health)

• 🗣️ Choose a plan with multilingual support

• 🔄 Check if renewal is possible (for extensions or second-year au pairs)

• 💬 Ask your host family who's paying (some countries require them to cover it)

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🌍 Country-Specific Tips

• Germany: Health insurance must be registered with local authorities. DR-WALTER and HanseMerkur are most common.

• France: Au pairs may be covered under the French social security system but still need supplemental coverage.

• Spain & Italy: Private insurance is often required for visa approval.

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🚀 Insure Your Experience with Auost.de

At Auost.de, we connect trusted au pairs with verified host families across Europe. We also help you find the right insurance — fast.

💡 Need help choosing a policy? Our onboarding system recommends insurance options tailored to your country and placement length.

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Final Thoughts

Choosing the right insurance protects both au pairs and host families from surprises. Whether you're starting a new adventure or welcoming someone into your home, use this au pair insurance comparison as your 2025 guide to peace of mind.

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FAQs – Au Pair Insurance 2025

Q: Can a host family pay for the insurance?
Yes! In many countries like Germany or Austria, host families are responsible for paying at least part of the insurance costs.

Q: Is European travel included in au pair insurance?
Only if you choose a plan that covers travel. Check the fine print.

Q: Can I switch insurance mid-year?
Usually yes, but make sure to check cancellation terms and visa requirements.