DR-WALTER Reviews 286

Overall, I can highly recommend Dr. Walter without reservation – a trustworthy and customer-oriented insurance provider with excellent service.

I have had very positive experiences with the insurance company Dr. Walter. The service is reliable and professional. Particularly noteworthy is the quick handling of inquiries as well as the competent and friendly advice.

The insurance products offered are clearly structured and well tailored to the needs of international clients. Even in the event of a claim, everything was handled smoothly and efficiently, which gave me a strong sense of security.

C.Chen

Fast services

Great customer service! I was uncertain which insurance to pick but they responded to my question very fast!

Everyone very helpful and pretty straightforward system. Only issue was it took 3 weeks for the money to be debited from my account using a visa card. Overall very satisfied.

I was a happy customer with ADAC more than 5 times and only good reason to switch was DR-WALTER provides support in English but not claims.

I am writing this to highlight the unprofessional behavior of the Dr-Walter Claims Department. My claim (PWT-120001) has been handled with a complete lack of consistency and transparency.

The department has provided three contradictory reasons for denying my claim:

Initially, they claimed documents were "illegible" (resolved by providing digital receipts).
Then, they termed medical treatment for a diagnosed condition as "preventive."
Finally, they claimed a "pre-existing condition" based on non-specific symptoms, ignoring evidence-based medical facts and the official diagnosis date.
After a formal escalation, I received an email from the Claims Department on December 15, 2025, stating they would "carefully re-examine the case" and "inform me immediately."
It has been 19 days, and I have received no response. This delay and the refusal to engage with the actual medical facts of the case are unacceptable for a licensed German insurance administrator. I expect a professional resolution immediately, not more generic templates.

UPDATE (2026-01-10):
It has now been more than 25 days since your promise on December 15 to “inform me immediately”. Using public holidays as an explanation for complete silence over such an extended period is not acceptable for a professional insurance administrator.

My case is not “complex”; what appears complex is the way you have handled it. You have already cycled through three different explanations: technical (“illegible documents”), medical (“preventive”), and finally legal (“pre-existing condition”). In German insurance practice, inconsistent and shifting reasons for a denial are widely seen as a red flag for bad-faith handling of claims.

I therefore request a final, formal decision that explains, in writing, why the reasons for denying my claim have changed and which exact policy clauses you rely on. In the absence of a professional and transparent response, I will proceed with escalating this case to BaFin (Federal Financial Supervisory Authority) to address these “denial fishing” tactics and the breach of professional standards.

It was an easy and fast process to make the purchase

I chose Dr Walter Provisit because signup was fast, coverage started on my arrival date, and the price was fair. I liked clear terms, simple claims instructions, and quick support. It made relocation easier and stress free.

I needed temporary coverage while moving and I wanted something I could purchase online without paperwork delays or medical questionnaires. The website made the process simple. I entered personal data, selected a start date, and paid. I received policy documents instantly and the information was clear and easy to understand. The policy listed coverage for doctor visits, emergency care, prescriptions, travel coverage, and medical evacuation, which matched basic needs during relocation. Customer support responded to emails in under a day and answered direct questions with short, clear explanations. The cost stayed predictable and competitive, which helped with budget planning during the move. I recommend it to anyone relocating or waiting for public insurance because it gives fast coverage with low effort and reliable support.

SUPER EASY AND AFFORDIBLE. EXCELLENT FOR OUR RELOCATION TO GERMANY FROM THE US.

It’s really easy to register and receive health insurance.

I had different issues when I needed the insurance as a student in Germany and despite the fact that there were controversial case in my situation - overall everything was resolved really well. I am thankful for their work and actually I think they did more than I expected. I have them for almost 3 years and price wise it really helped me! The only thing is the communication, sometimes you have different people who respond and they loose stuff and some mess happened, but I would choose them again and reccomend them to my friends!

I have Dr Walter provisit Germany insurance because I am on a 2 years VISA. Had an emergency (ambulance and all) and I was honestly super stress about the cost. In the end, I just had to send my bills and it was process in less than a month and I got reimbursed. I usually have little faith in insurance companies but in this case: really good service! And when you have an issue you can call them to talk to someone in english and they will help you.

Their services was so exited because it was stress free to access with them and they even delivered the insurance to my email within a seconse with affordable price. I was so glad.

they will find a way for decline your health receipt. dont trust them.

This is a joke. Please do not get this insurance. Dr-Walter will find any correlation between your medical issue and something that happened in your life from before the travel, and then say it started before so we will not cover it.

I mean I don't understand this policy to begin with. How often does someone have a medical issue that is not based on some kind of background history from earlier in their life? Really only accidents would be true independent medical issues that do not depend on a time from before you had the insurance.

I purchased PROVISIT-VISUM for my mother. She had to use it 2 times during her stay. We got the full refund for both times. Everything through Email. The processing time takes couple of weeks but full refund at the end. Many thanks to DR-WALTER team for processing the refund.

I wanted to change my Insurance Start date and Adress.However they dont replied my demand even after 2 days.And its a emergency situation.
Edit:They sent my new policy the day after I wrote this comment.I am really satisfied with their services.

Dr Walter handles claims for Genki insurance. Their system only allows for 5 invoices to be filed at a time. For each filing they ask the same information: Which insurance you have, how the accident happened, your account number etc. All information you have already provided.
Then for each 5 invoices filed a different team member gets back to you. Often with wrong or dubious interpretations of your insurance coverage.

All in all it appears to be a setup by the insurance company and the handler Dr Walter to not pay any compensation.

I requested a cancellation because my insurance got rejected, and I get generic messages about my request is taking longer than expected without any info, at this time I would think my money got scammed

Update: My request got issued, I assume that I'm getting back my money, if so, i would keep this 5-star for creditibility