The travel add-on for €1.50 a month is a no-brainer in our opinion: Worldwide travel insurance for up to 8 weeks at a time. If you have any accidents abroad, you're covered without limit. And if you get transported back with the help of the provider, you're fully covered, too.

Pretty much the only time when we don't recommend this is if you actively plan on not traveling outside of Germany for the next few years. One trip per year and it's already worth it.