The best place to change money is at a bank, and there are many of them in Germany. The hotel, large department stores, tourist-oriented gift shops, and some restaurants accept credit cards. Master Card and VISA are quite commonly used and many places take American Express. Smaller shops, cafes, bars, and grocery stores typically DO NOT accept credit cards of any kind. Paying with travelers' checks in any establishment is often difficult or impossible.
Breakfast is provided daily at the hotel without charge.
Obviously, amounts may vary from person to person. It is rare for people to purchase medical or travel insurance for Germany, although it can be arranged by a travel asset in most instances. Your own insurance company can tell you about special policy riders for medical coveralls abroad or emergency cars. Common OTC products to us may require a RX in Germany, and vice versa. German Time German time is six hours ahead of the U.S. Eastern Time Zone clock.