Can't you take out a travel insurance to cover health issues?
I have been with the ADAC back in Germany and found that they have a very comprehensive offer, both for breakdown and medical cover if you chose the plus membership. But that was a while back. As for European cover, make sure that it covers Germany as well, as they are a German provider and might not include it in the European cover. I would call them to see how they deal with someone who doesn't speak German.
Good luck!
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1997 Volvo S70
10v, 2.5, 144bhp, manual, anthracite, Jetex exhaust, LHD
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