Allianz Elementar Versicherungs-Aktiengesellschaft
Allianz
Allianz is a travel insurance for the Austria market with no online purchase and 24/7 assistance.
Direct payment
Costs for medically necessary treatment abroad, medical transport and other assistance services are settled directly by Allianz's Assistance-Zentrale with service providers; for inpatient treatment abroad, notification to the Assistance-Zentrale within three days of admission is sufficient.
Geographic scope
Worldwide
Coverage applies worldwide for trips booked during the contract period.
Starting price
€239
Indicative — pricing assumptions not stated
Unique selling points
- No deductible applies for claims under the family tariff, unlike many competing annual travel policies.
- Unlimited number of trips per year are covered, each up to 62 days, for a single annual premium.
- Medical expenses abroad are covered up to EUR 1,000,000 under the PLUS tier, well above many standard travel policies.
- Pandemic and epidemic illnesses, including COVID-19, are explicitly included as a covered illness rather than excluded.
- The family tariff covers unlimited children and the partner living in the same household at no extra cost.
Coverage limits
Medical expenses abroad
€320,000 – €1,000,000
Total cost coverage for all insured medical services per claim and insurance period is capped at EUR 320,000 under Top Jahresreiseschutz (Basis) and at EUR 1,000,000 under Top Jahresreiseschutz PLUS.
Emergency medical treatment
€320,000 – €1,000,000
Emergency medical treatment costs abroad fall under the combined benefits cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.
Hospitalization abroad
€320,000 – €1,000,000
Hospital treatment costs abroad are covered within the same combined cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.
Outpatient treatment abroad
€320,000 – €1,000,000
Outpatient/ambulatory medical treatment abroad is covered under the same combined benefits cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.
Emergency dental treatment
No limit stated
No specific sub-limit for emergency dental treatment could be confirmed in the reviewed source documents.
Medical transport
Covered
No limit stated
Medical transport is organized and covered by the Assistance-Zentrale, which decides on the means of transport and accommodation based on medical necessity and reasonableness; a specific monetary sub-limit was not confirmed.
Medical evacuation
Covered
No limit stated
The product overview references cost coverage for medical evacuation/repatriation as part of the assistance services; a specific monetary sub-limit for evacuation alone was not confirmed.
Repatriation of remains
No limit stated
Not confirmed with a specific value in the reviewed source documents.
Search and rescue costs
No limit stated
Unlabeled EUR amounts appear in the T&C text near assistance-service provisions, but no source could be confirmed clearly attributing a specific sub-limit to search and rescue costs for this exact product.
COVID-19 / pandemic-related treatment
Conditional
Only in Top Jahresreiseschutz PLUS
Under Top Jahresreiseschutz PLUS, illnesses designated as an epidemic by a national health authority or as a pandemic by the WHO (e.g. COVID-19) are treated as a covered illness within the combined EUR 1,000,000 medical benefits cap. Under the Basis tier (Top Jahresreiseschutz), epidemics and pandemics are explicitly excluded from cover.
Pre-existing conditions
Excluded
No cover applies to events or conditions that had already occurred and were recognizable to the insured person at the start of the insurance or at the start of the trip.
Winter sports cover
No limit stated
Not confirmed as a distinct, separately-defined benefit in the reviewed source documents.
Adventure sports cover
No limit stated
Not confirmed as a distinct, separately-defined benefit in the reviewed source documents.
Pregnancy complications
No limit stated
Not addressed with a specific benefit or exclusion in the reviewed source documents.
Personal liability
No limit stated
Travel personal liability sums found in search results (e.g. up to EUR 300,000/500,000) relate to a different Allianz Assistance (AWP) product line and could not be confirmed for Top Jahresreiseschutz / Top Jahresreiseschutz PLUS.
Legal assistance costs
€2,000
Only in Top Jahresreiseschutz PLUS
Legal assistance/advice costs related to a covered event are reimbursed up to EUR 2,000 per insurance period.
24/7 assistance hotline
Covered
Allianz operates a 24-hour Assistance-Zentrale that coordinates medical treatment, transport and other assistance services worldwide; for inpatient treatment abroad, notification within three days of admission is sufficient.
Key conditions
Assistance call deadline
For medically necessary inpatient treatment abroad under the insured benefits, notifying the Assistance-Zentrale within three days of admission is sufficient.
Unauthorized treatment
No specific penalty for unauthorized or unreported treatment is stated in the reviewed policy documents beyond the general reporting obligation to the Assistance-Zentrale.
Purchase while abroad
Not explicitly addressed for medical cover; for trip cancellation cover, if the annual policy is taken out after the trip is booked, cancellation cover only starts on the 10th day after conclusion of the contract, provided the trip begins at least 30 days later.
Chronic conditions
Chronic illnesses and conditions that had already occurred and were recognizable to the insured person at the start of the policy or at the start of the trip are excluded from cover.
Pregnancy
Not specifically addressed in the reviewed source documents.
Pre-existing condition exclusions
Events or illnesses already present and recognizable at policy inception or at the start of the trip are excluded from cover.
Coverage duration limit
Benefits apply to all trips booked during the contract term, each up to a maximum duration of 62 days; the number of trips per year is unlimited.
Where to buy
Documents
Special Terms No. 5944 - Top Jahresreiseschutz (Basis)
Terms & conditions
Special Terms No. 5945 - Top Jahresreiseschutz PLUS
Terms & conditions
Special Terms No. 9995 - Top Jahresreiseschutz Plus
Terms & conditions
Benefits overview - Top Jahresreiseschutz and Top Jahresreiseschutz PLUS
Table of benefits
Policy specifics
Trip cancellation coverage with waiting period
Coverage applies immediately if purchased before or at same time as trip booking; applies from day 10 if purchased after booking (minimum 30-day trip start requirement)
SourceMedical expenses and emergency medical assistance
Covers medical treatment costs abroad, medical transport, and emergency assistance worldwide; legal assistance costs up to EUR 2,000 per insurance period
SourceMaximum trip duration per journey
Each trip covered under annual policy may last maximum 62 days
SourceFamily coverage with unlimited children
Covers all children and household members without additional cost; no deductible applies in claims
SourcePandemic and epidemic coverage specification
Covers diseases designated as epidemic by national health authority or pandemic by WHO (includes COVID-19)
SourceAnnual contract duration and renewal
Contract duration is one year; automatic renewal unless cancelled one month before end of contract period
Source