Allianz
Allianz Assistance is a travel insurance for the AT market with online purchase and 24/7 assistance.
Direct payment
In the event of hospitalization, Allianz can provide a cost guarantee directly to the hospital. After reporting a medical emergency, Allianz settles directly with local service providers and social insurance bodies. A digital payment card (hi.health) is also available so insured persons do not need to pay out of pocket.
Geographic scope
Schengen Area
Worldwide except country of origin; primarily Schengen/EU; maximum trip duration 90 days per trip
Starting from
€20
Unique selling points
- Medical expenses covered up to EUR 1,000,000 depending on chosen variant – significantly above the EUR 30,000 Schengen minimum – ensuring full protection even in high-cost destinations like the USA.
- Cashless treatment via the hi.health digital payment card: insured persons do not need to pay out of pocket in a medical emergency abroad.
- 24/7 emergency assistance hotline (+43 1 525 03 245) with multilingual support for medical emergencies, lost documents, legal issues and direct cost-guarantee to hospitals.
- The Visitor Insurance product line is explicitly certified to meet all Schengen visa legal requirements, simplifying the visa application process for non-EU visitors to Austria.
- Free telemedicine consultations abroad via the Allyz app – included at no extra charge for all Allianz travel insurance policyholders.
Coverage limits
Medical expenses abroad
Covered
Coverage for sudden and unexpected illness, injury or accident requiring medical treatment during the insured trip abroad, including diagnosis and treatment of epidemic/pandemic diseases such as COVID-19. The Visitor Insurance Simple covers up to EUR 30,000; the Deluxe variant's exact ceiling is not confirmed from available sources. The general Reiseschutz products cover up to EUR 1,000,000 depending on chosen variant.
Emergency medical treatment
Covered
Covers emergency medical treatment costs including outpatient visits, hospitalization, medications prescribed by a local physician, and dental emergency treatment during the insured trip abroad.
Hospitalization
Covered
Inpatient hospital stays are covered under the medical expenses benefit. Allianz can issue a direct cost guarantee to the hospital upon notification of the medical emergency.
Outpatient treatment
Covered
Outpatient medical visits and treatments during the trip abroad are covered under the overall medical expenses limit. Includes visits to local doctors and clinics, including private medical facilities in tourist areas.
Emergency dental treatment
Covered
Covers emergency dental treatment costs during the trip abroad, e.g. dental injuries, inflammation, lost fillings or broken teeth. The Visitor Insurance Simple sub-limit is EUR 500; exact limit for the Deluxe variant is not separately confirmed.
Medical transport
Covered
Covers medically necessary transport to the nearest appropriate hospital and, where medically indicated, repatriation to the home country. Actual transport costs are covered. For the Jahresschutz product, the transport including search and rescue limit is EUR 80,000.
Medical evacuation
Covered
Medical evacuation including air ambulance is covered when local medical care is insufficient and the patient is medically fit to be transported. Arrangement and organization must be approved by the insurer's 24h assistance centre.
Repatriation of remains
Covered
Repatriation of mortal remains to the insured's home country is covered. Allianz handles organization and covers the costs of repatriation as part of the medical transport benefit.
Search and rescue
Covered
Search and rescue costs are covered as part of the medical transport benefit. The Jahresschutz product specifies a combined transport including search and rescue limit of EUR 80,000. The Visitor Insurance / Reiseschutz Basic specific limit is not separately stated in available sources.
COVID-19 treatment
Covered
Treatment of COVID-19 and other epidemic or pandemic diseases is explicitly included within the medical expenses benefit, provided it constitutes a sudden, unexpected illness during the trip.
Pre-existing conditions
Excluded
Pre-existing conditions and foreseeable medical situations known at the time of policy purchase are excluded. A sudden, acute worsening of an existing condition may be covered if it constitutes incapacity to travel, but routine management of chronic diseases is excluded.
Winter sports cover
Optional
Winter sports coverage availability is not explicitly confirmed for the Visitor Insurance Deluxe in available sources. The general Reiseschutz products cover accidental injuries including those during sports; a specific winter sports add-on or sport rider may be required for certain high-risk activities.
Adventure sports cover
Excluded
Adventure or extreme sports cover is available as an optional add-on. Standard policies cover typical holiday activities; high-risk sports (e.g. mountaineering, extreme water sports) may require a specific sport add-on rider.
Pregnancy complications
Conditional
Normal, complication-free pregnancy and childbirth is excluded. Complications of pregnancy that constitute a sudden, unexpected medical emergency during the trip may be covered under the medical expenses benefit.
Personal liability
Covered
Personal travel liability (Reise-Privathaftpflichtversicherung) is included in Reiseschutz packages but may not be part of the standalone Visitor Insurance Deluxe product. Exact inclusion in the Deluxe IPID is not confirmed from available sources.
Legal assistance
Covered
The 24h assistance centre provides legal assistance referrals and support in cases of criminal prosecution abroad and loss of travel documents or means of payment. Direct legal cost coverage is part of the assistance services.
24/7 assistance
Covered
24/7 emergency assistance hotline available worldwide at +43 1 525 03 245. Covers medical emergencies, support for lost documents, payment means, criminal prosecution, and organization of repatriation. Digital payment card (hi.health) also available for cashless treatment.
Key conditions
Assistance call deadline
In the event of a medical emergency, the insurer's 24h assistance centre (+43 1 525 03 245) must be contacted as soon as possible. Medical transport and evacuation must be organized and approved by the assistance centre; unauthorized transports arranged independently may not be reimbursed.
Unauthorized treatment
Treatment costs incurred without prior notification of the 24h assistance centre, where notification was required, may be subject to reduced reimbursement or denial. The insurer reserves the right to withhold reimbursement for costs arising from unauthorized treatment arrangements.
Purchase while abroad
It is not possible to take out a travel insurance policy after the trip has already started. Purchase on the day of departure is possible, but coverage only begins at 00:00 on the following day.
Chronic conditions
Chronic diseases are generally not covered as pre-existing conditions. However, a sudden acute worsening of a chronic disease that renders the insured person unable to travel may be treated as a covered event under certain conditions.
Pregnancy
Normal, complication-free pregnancy and childbirth are excluded from coverage. Unexpected complications of pregnancy occurring during the trip that constitute a sudden medical emergency may be covered under the medical expenses benefit.
pre_existing_conditions
Any loss, condition, or event that was known, foreseeable, intended, or expected at the time of policy purchase is excluded. Pre-existing medical conditions are generally not covered unless a sudden unexpected worsening occurs that constitutes incapacity to travel.
coverage_duration_limit
For the Visitor Insurance incoming product, the maximum trip duration is 90 days. For standard Reiseschutz products with foreign health insurance, the maximum trip duration per trip is 365 days. Annual travel insurance products (Jahresschutz) cover trips up to 62 days each within 12 months.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for hospital visits, surgeries, medical treatments in case of sudden illness or accident during international travel. The Visitor Insurance Simple covers up to EUR 30,000 including dental up to EUR 500. General Reiseschutz products cover up to EUR 1,000,000 depending on the variant selected. Subsidiary coverage applies.
Medical repatriation
Coverage for transport home when medical care locally is insufficient and patient is medically transportable. Air ambulance included if required; arrangement and organization by insurer mandatory. Included in Visitor Insurance and all Reiseschutz products.
Luggage and baggage protection
Coverage for loss, damage, theft or delay of luggage and personal belongings during travel. Not included in the Visitor Insurance Deluxe or basic medical-only variants; this is part of comprehensive Reiseschutz packages only.
Quarantine hotel costs
Additional hotel costs reimbursement if quarantine ordered due to infectious disease contact or exposure. Requires a government or authority quarantine order. Maximum EUR 1,000 per insured person.
Subsidiarity of medical coverage
Medical coverage is subsidiary: insured must first claim from statutory health insurance if applicable. Any payments received from other sources (statutory insurance, health cards) are deducted from the claim. Applies unless insured has no health insurance at all.
Schengen visa requirement compliance
The Visitor Insurance product line is specifically designed to meet all legal requirements for a Schengen entry visa (minimum EUR 30,000 medical coverage). Both Visitor Insurance Deluxe and Simple variants explicitly comply with the Schengen Agreement medical coverage minimums.
24-hour emergency assistance
24/7 emergency assistance hotline reachable at +43 1 525 03 245. Provides multilingual support for medical emergencies, lost documents, payment means, criminal prosecution, and organization of medical repatriation. Available 365 days per year, 24 hours a day.
Austria residence requirement
For standard Reiseschutz policies with a term exceeding 4 months, Austrian residence is required. For the Visitor Insurance incoming product, no Austrian residence is required – it is designed for foreign visitors to Austria and the Schengen area.
Pre-existing medical conditions exclusion
Coverage excludes pre-existing conditions and foreseeable medical situations known at the time of policy purchase. A sudden acute worsening of an existing condition may be covered if it constitutes incapacity to travel, but routine management of chronic conditions is excluded.
Cooling-off / Right to withdraw
The insured may withdraw from the contract within 14 days of receipt of the policy documents without providing a reason. Withdrawal must be in written form (letter or email). If coverage has already been provided, a pro-rata premium applies and the remainder is refunded.