AWP P&C S.A., Austria Branch (trading as Allianz Travel / Allianz Assistance)
Allianz Assistance
Allianz Assistance is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
Not specified in the reviewed sources for this product.
Geographic scope
Europe, or worldwide (with or without USA/Canada), depending on the selected geographic option
Coverage applies only outside Austria (the policyholder's home country); 'Europe' includes Mediterranean countries, Madeira, Canary Islands, Azores and the Russian Federation; 'worldwide' options exclude or include the USA and Canada depending on the option chosen.
Unique selling points
- Three-tier medical travel insurance line (BASIC, CLASSIC, ALL RISK MED) with medical expenses cover ranging from €300,000 up to €1,000,000.
- ALL RISK MED tier covers treatment costs for pre-existing physical and psychological conditions up to €500,000, unusual for standard travel medical products.
- Worldwide 24/7 emergency hotline backed by a global network of doctors, hospitals and ambulance companies.
- Access to telemedicine consultations via the Allyz platform for policyholders during their trip.
- Medically necessary repatriation and ambulance-jet transport reimbursed at 100% of cost across all three tiers.
Coverage limits
Medical treatment expenses abroad
€300,000 – €1,000,000
Covers inpatient and outpatient medical treatment abroad including transport to hospital. BASIC: up to €300,000 (separate outpatient sub-limit line listed but exact figure not retrievable from the excerpt); CLASSIC: up to €500,000 (unexpected acute chronic illness sub-limit €50,000); ALL RISK MED: up to €1,000,000.
Emergency medical treatment
€300,000 – €1,000,000
Same benefit line as medical treatment expenses: BASIC up to €300,000, CLASSIC up to €500,000, ALL RISK MED up to €1,000,000 for stationary/ambulatory treatment including transport to hospital.
Inpatient hospital treatment
€300,000 – €1,000,000
Stationäre Behandlung (inpatient treatment): BASIC up to €300,000, CLASSIC up to €500,000, ALL RISK MED up to €1,000,000, as part of the combined inpatient/outpatient treatment limit.
Outpatient treatment
€300,000 – €1,000,000
Ambulante Behandlung is listed as its own row in BASIC (exact sub-limit not retrievable from the excerpt) and is combined with inpatient treatment in CLASSIC (€500,000) and ALL RISK MED (€1,000,000).
Emergency dental
Covered
Emergency (pain-relief) dental treatment abroad is reimbursed as part of the general 'Krankenversicherung im Ausland bei Unfall und Krankheit' (medical treatment abroad) benefit, which is capped at €320,000 per year for Top Jahresreiseschutz and €1,000,000 per year for Top Jahresreiseschutz PLUS. No separate stand-alone dental sub-limit is stated in the official coverage overview.
Medical transport (ambulance jet / repatriation)
Covered
Ambulanzjet or medically necessary repatriation, or after 3 days of hospitalization, reimbursed at 100% of cost in all three tiers (BASIC, CLASSIC, ALL RISK MED); CLASSIC/ALL RISK MED apply a 100% rate also to unexpected acute chronic-illness cases up to €50,000.
Medical evacuation
Covered
Covered under the same Ambulanzjet/Heimtransport benefit line as medical_transport, reimbursed at 100% of cost in all three tiers.
Repatriation Of Remains
unlimited
Überführung im Todesfall: if the insured person dies during a trip, the Assistance-Zentrale covers the full costs ('volle Kosten') of repatriating the mortal remains to the permanent residence in Austria.
Search & rescue
€11,000
Such- und Bergungskosten im Ausland (search and rescue costs abroad, including helicopter rescue) are covered up to €11,000 per insured event.
COVID-19 treatment
Conditional
A sudden, unexpected serious illness of the insured person that is officially classified as an epidemic or pandemic disease (e.g. Covid-19) is explicitly named as a covered illness event triggering medical assistance/repatriation and trip-cancellation benefits. However, general circumstances arising from an epidemic or pandemic (e.g. travel restrictions, not personal illness) are separately excluded from certain benefits such as trip interruption (Reiseabbruch) under the policy's exclusion clauses.
Pre-existing / chronic conditions
€30,000 – €500,000
BASIC covers unexpected acute flare-ups of chronic illness up to €30,000; CLASSIC up to €50,000; ALL RISK MED additionally provides an 'All Risk Med-Schutz' covering treatment costs for pre-existing physical and psychological conditions up to €500,000. Conditions known at the time of taking out the policy are otherwise excluded.
Winter Sports Cover
Conditional
No specific stand-alone winter-sports benefit or limit is stated for this product in the official documents reviewed. Ordinary recreational winter sports (e.g. skiing/snowboarding on marked pistes) fall under the general accident and medical-assistance benefits (including the €11,000 search-and-rescue limit and the general medical treatment sum insured), while participation in Extremsportarten (extreme/high-risk sports) is excluded per the general exclusions referenced in the policy's FAQ.
Adventure Sports Cover
Excluded
The insurer's official FAQ states that common exclusions from the travel insurance contract include risky activities such as extreme sports (Extremsportarten), acts of war, or terrorism ('Zu den üblichen Ausschlüssen gehören risikoreiche Aktivitäten wie Extremsportarten, Kriegshandlungen oder Terrorismus'). Detailed lists of general and specific exclusions are set out in the Allgemeine Versicherungsbedingungen (AVB).
Pregnancy Complications
Conditional
Pregnancy of the insured person is listed as a covered ground for trip cancellation/interruption, but only if the pregnancy was medically established and confirmed after the insurance was taken out and the trip was booked ('Schwangerschaften der versicherten Personen, wenn die Schwangerschaft nach Versicherungsabschluss und Reisebuchung ärztlich festgestellt und bestätigt wurde'). Pregnancies known at the time of booking are not covered under this ground.
Personal liability
No limit stated
Not found as a benefit line in the retrieved excerpts of the BASIC, CLASSIC or ALL RISK MED benefit tables.
Legal assistance
No limit stated
Not found as a benefit line in the retrieved excerpts of the BASIC, CLASSIC or ALL RISK MED benefit tables.
24/7 emergency assistance hotline
Covered
Worldwide emergency hotline available 24 hours a day, 365 days a year for illness, accident, legal prosecution, or loss of travel documents/means of payment, backed by a worldwide network of doctors, hospitals and ambulance companies. Austria contact: +43 1 525 03 245. Included in all three tiers.
Key conditions
Assistance call deadline
The emergency call center should be notified before or promptly during treatment; if the insurer was not notified and treatment costs exceed €300, the insurer reserves the right to make a deduction depending on the amount claimed (per the CLASSIC 1804 AVB).
Unauthorized treatment
If the service center is not informed and the costs claimed exceed €300, the insurer may apply a deduction depending on the amount of the costs claimed.
Purchase while abroad
Not specified in the reviewed sources for this product.
Chronic conditions
Unexpected acute flare-ups of chronic illness are covered up to a sub-limit: €30,000 under BASIC, €50,000 under CLASSIC; ALL RISK MED additionally covers pre-existing physical and psychological conditions up to €500,000 under its 'All Risk Med-Schutz'.
Pregnancy
Not specified in the reviewed sources for this product.
Pre-existing condition exclusions
Medical conditions or injuries known before the start of the insurance period are generally excluded, except for the chronic-illness sub-limits (BASIC €30,000 / CLASSIC €50,000) and the ALL RISK MED pre-existing-conditions benefit up to €500,000.
Coverage duration limit
Maximum insurable trip duration is 365 days per trip for single-trip policies (per official product page).
Where to buy
Documents
AVB and benefit table - Reiseschutz BASIC 1804
Terms & conditions
AVB and benefit table - Reiseschutz CLASSIC 1804
Terms & conditions
AVB and benefit table - Reiseschutz ALL RISK MED 1804
Terms & conditions
IPID - Reiseschutz CLASSIC
IPID
IPID - Reiseschutz ALL RISK MED
IPID
AVB - Jahresschutz (annual multi-trip variant, 2019) - related but distinct product, not used for coverage figures in this record
Other document
Policy specifics
Medical repatriation
Organization and coverage of medical transport back to home country, including ambulance jet transport and helicopter evacuation in alpine areas
SourceMedical treatment expenses
Coverage of ambulatory and stationary acute medical treatments, medications, and medical services including private hospital care
Source24-hour assistance services
Round-the-clock emergency hotline with medical advice, doctor and hospital navigation, medical translation, and organization of emergency support
SourceTelemedicine consultation
Video or telephone consultation with doctors to discuss medical concerns and receive medical advice during travel
SourceGeographical coverage areas
Multiple coverage options: Europe, worldwide excluding USA/Canada, or worldwide including USA/Canada
SourcePre-existing conditions
Medical conditions or injuries known before the start of insurance coverage are typically excluded
SourceWar and conflict exclusion
Damages resulting directly or indirectly from war, civil war, or war-like events are excluded
SourceProduct tiers: Basic, Classic, Premium
Three coverage levels available for travel medical insurance, with Basic providing essential coverage, Classic offering enhanced benefits, and Premium providing maximum coverage
SourceRight of withdrawal expiry backstop
The policy's own terms state that the right of withdrawal lapses at the latest one month after the policyholder has received the insurance policy document including the notice on the right of withdrawal.
SourceSources
- https://www.allianz-assistance.at/
- https://www.allianz-assistance.at/reisetipps/assistance.html
- https://www.allianz-assistance.at/reiseversicherung/auslandskrankenversicherung-und-reisestornoversicherung.html
- https://www.allianz-assistance.at/reiseversicherung/auslandskrankenversicherung.html
- https://www.allianz-assistance.at/service/faq.html
- https://www.allianz.at/content/dam/onemarketing/cee/azat/asv/neu/Deckungsumfang-Top-Jahresreiseschutz-und-Top-Jahresreiseschutz-plus.pdf
- https://www.allianz.at/content/dam/onemarketing/cee/azat/pdf/BesBed_5944_Besondere_Bedingungen_Top-Jahresreiseschutz.pdf
- https://www.allianz.at/content/dam/onemarketing/cee/azat/pdf/BesBed_9995_Top_Jahresreiseschutz_Plus.pdf