Travel insurance
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| Feature / category | Allianz May 13, 2026 Open details | Generali May 13, 2026 Open details | GRAWE TRAVELSTAR May 13, 2026 Open details | Merkur / HanseMerkur May 13, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Allianz Elementar Versicherungs-Aktiengesellschaft | Generali Versicherung AG | Grazer Wechselseitige Versicherung AG | HanseMerkur Reiseversicherung AG |
Online purchase | Yes | No | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | €20 | €9 | — | €89 |
Billing basis | per_trip | monthly | per_trip | annual |
Unique selling points |
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| Not available |
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IPID | IPID | IPID | Not available | Not available |
Terms & conditions | Not available | Not available | ||
| Coverage | ||||
Medical expenses | €30,000 | €1,000,000 | Covered | unlimited |
Medical transport | Covered | Covered | Covered | Covered |
COVID-19 treatment | Covered | €1,000,000 | Covered | unlimited |
Personal liability | Covered | €500,000 | Covered | €1,000,000 |
Emergency dental | €500 | Covered | Only costs for emergency dental fillings in simple form that are necessary for immediate pain relief are covered. Conservative or prosthetic dental treatment and treatments not serving immediate pain relief are explicitly excluded. | Covered |
Search & rescue | €80,000 | €80,000 | €11,000 | €80,000 |
Legal assistance | Covered | Covered | €5,500 | Assistance with criminal prosecution matters is included under the worldwide 24h Reise-Assistance service. Help with loss of travel documents and payment means is also included. |
Emergency medical treatment | €30,000 | €1,000,000 | Covered | unlimited |
Hospitalization | Covered | €1,000,000 | Covered | unlimited |
Outpatient treatment | Covered | Covered | Covered | Covered |
Medical evacuation | Covered | Covered | Covered | Covered |
Repatriation of remains | Covered | Covered | €22,000 | Covered |
Pre existing conditions | Excluded | If a pre-existing condition unexpectedly becomes acutely life-threatening abroad, the maximum benefit is EUR 500,000. Coverage is conditional on the acute onset being unforeseeable; known or foreseeable conditions at the time of policy purchase or trip departure are excluded. | Coverage for chronic conditions is only provided if they become unexpectedly acute after trip departure. Medical treatment costs for such cases are capped at EUR 15,000; medical transport/repatriation for chronic conditions is capped at EUR 50,000. Conditions that were already present, foreseeable, or expected at the time of contract conclusion or trip departure are excluded. | The Premium variant is specifically recommended for persons with chronic illnesses. If an existing condition acutely worsens during travel, the Premium tariff covers the resulting costs. Acute deterioration of a pre-existing condition is a covered event in the Premium tariff for travel interruption. |
Winter sports cover | Optional | Covered | Covered | Covered |
Adventure sports cover | Excluded | Diving is covered only with a valid certification and up to 40 m depth. Mountain climbing is covered up to 6,000 m altitude. Paragliding and skydiving are covered as passengers. Travel to uncharted or unexplored regions, professional sports, motorsport, and participation in national/international sports competitions are excluded. | Excluded | The travel medical and accident insurance cover injuries from active/adventure sports during travel. The policy is specifically recommended for active holidays with higher accident risk. Specific exclusions for extreme sports are governed by the AVB VB-RKS 2025 (JRV-A). |
Pregnancy complications | 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. | Pregnancy and pregnancy complications are listed as covered reasons for trip cancellation/interruption. For cancellation/interruption cover, pregnancy onset is only covered if the insurance was purchased within 3 days of booking the trip. | Pregnancy complications including unexpected premature births are covered up to and including the 35th week of pregnancy. Pregnancies and deliveries from the 36th week onwards, terminations of pregnancy, and treatments due to contraceptive measures are excluded. Coverage for the prematurely born child is included within the insured mother's coverage sum. | Costs for medically necessary treatment of pregnancy complications abroad are covered under general medical expenses. Costs for necessary medical treatment of a newborn child born abroad are also covered. |
| 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. | As soon as possible after becoming aware of the insured event, the insured person must contact the insurer's 24-hour emergency number (+43 1 20 444 00) before inpatient, day-clinic, or repeated outpatient treatment, repatriation transport, transfer of deceased, or burial at the place of event, in order to receive the insurer's instructions. | unverzüglich (immediately/without delay); damages must be reported immediately by phone to the 24-hour emergency hotline (+43 316 813900) of Grazer Wechselseitige Versicherung AG as per the official IPID product sheet (ABRV 2025). | There is no explicit deadline stated in the sources for when to call the assistance hotline. However, it is strongly recommended to contact the 24h emergency line (+43 1 315-2444) before seeking treatment abroad to coordinate care and ensure direct payment. In the Premium tariff, 100% is paid immediately without requiring prior health insurance submission. |
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. | The product is designed to be purchased before travel departure. For trip cancellation cover, insurance must be purchased within 3 days of booking. If purchased later, cancellation cover only applies to events occurring from the 10th day after policy purchase (except accidents, death, or natural disasters). | Not available | If the contract is concluded after the start of a trip, insurance cover applies only for subsequent trips, not the current trip. For travel medical insurance, cover begins at the border crossing out of Austria (or the country of residence). The contract can be concluded at any time before departure. |
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. | Known or foreseeable conditions at the time of policy purchase or trip departure are not covered. If a pre-existing condition unexpectedly becomes acutely life-threatening abroad, the maximum benefit is EUR 500,000. | Not available | The Premium tariff is specifically recommended for persons with chronic illnesses. Acute deterioration of a pre-existing or chronic condition during travel is a covered insured event in the Premium tariff (for both medical costs and travel interruption). |
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. | Pregnancy and pregnancy complications are covered as cancellation/interruption reasons. Onset of pregnancy as a cancellation reason is only covered if the insurance was purchased within 3 days of booking. Pregnancy complications abroad fall under the travel health insurance (outpatient 100%, inpatient up to EUR 1,000,000). | Not available | Medically necessary treatment of pregnancy complications abroad is covered under general medical expenses. Costs for necessary medical treatment of a newborn child born abroad during the trip are also covered under the travel health insurance. |
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. | If the insured person has social insurance and does not assert those claims, a 20% co-payment applies to treatment costs and hospital/transfer transport. Failure to notify the insurer's emergency line before inpatient treatment or transport may result in reduced or denied benefits. | Not available | In the Sorglos tariff, a 20% deductible applies to outpatient treatment costs if the claim is not first submitted to the statutory or private health insurer, or if those insurers do not pay. In the Premium tariff (Reiseschutz Premium), 100% is paid immediately with no deductible and no prior health fund submission required. |
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. | Pre-existing conditions that are known or foreseeable at policy purchase or trip departure are excluded. If a pre-existing condition unexpectedly becomes acutely life-threatening while abroad, costs are covered up to a maximum of EUR 500,000. | Not available | Acute worsening of a pre-existing condition is a covered event in the Premium tariff. In general, medical treatment costs for acute illness onset or worsening abroad are covered. Specific exclusions for known, expected conditions may apply per AVB VB-RKS 2025 (JRV-A). |
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. | The standard maximum insured trip duration is 42 days per trip for annual products, extendable to 84 days with an optional add-on. Single-trip products (KomplettSchutz, Urlaubsschutz) cover trips up to 31 days. Coverage ends upon return from the trip or upon reaching the maximum insured duration. | Not available | Maximum trip duration per individual trip is 62 days. The annual policy covers unlimited trips within 365 days (from contract start date, not calendar year). If a trip extends beyond 62 days, coverage obligations only apply for the first 62 days of that trip. If the insurance year ends during a trip, cover continues only if the contract is not cancelled. |
| Proof and next steps | ||||
Direct payment policy | 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. | The insurer organizes and covers medically necessary repatriation transport (including ambulance jet) at 100%. For inpatient treatment abroad, costs are covered up to EUR 1,000,000. The insured person must contact the 24-hour emergency number as soon as possible before inpatient, day-clinic, or repeated outpatient treatment, repatriation, transfer of deceased, or burial at the place of event. Failure to notify may result in reduced coverage. | The insurer provides cost guarantees directly to hospitals on request and settles hospital bills directly. For emergency medical transport and repatriation, the 24-hour emergency centre organises and settles costs directly. Insured persons who pay costs themselves must first submit claims to social insurance; failure to do so reduces insurer reimbursement by 20%. | In the Premium tariff, HanseMerkur pays 100% of treatment costs directly without requiring prior reimbursement from the statutory health insurance fund; no deductible applies. In the Sorglos tariff, a 20% deductible applies if costs are not first submitted to the statutory/private health insurer. |
Last verified | May 13, 2026 | May 13, 2026 | May 13, 2026 | May 13, 2026 |