Europäische Reiseversicherung AG
Europäische Reiseversicherung
Europäische Reiseversicherung is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
If contact is made with the insurer's 24-hour emergency hotline for hospitalization, medical transport, repatriation or death abroad, the insurer organizes the necessary measures and pays the required costs directly to the service provider.
Geographic scope
Worldwide, excluding certain high-risk/sanctioned countries
Coverage applies worldwide except Belarus, Iran, North Korea, Russia, Syria, Crimea, and the regions of Donetsk, Zaporizhzhia, Kherson and Luhansk; medical benefits and assistance in case of detention do not apply in the insured person's home country.
Starting price
€299
Indicative — pricing assumptions not stated
Unique selling points
- Medical treatment abroad, including inpatient hospitalization, is covered up to €1,000,000 per trip.
- Search and rescue costs for accidents, mountain or maritime emergencies are covered up to €80,000.
- Includes free telemedicine consultations abroad ('Reisedoc') alongside a 24-hour worldwide emergency assistance hotline.
- Damaged or stolen luggage is reimbursed at new-for-old replacement value rather than depreciated value.
- An optional package extends the maximum covered trip duration from 42 to 84 days per journey.
Coverage limits
Medical expenses abroad
€1,000,000
Inpatient treatment abroad is covered up to €1,000,000 per trip; outpatient treatment, hospital transport and repatriation are reimbursed at 100% of costs without a separately stated cap, subject to an overall €500,000 sublimit for acute flare-ups of pre-existing conditions.
Emergency medical treatment
Covered
Emergency outpatient medical treatment abroad, including prescribed medicines, is reimbursed at 100% of costs.
Hospitalization abroad
€1,000,000
Inpatient hospital treatment abroad including prescribed medicines is covered up to €1,000,000 per trip.
Outpatient treatment
Covered
Outpatient medical treatment abroad is reimbursed at 100% of costs; no separate monetary ceiling is stated beyond the overall pre-existing-condition sublimit of €500,000.
Emergency dental treatment
Covered
Pain-relieving dental treatment, including simple fillings, is covered as part of outpatient treatment abroad; no separate cap is stated.
Transport to hospital / transfer transport
Covered
Transport to the nearest hospital and medically necessary transfer transport are reimbursed at 100% of costs.
Medically necessary repatriation
Covered
Repatriation when medically necessary, including air ambulance jet, is reimbursed at 100% of costs; repatriation after 3 days of hospitalization without medical necessity is also covered (excluding air ambulance jet).
Repatriation of remains / burial abroad
Covered
Repatriation of the deceased in standard form to the home country, or alternatively burial at the place of death (up to the cost of standard repatriation), is reimbursed at 100%.
Search and rescue costs
€80,000
Search and rescue costs in case of accident, mountain or maritime distress are covered up to €80,000.
COVID-19 / epidemic and pandemic illness treatment
Covered
Unexpected acute illness including epidemic or pandemic diseases (such as COVID-19) is covered under the same medical benefits as other unexpected illnesses abroad.
Pre-existing conditions (acute flare-up)
€500,000
A pre-existing illness or injury is covered only if it unexpectedly becomes acute during the trip; total benefits for such cases (medical treatment, transport, repatriation) are capped at €500,000.
Winter sports cover
No limit stated
The sources do not separately address winter sports cover as a distinct benefit.
Extreme/adventure sports cover
Excluded
Events arising from extreme sports are excluded from cover (except trip cancellation); diving is limited to a valid international qualification and max. 40m depth, and mountaineering to a max. altitude of 6,000m.
Pregnancy complications
Conditional
Unexpected serious pregnancy complications and premature births are covered up to the end of the 35th week of pregnancy; costs for the newborn are reimbursed within the sum insured agreed for the mother.
Private travel liability
€500,000
Personal and property damages caused as a private individual are covered up to a lump sum of €500,000, of which damage to rented premises (including inventory) is limited to €25,000.
Assistance in case of detention abroad
€3,000
The insurer helps obtain a lawyer/interpreter and provides an advance for a lawyer up to €3,000, plus a separate advance for bail up to €13,000.
24/7 worldwide assistance & telemedicine
Covered
A 24-hour emergency hotline (+43 1 50 444 00) and worldwide immediate assistance are provided, together with 'Reisedoc' telemedicine consultation abroad.
Key conditions
Assistance call deadline
In case of emergency, contact the 24-hour emergency hotline as soon as possible; for planned inpatient, repeated outpatient treatment, repatriation or death abroad, contact must be made with the hotline beforehand so the insurer can organize and directly settle the necessary measures.
Unauthorized treatment
If the insured pays medical costs themselves and statutory social insurance cover also exists, those costs must first be claimed from the social insurer; failure to do so reduces the insurer's benefit by 20%.
Purchase while abroad
The insurance must be concluded before departure; taking out the policy while already traveling is only permitted with a special prior agreement with the insurer.
Chronic conditions
A chronic or pre-existing illness or accident sequela present before departure is covered if it unexpectedly becomes acute during the trip and is not otherwise excluded, up to the agreed sum insured for pre-existing conditions.
Pregnancy
Premature birth or unexpected serious pregnancy complications are covered up to the end of the 35th week of pregnancy; cover for cancellation due to pregnancy only applies if the policy was concluded within 3 days of booking the trip.
Pre-existing condition exclusions
Acute unexpected worsening of a pre-existing illness or accident sequela is covered, but total benefits for related medical treatment, transport and repatriation are limited to a combined maximum of €500,000.
Coverage duration limit
Base cover applies to the first 42 days of each trip during the insurance year; this can be extended to 84 days per trip with the optional 'Reisedauer' package.
Policy specifics
Trip cancellation
Covers cancellation costs when policyholder must cancel trip due to unexpected illness, accident, or death of insured person or family member
SourceTrip interruption/Reiseabbruch
Covers costs for unused travel services and additional return costs if insured person must cancel/interrupt trip during travel
SourceMaximum trip duration
Basic coverage applies to first 42 days per trip; can be extended to 84 days with optional 'Reisedauer' package
SourceGeographic exclusions
Coverage does not apply to travel to Belarus, Iran, North Korea, Russia, Syria, Crimea, or regions Donetsk, Zaporizhzhia, Kherson, and Luhansk
SourceAnnual contract renewal
Policy runs for one year and automatically renews annually unless cancelled at least one month before year-end
SourceClaim notification
Insured must report any insurance case to insurer as soon as possible after becoming aware of it and provide comprehensive information about the claim
Source