GRAWE TRAVELSTAR

Medical treatment expenses (acute illness and accident)

Covered

Covers costs for initial and pain-relieving treatment abroad including doctors, hospitalisation, transport, and prescribed medications for acute illnesses (including epidemic/pandemic diseases such as COVID-19) and accidents. For chronic conditions, coverage only applies if they become unexpectedly acute after trip departure and is capped at EUR 15,000. The insurer provides cost guarantees directly to hospitals on request.

Emergency medical treatment abroad

Covered

Emergency medical treatment for acute illnesses and accidents abroad is included as part of the travel medical and accident coverage (Reisekranken- und Reiseunfallversicherung). Includes ambulatory and in-patient treatment, medications, and prescribed medical aids. Sub-limit of EUR 15,000 applies to chronic conditions that become unexpectedly acute.

Hospitalisation costs

Covered

In-patient hospital stays resulting from acute illness or accident abroad are covered within the medical treatment cost coverage. Premium ward surcharges and special services (telephone, TV) are excluded. Quarantine-related additional hotel costs are covered up to EUR 1,000 per insured person.

Outpatient (ambulatory) treatment

Covered

Outpatient treatment for acute illnesses and accidents abroad is included within medical treatment cost coverage, including physician consultations and prescribed medications. The 24-hour emergency centre can inform about outpatient care options on request.

Medical transport to nearest hospital

Covered

Covers the cost of a single medically necessary transport to the nearest hospital abroad for in-patient or out-patient treatment and return transport to accommodation.

Medical evacuation / emergency repatriation

Covered

Covers emergency repatriation to Austria when medically necessary, including by air ambulance if required. Organisation and execution is handled by the insurer. A non-medical repatriation is available when in-patient stay exceeds 3 days and travel fitness is confirmed, provided no air ambulance is needed. For chronic conditions becoming unexpectedly acute, transport costs are capped at EUR 50,000.

Repatriation of remains or burial abroad

Covered

Covers costs for repatriation of a deceased insured person who dies abroad, or costs of local burial. Indemnity is capped at EUR 22,000 per deceased person and EUR 44,000 total. Organisation is provided by the 24-hour emergency centre.

Search, rescue and recovery costs (incl. helicopter)

Covered

Covers search, rescue, and recovery costs including helicopter rescue up to EUR 11,000 per insured person.

COVID-19 and epidemic/pandemic illness treatment

Covered

Acute illnesses classified as epidemic or pandemic (such as COVID-19) are explicitly covered as insured events under the travel medical coverage. Trip cancellation and interruption due to COVID-19 illness or officially ordered quarantine are also covered under the optional storno module. Travel advisory exclusion applies: events directly caused by epidemic/pandemic travel advisories are excluded.

Winter sports coverage

Covered

Standard recreational winter sports (e.g. skiing, snowboarding) are not listed as excluded activities and are therefore covered under the travel medical and accident coverage. Extreme mountain tours above 6,000 metres without a certified guide and extreme sports are excluded. Regular winter sports at ordinary ski resorts are covered.

Personal liability (travel private liability)

Covered

Covers private liability claims arising during a trip for personal injury, property damage, and resulting financial losses under private law. Includes defence costs. Valid only outside Austria. Excludes motorised vehicles, professional/commercial activities, claims among co-insured persons, and deliberate acts.

Legal assistance and interpreter costs abroad

Covered

In emergency situations during travel (illness, accident, death, loss of documents, criminal proceedings), the 24-hour emergency centre assists with obtaining a lawyer and interpreter. Interpreter costs are covered up to EUR 2,200 and legal counsel costs up to EUR 5,500 per policy.

24/7 worldwide emergency assistance

Covered

A 24-hour emergency centre is available worldwide at +43 (0)316 813900. Services include: information on outpatient care, coordination during hospitalisation between doctors, on-request phone/video consultation with an Austrian doctor within 30 minutes (Mon-Fri 08:00-20:00 CET, max 4 times per policy year), assistance with repatriation of remains or burial abroad, support with lost travel documents and payment means, and assistance obtaining lawyers and interpreters.