Grazer Wechselseitige Versicherung Aktiengesellschaft
GRAWE
GRAWE is a travel insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
GRAWE issues cost-guarantee commitments to hospitals on request and settles medical treatment costs directly with the hospital, so insured persons generally do not need to pay upfront for guaranteed treatment.
Geographic scope
Worldwide
Worldwide coverage, excluding Iran, North Korea, Venezuela, Syria, Crimea and any country subject to an official Austrian travel warning; the travel medical/accident and personal liability modules apply only outside Austria; second homes (Zweitwohnsitz) are not covered destinations.
Unique selling points
- Free 24/7 phone or video consultation with an Austrian doctor abroad, organized within 30 minutes, available up to four times per insurance year.
- Direct cost-guarantee commitments and direct billing with hospitals abroad, so insured persons typically do not have to pay large medical bills upfront.
- Search and rescue cover including helicopter rescue up to EUR 11,000 per insured person.
- A repeat-trip benefit of up to EUR 3,300 is paid if a trip has to be redone after an emergency repatriation.
- The Family & Friends option insures up to 2 adults and 5 minors travelling together on one policy, regardless of any family relationship between them.
Coverage limits
Medical Expenses Abroad
€250,000 – €500,000
Combined sum insured for outpatient treatment, inpatient treatment and medication costs abroad due to acute illness or accident; up to EUR 250,000 under Travelstar Single or EUR 500,000 under Family & Friends. This is a shared sum insured for the whole Reisekranken-/Reiseunfall module (ABRV point 1.6).
Emergency Medical Treatment Abroad
€250,000 – €500,000
Covers acute illness and accidents abroad including outpatient and inpatient emergency treatment and guarantees of payment issued directly to hospitals; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.
Inpatient Hospital Treatment
€250,000 – €500,000
Inpatient hospital treatment abroad due to acute illness or accident; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.
Outpatient Treatment
€250,000 – €500,000
Outpatient medical treatment abroad due to acute illness or accident; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.
Emergency Dental Treatment
Conditional
Only simple dental fillings needed for immediate pain relief are covered as part of the general medical treatment costs; conservative or prosthetic dental treatment is excluded and no separate limit is stated.
Medical Transport Costs
€250,000 – €500,000
Costs of medically necessary transport to the nearest hospital abroad for inpatient or outpatient treatment and back to accommodation; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends).
Emergency Repatriation / Medical Evacuation
€250,000 – €500,000
Organisation and cost of emergency repatriation from abroad, using an air ambulance jet if medically necessary, when local treatment is insufficient; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends).
Repatriation of Remains / Burial Costs Abroad
€22,000 – €44,000
Costs of repatriating a person who dies abroad during the trip, or burial costs at the place of death; limited to EUR 22,000 per deceased person and EUR 44,000 in total per policy (Family & Friends).
Search, Rescue and Recovery Costs
€11,000
Search, rescue and recovery costs including helicopter rescue, up to EUR 11,000 per insured person, the same limit applies under both Single and Family & Friends.
COVID-19 / Epidemic and Pandemic Illness Treatment
€250,000 – €500,000
Illnesses classified as an epidemic or pandemic, such as COVID-19, are explicitly covered as acute illness abroad under the same medical/accident sum insured (EUR 250,000 Single / EUR 500,000 Family & Friends); quarantine also triggers a separate EUR 1,000 per person hotel-cost benefit.
Pre-existing / Chronic Conditions
€15,000
Pre-existing illnesses that had already occurred or were foreseeable at contract conclusion or travel start are generally excluded; however, treatment costs for a chronic illness that becomes unexpectedly acute after the trip has started are covered up to EUR 15,000, and related emergency/repatriation transport up to EUR 50,000.
Winter Sports Cover
No limit stated
The reviewed sources do not separately address winter sports as a distinct coverage category.
Adventure / Extreme Sports Cover
Excluded
No cover for events occurring during extreme sports, parachuting, paragliding, extreme high-mountain touring without a certified guide, tours above 6,000 metres, non-package high-mountain tours, or whitewater sports, nor for professional sport.
Pregnancy Complications
€250,000 – €500,000
Pregnancy complications, including unexpected premature births, are covered up to and including the 35th week of pregnancy, from the shared medical/accident sum insured (EUR 250,000 Single / EUR 500,000 Family & Friends); pregnancies/deliveries from the 36th week, abortion and contraception-related treatment are excluded.
Personal Liability Insurance While Travelling
€440,000
Lump-sum liability cover for personal injury and property damage claims arising from an event during the insurance period while travelling abroad, up to EUR 440,000; this flat limit applies under both Single and Family & Friends.
Legal Assistance Abroad
€5,500
Costs of legal assistance abroad in emergencies (e.g. criminal prosecution measures) are covered up to EUR 5,500, the same limit for both Single and Family & Friends.
24/7 Emergency Assistance Hotline
Covered
Round-the-clock emergency call centre (+43 316 81 39 00) staffed with emergency specialists, providing assistance in case of illness/accident, death, loss of travel documents or payment means, and prosecution measures; must be contacted immediately when an insured event occurs.
Key conditions
Assistance call deadline
The 24-hour emergency call center must be contacted immediately when an insured event occurs; in non-urgent cases notification by email is also possible.
Unauthorized treatment
If the insured person paid for treatment themselves despite having social insurance coverage, they must first claim reimbursement from the social insurer; failure to do so reduces the insurer's benefit by 20%.
Purchase while abroad
Cover only applies to trips that begin after the insurance contract has been concluded; a policy cannot be taken out once travel has already started.
Chronic conditions
Chronic illnesses are only covered if they become unexpectedly acute after the trip has started, with treatment costs capped at EUR 15,000 and emergency/repatriation transport capped at EUR 50,000.
Pregnancy
Pregnancy complications, including unexpected premature births, are covered up to the end of the 35th week of pregnancy; pregnancies and deliveries from the 36th week onward, terminations, and contraception-related treatment are excluded.
Pre-existing condition exclusions
There is no cover for illnesses, ailments or planned operations that had already occurred or were foreseeable at the time the contract was concluded or the trip started.
Coverage duration limit
If the agreed contract duration exceeds one year, cover applies only to the first 45 days of each individual trip.
Where to buy
Policy specifics
Travel Cancellation and Trip Interruption
Optional coverage for cancellation before trip start and interruption during trip due to illness, accident, or other insured events
SourceMedical Emergency Coverage Abroad
Coverage for acute illness or injury abroad including outpatient and inpatient treatment, medical transport, repatriation when medically necessary, and prescribed medications
SourceBaggage and Luggage Protection
Coverage for loss, theft, or damage to baggage and luggage during travel; also covers costs for essential replacements if baggage is delayed
SourceTravel Accident Coverage
Accident protection during travel including medical treatment costs, transport to nearest hospital, and repatriation when medically necessary
SourceTravel Delay and Disruption Protection
Coverage for additional costs incurred due to travel delays, including extra accommodation and transportation costs when arrival is delayed
Source24/7 Emergency Assistance Services
Round-the-clock emergency assistance including support with authorities, organization of replacement documents, interpreter services, and legal aid
SourceGeographic Coverage Exclusions
Certain countries and regions are excluded from coverage: Iran, North Korea, Venezuela, Syria, and Crimea
SourceInsured Persons Structure
Product available in two variants: 'Travelstar Single' (single insured person) and 'Travelstar Family & Friends' (up to 2 adults and 5 minors)
SourceCancellation Coverage Waiting Period
If cancellation coverage is included, minimum 31-day advance purchase before travel start is required; first 10 days constitute a waiting period during which claims cannot be filed
SourcePolicy Duration Options
Coverage available as both single-trip policy (for one specific journey) and annual policy (Jahrespolice) for frequent travelers making multiple trips within one year
Source