UNIQA Travel insurance (Reiseversicherung Rundumschutz)
Underwritten by UNIQA Österreich Versicherungen AG · Austria
travel insurance from UNIQA for the Austria market, with online purchase and 24/7 assistance.
Verified Aug 25, 2026 · Terms dated 2017Sources
Key facts
- Medical transport up to €1,950
Unique selling points
24/7 UNIQA SOS-Service hotline coordinates hospital admission, rescue and repatriation and settles hospital costs directly with the provider.
Mountain and water rescue, including rescue helicopter, is included up to EUR 7,700 per person.
A single bundle combines medical, luggage, liability, accident and additional travel-cost cover so travellers do not need to buy separate policies.
Cover ends automatically with the last day of the trip, so customers do not need to actively cancel the policy.
Family policies extend the same EUR 250,000 medical sum insured to each family member, with a doubled luggage sum of EUR 4,400.
Coverage limits
Medical expenses abroad
€250K
Overall sum insured of EUR 250,000 per person for medical treatment costs abroad due to illness or accident, covering hospital treatment, medically necessary transport to the nearest hospital, and ambulatory treatment/medication (subject to a EUR 70 deductible).
Urgent medically necessary treatment
€250K
Urgent, medically necessary treatment for sudden illness or accident abroad is covered up to the overall sum insured of EUR 250,000 per person.
Hospital / inpatient treatment
€250K
Inpatient hospital treatment abroad is fully covered within the overall sum insured of EUR 250,000 per person, with no deductible.
Outpatient treatment
€250K
Outpatient treatment (doctor's fees, medication) is covered within the EUR 250,000 sum insured, less a EUR 70 deductible per person and stay abroad.
Emergency dental treatment
Conditional
Only first-aid dental treatment for immediate pain relief is covered; dental treatment beyond first aid and dentures are excluded.
Emergency transport back to Austria
€2K
Emergency transport back to Austria, including Ambulance-Jet if necessary, is covered at full cost when organized via UNIQA SOS-Service; if not organized through UNIQA, reimbursement is capped at EUR 1,950.
Medical evacuation / repatriation transport
€2K
Medically necessary repatriation to an Austrian hospital or permanent residence is covered at full cost if organized by UNIQA SOS-Service (requires life-threatening condition, inadequate local treatment standard, or expected hospital stay >5 days); otherwise capped at EUR 1,950.
Repatriation of mortal remains
€2K
Repatriation of a deceased insured person to Austria is covered at full cost if organized via UNIQA SOS-Service, otherwise capped at EUR 1,950; burial at the place of death is covered up to EUR 1,950.
Search, rescue and recovery
€7.7K
Rescue costs in case of accident, mountain or water emergency, including rescue helicopter, are covered up to EUR 7,700 per person.
Pre-existing / chronic conditions
Conditional
Treatment of chronic illnesses is excluded, except as the consequence of an acute attack or flare-up; treatment that had already begun before the start of cover is also excluded.
Winter sports cover
No limit stated
No separate winter sports module; skiing accidents are covered like other accidents, except high-altitude mountain tours above 6,000 m, which are excluded.
Section: B. Auslandsreise-Krankenversicherung > 2. Was steht ... nicht unter Versicherungsschutz? > 2.11
Heilbehandlungen von Krankheiten und Unfallfolgen, die infolge der Teilnahme an Hochgebirgstouren auf Bergen mit einer Höhe von über 6.000 m entstehen.
Adventure sports cover
No limit stated
No separate adventure sports module; accident cover excludes unguided climbing/mountaineering and competitive or extreme sports.
Section: E. Unfallversicherung > 2. In welchen Fällen zahlen wir nicht?
Bei Klettertouren oder sonstigen Bergbesteigungen, die ohne geprüften Führer unternommen werden.
Pregnancy complications
Conditional
Pregnancy examinations and deliveries are excluded, except premature deliveries occurring at least 2 months before the natural due date.
Travel personal liability
€500K
Covers the satisfaction of justified, or defense against unjustified, claims for personal injury and property damage caused by the insured person while travelling, up to EUR 500,000.
Legal assistance
No limit stated
Not included in the Rundumschutz bundle.
Section: Was ist versichert?
✓ Reise-Haftpflichtversicherung für Personen- und Sachschäden ✓ Reise-Unfallversicherung für schwere Unfallfolgen ab 50 % Dauerinvalidität pro Person
Key conditions
Assistance call deadline
In case of hospitalization abroad, emergency transport to Austria, or repatriation of a deceased person, the UNIQA 24-hour SOS-Service (+43 (0)50677-670) must be contacted without delay so that costs can be advanced and measures organized.
Unauthorized treatment
If repatriation transport or the transfer/repatriation of a deceased person is not requested through and organized by UNIQA SOS-Service, reimbursement is limited to a maximum of EUR 1,950 instead of full cost coverage.
Purchase while abroad
The insurance must be concluded before the trip begins; it is not possible to purchase or extend cover after the trip has started.
Chronic conditions
Treatment of chronic illnesses is excluded from the medical cover, except when treatment is required as the consequence of an acute attack or flare-up.
Pregnancy
Pregnancy check-ups and deliveries are excluded, except for premature births occurring at least two months before the calculated due date.
Pre-existing condition exclusions
Medical treatment that had already begun before the start of the insurance cover is excluded from benefits.
Coverage duration limit
Medical cover starts when the insured person leaves Austria and ends upon re-entry to Austria, but never longer than the chosen insurance duration; other benefit lines run from the stated trip start to trip end within that duration.
Direct payment
For inpatient hospital treatment, rescue and repatriation organized through UNIQA SOS-Service, costs are paid directly to the provider. For outpatient treatment and medication, the insured person must pay costs upfront and submit them for reimbursement afterwards (within 3 months of trip end).
Territorial scope
The overall travel insurance bundle applies worldwide. The Auslandsreise-Krankenversicherung (medical) component applies worldwide outside Austria only.
Documents
Reiseversicherung-Rundumschutz - Product Information Document (opens in a new tab)
Product information sheet · PDF
Rundumschutz - Sums Insured and Benefits Overview (opens in a new tab)
Table of benefits · PDF
General Terms and Conditions for the Rundumschutz Travel Insurance (online 2017) (opens in a new tab)
Terms & conditions · PDF
Travel Insurance Guide Folder (general product overview) (opens in a new tab)
Other document · PDF
Policy specifics
Medical emergency coverage worldwide
Covers medical treatment costs abroad for sudden illness or accidents outside Austria, with worldwide scope except Austria itself
SourceRescue and recovery operations
Full cost coverage for rescue operations in case of accident, mountain or water emergencies, including helicopter rescue when necessary
SourceRepatriation and emergency transport
Emergency transport to Austria if medically necessary, including Ambulance-Jet transport when required; also covers deceased repatriation
SourceCost participation / deductible
EUR 70 per person and stay abroad for outpatient treatment and medication (no deductible for hospital treatment or emergency transport)
SourcePage 2Section: AUSLANDSREISEKRANKENVERSICHERUNG
ambulante Heilbehandlungen (Arzthonorare, Medikamente) abzüglich 70 Euro Selbstbehalt
Travel luggage protection
Coverage for loss, theft, robbery or damage to travel luggage during transport and abroad
SourceTravel accident insurance
Coverage for severe accident consequences from 50% permanent disability, up to EUR 40,000 per person
SourceTravel liability protection
Covers fulfillment of legitimate or defense against illegitimate compensation claims for personal injury, property damage or derived financial loss caused by insured person
SourceAdditional travel costs insurance
Covers additional travel costs if primary transport is delayed or missed due to circumstances during the journey
SourceTrip cancellation protection
Optional additional coverage: covers cancellation costs if trip cannot be undertaken due to unforeseen reasons; minimum 28-day notice period required for solo cancellation insurance
SourceSection: Reiseversicherung > Reisestorno-Versicherung
Wir übernehmen die Kosten, wenn Sie Ihre Reise aus unvorhersehbaren Gründen nicht antreten können.
SOS Service mandatory coordination for full coverage
For hospital treatment, rescue operations and repatriation to receive full cost coverage, must be coordinated through UNIQA SOS-Service; emergency contact number +43 (0) 50677-670
SourceDirect payment for hospital; reimbursement for outpatient care
For hospital treatment: UNIQA SOS-Service pays costs directly to provider. For outpatient treatment: insured must pay costs first, then submit for reimbursement
SourceMedical coverage begins on exit from Austria
For medical insurance component: coverage begins upon departure from Austria and ends upon re-entry to Austria, regardless of declared trip duration up to maximum policy term
Source14-day statutory withdrawal right
Can withdraw from contract without reason within 14 days; no withdrawal right if policy term is less than one month
SourcePremium payment deadline
Not established from the insurer's documents
First premium including fees and insurance tax must be paid within 14 days of contract conclusion (policy receipt or separate acceptance notice)
SourceThird-party source, not the insurer's documentNo coverage for professional/work travel
Exclusion applies to damage occurring during professional business travel or military service
SourceNo coverage for planned medical treatment
Insurance does not apply to scheduled medical procedures, preventive medical consultations, or planned surgery; only covers acute sudden conditions
SourceAlcohol and substance abuse exclusion
No coverage for medical treatment arising from excessive alcohol consumption or abuse of medications/narcotics
SourceSources
- durchblicker.athttps://durchblicker.at/downloads/reiseversicherung/uniqa/AVB_Optimal_inkl_Kranken_Storno.pdf(opens in a new tab)
- uniqa.athttps://www.uniqa.at/direktvtreise/cms/files/reisebuendel/578_13_PDF_Flugblatt_Reiseversicherung.pdf(opens in a new tab)
- uniqa.athttps://www.uniqa.at/direktvtreise/cms/files/reisebuendel/Reise_IT_8-4_bed.pdf#page=11(opens in a new tab)
- uniqa.athttps://www.uniqa.at/direktvtreise/cms/files/reisebuendel/Reise_IT_8-4_bed.pdf#page=9(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/reise/Leistungsuebersicht_Reise_Rundumschutz.pdf#page=2(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/reise/Produktinfoblatt-Reiseversicherung-Ausland-Optimal.pdf(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/reise/Produktinfoblatt_Reise-All-online.pdf#page=1(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/reise/reiseversicherung(opens in a new tab)
- uniqa.athttps://www.uniqa.at/versicherung/uniqa2018/reise/Produktinfoblatt-Reiseversicherung-Ausland-Optimal.pdf(opens in a new tab)
UNIQA Travel insurance