Here you will find the legally standardized Insurance Product Information Document (IPID) as stand alone document as well as the Complete information document (including the IPID, coverage description with terms and conditions and information regarding data usage, right of withdrawal and complaints procedure).
Dietmar P. books a trip to the USA. He takes out a CompleteCover policy when he makes the booking.
In the very first week of his holiday, Mr P. falls and breaks his leg above the knee. He is immediately taken to the nearest hospital, where he is given emergency medical treatment including an emergency operation. He is flown back to Austria by ambulance jet.
The entire costs of Euro 125,000, consisting of hospital costs (Euro 63,100) and the costs in regard to the ambulance jet (Euro 61,900), are paid for by Europäische Reiseversicherung.
CompleteCover can also be taken out for business trips. Please note however that CompleteCover does not provide any cover for business luggage and manual activities that have to be carried out during the trip for professional reasons.
If you are looking for a product that offers cover in this situation also, we recommend our annual product Annual-Complete+Cover extended with the additional package "Business luggage & manual activity".
If you unexpectedly become ill during an insured trip, we reimburse the treatment costs (even if the originally planned end of your trip is already past) until such time as we can transport you back to Austria, for a maximum of 90 days following the occurrence of the insured event.
If you take out CompleteCover via our Internet site, your insurance policy and the complete information will be displayed for download immediately by way of confirmation. You will also receive your policy by email within the following few minutes.
With CompleteCover you can choose between “Europe” and “worldwide” as the area of validity.
The “Europe“ area of validity includes Europe in the geographical sense, all states and islands bordering on the Mediterranean, Jordan, Madeira, the Azores, the Canary Islands and Russia.
These states are, precisely: Egypt; Albania; Algeria; Andorra; Belgium; Bosnia and Herzegovina; Bulgaria; Denmark including the Faroe Islands (not Greenland); Germany; Estonia; Finland; France (excluding the overseas territories); Greece; Great Britain and Northern Island including the Shetland Islands, the Orkney Islands, Gibraltar, the Channel Islands and the Isle of Man; Ireland; Iceland; Israel including the Gaza strip, West Jordan and the Golan Heights; Italy; Jordan; Kosovo; Croatia; Latvia; Lebanon; Libya; Liechtenstein; Lithuania; Luxemburg; Macedonia; Malta; Morocco (not the western Sahara occupied by Morocco); Moldavia; Monaco; Montenegro; the Netherlands; Norway including Spitzbergen; Bear Island and Jan Mayen Island; Austria; Poland; Portugal including Madeira and the Azores; Romania; Russia; San Marino; Sweden; Switzerland; Serbia; Slovakia; Slovenia; Spain including the Canary Islands, the Balearic Islands, Ceuta and Melilla; Syria; the Czech Republic; Tunisia; Turkey; Ukraine; Hungary; the Vatican State; Byelorussia; Cyprus.
The “Worldwide” area of validity includes all countries of the earth.
The most important insured reasons for cancellation are:
All insured reasons for cancellation can be found in the Complete Information.
If an insured event occurs (e.g. a person falling sick), the following insured co-travellers can also cancel:
The family tariff applies to up to 7 persons travelling together, not more than 2 of whom are adults (18th birthday before the date of the start of the trip).
These persons do not have to be related to each other. A joint residence is not required.
When the premium is being calculated the family tariff is automatically proposed if this is more favourable for you than the single tariff and you enter a maximum of 7 persons of whom not more than 2 are adults.
If you would like to insure children and more than 2 adult persons, you can also combine the family tariff with the single tariff, for example: Married couple with 4 children under 18 and grandmother
Provided you have not started your trip, you can take out a CompleteCover policy. If you take out cover via the Internet site, your insurance policy and the complete Information will be displayed for download immediately by way of confirmation. You will also receive your policy by email within the following few minutes.
Please note however that if insurance is taken out later than three days after the booking date, a “waiting period” applies in respect of cancellation benefits, i.e. the cancellation cover applies only from the 10th day after the insurance has been taken out (except in the case of accident, death or act of God).
For example: if you book your summer holiday in January and take out travel insurance on 1 March, the cover in respect of cancellation does not start until 11 March.
please fill in your policy data, it will be transferred together with your GPS-located address in case of emergency
The shortest connection to our emergency center, works even offline without internet access
Reisedoc, 24/7 connection to Austrian medical advice abroad
Simple and quick claims notification