Important Information and Insurance Conditions

All information on this insurance product, such as Insurance Product Information document, Coverage description with insured benefits and premiums, Terms and Conditions as well as withdrawal rights, complaints procedure and data processing can be found by clicking Product information.

➤ Product information

Overview of benefits

  • Trip cancellation and trip interruption: with comprehensive reasons for cancellation and interruption
  • Trip delay: additional costs for accommodation, meals and subsequent travel
  • Travel luggage: new value cover in the event of damage or loss, reimbursement of costs in the event of delayed luggage
  • Search and rescue: in the event of accident and distress at sea or in mountains up to € 80,000
  • Travel health insurance abroad: reimbursement of costs incurred, e.g. for outpatient and inpatient treatment up to € 1,000,000, organisation and coverage of costs for transport home
  • Travel personal liability for property damage and personal injury flat rate EUR 500,000 (of which property damage to rented rooms (including inventory) EUR 25,000)
  • Assistance in the event of arrest or threatened arrest abroad
  • 24-hour emergency service and immediate assistance worldwide

What Europäische covers

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.

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Frequently asked questions

Can I take out travel insurance to Ukraine, Russia or Belarus?

Due to the current political and military situation, the sanctions, airspace closures and deactivated payment facilities we currently do not offer insurance for travel to Ukraine, Russia or Belarus.
For any trip abroad please inform yourself also about the current country-specific security advices of the Ministry of Foreign Affairs: https://www.bmeia.gv.at/reise-services/laender/
Status 11.03.2022

My stay in hospital abroad lasts longer than the originally planned trip – how long does my insurance cover apply?

If you unexpectedly fall ill during an insured trip, we reimburse the costs of inpatient treatment, even if the originally planned end of the trip has already passed, until we can transport you back to Austria.

When can I take out the family tariff?

The family tariff applies to up to 7 persons travelling together, not more than 2 of whom are adults (21th 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.

What reasons for cancellation are covered, and who is authorised to cancel?

The most important insured reasons for cancellation are:

  • unexpectedly occurring serious illness, serious health consequences resulting from an accident or death of the insured person or family members;
  • existing illness of the insured person or family members, if it unexpectedly becomes medically acute
  • significant material damage to the property of the insured person at one of their domiciles as a result of an act of God (flood, storm etc.), fire, burst water pipe or criminal act of a third party which requires their presence;
  • loss of job without fault, as a result of notice of termination issued by the employer; 
  • Submission of a divorce or dissolution suit (in the case of amicable separation, the corresponding application) at the competent court or Giving up common place of residence before the insured joint trip of the affected spouse or life partner;
  • unexpectedly occurring serious illness, or serious physical injury caused by an accident, of a dog, cat or horse (pets) whose permanent owner is the insured, making your presence absolutely necessary;
  • neighbourly assistance by the insured in the event of a disaster;

All insured reasons for cancellation can be found in the Product Information.

Who is authorised to cancel?

If an insured event occurs (e.g. a person falling sick), the following insured co-travellers can also cancel:

  • family members of the insured person affected;
  • a maximum of six further persons per insured event.

What countries count as Europe?

With CompleteCover you can choose between “Europe” and “worldwide” as the area of validity.

The “Europe according to insurance conditions“ area of validity includes Europe in the geographical sense, Russia, all the Mediterranean states and islands, Jordan, Madeira, the Azores and the Canary Islands, with the exception of Syria and Crimea.
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; the Czech Republic; Tunisia; Turkey; Ukraine; Hungary; the Vatican State; Byelorussia; Cyprus.

The “Worldwide according to insurance conditions” area of validity includes all countries of the earth, with the exception of North Korea, Syria, Venezuela, Crimea and Iran.

When do I have to take out insurance?

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. Insurance policies with trip cancellation benefits must be taken out within 3 days of booking the trip at the latest. If the insurance is taken out after this date, trip cancellation insurance cover is only provided for events that occur from the 10th day after the insurance is taken out (excluding accident, death or Act of God). Please note the special provision on "Pregnancy" as the reason for cancellation, under Section 11 subsection 2.1.5. of Insurance Conditions.
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.

What confirmation do I receive if I take out an insurance online?

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.

Does the insurance also apply in respect of business trips?

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-CompleteCover extended with the additional package "Business luggage & manual activity". 

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What to do in case of emergency

Don't worry, we've made it as simple as possible. Make your claim online - fast and without bureaucracy.

24/7 EMERGENCY CALL: +43 1 50 444 00

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MEINE URLAUBERIA-App

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