Allround Travel insurance

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:

• 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;
• serious damage to your property at the place of residence as a result of act of God or criminal act of a third party;
• pregnancy, if the pregnancy is only determined after the policy has been taken out, or severe pregnancy complications;
• loss of job without fault, as a result of notice of termination issued by the employer;
• unforeseen taking up of a new employment relationship;
• submission of an action for divorce, petition for dissolution or dissolution of the relationship of two partners living together before the trip to be undertaken jointly by the spouses or partners concerned;
• 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 Complete 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.

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

• family tariff for the parents and 4 children +
• single tariff for the 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.