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).
our Annual Complete+Cover offers additional advantages:
Mr Günther D books a trip to Greece and takes out an Annual Complete+Cover policy from Europäische Reiseversicherung. While swimming, Mr D feels a burning pain in his knee. When the pain increases he is taken to the local hospital, where a meniscus tear is diagnosed. He is taken to Austria by ambulance jet. The costs in the amount of 10,863 Euros, comprising the hospital costs, return transport costs and unused travel services, are paid by Europäische Reiseversicherung.
191 Euros is refunded by social insurance.
Annual-Complete+Cover also applies for business trips. If you are looking for cover for business luggage and the exercise of a professional manual activity, we recommend the additional package "Business luggage & manual activity".
The insuranceperiod is one year. Unless notice of termination is given by one of the contracting partners not later than one month before the expiry of the insurance agreement, the agreement is renewed for a further year.
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.
You have the option to extend the benefits of the Annual-Complete+Cover individually with the following additional packages:
If you apply for Annual-Complete+Cover via our Internet site, a confirmation of your application will be displayed immediately. You will also receive this confirmation by email within the following few minutes.
Following positive processing of your application, in the next few days you will receive by post your insurance policy with scope of benefits, conditions of insurance and emergency card.
The list of all insured reasons for cancellation can be found in the information sheet. The most important reasons are:
With Annual-Complete+Cover are additional reasons for cancellation covered, such as
If an insured event occurs (e.g. a person falling sick), the following insured co-travellers can also cancel:
The insurance cover applies worldwide.
The insurance covers max. the first 42 days of each holiday and business trip. Upon completion of the additional package „Duration of trip“ the insurance covers max. the first 84 days of each holiday and business trip.
Cover for trip cancellation begins with the date of the start of cover as stated in the insurance contract and ends with start of the trip or prior expiry of the insurance. For journeys which have been booked before insurance has been taken out, cover begins at the earliest on the 10th day following conclusion of insurance (except in cases of accident, death or act of God as described in Art. 14), but not before the agreed start of the contract.
The insurance cover during a journey begins with the leaving of the town of residence or of second residence or of the place of regular work, and ends with the return to such place, the prior expiry of the insurance or when the maximum insured duration of travel has been attained.
Journeys between the aforementioned places and field work activity are not covered by the insurance.
It is a precondition for cover that the insured person has their normal place of residence in Austria or South Tyrol.
The single premium is per person (max. 7 persons per policy)
The family tariff applies to up to 2 persons, regardless of family relationship, as well as their children (including foster children and adopted children) up to the age of 21 years. A joint residence is not required. The insured persons can be travelling separately or to different destinations at the same time.
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