Multi Travel Insurance Policies

Annual-Complete+Cover

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

The list of all insured reasons for cancellation can be found in the information sheet. The most important reasons are:

  • unexpectedly occurring serious illness, serious health consequences resulting from an accident or death of the insured person or family members;
  • serious damage to your property at the place of residence as a result of act of God or criminal act of a third party;
  • loss of job without fault, as a result of notice of termination issued by the employer.

With Annual-Complete+Cover are additional reasons for cancellation covered, such as

  • 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;
  • unforeseen taking up of a new employment relationship;

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.

Who can be insured?

It is a precondition for cover that the insured person has their normal place of residence in Austria or South Tyrol.

  • Single:
    The single premium is per person (max. 7 persons per policy)

  • Family:
    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.

What are the options to extend insurance cover?

You have the option to extend the benefits of the Annual-Complete+Cover individually with the following additional packages:

  • "Cancellation/Interruption"
    The insured sum for trip cancellation and trip interruption (Benefit 1. and 2.) increases from € 5,000 to € 10,000.
  • "Business luggage & manual activity"
    Additional insurance cover applies to Business luggage (Luggage) and for the exercise of a professional manual activity (Medical Services abroad and transport home).
  • "Duration of trip"
    The maximum insured duration per trip is extended from 42 days to 84 days.

Where and when does the insurance cover apply?

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.

How long does the insurance cover apply?

The insurance period 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.

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

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.

Does the insurance also apply in respect of business trips?

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".

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

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.

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