Multi Travel Insurance Policies

Annual-Travel-Cover Standard 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-Travel-Cover Standard individually with the following additional packages:

• "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.

If you apply for Annual-Travel-Cover Standard 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 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.

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.

• 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.