Frequently asked questions

How to choose the most appropriate travel insurance?

There are different ways to locate the most appropriate insurance products through the website:

1. From Homepage to quote:
Fill in your travel details and we provide you with quotes of the appropriate travel insurances. You choose and will get your travel insurance immediately.

2. Top menue bar to category:
e.g. choose 'holiday in Austria' and get a short description on possible insurance benefits.

3. From top menue bar directly to appropriate travel insurance

How does purchasing work?

1. Calculate your personal premium

Before taking out an online contract, you can calculate your personal premium for the chosen travel insurance product quickly and with total anonymity. “Total anonymity” means that you do not have to provide details such as your name or address.

2. Providing personal details

If you are happy with the calculated premium, you can purchase the chosen insurance online straight away. To do this, you will be asked to provide the necessary personal details.

Privacy notice:
The protection of your personal details takes top priority for Europäische Reiseversicherung. We also guarantee that the information you provide will be dealt with in the strictest of confidence. Your details will only be used for taking out your insurance policy. You can also rest assured that sophisticated firewalls are used to protect your details against unauthorised access by third parties. For more information on how your personal details are protected, see our Privacy Statement.

3. Check your details and pay for the product

Before you move on to the payment page, you are given the opportunity to verify all your details and make any changes required using the keyboard and browser. When everything is correct, you can conveniently pay for the premium by credit card (VISA, Mastercard/Eurocard, American Express and DinersClub) or have the amount debited from your bank account (direct debit).

Security notice:
Your details will always be transmitted via the Internet in an SSL-encrypted (minimum 128 bit) form. Payment is processed by our payment partner Wirecard Central Eastern Europe GmbH (, while direct debits are forwarded to our payment partner hobex AG ( for payment. Our payment partner encrypts your credit card details with SSL (minimum 128 bit) before transmitting the data.

4. Summary and confirmation of your insurance contract and sending of your policy by e-mail

Once the payment process is complete, you will be shown a summary of the policy you have taken out. Please make a note of your policy number. Your insurance policy will be sent to you immediately by e-mail after you place your order when taking out insurance protection for a trip (or event, seminar, etc.). For annual trip insurance (insurance cover for all trips taken within one year), you will receive an e-mail confirming receipt of your application (application confirmation) and containing information on any provisionally available cover.
If you do not receive this, please contact our service centre (tel. +43 1 317 25 00-73930, e-mail:, quoting your policy number.

Can products also be purchased offline?

The products of Europäische Reiseversicherung are available from over 1,400 travel agents and tour organisers, airlines, Austrian Federal Railways (ÖBB), more than 3,200 lodgings as well as drivers’ clubs, insurance companies, insurance brokers and banks. Information can also be requested direct from Europäische.

E-mail: or Service Center tel. +43 1 317 25 00-73930.

Delivery and/or when does the insurance definitely come into effect?

At the end of the purchase, a summary of the purchased product will be shown on your screen. The summary contains information on the chosen product, the policy number, the insurance commencement date, the insurance conditions, the total cost including taxes, the scope of validity, the personal data of the insured, any details about the start of the trip, travel booking, etc.
The insurance policy will also be sent by e-mail after the order has been placed, and contains information on the provider ID of Europäische and any right to cancel, as well as the Europäische Travel Insurance conditions and the General Terms and Conditions of the online shop.
If you do not receive this e-mail, please contact our Premium Department (tel. +43 1 317 25 00-73920, e-mail: ). We recommend that you print out and take all of the documents with you on your trip. If you do not have a printer, please make a note of the insurance details, especially the emergency telephone number and the policy number. Please note that insurance cover is only guaranteed once the premium has been paid.

How does payment work?

Payment is by credit card (VISA, Mastercard/Eurocard, American Express and Diners Club) or by direct debit. We have set high security standards and use the most secure and modern accounting systems available.


How is sensitive information dealt with?

Personal data is dealt with in accordance with the prevailing data protection act. All of the data you supply is always encrypted before being transmitted. Data is not forwarded to third parties, directory publishers or direct marketing companies. For further questions on the topic of data security, please see our Privacy Statement or contact

What do I do in case of an incident?

You will find information about this in the menu under Service, CLAIM.

In case of emergencies, please call:
24/7 Emergency hotline: +43 1 50 444 00

What to do in case of a complaint?

Take the opportunity to tell us your concerns or complaints by filling out our contact form or contact us via e-mail or letter (Europäische Reiseversicherung AG, attn. Complaint office, Kratochwjlestraße 4, 1220 Wien).
Please make sure that you fill in your personal data. The more information you give us (policy- and / or claim number, etc. ), the better and more individual we can handle your concerns.
Our aim is to provide excellent service to our clients.

Information on the complaints handling procedure

We collect all information necessary to clarify the complaint and communicate this in writing or in written form to the address provided by the complainant. For reasons of data protection, it may be necessary for us to verify the identity of the complainant.
We announce (if necessary) whether and what additional information we possibly need. The complaint will then be completed by us immediately, generally within not more than 5 working days after having received all necessary information. If extensive surveys are required, there may be a delay. In the event of delays the complainant receives an interim report and ( if possible ) an indication when to expect the final result.
If the final result does not entirely meet the complaintant’s demands, he will receive a detailed explanation.
If after careful review and explanation a satisfactory solution for the complainant has not been found, following institutions can be contacted:
The Association of Austrian Insurance Companies, Schwarzenbergplatz 7, 1030 Wien
The arbitration body for consumer business The participation is not obligatory for the insurer.
For online contracts consumer can contact the out-of-court dispute arbitration board of
the Internet Ombudsman or
the Online Dispute Resolution-Platform (“ODR-Platform”) of the European Union
Please note that our competent Supervisory Authority is the FMA Austrian Financial Market Authority (Otto-Wagner-Platz 5, 1090 Wien).

Who are our partners?

Als Österreichischer Marktführer sowie durch den Dienstleistungsverkehr mit Slowenien und Südtirol, kooperieren wir mit einer Vielzahl von Partnern. Reiseveranstalter und Reisebüros, Verkehrsträger, Hoteliers und Vermieter von Privatzimmern und Ferienwohnungen, Seminaranbieter und Kongressveranstalter zählen ebenso zu unserem Kundenkreis wie auch Versicherungsmakler und Vermittler sowie Verbände und Internetportale.

Which partners provide additional benefits?

By working together with the world’s largest assistance provider, Europ Assistance, which has 275 offices in 208 countries and regions, we are able to guarantee our customers competent and fast assistance through our competent and professionally trained emergency call centre, which can be reached 24 hours a day, 365 days a year.
Emergency 24/7 hotline: +43 1 50 444 00



All journeys and holidays on record - even offline without data roaming when abroad!

Direct call to operations centre with automatically generated emergency text message with GPS data.

Creditcard and mobile phone lock instructions, travel warning, checklists and more.

Business travellers - travel expenses via app, documents always available