COVID-19 information on travel insurance

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Information on COVID-19 in regards to travel insurance

Information for our customers and partners
on COVID-19, travel warning and insurance cover

Insurance cover during the trip / Travel insurance

Countries without travel warning
Full insurance coverage is provided – also for Covid-19 disease.

Countries with travel warning due to Covid-191
Full insurance coverage is provided except for anything related to Covid-19.

Countries with travel warnings for reasons other than Covid-19 (e.g., war, civil war)
There is no insurance coverage.

Insurance cover before the trip / Cancellation cover

Full insurance coverage is also provided for Covid-19 disease.

 

Current assessment and our recommendation
Please regard the travel information of the Austrian Ministry of Foreign Affairs www.bmeia.gv.at.
There you will find current security advice and information on Covid-19 for your destination.

Safety levels differ according to 
•    Safety instructions (up to and including safety level 4) with no effect on insurance coverage 
•    and travel warnings (safty levels 5 and 6) with implications for insurance coverage.If you wish to book a travel abroad, we recommend that you use the services of a travel agency or tour operator and make sure you book a package travel. This will give you the best possible protection under travel law, good advice on all eventualities and provide you with a personal contact. In addition, package travels are insured against the insolvency of the tour operator.

Insurance coverage during the trip / Travel insurance

Health insurance coverage related to Covid-19 as well as travel warnings

Countries without travel warning
There is full health insurance coverage for all conditions including Covid-19, such as

•    for all medical treatment costs,
•    for a COVID-19 test that may be required if relevant symptoms occur,
•    for any additional return travel costs,
•    for any additional accommodation costs (costs of extended stay).
Costs for mere quarantine accommodation and a prophylactic Covid-19 test are not covered.

Countries with travel warning due to Covid-191
There is no health insurance coverage for Covid-19, but there is full health insurance coverage for all other conditions.

Countries with travel warnings for reasons other than Covid-19 (e.g., war, civil war).
There is generally no insurance coverage.

Please be advised that due to the Covid-19 pandemic, medical care may be limited and our services may not be of the usual quality. Due to high Covid-19 case numbers, medical care may be overloaded and hospitals and the normal quality of care may not be available.

Insurance cover before the trip / Cancellation cover

Cancellation coverage also in case of Covid 19 disease despite pandemic status
For all existing and newly concluded insurance contracts, we do not apply the pandemic exclusion for cancellation and trip interruption contained in our terms and conditions until further notice.
To this extent, we provide cover in the event that you, as the insured customer, are unable to commence the trip or have to interrupt it,

•    because you suffer from COVID-19 symptoms,
•    because you have been found to have an elevated temperature measured, even if a later test result is negative,
•    because you were tested positive for COVID-19 without showing symptoms,
•    because a close relative2 or a person living in the same household has contracted COVID-19 and your urgent presence is required,
•    because a close relative2 in the same household has contracted COVID-19 and you must therefore be quarantined.

However, there is no cancellation protection,
•    if you cannot or do not want to start the travel because you are worried about an infection due to the increasing number of cases at your holiday destination,
•    if you cannot or do not want to start the travel because you are classified as a risk patient,
•    if the service providers or tour operators cannot (any longer) provide their services (e.g. as a result of a level 5 or 6 travel warning). In this case, however, no cancellation costs may be charged anyway, 
•    if you cannot start the travel because you are placed in quarantine due to a suspected case (e.g. in kindergarten or among your colleagues) without having symptoms of the disease or having tested positive. 

Inquiries and availability

We kindly ask you to mail all inquiries, in particular those concerning coronavirus and insurance coverage, directly to corona@europaeische.atcorona@europaeische.at. E-mails are usually processed by the sales team of Europäische Reiseversicherung on a daily basis.

1) In the event of travel warnings due to Covid-19, the general exclusion in the event of a travel warning is only applied to Covid-19, in deviation from the respective travel insurance conditions.
2) Close relatives are defined as spouse (or registered partner or partner living in the same household), children (step children, children-in-law, grandchildren, foster children), parents (step parents, parents-in-law, grandparents, foster parents), siblings and brother-in-law/sister-in-law of the insured person - in case of a registered partner or partner living in the same household, additionally his/her children, parents and siblings.
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