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• Unlimited travel - with unlimited security: Insured travel up to a max duration of 62 days (one trip id max 62 days or 62 days a year???)
• Insurance cover applies already from the first overnight stay 
• Get more for less: The premium costs correspond approximately to a conventional travel insurance for 2 weeks USA

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Top Travel Insurances for Austria You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Austria is a small, landlocked central European country with stunning mountain landscapes, charming cities, and renowned classical music and architecture such as the Vienna State Opera. Although travelling to Austria can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Austria and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Austria Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Austria:

Best Travel Insurances for Austria

• 01. Should I get travel insurance for Austria? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Austria scroll down

Heading to Austria soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Austria?

Yes, travel insurance is mandatory when travelling to Schengen countries, including Austria. If you're entering the Schengen Area from a non-Schengen country, you must show a valid passport and travel insurance that covers the duration of their stay and a minimum coverage of 30,000 euros. Being insured is one of the necessary steps to secure a visa and enter the Schengen Area, and failure to comply may result in a denial of entry.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Austria or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Austria:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Austria. It lets you choose between various plans tailored to meet the specific needs of your trip to Austria, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Austria:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Austria? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Austria

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for an Austria Vacation (2024)

Compare travel insurance quotes for a trip to Austria from our trusted providers

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Tom Adams is a writer based in the U.K. who specializes in travel advice. Previously, he has written for sports brands, travel blogs and even an archaeological study. Outside of work, Tom enjoys reading, trying new restaurants and taking his rescue dog for long walks in the park.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Austria is an incredible travel destination for a European vacation. Because it is one of the safest countries in the world, you might wonder why you should buy travel insurance before you visit. The answer is, while you’re probably going to have a crime-free vacation, there are other reasons to have insurance for your trip. You could lose money because of travel delays or unexpected cancellations. You could fall ill or cancel your trip after a loved one gets sick. You could have a medical issue mid-vacation.

There are several good reasons to have a robust insurance policy for any destination vacation.

Compare Austria Travel Insurance Companies

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Do I Need Travel Insurance for Austria?

U.S. citizens don’t have to have travel insurance for a trip to Austria because Austria is part of the Schengen area. This is a collection of countries that allow the free movement of people between their borders. Other Schengen countries include Germany, Hungary and the Czech Republic.

Depending on your country of residence, you may need to hold a Schengen visa and Schengen travel insurance with certain minimum coverage. (If you have a Schengen visa, you must have travel insurance for border-to-border travel.) You can find details about Schengen visa requirements and the visa application process on the Schengen visa website .

But you should still consider buying insurance for an Austrian vacation even if you don’t need Schengen visa insurance. Having a travel insurance plan will cover you should you face problems on your trip, like lost baggage , trip cancellations and travel interruptions .

Travel insurance covers medical expenses from your trip if you need to access healthcare, which can be expensive in Austria. This is especially relevant if your trip will include high-risk activities like snow sports.

Having the best travel insurance is vital for any international travel. The following sections provide an overview of different coverage options you might want to consider for your travel insurance policy.

Cancel for Any Reason Coverage 

Cancel for any reason coverage (CFAR) is typically an optional benefit with travel insurance. It allows travelers to cancel their trip for any reason. Otherwise, standard cancellation insurance is subject to certain exclusions.

This can give you peace of mind in the lead-up to your trip, as you will be reimbursed for any non-refundable deposits made before your departure date. CFAR is subject to certain conditions, and you should review them carefully when purchasing coverage. Limitations can include:

• You must cancel your trip within two to three weeks of the departure date.
• You may only receive part of your insured trip cost, which can be as low as 50%.
• CFAR may only be an option in more premium insurance plans.
• Depending on where you live (state or country), you may not be eligible for CFAR coverage.

Gear Theft Protection

Gear theft protection insurance provides reimbursement should your belongings get stolen or damaged on your trip. This extends to all types of gear: skiing equipment, computers, smartphones, other high-tech gadgets and other valuables.

Insurance policies may only offer protection that is as low as $500, which may not cover the cost of replacing multiple expensive items. Likewise, your protection may contain a deductible, a set amount you must pay before the coverage kicks in.

Consider what items are essential for your trip and whether losing them without any financial backing would cause you stress. But: if you purchased any gear on a credit card , it may already have insurance protection. Check with your credit card provider to ask what insurance is already in place.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance is sometimes referred to as travel health insurance, or travel medical insurance . It’s an aspect of a travel insurance plan designed to cover you if you need medical care while traveling. Travel health insurance will cover:

• Hospitalization
• Medical treatments (tests, scans and surgeries)
• Prescriptions
• Emergency medical transport

Emergency medical evacuation, also called medical repatriation, is also part of a travel insurance plan. It takes care of the costs of medical transport should you need to return to your home country for medical treatment. It provides a much higher maximum payout because coverage includes travel and accommodation costs for your return, rather than just coverage for specific medical treatment.

Rental Car Protection

Your travel insurance plan may incorporate coverage for rental vehicles, or it can be an optional benefit. Rental car protection covers you for any loss or damage you experience with your rental during your vacation. Often rental car coverage is less expensive with added to existing travel insurance than when you buy protection directly from a rental car agency.

When buying rental car insurance, consider the following coverage:

• Collision Damage Waiver: This prevents you from being liable for any costs incurred from damage to the vehicle.
• Personal Accident Insurance: This coverage will provide more medical coverage should you get hurt in an accident while in the rental car.
• Personal effects coverage: Some providers will extend the insurance coverage to include any belongings that may be lost or damaged while in the rental car.

Trip Cancellation Insurance

Travel insurance plans will offer trip cancellation insurance that will reimburse you for any prepaid deposits made for your vacation, should you need to cancel your trip. Most providers reimburse you for 100% of your trip costs, but premium plans may offer more.

Unlike CFAR, trip cancellation is subject to certain terms and conditions, and not all reasons for canceling your trip will be covered. Valid grounds for cancellation may include:

• Military or jury service
• Unforeseen adverse weather preventing you from traveling
• Death of a traveling companion or family member
• Unforeseen illness or injury

Check the details of your insurance policy to see what constitutes a valid cancellation. It’s also wise to assess claim procedures and coverage limits in your policy before you travel.

How Much Does Austria Travel Insurance Cost?

The cost of travel insurance differs significantly based on what provider you use, how much coverage you require and the cost of your trip. If you’re looking for cheap travel insurance , there are providers who specialize in affordable plans.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Austria. The below quotes are for a 30-year-old traveler from Florida, traveling to Austria for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

The price ranges of the selected plans offer varied amounts of coverage. Every plan provides 100% of the insured trip cost in their cancellation coverage.

Travel Guard and Nationwide offer $750 and $600 in personal effects insurance, respectively, whereas the other plans offer $500. World Trips and Allianz offer the least medical coverage, $10,000, which may not be sufficient for an active traveler.

However, World Trips and Nationwide have the highest medical evacuation insurance at $250,000, but Nationwide offers significantly higher medical coverage ($75,000).

How Do I Get Travel Insurance for Austria?

To shop for travel insurance for a trip to Austria, consider what activities you will do on the trip and what coverage you need for them. Most insurers have an online tool that helps you shop for the specialized coverage you want. There are also helpful third-party websites that will compare plans for you.

You may want to talk to your bank or other insurance providers to see if they offer travel insurance. If so, you might be eligible for one or more discounts. If you book your trip through a travel agency, your agent will have access to multiple travel insurance providers.

Austria Safety Tips

Austria is one of the safest countries in the world, making it an excellent destination for the cautious traveler. Crime rates have decreased in Austria for many years , and petty crime is uncommon. Should you need emergency assistance, the U.S. consulate should be your first call for help.

The following sections will give you some insight into how to stay safe during your Austrian vacation.

Crime and Safety

Crime rates across Austria are low. Travel advisories don’t highlight any risks or threats , but travelers should still exercise caution. Pickpockets may still target tourists, so only carry necessities with you when you leave your hotel or room. Whatever money and valuables you take, keep them securely on your person.

Day Trips, Tours and Excursions 

With its access to the Alps, Austria is one of Europe’s top skiing destinations, and travelers from across the globe flock to its slopes. If you’re planning a ski trip, make sure your insurance covers action sports as you could get injured. Be sure that you book any skiing lessons with a credible company — and only attempt runs within your skill level.

One way to explore Austria is with city tours of Salzburg and Vienna. Guides can show you the highlights of each city and will ensure your safety. If you book any tours or excursions, make sure the company is well-reviewed and trustworthy. Your accommodation provider may be able to help you and give recommendations.

As of March 2023, there are no COVID-19 restrictions when entering Austria. Travelers will no longer need to provide their vaccination certificate or a negative COVID-19 test. Many travel insurance providers include COVID-19 in their medical coverage unless there is a disclaimer, so you can still receive treatment if you fall ill on your trip.

If you are concerned about Coronavirus, adhere to standard precautions such as hand washing, social distancing, and wearing a face covering if you feel unwell.

The Bottom Line: Is Travel Insurance for an Austria Vacation Worth It?

If you’re traveling to Austria, owning a good travel insurance plan is worth it . Although Austria is a safe country, having protection for your trip can save you money if something unfortunate happens. Interruptions and delays are hard to predict, so having the best travel insurance can alleviate stress and let you focus on enjoying your vacation.

Frequently Asked Questions About Travel Insurance in Austria

Can i claim compensation for delayed flights.

You can claim reimbursement for any cancellations or delays that occur on your trip. This extends to flights, accommodation and baggage delays. Be sure to check with your provider about the details for claiming reimbursement and where exclusions apply.

More information about trip cancellation compensation can be found here .

Is travel insurance worth it for the European Union?

Even if you have a Global Health Insurance Card (GHIC) you should still get a comprehensive travel insurance plan to protect yourself from sunken costs that can occur from trip interruptions. Travel insurance can also protect your personal belongings and provide more coverage than health insurance.

Do I need health insurance for Austria?

You must have health insurance if you have or need a Schengen visa. By law, if you stay in Austria for more than 90 days, you must have health insurance.

Do I need to purchase travel insurance before my trip?

It’s recommended that your insurance plan covers you for the entire time you travel. Still, many providers let you purchase a policy even if you’ve already embarked on your trip. This can be helpful if you need to extend your stay and still want to be covered. Beware that there could be a short delay before the insurance will come into effect, so purchasing your policy in advance is the best option.

Methodology: Our System for Ranking Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

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Useful information and insurance advice

Visa travel health insurance for austria.

Travel insurance is worth the investment for its potential to help reimburse you for hundreds of thousands of Euro of covered travel-related expenses like emergency evacuation, medical bills, and costs related to trip cancellation and interruption.

Travel mishaps are surprisingly common. For instance, each year:

• More than 22 million bags are mishandled
• More than 300,000 flights are cancelled
• More than 6,000,000 flights are delayed

This does not include the thousands of medical emergencies, evacuations, trip cancellations, and trip interruptions that befall travelers every year.

POTENTIAL RISKS AND COSTS

Medical emergencies, potential costs: hundreds of thousands of euro.

If you have a medical emergency when you are traveling, you could be faced with thousands of Euro of bills that you have to pay on the spot.

Travel insurance can help pay hospital and doctor bills if you get sick or injured when you’re on the road.

Medical Evacuation

Potential costs: well over € 50,000 in emergency evacuation and transport to a medical facility  .

If you have an accident or become seriously ill, a simple medical evacuation can cost € 20,000 or more. A complex evacuation from a more remote destination or off a mountain could break your retirement account or drain your bank account.

Travel insurance can pay much of the cost of an emergency medical evacuation including the upfront costs usually required by the evacuation companies. In addition, it can also help arrange transport – not only for the patient, but also for a traveling companion.

Trip cancellation

Potential costs: full cost of trip.

That feeling of elation after you’ve booked your dream vacation can quickly fade when an unexpected emergency forces you to cancel your trip. A child’s illness, parent’s surgery, or a work emergency is traumatic enough without the prospect of losing everything you’d paid up-front for your vacation.

Travel insurance can reimburse you for any nonrefundable trip costs you’ve already paid if you have to cancel your trip for a covered reason. This lets you reschedule your dream vacation instead of watching it fly out the window … along with all the money you’d paid in advance.

Trip interruption

Potential costs: the remaining costs of your trip plus return airfare and lodging.

Having to interrupt your trip and return home can be a complex, painful, and expensive process. Also bear in mind that trip interruption or cancellation, flight delays, lost or stolen luggage, and other unexpected travel costs can add up.

Travel insurance can help reimburse you for any unused, nonrefundable trip costs you’ve already paid for. In addition, the policy may even pay for a return flight home.

Lost luggage & lost documents

Potential costs: replacement clothes, toiletries, and new luggage.

Arriving at a destination without your luggage is an awful way to start a vacation. A lost or stolen passport can be a huge hassle when you’re traveling – not to mention the fears of identity theft and the fact that you can’t really go anywhere until you get a replacement.

Travel insurance can give you the nice, warm feeling that everything is going to be okay by helping you buy needed clothing, shoes, and toiletries. With travel insurance lending a helping hand, you can enjoy your first day of your vacation even without your luggage.

“It is good to know that travel insurance from Insurance-Austria will fully meet all Schengen visa requirements.”

Credit card protection.

Some people think the “travel protection” they have through their credit card is the same as travel insurance. Not necessarily.

However c redit cards weren’t designed to protect vacations. The coverage that cards may include is generally not as extensive as a separate travel insurance plan and will not meet Schengen visa requirements. You should review the policy details to understand what you are being provided and, perhaps more importantly, not provided.

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Travel insurance

The reverse of the Austrian e-card shows the European Health Insurance Card (EHIC)

While it is generally recommended that you take out travel insurance prior to any trip abroad you may still avail yourself of the Austrian health system without travel insurance should you fall sick during your travels through Austria. EU citizens must fill in form sheet E 111 to make use of medical services in Austria.

Social insurance agreements have been signed with the following countries: Bosnia-Herzegovina, Iceland, Croatia, Liechtenstein, Macedonia, Norway, Sweden, Serbia, Slovenia and Turkey. Nationals of these countries may have a care/treatment voucher issued with their health insurance which is then exchanged for a health insurance certificate ( Krankenschein ) at a regional health fund in Austria.

For persons insured in Austria, the e-card makes travelling abroad easier. The reverse of the e-card shows the European Health Insurance Card (EHIC). The EHIC substitutes the international health insurance voucher (form E 111) for the claim of medical treatment during temporary visits (for example holiday) in member states of the European Union, the European Economic Area and Switzerland.

Further information

Vienna in figures.

5,183 medical specialists and dentists were registered in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

19,142 children were born in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

15,045 hospital beds were available for the healthcare of patients in the 44 hospitals of the City of Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

335 pharmacies were available in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

160,838 people in Vienna were 75 years or older as at 1 January 2023. Source: City of Vienna Statistical Yearbook 2023

more statistics

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Austria Traveler View

Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

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After Your Trip

There are no notices currently in effect for Austria.

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Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

Hepatitis B

Recommended for unvaccinated travelers younger than 60 years old traveling to Austria. Unvaccinated travelers 60 years and older may get vaccinated before traveling to Austria.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

Austria is free of dog rabies. However, rabies may still be present in wildlife species, particularly bats. CDC recommends rabies vaccination before travel only for people working directly with wildlife. These people may include veterinarians, animal handlers, field biologists, or laboratory workers working with specimens from mammalian species.

Rabies - CDC Yellow Book

Tick-borne Encephalitis

For travelers moving or traveling to TBE-endemic areas

TBE vaccine is recommended for persons who will have extensive exposure to ticks based on their planned outdoor activities and itinerary.

TBE vaccine may be considered for persons who might engage in outdoor activities in areas ticks are likely to be found. 

Tick-borne Encephalitis - CDC Yellow Book

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil

Clinical Guidance

Airborne & droplet.

• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in Austria, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the  Department of State Country Information Pages  for additional information about food and water safety.

Prevent bug bites

Although Austria is an industrialized country, bug bites here can still spread diseases. Just as you would in the United States, try to avoid bug bites while spending time outside or in wooded areas.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Consider using permethrin-treated clothing and gear if spending a lot of time outside. Do not use permethrin directly on skin.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in Austria include outdoor activities, take these steps to stay safe and healthy during your trip:

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in the heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Do not dive into shallow water.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if you are driving a boat, and always wear a life jacket.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately.  Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance for things your regular insurance will not cover.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medicines you take.
• Bring copies of your prescriptions for medicine and for eye glasses and contact lenses.
• Some prescription drugs may be illegal in other countries. Call Austria’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Make sure there are seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in Austria, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Austria for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

Map Disclaimer - The boundaries and names shown and the designations used on maps do not imply the expression of any opinion whatsoever on the part of the Centers for Disease Control and Prevention concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries. Approximate border lines for which there may not yet be full agreement are generally marked.

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Meet Austria's leading

Travel Insurance

Travel insurance is important.

Our travel insurances protect you whether you are taking a well-deserved holiday by the sea, a family trip to the mountains or a shopping trip to Paris. The next vacation is sure to come - annual protection, road trips or vacations in Austria with Europäische Reiseversicherung.

Why it pays to choose Europäische Reiseversicherung

Travel security since 1907 and Covid coverage included

With the right travel insurance, we will cover the cancellation costs

The electronic health card is no adequate replacement for travel insurance

Return transport at customer’s request

Comprehensive protection for your luggage

Emergency help with EuropAssistance

We are Austria's travel insurance specialists and are committed to providing you with comprehensive travel insurance products for travel internationally or in Austria at competitive prices. We know that not everyone needs everything that our top products cover, that's why we have different plans. CompleteCover always includes cancellation and medical benefits, plus additional useful benefits. TravelCover is the best option with medical benefits and everything you need during the trip. With our Demands & Needs calculators, you can find the travel insurance that best suits your needs. When you choose Europäische Reiseversicherung, you have the peace of mind that you are traveling with a provider who has an extensive, worldwide support network around offers around the clock. Europäische Reiseversicherung, through its majority shareholder Europ Assistance, a global assistance company with a presence in more than 200 countries and a network of more than 750,000 assistance providers, offers 24-hour emergency assistance, 7 days a week, worldwide and locally.

Important Notice:  please inform yourself about the current country-specific security advices of the Ministry of Foreign Affairs.  https://www.bmeia.gv.at/reise-services/laender/  , available in German

Sustainability

CO2 compensation calculator

Calculate directly with Climate Austria and decide for yourself whether you want to support Austrian or international projects with your contribution.

Do more for people and nature

We compensate CO2 and support the climate protection initiative of Climate Austria, as part of the Generali Group we are also involved in their numerous initiatives.

Our travelinsurances at a glance

Annual-CompleteCover

For all trips in a year, top travel and cancellation protection

Annual-TravelCover

Medical treatment abroad for all trips in one year, no cancellation benefits

Hotel Cancellation Premium

Our top cancellation and accident package for your hotel stay

CompleteCover

Carefree insured with cancellation protection and medical benefits

TravelCover

Medical treatment and services abroad, no cancellation benefits

CoachRailCar-CompleteCover

for self-drivers traveling in Europe

Hotel Cancellation Plus

Cancellation and accident insurance for one hotel stay

CancellationCover

including benefits in case of trip interruption for your journey.

SchoolTripsCover

for pupils and teachers to secure school trips

Event Ticket Cancellation Cover

Cancellation insurance for concerts or subscriptions

CourseSeminarConference CancellationCover

Assumption of the cancellation costs

Corporate Travel Insurance

For business trips, no cancellation insurance included

Emergency assistance

Emergencies: +43 1 504 44 00.

24/7: If you have a medical emergency and need immediate inpatient treatment, we will organize your transport to the nearest medical facility where you will have access to the care you need. Whether it's just a short drive or an international flight away, we'll get you there quickly and safely.

Emergency App

This App is available in German language with features and benefits including download information for the Apple or Google Play Store: This is the shortest connection to the emergency call center and also works without internet access. Tip: If you enter your policy data in the app, it will be transmitted to our operations center via GPS in an emergency, together with your current address.

What is travel insurance?

Travel insurance is an insurance policy that aims to give you financial security during your trip and to protect you for financial investments made by booking a holiday. Although taking out travel insurance is not mandatory, the Austrian Ministry of Foreign Affairs strongly advises all Austrian travelers to cover themselves with travel insurance, regardless of whether they are traveling domestically or internationally. Travel insurance is an indispensable tool to protect you against financial losses that can arise from a variety of factors. These factors include (but are not limited to) the need to cancel a trip, require medical treatment abroad, or replace lost or stolen baggage and personal effects. We advise you to always read the product information with information sheet, coverage description with the insured benefits and premiums, the terms and insurance conditions and the information on the right of withdrawal, complaint options and data processing before you take out travel insurance to ensure that the product is suitable for you .

Tele-Traveldoc and Emergency App

• Enter your policy number. In an emergency, it will be transmitted along with your current address via GPS tracking
• The shortest connection to the emergency call center, works even without internet access
• Tele-Traveldoc, a 24/7 connection to the Austrian doctor for quick medical advice when travelling
• Simple and quick transmission of a claim

Get the App

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+++ Current restrictions: Online bookings are not available for some insurances +++

• Netherlands
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Top benefits in international insurance

• Doctor and hospital costs abroad
• Medically appropriate return transport to the home country
• As a one-off policy or annual insurance

Travel health insurances

Care and financial assistance in case of illness.

Are you planning a short or longer stay abroad? So that you can enjoy a carefree time abroad, we offer you a range of travel health insurances for your personal cover in the event of illness or accident. We offer you tailor-made cover for holidays, longer trips, semesters abroad or work assignments worldwide.

Travel health insurances at a glance

International health insurance – cost protection in the event of illness while travelling.

An indispensable travel companion: Private international health insurance reimburses you for medical and hospital costs and covers the costs of medically expedient repatriation.

From 1.50 €

(per day, up to the 65th birthday, excluding USA/ Canada)

Annual international health insurance – Travel as often as you like, always protected

Optimal for travelling abroad a lot – our annual international health insurance protects you from high medical and hospital costs.

(per year, up to the 65th birthday)

International health insurance for young people

Especially for pupils, students, scholarship holders or au pairs up to 39 years of age who are going abroad for up to one year: Combine international health insurance optionally with travel liability, travel accident and travel luggage insurance. Enjoy optimal protection both within the EU and worldwide.

From 1.20 €

(per day, up to the 29th birthday, excluding USA/ Canada)

eKomi – Client reviews

Transparency is important to us: Find out more about our client's experiences

Did you know? Facts about Travel health insurance

A must with all luggage.

International health insurance is the most important component of travel insurance . Even if you are not on an adventure holiday in the Himalayas, but simply relaxing in an all-inclusive hotel, you may need medical assistance. Then not only does your holiday fall through, but it can also become very expensive very quickly.

HanseMerkur's international insurance policies cover the costs of outpatient and inpatient treatment abroad, as well as your return transport if this is medically advisable. Whether you are staying abroad for a longer period of time or just for a short holiday, HanseMerkur has the right international insurance on offer for you.  

Protection for 1 trip

If you are studying abroad, going on a world trip or working abroad for a longer period of time on business, we recommend our international insurance. Our international health insurance covers the costs of outpatient treatment by a doctor, inpatient stays in hospital or pain-relieving dental treatment for up to 365 days.

Protection for many trips

If you travel more often within a year, we recommend our annual international health insurance . If you have taken out annual international health insurance, we will cover the costs of all outpatient and inpatient treatment abroad for one year on any number of trips (maximum travel duration of 62 days per trip). You also enjoy many other benefits: For example, we will inform you about the nearest German- or English-speaking medical care at your holiday destination and pay the hotel costs for a co-insured person if you are unable to travel due to an inpatient stay. 

All-round protection in one package

If you would like to be even more comprehensively protected for 1 year when travelling, we recommend our Premium annual travel insurance protection. The Premium annual travel protection includes not only international health insurance, but also travel accident insurance, luggage insurance and much more.

If you would also like to protect yourself in the event that you are unable to take a trip due to unforeseeable events, we recommend our annual cancellation insurance including travel protection.  

Do you live in Switzerland?

Users that live in Switzerland are rectricted to book travel insurances on our Austrian website. Please visit our Swiss website where you get appropriate information and can book travel insurances online.

Switch to Swiss website

Booking restrictions

Please be advised that online bookings are not available for some travel insurance products at the moment.

Please contact our service team for further assistance:  [email protected]

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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Before you travel check that:

• your destination can provide the healthcare you may need
• you have  appropriate travel insurance  for local treatment or unexpected medical evacuation

This is particularly important if you have a health condition or are pregnant.

Emergency medical number

Dial 112 and ask for an ambulance.

Contact your insurance or medical assistance company quickly if you’re referred to a medical facility for treatment.

Vaccine recommendations and health risks

At least 8 weeks before your trip:  

• check the latest vaccine recommendations for Austria
• see where to get vaccines and whether you have to pay on the NHS travel vaccinations page

See what health risks you’ll face in Austria , including tick-borne diseases.

Altitude sickness is a risk in parts of Austria. Read more about  altitude sickness on TravelHealthPro .

The legal status and regulation of some medicines prescribed or bought in the UK can be different in other countries.

Read  best practice when travelling with medicines on TravelHealthPro .

Healthcare in Austria

FCDO has a list of medical providers in Austria where some staff will speak English.

Health insurance cards

To get medically necessary state healthcare in Austria, you need a Global Health Insurance Card ( GHIC ) or a European Health Insurance Card ( EHIC ).

The NHS’s getting healthcare abroad webpage has details about:  

• how to apply for a GHIC
• how to get temporary cover if you lose your card or it does not arrive in time
• who qualifies for a new EHIC instead of a GHIC
• what treatment counts as medically necessary

A GHIC or EHIC is not an alternative to travel insurance. You may have costs your GHIC or EHIC does not cover, including:  

• changes to travel and accommodation bookings
• additional standard costs for treatment
• medical repatriation to the UK
• treatment that is ruled non-urgent
• private healthcare
• private clinics

There is also  guidance on healthcare if you’re living in Austria .

Travel and mental health

Read  FCDO guidance on travel and mental health . There is also  mental health guidance on TravelHealthPro .

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Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

HTH Worldwide Customer Service and Support Experience

Compare hth worldwide travel insurance.

• Why You Should Trust Us

HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Six Travel Mistakes to Avoid

No travel medical insurance? Unnecessary luggage and hotel fees? Here are the biggest travel mistakes people make and how you can avoid them.

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Even the most seasoned tourists can make travel mistakes when planning a vacation. Some blunders can be minor infractions, but others can cost travelers a lot of money and heartache. 

But there are steps you can take to avoid travel mistakes. Here are six slip ups that travelers may make this year, plus tips on how to avoid them.

1. Overlooking travel medical insurance

Christopher Elliott , a consumer advocate and founder of the nonprofit Elliott Advocacy , says many people don’t consider purchasing travel medical insurance . “People often think nothing bad will happen before or on their vacation, but then they get injured overseas and need to go to the hospital, and the next thing they’re looking at is a $10,000 hospital bill.” Indeed, nearly one in four Americans report they’ve experienced a medical issue while traveling abroad, according to a 2023 survey sponsored by GeoBlue, an international health insurance company. 

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Unfortunately, most U.S. healthcare plans — including employer group plans, Medicare and Affordable Care Act plans — offer limited or no medical coverage outside the U.S. 

How to avoid: One solution is to purchase a travel medical insurance policy, a type of insurance that provides coverage for a range of medical emergencies while traveling abroad, from minor injuries to major events like heart attacks and strokes, to medical evacuation and emergency transport in the case of severe emergencies. 

The average travel medical insurance plan costs $89, according to Squaremouth , a travel insurance comparison website. Squaremouth advises international travelers to obtain a policy that provides a minimum of $50,000 in emergency medical coverage and at least $100,000 in medical evacuation coverage. 

Note: Some travel insurance policies include emergency medical coverage and medical evacuation coverage up to certain limits.

2. Getting hit with unnecessary luggage fees

You may have heard that a number of airlines — including American Airlines , Delta , and JetBlue Airways — recently raised their prices for checked bags. But one thing a lot of travelers aren’t aware of, Elliott says, is that some are now charging customers more if they check a bag at the airport versus paying to check a bag in advance. For instance, JetBlue customers flying within the U.S., Latin America, the Caribbean and Canada can save up to $20 on their first two checked bags ($10 savings per bag) when they add them to their flight reservation at least 24 hours before departure.

How to avoid: Make sure to pay ahead of time for any bags that you plan to check.

3. Incurring hidden hotel fees

Wi-Fi fees, early check-in fees, gym fees—hotels today charge guests no shortage of extra fees and surcharges . It’s a widespread problem: In an April 2023 survey by Consumer Reports , nearly four out of 10 (37%) U.S. adults said they had experienced a hidden or unexpected hotel fee in the previous two years.

How to avoid: Many hotels offer to reduce or, in some cases, waive certain fees to guests who join their loyalty program, which is free in most cases. Also, sometimes simply asking an employee at check-in to waive certain fees could do the trick.

4. Not utilizing a key search feature on Airbnb

Like hotels, Airbnb rental property owners often tack on extra fees, such as cleaning fees, fees for additional guests beyond a certain number, and service fees. These additional costs can add hundreds of dollars to your bill.

How to avoid: Elliott praised Airbnb for introducing a feature in December 2022 that allows guests to view a stay’s total costs, before taxes, when searching for rental properties. But he says there’s a caveat: “If you’re in the U.S., you need to change a setting in order to see the full rate when you search for rentals.”

To enable the feature, click the slider on the upper right of the search page that says, “Display total before taxes.”

5. Paying full price for a rental car

First, the good news: “The rental vehicle shortage has improved,” Elliott says. That’s resulted in a stabilization of rates, with rental car prices recently averaging $42 a day, up only 3% from last year, according to a report from the travel search company Hopper. The bad news? Renting a car is still more expensive than it was before the pandemic, especially for travelers who pay full freight.

How to avoid: There are several ways you can avoid paying full price. Big-box stores such as Costco , BJ’s and Sam’s Club provide their members discounts on certain rental cars. AARP and AAA also offer their members discounted rates. ( AARP members save up to 30% on base rates at Avis and Budget Rent A Car; AAA members save up to 20% on Hertz rentals). In addition, a number of credit card companies offer certain cardholders rental car discounts when they book a vehicle from specific rental car companies.

You may also be able to nab a lower rate by prepaying when you book a reservation. And, some rental car companies offer limited-mileage plans at a lower cost, which could be a good option if you’re planning to take just a short trip.

Tip: See if your credit card offers rental car insurance before you pay for insurance from a rental car company.

6. Encountering sky-high hotel rates because of Taylor Swift’s European tour

When Taylor Swift performs a concert, sometimes tens of thousands of out-of-town fans descend on the city, causing hotel prices to spike. Consider: the median rate for a standard hotel room during an Eras Tour date in Europe this year is projected to jump by 44%, with average hotel room prices in Warsaw surging a staggering 154% during her tour date there, according to a recent study by Lighthouse , a travel and hospitality research company.

How to avoid: The simplest approach for Europe-bound travelers in 2024, Elliott says, is to avoid traveling to a destination during a Taylor Swift tour date in that city. “When Taylor Swift comes to town all of the hotels sell out, and it becomes very difficult to find a reasonably priced hotel,” he says.

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• 24 Best Travel Websites to Find Deals and Save You Money
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• Best Travel Rewards Cards May 2024

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Daniel Bortz is a freelance writer based in Arlington, Va. His work has been published by The New York Times, The Washington Post, Consumer Reports, Newsweek, and Money magazine, among others.  

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