travel health insurance austria

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

in under 2 minutes

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

Why trust marketwatch guides.

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

Companies Reviewed

Quotes Collected

Rating Factors

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.

The table below shows the cheapest insurance plans from five providers. The quotes were calculated based on a single U.S. traveler visiting Austria for one week. The trip cost is $1,500.

Quotes pulled on June 6, 2023. All values in U.S. dollars.

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

FeelSafe Travel Insurance

The “FeelSafe Travel Insurance” is a no-limit  travel health insurance that is fully accepted  for your Visa-C, Visa-D and INITIAL Residence Permit.

Covering MORE than the legally required €30.000!

Initial Residence Permit = application at the Austrian Embassy in your home country.

                   This product is valid for:

• Language school students
• Researchers
• Business Travelers
• Job seekers

Keywords: 100% accepted, over €50.000 coverage, covering winter sports, COVID coverage. D-Visa, C-Visa, Initial residence permit application.

• 1. Start date of insurance (arrival date in Austria): DD dot MM dot YYYY
• 2. Take travel insurance until: DD dot MM dot YYYY
• 3. Your Price € 2.99 / day Price: 0,00 €
• Hidden Number of Days

HARD FACTS - IMPORTANT! PLEASE READ!

Important facts.

COVID-19 coverage as requested by the government/ministry/embassies for the visa process! Insurance coverage for COVID-19 is included if the insured person is healthy when entering Austria. There is no insurance coverage included for COVID-19, if the infection or medical treatment for it has occurred before the beginning of the insurance coverage or before the entry into Austria. Coverage for winter sports included.

• For internationals NOT from Austria
• Valid for your C-Visa, D-Visa and INITIAL residence permit application at the Austrian Embassy.
• NOTE: If you already have (or know someone who has) an Austrian or other European bank account, you can directly get the long-term insurance that you will need for the residence permit pick-up in Austria and DON’T need to get the travel insurance first.
• Payment by credit card: VISA, MasterCard, American Express, JCB, Discover, Diners Club
• Running time of this contract: Min. 1 day
• Covering winter sports
• Confirmation: Download confirmation right after purchase
• Confirmation additionally sent via e-mail
• Please print insurance confirmation for your visa appointment
• Cancellation policy: If your visa application gets rejected, you can cancel the insurance and get the money refunded if the insurance has not yet started. If the insurance is already running, you can’t cancel the insurance.
• Repatriation must be arranged by the UNIQA SOS-Service, otherwise a maximum of € 2.200,- will be reimbursed
• Price of € 2.99 per day
• UNIQA SOS Service: +43 50677 670

This product fulfills all the legal requirements for the embassies and the residence permit department (MA35 in Vienna).

Good to know!

• The insurance is provided by UNIQA, Austria’s largest insurance company
• If you stay overnight in a hospital, UNIQA will pay your bill directly
• To get your ambulant bills refunded, please use our “Request Refund” button in the navigation header

INSURANCE COVERAGE

Coverage comparison

Will this insurance be accepted by the Austrian Embassy for my entry visa?

Yes, our insurance is accepted by all Austrian Embassies. You will get our insurance confirmation latest within 3 hours via e-mail.

For how long should I take the travel insurance?

We recommend to take the travel insurance for at least 1 month after your arrival date – to be on the safe side 2 months. You need to get your Austrian Bank Account in order to get our long-term insurance and that may take a few days/weeks. We can help you to open an Austrian account at: www.feelslikehome.at/bank

What happens if I have to stay in an hospital?

If you have to stay in a hospital overnight, just tell them that you have a private insurance with UNIQA. The hospital will call UNIQA to make sure that you really payed your insurance. If the check is successful, the insurance company will pay for your stay directly.

How does the refund work?

If you go to a private doctor, you have to pay the bill first. After that just make a photo with your smartphone and send us the bill via our Request Refund button in the navigation header. Please make sure that there is a diagnostics (Diagnose) on your bill, otherwise we cannot make a refunding. The refund normally takes about 2-3 weeks to process.

Am I 100% covered?

Yes, please read in detail the coverage comparison sheet for maximum coverage amounts per category.

Download Policy & Terms

Travel Insurance Policy   –> English translation on the bottom of the document

• FeelSafe Intro Video

• Deutsch (Homepage)

Allianz Travel

Travel insurance: safe & airily.

Why to choose Allianz Travel Insurance

• 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

Get to know, what's included in Allianz Travel Insurance

Swipe to view more

Single up to €3.000

Family up to €5.000

Single up to €5.000

Family up to €10.000

Would you like to report a claim?

Customer ratings.

Allianz global customer satisfaction rating

151157 Reviews

That's what clients said about us

Do you need help?

We are glad to inform and advice you about our Travel Insurance!

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• Trattnerhof 2, 1010 Vienna, Austria
• Travel insurance for Austria

for your vacation in Austria

• Our health insurance plans overview

TRAVEL INSURANCE FOR AUSTRIA

Many foreign nationals who spend time in Austria often have no or inadequate insurance coverage. Unfortunately, illnesses and accidents cannot be entirely avoided, which can potentially lead to substantial financial losses.

Whether you are traveling for personal reasons or on business: Our insurance plan will protect against costs for medically necessary treatment.

This insurance plan is available for persons, who are temporarily staying in Austria or other member states of the European Union, Switzerland, Liechtenstein or the Schengen states.

It can be obtained by foreign nationals or Austrian / German nationals with permanent place of residency abroad for more than 2 years. The maximum duration of coverage – including all possible extensions – is two years.

This insurance plan fulfills all official requirements for a Schengen visa. It is not sufficient to meet the needs of MA35 though. Please use this insurance plan to fulfill requirements for stay permits in Austria.

suitable for persons travelling to Austria

entry age 0 – 74

minimum insurance period is 1 day

valid in Austria, EU member states & Schengen area

provided by CareConcept AG

Price overview

Overview of benefits

Terms & conditions, information sheet, insurance cover at a glance.

• inpatient treatment in the hospital (shared room; standard care class)
• outpatient treatment by legally recognised and licensed physicians
• ambulance services to the hospital for inpatient treatment
• coverage of costs for medically prescribed medications and dressings
• coverage of costs for medically prescribed massages, medical packs, and inhalers
• prescription medical aids following an accident
• pain-relieving dental treatment and repair of dental prosthesis
• additional costs for medically necessary repatriation up to EUR 25,000
• transport in case of death / burial costs up to EUR 25,000

MORE USEFUL INFORMATION

• satisifies requirements for a Schengen visa health insurance
• stay in home country up to 6 weeks / policy year for insurance contracts with a duration of 1 year or more (prior written notification required)
• Deductible per insured event EUR 25,00.
• Please refer to the GTCI below for a complete list of benefits. Please note that the English translation is for convenience only. The legally binding version is the German one.

• Netherlands
• Switzerland
• Travel health insurances
• Travel health insurance

Travel health insurance for single trips

Single trip health insurance

• For up to 364 days abroad
• 24-hour travel emergency call
• Calculation of premiums to the day

Up to 65th birthday, excluding USA/Canada

Tariff comparison

• Questions & Answers
• Did you know?
• Book online

Your benefits

Good news for all globetrotters: With HanseMerkur international health insurance, you are optimally covered in the event of illness while travelling. After all, anyone who needs to see a doctor or go to hospital on a trip abroad usually pays for medication and fees themselves. Your international health insurance covers the costs of medical assistance or repatriation home for up to one year. Calculate your premium now and benefit from these services:

Outpatient/inpatient treatments

Medications and surgical dressings

Return transport to Austria

Worldwide insurance cover while traveling

The most important benefits – at a glance

Our tip: annual international health insurance for as many trips as you like.

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

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

Questions and Answers

Any time before departure

You can take out international health insurance at any time before you start your trip. Insurance cover begins at the earliest as soon as you pay the premium and ends on the agreed expiry date. 

Up to 364 days

With our international health insurance for one trip, you can travel for a maximum of 364 days. If you would like to insure yourself on several trips within one year, we recommend our annual international health insurance.

At your agreed expiry date

Our international health insurance for a trip ends automatically on the agreed expiry date. If you take out an annual insurance policy, it is automatically extended for a further year without any action on your part. 

Yes, in the event of travel curtailment

If you end your trip earlier than planned, you can terminate your contract early. To do so, send us written notification within 31 days of the date of departure. Your contract ends when we receive the notice.

Information for emergencies

If you need medical treatment during your stay abroad and have to go to hospital, for example, you are well protected with annual travel protection. You can reach our 24-hour emergency call service around the clock by calling +43-1-3152444. After the underlying event for a claim has occurred, fill out the travel health insurance claim form and return it to us as soon as possible. Alternatively, you can also report your claim online using our online claim form . If we require further documents than those requested in the form, we will contact you.

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• Mobile Pass – digital travel companion

Did you know? Facts about international health insurance

International health insurance: why have it.

Are you working abroad for a few months, completing a semester abroad or planning a longer holiday? With international health insurance, you are covered for up to 364 days against treatment costs in the event of illness. It is particularly advisable to have travel health insurance outside the EU, as doctors and hospitals usually do not accept the Austrian e-card. As treatment costs abroad are often much higher than in Austria, you can quickly incur high costs, especially for inpatient stays. Save your travel funds and book our robust international health insurance from HanseMerkur.

What benefits are included?

Our international health insurance reimburses outpatient and inpatient medical costs for stays of up to one year. This also includes dental treatment, urgent operations and ambulance transport. If you have to return home early, we will refund the partial premium for the unused days. For even more comprehensive protection, we recommend our Premium plan with additionally insured events and higher reimbursement sums. Alternatively, you can book optional liability, accident and travel assistance .

Our savings tip

Do you travel several times a year and not longer than 62 days? Then we recommend our annual international health insurance for worldwide travel destinations – it is often worth taking out for as few as 2 trips per year. If you would like to be even more comprehensively protected, we advise you to take out our annual travel protection including return travel insurance, delay protection and liability insurance.

Important documents for download

All important documents at a glance for printing or saving:

• Insurance terms and conditions
• Insurance covers and price list
• Insurance product information document (Health insurance)
• Insurance product information document (Health + Liability/Accident/Assistance insurance)

International health insurance can be booked directly

Conveniently choose from the following payment methods when booking:

per day (up to the age of 65/excluding USA & Canada)

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

International Health Insurance in Austria

Austria is considered among the most liveable countries in the world. With its rich history, clean air, and stunning natural environment, Austria is a land of opportunity matched by an excellent quality of life.

The country also has a fantastic education system and easy travel links making it a favourite among expats from all over the world. Those working in Austria are automatically enrolled into the public healthcare system. However, if you’re self-employed, a student, or you’d simply prefer a more personal and convenient healthcare experience, getting private medical insurance in Austria could be a more suitable option. Find out more below.

How does the healthcare system work in Austria?

Having healthcare insurance is mandatory in Austria. Paid public healthcare insurance is provided to citizens and expats by the government, along with pension and accident insurance. Free Austrian health insurance is only offered to the unemployed, including pensioners, and those on low income. Funding for the national healthcare system is collected through taxes and insurance e-cards are provided as proof of access.

Once you begin working in Austria, your employer will automatically sign you up to make social contributions, and you will be registered with a public provider. If you’re self-employed or a student, the choice is yours whether you want to access private healthcare or register with the public system. Even if you’re signed up for public access, additional medical insurance can be used to supplement your regular cover and give you more tailored and convenient benefits.

Read our Austria country guide

Pros and cons of using Austria's local healthcare system

• Automatic enrolment – you don’t have to set up the cover yourself.
• Free healthcare if you’re unemployed or on low-income.
• Family members, spouses and dependents could also be covered through ‘co-insurance’.

Vienna tops our best expat cities list

• You cannot choose your healthcare provider – they are automatically assigned.
• You still must make additional payments for your e-card, prescriptions, aids, dentures, and other medical equipment.
• Less flexibility for appointments and choice of healthcare professionals.

How can international health insurance help you in Austria?

Although Austria offers public health insurance, you may find that getting international health insurance is a better option. There’s usually much more flexibility and better benefits on offer with private insurance. Plus, you can get greater peace of mind in knowing that your needs will be met. As public medical insurance in Austria isn’t free to most, why not use your contributions to fund a more suitable and high-quality private policy instead?

Austria makes our Top 10 countries for expat families

Choosing your international health insurance

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Cigna Global Health Options Plans

Worldwide or worldwide excluding USA cover

Annual benefit limit

• Evacuation and Crisis Assistance Plus™
• Health and Wellbeing
• Vision and Dental

Core hospitalisation cover overview:

• Annual benefit limit: $1,000,000
• Inpatient and daypatient treatment
• Private room
• Full cancer care
• Newborn care cover
• Annual benefit limit: $2,000,000
• Inpatient Maternity

Paid in full

• Annual benefit limit: Paid in full
• Mental and Behavioural Health care paid in full

Cigna Close Care℠ Plan

Country of residence + Country of nationality

• Outpatient and Wellness Care
• Dental Care and Treatment
• Annual benefit limit: $500,000
• Condition limit: $250,000
• Semi-private room

Why choose Cigna Healthcare for health insurance in Austria?

• We have over 35 years of experience in offering healthcare services.
• Access medical support in over 200 countries – we have over 1.5m expert health professionals across the globe.
• Get 24/7 access to multilingual service centres.
• We’re not just concerned with physical wellbeing; we also provide services dedicated to improving mental health.

Who needs medical insurance in Austria?

Anyone who stays in Austria for longer than six months is considered to be a resident and therefore must have valid healthcare insurance. If you plan to stay in the country as a student for less than six months, you must obtain travel health insurance.

What does Austrian health insurance cover?

Medical insurance in Austria generally covers doctor visits, hospital stays and a range of treatments. If you were to access private Austria health insurance, you could use these services and more with added flexibility and convenience.

How do I get treatment with Cigna Healthcare?

If you need to access medical treatment while in Austria, simply get in touch with our Customer Care Team . We’ll organise your treatment plan and offer you tailored guidance and support. You can also make and track claims via the members portal.

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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Austria Traveler View

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

• Packing List

After Your Trip

There are no notices currently in effect for Austria.

⇧ Top

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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Travel Insurance for Austria

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

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• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
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• Emergency dental care
• Obstetric care until the 27th week
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• Transportation by medical aviation
• Medical evacuation to the country of residence
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• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

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No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
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• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
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• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
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• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
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• Sudden technical breakdown or damage due to a road accident

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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WAS Discovery Travel Insurance Review: Features, Pros and Cons

Updated: Apr 17, 2024, 9:08am

Reviewed By

The Discovery Plan from WAS Travel Insurance could be a good choice for Aussies looking for a no-frills travel insurance policy. However, it only offers a number of standard features of comprehensive policies as optional add-ons and that can make the policy much more expensive than first meets the eye. Regardless, its unlimited medical cover, high age limit of 99 years, and positive customer reviews makes it a viable option for those in the market for a medically focused, no-frills travel insurance policy.

Related: Best Comprehensive Travel Insurance Providers for Australian

• Unlimited medical
• Generous dental of $2,000
• High age limit
• Luggage and cancellation cover not automatic
• Children not included
• More expensive than competitors

Table of Contents

• Featured Partner Offers

About WAS Travel Insurance

What does was travel insurance cover, does was travel insurance cover me for covid, was pricing comparison, was customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Wise And Silent Travel Insurance, known as WAS, is a Brisbane-based travel insurance company that offers “tailored coverage” to its customers. This tailoring differs from the standard comprehensive travel insurance policies on the market, which usually have a set minimum for standard inclusions for policies, such as lost luggage cover and cancellations.

WAS Travel Insurance is underwritten by Pacific International Insurance Pty Ltd, an Australian insurance company based in Newcastle. While WAS isn’t listed on ProductReview, it has scored a 4.7 star review on TrustPilot from an albeit small number of 39 customer reviews.

Customers highlighted WAS’ staff communication, the ease of applying for coverage, and a “smooth and efficient” claims process.

WAS offers two types of plans, Covid Essentials and Discovery Plan. For the purpose of this review, we analysed the comprehensive option, the Discovery Plan.

As stated, WAS Travel Insurance works a little differently to most travel insurers. Its comprehensive policy is known as the ‘Discovery Plan’, which is available to those aged up to 99 years old and includes unlimited medical in its base cover.

For families travelling together, it’s important to note that children can be added to the policy at a lower rate, but they are not included within a parent/guardians policy as is the industry norm.

Once you start to add to the base cover, WAS Travel Insurance becomes even more complex, with only a handful of medical outcomes covered as standard and far more classified as optional.

For example, credit card fraud is not covered as a standard inclusion; instead, unauthorised use of credit cards can be covered as part of luggage and personal effects, should the policyholder choose to take out this optional extra. Personal liability is not covered automatically, but needs to be selected for coverage up to $2.5 million.

Any trip cancellations are only covered up to the amount chosen by the customer (ranging from $1,000 to $40,000 per customer) and travel delays are covered as optional extras, up to $2,000 per customer. Delays are reimbursed at a rate of $50 per six hours, which is below the industry standard of $200 for every six hours, however no excess applies to these claims. (For missed flight connections, these are only covered should the policyholder choose to add travel interruption cover to their plan.

Rental vehicle excess is also an optional add-on, with the maximum cover of $6,000 for those looking to hire a car during their holiday. In many policies this is covered as standard and does not require the traveller to add it as an optional extra.

Lost Luggage

When it comes to lost luggage, those with WAS Discovery Travel Insurance will need to choose it as an add-on as they are not automatically covered. The lowest option is $1000, while the highest is $10,000 (per traveller).

WAS will only cover an individual item to a limit of $1,000.

WAS Travel Insurance include unlimited medical cover within its comprehensive policy, which extends to additional expenses such as transportation to a medical facility or, in the necessary event, back to Australia.

There is also cover for a medical companion to stay with you during treatment and/or necessary medical-related travel, even if they themselves are not listed on your policy.

Certain pre-existing conditions are also covered if they meet the necessary criteria. The 44 automatically covered conditions include anxiety and depression, diabetes, sleep apnoea and many more.

Other conditions outside of the pre-existing conditions list will not be covered by WAS Travel Insurance.

Covid-19 is included in the unlimited medical cover, which is explained in further depth below.

Is Dental Cover Included?

Dental cover is included in the WAS Travel Insurance Discovery Plan, but not under the unlimited medical expenses. Instead, there is up to $2,000 covered for emergency dental treatment, which is more generous than most insurance policies, which generally top put at $1,000.

Yes, WAS Travel Insurance includes Covid-19 medical expenses within its unlimited medical coverage. It also includes cancellations related to Covid-19, however, that is dependent on how much cancellation cover the policyholder requests.

Related: Travel Insurance And Covid: Are You Covered?

What About Pregnancy?

Pregnancy is covered by WAS Travel Insurance there are unexpected serious complications of pregnancy occuring:

• Up to the 24th week of pregnancy if you’re pregnant with a single child; or
• Up to the 19th week of pregnancy if you’re pregnant with twins or multiple children.

The exclusions include childbirth; the healthcare of a newborn child; pregnancies with existing complications; or pregnancies in which the person has previously had complications with previous pregnancies.

What About Sports and Activities?

WAS covers a range of sports and activities, however, rather than specifying what is covered, it provides a list of the excluded activities being:

• Snow sports;
• Motorcycle or moped riding;
• Racing (except on foot);
• Polo playing;
• Mountain climbing requiring the use of equipment such as pick-axes, anchors, bolts, crampons, carabiners, lead or top-rope anchoring or other specialist equipment;
• Motor sport or motor racing (including training or practice);
• Running with the bulls;
• Professional sports (including training or practice);
• Parachuting, hang-gliding or paragliding; or
• Scuba diving, unless you hold an open water diving certificate or diving with a qualified diving instructor

However, policyholders can choose to add additional adventure packs—snow, motor and cruise—which will then cover them for those sports.

WAS Travel Insurance prides itself on offering budget-friendly insurance policies to Australians; however, the cost of a policy with WAS isn’t as clear cut as many others—largely due to the many different inclusions that one needs to opt-in to.

Forbes Advisor Australia has run quotes against two of our top picks of travel insurance providers for Australians— Travel Insurance Direct and Allianz Travel Insurance —to compare the prices of WAS Travel Insurance when opting-in for a level of cover similar to what these two competitors offer automatically.

As Bali is a top destination for many Aussies, the data below is based on a 28-year-old Australian travelling to Indonesia for a week.

Related: A Guide To Travel Insurance For Bali

This analysis does not include other additional costs that would need to be considered, including sports cover, children travelling, pre-existing medical conditions and so on.

As you can see from the table above, opting in for the same level of cover that is offered as standard by competitors makes the WAS Travel Insurance policy the most expensive of the three.

It’s important to note that policy prices for travel insurance will change for a range of factors, including age, destination, length of trip and any specific needs required by the traveller. The above data is to be used as a guide only.

From the limited reviews online, WAS’ customer service staff members have been hailed as being “very patient and helpful”, with their knowledge “making the experience [of submitting a claim] much less stressful”.

WAS can be contacted by phone or email, with different email addresses and phone numbers unique to the service required (emergency assistance, claims, or general enquiries). The full list can be found online here .

Customers can also submit a form online to be emailed back, and are able to submit claims online or over the phone.

WAS may be a risky choice for some customers who choose to opt-out of the optional extra cover for the sake of saving money and end up being under-insured. Some travellers may not realise the importance of personal liability insurance and fail to select it, which could land them in hot water if an accident was to occur overseas. As a comparison, most other insurers include personal liability insurance as standard in their comprehensive policy: Travel Insurance Direct offers $2.5 million in personal liability, while Allianz offers $5 million—with caveats around snow and adventure packs.

Nevertheless, WAS may be attractive to budget travellers who are happy with a no-frills policy, but want to ensure they’re covered for the basics of medical and dental.

Frequently Asked Questions (FAQs)

Is was travel insurance good.

WAS Travel Insurance did not make Forbes Advisor Australia’s top picks for comprehensive travel insurance , but that doesn’t mean it’s not a good option for Aussies looking for international cover. The comprehensive policy offered by WAS is a build-your-own type of plan, meaning it is tailored to the customer individually in terms of cancellation cover, luggage cover, rental car excess and more.

It may be suitable for budget-conscious travellers looking for a no-frills policy that is focused on medical and dental. However, it’s worth noting that when compared to other insurers on the market, WAS ended up being more expensive once the add-ons were included in the quote.

From 38 customer reviews on TrustPilot, WAS received a rating of 4.7 stars.

What policies does WAS Travel Insurance offer?

WAS Travel Insurance offers two policies: Covid Essentials and Discovery. The Discovery Plan is what would be considered its ‘comprehensive’ offering, considering it allows customers to tailor the plan to suit their needs.

How much does WAS Travel Insurance cost?

The cost of WAS Travel Insurance—like any travel insurance provider—is dependent on many factors: your age, your destination, the length of your trip, and any personal requirements such as higher lost luggage cover for specific equipment or items, whether or not you need cover for certain sports and activities, any pre-existing conditions you need covered, and more.

From a quote Forbes Advisor Australia ran of a 28-year-old going to Bali for one week, paying an excess of $250 and opting in to $2000 of cancellation cover, $10,000 of lost luggage cover, and rental car excess, the total WAS quote came to $141.80, which was higher than competitors.

Related: How Much Does Travel Insurance Cost?

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

• Best Comprehensive Travel Insurance
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• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe

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Best International Travel Insurance for April 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance Companies

Best overall: Allianz Travel Insurance

Best for exotic travel: World Nomads Travel Insurance

Best for trip interruption coverage: C&F Travel Insured

Best for families: Travelex Travel Insurance

Best for long-term travel: Seven Corners Travel Insurance

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TraveSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz travel insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads travel insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners travel insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Which company has the best international travel insurance?

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Is international health insurance the same as travel insurance?

International health insurance and travel insurance serve different purposes. While both may cover medical expenses, international health insurance provides long-term health insurance for working abroad. Meanwhile, travel insurance offers short-term coverage for the duration of your trip. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

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