Whether cancellation, illness, or lost luggage - good travel insurance protects you from unexpected costs. Compare the best offers now and save up to €200.
The 6 Components of Travel Insurance
❌
Trip Cancellation Insurance
Covers cancellation costs if you cannot start your trip
🔙
Trip Interruption Insurance
Reimburses extra costs for early trip termination
🏥
Travel Health Insurance
Covers treatment costs and medical repatriation
🤕
Travel Accident Insurance
Protection for accidents during the trip
⚖️
Travel Liability Insurance
Covers damages you cause to others
🧳
Luggage Insurance
Replaces stolen or damaged luggage
Is the E-Card Enough?
The Austrian E-Card provides coverage in EU/EEA countries, but has important limitations:
What the E-Card does NOT cover:
- Medical repatriation (often €10,000-50,000!)
- Treatment outside the EU
- Montenegro, Serbia, Bosnia-Herzegovina
- Private hospitals abroad
- Mountain rescue and helicopter transport
Why additional insurance makes sense:
Which Insurance for Which Travel Type?
| Package | Best for | Includes |
|---|---|---|
| Cancellation/Interruption | Expensive package tours, cruises | Cancellation costs, interruption costs |
| Travel Protection | Active holidays, long-distance travel | Health insurance, accident protection |
| International Health Insurance | All travel outside EU | Doctor, hospital, repatriation |
| Complete Package | Frequent travelers, families | All 6 components combined |
Valid Reasons for Trip Cancellation
Unexpected serious illness
Accident before departure
Death in the family
Pregnancy (complications)
Unexpected job loss
Divorce/separation
Failed examination
Court summons
Annual vs. Single Trip Insurance
Single Trip Insurance
Pros
- + Affordable for rare trips
- + Tailored to the trip
- + No commitment
Cons
- - More expensive for multiple trips
- - Need to purchase each time
Recommended: For 1-2 trips per year
RECOMMENDED
Annual Insurance
Pros
- + Cheaper for 2-3+ trips
- + Automatically protected
- + No more worries
Cons
- - Higher one-time payment
- - May be unnecessary for few trips
Recommended: For frequent travelers & families
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