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
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
Annual Insurance
Pros
- + Cheaper for 2-3+ trips
- + Automatically protected
- + No more worries
Cons
- - Higher one-time payment
- - May be unnecessary for few trips
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