best travel 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

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Do I Need Travel Insurance for Austria?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to Austria

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for an Austria Vacation (2024)

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

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

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

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

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

Compare Austria Travel Insurance Companies

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

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Do I Need Travel Insurance for Austria?

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

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

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

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

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

Cancel for Any Reason Coverage 

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

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

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

Gear Theft Protection

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

Rental Car Protection

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

When buying rental car insurance, consider the following coverage:

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

Trip Cancellation Insurance

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

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

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

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

How Much Does Austria Travel Insurance Cost?

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

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

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

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

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

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

How Do I Get Travel Insurance for Austria?

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

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

Austria Safety Tips

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

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

Crime and Safety

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

Day Trips, Tours and Excursions 

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

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

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

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

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

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

Frequently Asked Questions About Travel Insurance in Austria

Can i claim compensation for delayed flights.

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

More information about trip cancellation compensation can be found here .

Is travel insurance worth it for the European Union?

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

Do I need health insurance for Austria?

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

Do I need to purchase travel insurance before my trip?

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

Methodology: Our System for Ranking Travel Insurance Companies

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

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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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

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Single up to €3.000

Family up to €5.000

Single up to €5.000

Family up to €10.000

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Meet Austria's leading

Travel Insurance

Travel insurance is important.

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

Why it pays to choose Europäische Reiseversicherung

Travel security since 1907 and Covid coverage included

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

The electronic health card is no adequate replacement for travel insurance

Return transport at customer’s request

Comprehensive protection for your luggage

Emergency help with EuropAssistance

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

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

Sustainability

CO2 compensation calculator

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

Do more for people and nature

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

Our travelinsurances at a glance

Annual-CompleteCover

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

Annual-TravelCover

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

Hotel Cancellation Premium

Our top cancellation and accident package for your hotel stay

CompleteCover

Carefree insured with cancellation protection and medical benefits

TravelCover

Medical treatment and services abroad, no cancellation benefits

CoachRailCar-CompleteCover

for self-drivers traveling in Europe

Hotel Cancellation Plus

Cancellation and accident insurance for one hotel stay

CancellationCover

including benefits in case of trip interruption for your journey.

SchoolTripsCover

for pupils and teachers to secure school trips

Event Ticket Cancellation Cover

Cancellation insurance for concerts or subscriptions

CourseSeminarConference CancellationCover

Assumption of the cancellation costs

Corporate Travel Insurance

For business trips, no cancellation insurance included

Emergency assistance

Emergencies: +43 1 504 44 00.

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

Emergency App

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

What is travel insurance?

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

Tele-Traveldoc and Emergency App

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

Get the App

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Austria Travel Insurance and Safety Advice

Safety and travel insurance advice for visitors to austria.

Austria evokes decadent pastries, evenings at the opera, and twirling among green hills like The Sound of Music. It’s perfectly positioned for visitors keen to experience European life. And it’s a beautiful country, with superb health care. But that doesn’t mean there is nothing for travelers to be concerned about. Here’s what you need to know about safety and Austrian travel insurance for visitors to Austria.

Health Concerns for Foreigners in Austria

Tick-borne illnesses are a serious problem in some regions of Austria. Long sleeve shirts and trousers offer hikers sun and mosquito protection. They are also a reassuring barrier against  encephalitis and Lyme disease-carrying ticks.

Pharmacists can advise hikers about the presence of tick-borne encephalitis in the region. And pharmacies are also a convenient spot to buy tick removal kits. You’ll want one by your side should you go hiking and inadvertently pick up a new friend.

Pharmacies are called Apotheke in Austria, and they are widely available, even in small towns.  But while many countries use the terms “pharmacy” and “drugstore” interchangeably, this isn’t the case in Austria. Drugstores, called Drogeries , sell toiletries.

Vaccine Recommendations for Visitors to Austria

The World Health Organization (WHO) recommends routine, up-to-date vaccines for all travelers. This includes diphtheria, tetanus, measles, mumps, rubella, polio, and hepatitis B. A vaccination for tick-borne encephalitis is also highly advisable for hiking in Austria.

General Safety Information

If you’re planning hiking or ski holidays, Austria is where you want to be. But hiking and skiing in Austria is no joke. Always follow best practices for safe trekking and safe mountain sports.  This includes telling someone when to expect your return and remembering to pack in water, food, a change of clothing, and a small first aid kit (with tick-removal tools).

Reported incidents of hate speech are on the rise in Austria. However, at least part of this increase can be attributed to stronger efforts to make prosecution of these crimes uniform across all Austrian provinces. Austrian law prohibits both hate speech and attempts to revive Nazism, which is a growing concern online. Support for the far-right political party, FPO , has increased as Austria has experienced higher refugee application levels. However, in general, Austria is a very safe country. Incidents of serious crime are very low, and it remains a beloved travel destination.

Short-Term Travelers Need To Think About Their Coverage

For travelers without insurance coverage, a routine doctor’s visit can start at about $100. Meanwhile, a more complicated and urgent situation – such as a mountain rescue for a serious skiing injury – can be catastrophically expensive. You don’t want to be stuck without travel insurance.

Best Travel Insurance for Visitors to Austria

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Safe Travels Voyager

• Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
• Cancel for Any Reason available
• Up to $250,000 in emergency medical coverage

Who to Call in Case of Emergency

The nationwide number for emergency medical services in Austria is 144. This number can be called toll-free from any phone (fixed-line, mobile, or phone booth). This also applies to all the other emergency and most of the non-emergency numbers mentioned below.

For the Fire Department, call 122. Dispatchers speak German and at least an intermediate level of English with a focus on medical issues.

Understanding Austria’s Health Care System

Austria has a two-tier health care system. Under this system, virtually all Austrian citizens (over 99%) enjoy a high standard of publicly funded health care. Austrians can also purchase private supplemental insurance. This supplemental insurance is sometimes called “comfort class.” It includes flexible, comfortable, and private care options. International citizens living in Austria can also purchase a global health plan to cover them worldwide.

All employed people (and their spouses and children) are enrolled in the public health care system. Job security for workers on short-term medical leave and longer periods of disability are included. Seniors, students, and those receiving unemployment benefits are also covered.

Expatriate Health Cover in Austria

Employed Expats must pay into the public health care system just like Austrian citizens. As the healthcare system is part of the social security network, there is the option to pay into accident insurance and pension insurance. It’s important to consider your choices in advance. Expats must register with their district health insurance fund (known as a Gebietskrankenkasse ) within one week of starting employment. Happily, payments to the Gebietskrankenkasse are matched by employers, so there’s a bit of compensation for all your hard work. This is just one of the many reasons why Expats adore Austria. A whopping 82% report being satisfied with the quality of healthcare.

If you would prefer Global Health Insurance, Learn About Expatriate Health Insurance Plans

Self-employed Expats have to do some additional paperwork as they don’t have an employer or state agency acting on their behalf. Fortunately, the cost of health care coverage is based on income, with no consideration of health risk factors. Therefore, it represents good value even to Expats with modest revenue.

Best International Insurance for Expats in Austria

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Care in Austria is Always Improving

Since the recession of 2008, public health investments are slowly rebounding. There are occasional political tensions regarding funding and responsibilities as health care in Austria is a joint venture between federal, provincial, and municipal actors. Reforms in 2013 focused on improving the quality of care. Those enrolled in the public health care system are issued an “e-card,”  which allows for the digital processing of health care claims, a streamlined improvement over the previous voucher-based system.

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Visa application, medical expenses, travel delay, trip cancellations /interruptions, baggage & personal belongings, 24/7 emergency assistance, best travel insurance plans for austria travelers.

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To my experince sure i am feel happy….

To my experince sure I am feel happy after my mistaken on wrongly given date coverage. Travelner team can soft my problem fast and great job. Thank you!

Mar 1, 2023

An easy step-by-step process

An easy step-by-step process. The traveller consultants are fast and friendly. The total cost is adequate.

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The whole process was up to my expectations with timing communication. I felt cared.

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ITS BEEN GREAT

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Do I need travel insurance in Austria?

Travel insurance is one of the important documents when you travel in Austria and also ensures your benefits during your trip. So all travelers need to get travel insurance for Austria .

What is the best travel insurance for Austria?

There are many choices of travel insurance for Austria . However, the most pressing issue during your trip will be medical emergencies. So you should select travel insurance that includes health and medical coverage. Travelner provides you with some comprehensive and credible travel insurance packages with health insurance right on the website and mobile app.

How much does travel insurance cost Austria?

The cost of travel insurance to Austria is always less than the expenses you cost in some unexpected events while abroad, particularly medical treatments. As a result, you should not be concerned about the cost of the travel insurance because it is extremely necessary.

Where to buy travel insurance for Austria?

Nowadays, travelers can easily find and purchase travel insurance packages with Online Travel Agency. Travelner is a travel agency that provides a smart platform with diverse services such as international flights, accommodations, and of-course travel insurance in Austria . Visit the Travelner website and mobile app to make a great plan for your trip to Austria.

Get the Best-Suit Travel Insurance Plan for you

Ready to embark on your next adventure with peace of mind? Explore our selection of travel insurance plans tailored to your specific journey today!

Travel Insurance for Austria: Buyer’s Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Austria, with its rich history, stunning landscapes, and vibrant culture, attracts millions of tourists every year. However, like any international trip, traveling to Austria requires preparation, and securing a travel insurance policy should be at the top of your to-do list.

In this comprehensive guide, we will explore everything you need to know about purchasing travel insurance for Austria online, so you can have peace of mind during your trip.

In this article...

Why Do You Need Travel Insurance for Austria?

While Austria is a safe and welcoming country, travel insurance is essential for a number of reasons:

• Medical emergencies: In the event of an accident or illness, travel insurance can cover medical expenses, including hospitalization, medical evacuation , and repatriation.
• Trip cancellation or interruption: Unforeseen circumstances, such as illness, natural disasters, or family emergencies, can lead to trip cancellations or interruptions. Travel insurance can reimburse you for non-refundable expenses, like flights and accommodations.
• Lost or damaged baggage: Travel insurance can provide compensation for lost, stolen, or damaged luggage and personal belongings.
• Personal liability: If you accidentally injure someone or damage their property, travel insurance can cover the legal and financial consequences.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Austrian Healthcare System and Travel Insurance

Austria has a high-quality healthcare system, but treatment costs can be expensive, especially for non-residents.

Travel insurance with comprehensive medical coverage ensures that you can access the best possible care without worrying about the costs.

Visa Requirements and Travel Insurance for Austria

Austria is part of the Schengen Area, which means that travelers from certain countries may require a Schengen visa to enter.

One of the requirements for obtaining a Schengen visa is having valid travel insurance with a minimum coverage of €30,000 for medical expenses and repatriation.

How to Buy Travel Insurance for Austria Online

Purchasing travel insurance online is a convenient and hassle-free way to secure coverage for your trip to Austria. Here’s a step-by-step guide on how to do it:

• Research and compare policies: Start by researching different travel insurance providers and comparing their policies. Look for comprehensive coverage , including medical, trip cancellation, baggage, and personal liability. Be sure to read reviews and check the provider’s reputation for customer service and claims processing.
• Get quotes: Once you have identified potential providers, request quotes for your trip. Input your travel details, such as destination, duration, and age, to receive accurate pricing information.
• Review policy details: Carefully review the policy details, including coverage limits, exclusions , and deductibles. Ensure that the policy meets your specific needs and offers adequate coverage for your trip to Austria.
• Purchase your policy: Once you have chosen a policy, you can purchase it online using a credit card or other secure payment method. Be sure to review the policy documents and keep a copy for your records.

Tips for Choosing the Best Travel Insurance for Austria

• Know your needs: Consider the specific needs of your trip, such as planned activities, pre-existing medical conditions, and the value of your belongings. Choose a policy that offers the appropriate coverage.
• Check coverage limits: Ensure that the coverage limits are sufficient, especially for medical expenses and repatriation.
• Read the fine print: Understand any exclusions or limitations in the policy to avoid surprises later.
• Choose a reputable provider: Select an insurance provider with a strong reputation, good customer service, and efficient claims processing.

Travel insurance is a must-have for any trip to Austria, providing protection and peace of mind for travelers.

By researching policies, comparing quotes, and carefully reviewing policy details, you can find the best travel insurance for your needs and enjoy a worry-free Austrian adventure.

Remember to take your policy documents with you and keep the contact information for your insurance provider handy in case of emergencies.

With the right travel insurance in place, you can focus on exploring the beautiful cities, stunning landscapes, and rich culture that Austria has to offer.

So, before you embark on your journey, invest time in finding the right travel insurance policy. By doing so, you can ensure that your trip to Austria is not only memorable but also secure. Happy travels!

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January 16, 2020

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

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Excellent protection away from home

Our highlights – the most popular travel insurance policies

Health insurance for foreign guests

With the health insurance for foreign guests in Austria, you protect yourself for up to 364 days in case of illness or accident. 

Annual travel health insurance

Travel as often as you like. You are always protected from medical and hospital costs.

Cancellation and travel protection

All-round protection for individual travellers, families & groups – with all important travel insurance in one package.

Austria cover for foreign guests

Austria cover provides you with comprehensive protection against cancellation, illness and accident.

Excellent services for carefree travel

Worldwide 24-hour Emergency-Call Service - we are available for you around the clock in urgent emergencies

Our products are regularly awarded by renowned test institutes

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Save contract data digitally on your smartphone or tablet with the Mobile Pass

The right travel insurance for every holiday

Young Travel Health insurance for your stay in Austria

Do you plan a longer stay in Austria, for example as an au pair, intern or student? Protect yourself from high costs in the event of illness or accident.

Cancel­la­tion & travel protec­tion insurances

All-round protection for individual travellers, families & groups - all important travel insurances in one package.

Travel health insurances

A must for every trip: With international health insurance, you are covered like a private patient.

Incoming travel insurance for guests

Foreign guest insurances for Austria and the Schengen area.

News – the latest information from HanseMerkur insurance

Travel insurance in comparison.

With our insurance comparisons, you can find all travel insurance policies from our range at a glance. Compare benefits, terms and scope of cover in seconds.

Which travel protection for whom?

Whether it's Work & Travel, a semester abroad or a business trip – we have the right insurance cover for everyone. Find out here which insurance cover we recommend specifically for your trip. 

Mobile Insurance Passport for your smartphone

No more printing insurance documents – with HanseMerkur's new "Mobile Pass", you can now save your policy data digitally on your smartphone or tablet.

Hand in hand that’s HanseMerkur

Hansemerkur travel insurance – enjoy the best coverage, anywhere in the world.

An annual holiday on the Mediterranean, a semester abroad in Australia or club trip to Mallorca – wherever you are in the world: HanseMerkur offers private individuals and business people comprehensive protection if something happens. For example, we cover the costs in the event of travel cancellation and curtailment, as well as illness or accidents abroad – without incurring a deductible. In addition, the experts in our Travel Assistance Team are there for you around the clock in case of irregularities or emergencies abroad. 

Travel insurance: A major plus for your safety and security when on holiday

Once a year for a summer holiday or when travelling regularly on the road – depending on how often you travel, we offer you suitable offers with individually tailored insurance cover: For example, holiday insurance for individual trips or travel insurance for any number of trips per year. If you are not travelling by plane, then  insurance cover for bus, train and car is the right choice. If you are driving yourself and are about to travel, for example, with your family by car or motorhome, we recommend travel insurance for Austria & Europe. Your advantage: With the combination of travel cancellation insurance and travel curtailment insurance, you are comprehensively covered both before your holiday against a possible trip cancellation – for numerous cancellation reasons – and during your holiday against an unexpected trip interruption. In addition, travel health cover is included for stays in other European countries.

If you travel several times a year, our annual travel insurance policies with and without cancellation protection are often worthwhile for as few as 2 trips a year. There is no deductible. The product range is rounded off by international health insurance for long-term stays, a particularly favourable travel insurance policy for groups and an attractive insurance solution as an individual insurance policy.

You not only want yourself, but also your luggage, to enjoy optimal protection when travelling? Luggage protection is an integral part of our cancellation and travel protection packages, as well as within our annual travel insurance policies. If your luggage is lost, damaged or even destroyed en route, we will reimburse you for the current value of the items you are carrying. 

Hanseatic tradition meets modern customer understanding 

Hand in Hand is what HanseMerkur is all about – this guiding principle is based on our core values of "security" and "partnership". As an independent insurer with a long tradition in Hamburg, we have been proving for over 140 years that customers and partners can rely on our insurance cover. In the travel sector, we have been convincing customers for over 40 years with high-performance offers – before the trip, when on the road abroad and back home. This includes providing advice, suitable travel insurance for different needs and uncomplicated claims handling. You too can benefit from our many years of experience in travel insurance. Get your personal quote now and take out your travel protection directly online.

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.

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Booking restrictions

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

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, austria travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Looking for travel insurance to Austria? Maybe you’re already booked your holiday and are ready to go! If so, InsureandGo offer a range of travel insurance policies for Austria no matter where in the country you’re going, or what you’ll be getting up to.

All of our Austria travel insurance covers over 50 activities as standard . We’ll consider all medical conditions  and have  no upper age limit! So get in touch today or simply get a quote online .

Before you buy holiday insurance to Austria, there are a few things to think about:

• The activities you’re likely to be doing – if you’re going skiing you’ll need our winter sports insurance , and for more hazardous activities we have adventure and extreme sports cover .
• How much emergency medical cover you’ll need and whether there’s a chance you’ll need repatriation.
• The total cost of your trip – think about the money you’ve spent on flights and hotels, as well as the cost of your baggage. You need to know you can get your money back if something happens.
• Always check the  latest travel advice from the FCDO.

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with our travel insurance to Austria?

As standard, Austria travel insurance will include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

We hope you have a great time away, so here are some things about Austria that you might need to know:

Do I need a visa for Austria?

Not just for a holiday. As a British Citizen you can stay in Austria, and the rest of the Schengen area, for up to 90 days in any 180 day period without needing a visa. Entry requirements can change though, so you should keep up to date with the FCDO advice .

How much is travel insurance to Austria?

Austria travel insurance doesn’t have to be expensive. The exact price you pay will depend on things like how long you’re staying, whether you have any medical conditions, and which cover level you choose. Travel insurance for Austria is included in our European annual multi-trip policies or, if you’re only going away once this year, we have single trip travel insurance to Austria.

Is travel insurance to Vienna included?

Yes, our travel insurance to Austria covers the whole country, including the capital, Vienna.

Healthcare in Austria

When travelling you should carry your free European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC), which can be used in Austria. This will cover emergency medical treatments you might need at public healthcare centres or hospitals. However, it’s important to still have travel insurance to Austria to cover the costs of any unexpected hospital bills the EHIC/GHIC might not cover, or repatriation costs.

Find more information about  healthcare in Austria here .

Can I get assistance if I fall ill or injure myself while in Austria?

Yes – In the unfortunate event of needing emergency medical treatment while abroad, our 24-hour assistance team are always on hand to help you.

All our Austria travel insurance includes access to our medical assistance team .

• Unlimited emergency medical expenses available on Black level policies.
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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

15 things you need to know before going to Austria

May 25, 2024 • 7 min read

Lake Hallstatt proves that it's worth making time to venture beyond Vienna © svetikd / Getty Images

Whenever someone asks me about my favorite country, I answer “ Austria ” wholeheartedly. This small but mighty place is a bottomless treasure chest and I feel honored to have grown up here and still call it home. 

There are some things you should know before embarking on your Austria adventure. With these insider tips – covering everything from transportation to table manners – and a few astounding facts up your sleeve, you'll have all the intel you need for a smooth and memorable trip.

1. Spend at least a week in Austria

While it might be tempting to hop over and explore Vienna on a weekend break or pass through on a whirlwind European tour, do yourself a favor and plan to stay at least an entire week in Austria. The country is so much more than its (admittedly incredible) capital. Make time to venture into the countryside and explore lesser-known places such as Steyr in Upper Austria, Leoben in Styria or Lake Millstatt in Carinthia.

2. Skip Vienna's CAT and take the local train instead

The city airport train (CAT for short) is heavily advertised throughout Vienna airport, kind of implying that it’s the only option. But there are several other ways to get to the city center, including bus and express train, that are cheaper than CAT tickets. These usually won’t take longer than 25 minutes. The quickest way is to hop on ÖBB’s Railjet which will get you to the main station within 15 minutes.

3. Consider arriving by (night) train

Austria is well-connected train-wise. If you are planning a bigger Europe trip, or have the time and means, skip the plane and opt to arrive by train instead. There’s a plethora of options during the day and connections to more than 25 cities in seven countries with the ÖBB Nightjet .

4. An ÖBB Vorteilscard will save you lots when planning a train-based trip

Austria’s railway network is pretty extensive and will get you to most places comfortably and on time. Keep an eye out for Sparschiene tickets. These are discounted tickets for certain days and times. If you like to be more flexible and plan to take multiple train journeys in Austria, sign up for a Vorteilscard  online. It’s €66, valid for an entire year, and entitles you to a 50% discount on all train journeys operated by ÖBB (except for night trains).

Trains, ferries and bikes: our best tips for getting around in Austria .

5. Always buy a ticket for public transportation

In Austria, you can hop on any train or tram (and even most buses) without having to show a ticket, unlike other European cities such as London. Here it’s a trust-based system. Check out ÖBB’s “SimplyGo!” app, activating your journey online before you get on the train, bus or tram and then deactivating it when you arrive. You’ll be billed the next day and won’t be caught trying to cheat the system. Be aware that the app uses GPS to help you get the cheapest ticket, so could eat your international roaming data. However, many bigger train stations and trains offer free WiFi.

6. Head to a local bakery

Austrians love their Gebäck (pastries) in the morning and Jause (open sandwich) in the evening. Seek out a traditional local bakery and explore what’s on display. Each type of bread roll has a different name, and there are more pastries than you could ever imagine. And did you know that croissants are not French but an Austrian invention?

7. On Sundays, we rest

We take the weekend seriously. Most shops, including supermarkets, are closed on Sundays. There might be some farmers’ markets or flea markets taking place, but stores in general are closed. Some bakeries and smaller supermarkets in bigger train stations such as Vienna main station or Linz main station are open, but with a very limited selection.

8. Most Austrians have never seen or heard of The Sound of Music

When I travel abroad, especially in the Americas, people often mention The Sound of Music when they find out where I’m from. Funnily enough, most Austrians have never even heard of the musical film from 1965 with Julie Andrews that won five Academy Awards – so it's probably not the best conversation starter.

9. Don’t mistake Austrians for Germans

Don’t ever compare Austrians to Germans and suggest they are the same. The two countries share a bit of friendly rivalry, similar to the USA and Canada, Chile and Argentina, and England and Scotland.

While we speak the same language (on paper), Austria’s dialects across the nine states vary greatly – and some of them aren’t even understood by fellow Austrians. We might have some cultural similarities with the Germans, but you’re not doing yourself a favor by saying that out loud. Stay away from that topic during the day – but if you're going out with local friends in the evening, you could start a conversation to get their unique take on it.

10. Greetings have evolved

Before the pandemic, it was a firm handshake on business occasions and when meeting for the first time – or a kiss on each cheek for friends and family. The handshake has returned after a weird fist bump intermezzo during the pandemic. Friends and family still do the two kisses on the cheeks, but often combine them with a hug – or just hug and leave out the kisses.

If you are unsure how to greet someone, stick to the handshake and if the other person reaches out for friendly cheek kisses, then go with it – if that’s what you want.

11. When in Vienna…

Vienna has developed into a magical metropolis that offers it all – with a twist. Don’t take it personally when a waiter or waitress in the capital hardly looks at you, snaps, or doesn’t seem to be overjoyed to see you. That’s part of the Viennese spirit.

12. Never order Schnitzel with sauce, opt for lingonberry instead

Austrian cuisine is hearty and for those with a sweet tooth. In most restaurants, you’ll find Wiener Schnitzel on the menu. While in neighboring countries, schnitzel is served with sauce, never ever pour sauce on your Schnitzel in Austria. The breaded meat (traditionally veal, but most often served in a pork or turkey version) is crispy, and you don’t want to drown it. Traditionally, it is served with lingonberry jam instead – trust me on that, it is delicious.

Top tip: Whenever eating with other people, wait until everyone is served and then start your meal together.

Eat your way through Austria with our food and drink guide .

13. Tipping isn't mandatory, but it is appreciated

There are big cultural differences when it comes to tipping across the world. In Austria, there’s no set rule of tipping 5% or 20%. If you liked the service and the food, round up to the next euro(s). If you weren’t happy, don’t feel pressured to leave a tip. 

14. There are hardly any scams, but look out on the train from the airport

Austria is one of the safest places you can travel to, whether you're visiting with friends and family or traveling solo. But it's wise not to keep your wallet in your back pocket or an open purse. One place I’d be particularly wary of my belongings is the train from the airport to Vienna main station. Don’t put your backpack or carry-on in the overhead compartments, and watch your luggage. 

15. Enjoy the Trinkwasser

Austria’s tap water is ranked among the best in the European Union. Straight from the alps through the pipes into your glass. No need to buy bottled water during your stay in Austria. Bring your own reusable bottle and simply enjoy the tasty and refreshing tap water. Did you know that even most lakes are of such excellent quality that they qualify as potable water?

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FinanceBuzz

8 Reasons It’s Worth It To Buy Travel Insurance (And 6 Times To Skip It)

Posted: July 12, 2023 | Last updated: April 7, 2024

Life is full of unexpected events and complications, and that doesn’t stop just because you’re traveling. If anything, travel may have even more surprises than your day-to-day life at home.

Travel insurance can help you avoid wasting money if you have to cancel a trip due to illness, need medical coverage while you’re traveling, or send you home for medical reasons.

However, it may not always be necessary and can sometimes be a waste of money. Keep reading to learn when you should and shouldn’t opt for travel insurance.

Compare the best travel credit cards for nearly free travel

Safety net for international travel

The number one reason people buy travel insurance is to cover an expensive trip. And if you’re traveling overseas, chances are your travels will cost a lot of money.

In addition, there are potential complications when it comes to international travel, from losing luggage during connecting flights, missed or canceled flights, sickness, and more.

And if something catastrophic happens in a foreign country, travel insurance provides evacuation so you can get home safely.

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Medical coverage

Getting sick or injured is unpleasant enough when you’re in the comfort of your home, but it’s a new beast entirely when you’re abroad.

Generally, you can expect basic medical expenses to be covered through your travel plan, often including dental. Medicare will not cover medical expenses in a foreign country. If you’re traveling overseas, travel insurance for potential medical costs is worthwhile.

Cover rental car mishaps

Renting a car is a great way to get around when traveling because you can explore a place on your own. Using taxis or ride-share services may cost more money. However, even the best drivers make mistakes, and no one can protect themselves from reckless drivers.

Your U.S. car insurance won’t cover you when driving in a foreign country. So choosing the car-rental insurance option when you buy travel insurance may be a good move.

Be aware that most travel insurance rental-car plans cover collisions and may not cover medical expenses, damages to other cars or property, or personal property damage or loss.

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Pre-existing conditions often aren’t covered

Unfortunately, as with many health insurance plans, travel insurance often won’t cover pre-existing conditions. Travel health insurance is usually meant for unforeseen illnesses or injuries instead of complications due to an existing medical issue.

Even travel insurance companies that cover pre-existing issues often only cover physical maladies and exclude mental conditions and typical pregnancy-related symptoms and complications.

Protect lost luggage

A big fear for travelers is losing their luggage, either having it not arrive at the destination or stolen during their trip. Most airlines will offer reimbursement for luggage they lose, but it can take quite a while for this to process.

Travel insurance will cover the cost of replacing your clothing and other items while you wait for your luggage to be located and can also cover theft and damage.

Cover valuable items and gear

You should consider buying travel insurance if you’re traveling with valuables, including expensive jewelry, art, or even pricey sporting or adventure gear.

You’ll need to talk to the insurance agency specifically about covering your valuables, as they may need to be insured separately. Depending on your homeowners insurance policy, your jewelry may be covered even when you travel.

Sporting goods, including golf clubs, will not be covered by your homeowners insurance if you’re traveling, so you will need travel insurance to replace them if they’re lost, damaged, or stolen.

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Emergencies happen

While we do our best to prepare for the worst-case scenario, we can’t stop life from happening. Things like medical emergencies, a death in the family, or other catastrophes can halt your travel plans.

If you have travel insurance, rescheduling or cancellation fees will be covered, allowing you to deal with the emergency at your own pace. You won’t have to worry about losing the money spent on the trip and subsequent fees.

Natural disaster coverage

Are you planning a fall trip to the Gulf Coast or Florida? Consider your travel destination and the time of year you're going.

If you’re visiting someplace prone to natural disasters, especially seasonal occurrences like tornadoes, hurricanes, wildfires, and such, travel insurance can help you recoup your money should these events interrupt your travel plans.

Similarly, if a natural disaster occurs during your trip, often, insurance will pay to move you to a more secure location.

Extreme adventures may not be covered

Your insurance will most likely cover typical travel-related injuries but don't expect your medical bills to be covered if your itinerary involves extreme adventures or dangerous exploits.

Surfing, sailing, kayaking, bungee jumping, scuba diving, skiing, snowboarding, and other extreme sports do not fall into everyday illnesses or injuries. For these activities, consider getting a specific plan for adventure activities.

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Shaky travel companies

If you booked your trip through a travel company and it goes bankrupt, travel insurance may provide a safety net to ensure you get your money back.

Airlines, cruise ships, travel companies, and other travel-related businesses suffered during the pandemic, and many may not be on solid financial ground yet.

This may not be covered in a basic insurance plan, so make sure your agent adds financial default coverage if you are concerned about the health of your travel provider. 

In the situation any company or organization closes or is otherwise inoperable during your trip, you’ll be covered.

Now let’s look at times you may not need travel insurance.

Your credit card offers travel protections

Before purchasing travel insurance, consider which credit card you have. Many of the top credit cards  offer travel protections.

Some protections you may already have include lost luggage, rental car insurance, trip delay, and trip interruption or cancellation.

Credit card programs often don’t cover medical or other interruptions, so consider your priorities before choosing this option.

You have a domestic trip

If you’re traveling within the U.S. and its territories, travel insurance may not be necessary. For example, you won’t need medical coverage as your health insurance should be honored nationwide.

Domestic travel is also usually much less expensive. If you’re taking a cheap, last-minute, or nonstop flight and staying at an inexpensive hotel or rental, the cost of travel insurance may not be worth it.

One exception might be a family trip to Disney World. The estimate for a trip for a family of four in 2023 is more than $6,000, so travel insurance might be money well spent in this case.

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Don’t add expense to cheap trips

Not all travel is planned. Whether traveling for work, a family emergency, or just a last-minute vacation, you likely don’t need insurance in these circumstances. Odds are, you’re packing light, and both your flight and hotel are relatively inexpensive.

In these scenarios, the things insurance covers won’t be relevant, including baggage loss, flight cancellations, hotel issues, and so on. 

Not only will these costs likely be minimal, but they can be disputed with your airline or hotel, although it may take a little while to get your money back.

The airline has a flexible rebooking policy

If you’re buying travel insurance to cover the cost of rescheduling a flight, you’re better off purchasing a refundable ticket at a higher price. And some airlines have more flexible policies now.

Many airlines allow last-minute ticket changes and will even help you reschedule your flight within a specific timeframe. The timeframe and policy vary by airline, and you may be subject to a nominal cancellation or rebooking fee, but it will be significantly less than insurance.

Insurance will not cover political unrest

One emergency situation insurance probably won’t cover is war or political unrest. If you’re visiting a location with political tensions and your trip is canceled as a result, don’t expect your insurance to cover the costs.

Insurance companies generally follow the travel advisories the U.S. State Department issued for medical and political situations.

Similarly, insurance won't cover these costs if you have to leave your trip early for safety concerns. Consider your destination's political environment before booking your travel or buying insurance.

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Your hotel may cover cancellations

Many hotel cancellation policies have tiers depending on the booking you make. For example, some may have free cancellation within a specific period, while others charge different rates for rooms booked as non-refundable or partially refundable.

If your sole reason for purchasing insurance is hotel flexibility, consult with the hotel before you book. They may have a policy as flexible as your insurance or can work with you should something unexpected arise.

Penalty-free cancellations for major hotels tend to be around 24-48 hours prior to arrival.

Bottom line

Travel insurance may be pricey, but it’s a lifesaver in many situations. However, in others, it’s overkill and a waste of money.

Every travel situation is different, so consider your specific needs when purchasing. And, if you want more money to cover your insurance, consider these ways to make extra cash for travel funds.

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6 Best Travel Insurance with COVID-19 Coverage in Singapore (May 2024)

COVID-19 might be the last thing on your mind…but it could be the first thing to ruin your next trip. Whether you end up quarantined overseas or have to cancel the holiday entirely, there are plenty of ways COVID-19 could make a vacation go awry. And that’s before you consider things like lost luggage, flight delays , getting pickpocketed, and more.

Good news—there’s an easy way out. Before you jet off to your  dream travel destination , don’t forget to buy travel insurance . Covering you for your potential travel disruptions, travel insurance is the next most important thing besides your flight ticket!

Most insurance providers have added COVID-19 coverage to their travel insurance plans, but to varying extents. Some have COVID-19 as an optional add-0n that you have to purchase. Coverage wise, some providers offer far better COVID-19 protection than others.

Find out how to choose, what to look out for, and the cheapest travel insurance you can buy with our comparison of the best travel insurance with COVID-19 coverage  in Singapore and their ongoing promotions.

Promotions are generous this May 2024— you could even win a Rolex Oyster Perpetual 124200 34mm Silver (worth S$9,000) or a Samsonite Robez 68/25 EXP (worth S$550)—we’re giving away 1 every week!

Best Travel Insurance in Singapore with COVID-19 Coverage (2024)

• Best travel insurance with COVID-19 coverage

Bubblegum Travel Insurance

• FWD travel insurance
• Starr travel insurance
• MSIG travel insurance
• Singlife travel insurance
• Etiqa travel insurance
• Cheapest travel insurance in Singapore
• Does travel insurance cover COVID-19?
• How do I choose the best travel insurance policy with COVID-19 coverage?
• What do I do if I test positive for COVID-19 during or after travelling?

1. Best travel insurance with COVID-19 coverage

With the sheer number of travel insurance providers out there, it can be overwhelming to compare everything against everything else. We know that pain, because that’s exactly what we’ve just done.  Wipe away those tears of exasperation— we’ve done the legwork for you and picked out the top 6 travel insurance plans in Singapore:

Why are these the top 6? We’ve compared them based on affordability, COVID-19 cover inclusion, emergency medical coverage, and trip cancellation coverage. (If you’re an adventure seeker, that’s more niche—refer to this article for all the best travel insurance for extreme sports and outdoor adventure instead.)

Ready to dive into the deets? We compared the coverage and prices of most popular  travel insurance plans with COVID-19 coverage in Singapore. So if you’re looking for a specific type of coverage for your travel needs, e.g. high trip cancellation coverage, this is a better summary table for you to work with:

Note: All travel insurance options above are before promotional discounts are applied. Unless otherwise stated, all include COVID-19 coverage.

Back to top

2. Bubblegum Travel Insurance

Bubblegum travel insurance  is a great option if you’re looking for fuss-free, essential coverage at affordable rates. Bubblegum’s travel insurance model is simple, offering just 1 travel insurance plan. Here are its pricing and coverage benefits:

If fuss-free, essential travel insurance is your top priority, we think Bubblegum is a good option for you. Their travel insurance is all-inclusive with coverage for travel inconveniences like cancellations and delays, and also gives you coverage for COVID-19 related expenses at no additional cost.

If you’re a thrill-seeker looking at adventurous activities, Bubblegum Travel Insurance will also cover you for hot air ballooning, scuba diving and skiing, with no restriction on height or depth.

Bubblegum travel insurance promotion

Total Premium

[Receive your cash as fast as 30 days*]    • Enjoy 10% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$25  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Key Features

Bubblegum offers just 1 affordable plan to suit all your travel needs to maximise your savings

Overseas medical expenses up to $150,000 SGD (Covid-19 sub-limit of $65,000 included)

24-Hour global Emergency Assistance services including Emergency Medical Evacuation and Repatriation

Covid-19 trip related cancellation/curtailment up to $600 SGD included

Adventurous activities like scuba diving and hot air ballooning are covered with no limit on depth or height.

Bubblegum is currently offering a 10% discount on all their travel insurance plans. That means you can cover a 7-day trip to ASEAN with just $38—about $5+ a day !

Truth is, the discount is even greater when you consider the fact that Bubblegum will also give you an eSIM and iShopChangi vouchers when you purchase Bubblegum travel insurance:

• Eskimo Global 1GB eSIM with every policy purchased.
• Up to S$25 via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.

Promotion valid till 31 May 2024.

3. FWD Travel Insurance 

FWD travel insurance offers some of the cheapest travel insurance plans in Singapore, so this is a budget-friendly option which still offers you great value for every dollar. I like that coverage for emergency medical evacuation is unlimited for all tiers, and overseas medical expenses go up to a generous $1,000,000.

Here’s a quick run-through of the price and benefits offered by FWD travel insurance plans:

When you’re purchasing FWD travel insurance, the COVID-19 benefits are an add-on. The price of the COVID-19 add-on costs between $11 to $22  depending on the part of the world you’re travelling to. If you choose to add it on, it’ll give you comprehensive coverage of the following:

• Trip disruption
• Trip cancellation
• Overseas hospital cash
• Hospital cash while in Singapore
• Medical expenses
• Emergency medical evacuation and repatriation

The plan reimburses your travel-related expenses if you are diagnosed with COVID-19 no more than 30 days before your scheduled departure date, or if you have to change your itinerary because of a COVID-19 diagnosis while overseas. You also get to claim medical expenses and a hospital cash benefit if you get hospitalised overseas or for up to 14 days in Singapore upon your return.

On top of that, there’s also an automatic policy extension of up to 21 days should you be prevented from travel as per foreign government regulations due to:

• You contracting COVID-19; or
• You or your travel companion needing to be self-isolated due to being in close contact with someone diagnosed with COVID-19

Read the full T&Cs of FWD’s COVID-19 coverage .

FWD travel insurance promotion

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]       • Enjoy up to 35% off your policy premium • Get S$20 iShopChangi e-voucher   and Eskimo Global 1GB eSIM with every policy purchased. T&Cs apply.       BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly       Increase your chances of winning when you refer friends  today. T&Cs apply

Enjoy cashless medical outpatient treatment in Singapore, access to emergency assistance and your travel policy documents through the FWD SG app!

Add on coverage for COVID-19 available for both Single & Annual Trips for travel period of 90 days or less.

Optional add on coverage available when your trip is cancelled for any reason for Single Trips. (To be purchased within 7 days of your initial trip deposit for your trip).

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$150,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

Plan Highlights

Covid-19 protection, leisure activities.

Currently, you can take 25% off the prices for all FWD travel insurance tiers. That brings the rate for a 7-day ASEAN trip down to $25 to $43, or just $3+ to $6 a day !

Plus, receive  S$20 iShopChangi e-voucher and an Eskimo Global 1GB eSIM with every policy purchased.

We haven’t gotten to the really good part yet. Purchase FWD Premium , FWD Business , or FWD First travel insurance and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

• 1x Rolex Oyster Perpetual – 124200 34mm Silver (worth S$9,000)
• 1x Samsonite Robez 68/25 EXP (worth S$550) weekly

Increase your chances of winning by referring your friends.

Valid till 31 May 2024.

4. Starr Travel Insurance

Starr’s travel insurance   Starr TraveLead Comprehensive is a leader in terms of how customisable their insurance is. When signing up, medical coverage (including COVID-19 coverage) is automatically included in all plans, but you can choose whether or not you want to add trip coverage (e.g. document loss, travel delay) and baggage coverage (e.g. baggage delay). Then, you can also easily add riders for Golf Protection, Cruise Vacation, Scuba Diving, and Snow Sports.

Starr TraveLead Comprehensive comes in 3 tiers: Gold , Silver and Bronze . While all are pretty comprehensive (as the name suggests), we advise you go for at least Silver . This affords you $500,000 overseas medical coverage, as well as $30,000 medical coverage for COVID-19 and $250 coverage for COVID-19 related trip curtailments and cancellations. You won’t get the COVID-19 trip curtailment/cancellation coverage in the Bronze plan, which only offers $15,000 for COVID-19 medical coverage. Better be safe and  go for Silver or Gold.

Here are the prices and coverage amounts for each tier. Prices are given with trip coverage included in the plan.

Note: Starr also has a travel insurance called Starr TraveLead Essential, which also comes in Bronze , Silver and Gold tiers. They look very attractive because of their low prices—for example, Starr TraveLead Essential Bronze costs just $20 for a 7-day trip to an ASEAN destination.

However, unless you’re on a really tight budget, I wouldn’t recommend these plans because of their more limited coverage. For example, while the Starr TraveLead Essential Bronze plan does cover you for $200,000 worth of overseas medical expenses (which is already the bare minimum), it doesn’t cover you at all for trip cancellation and loss/damage of baggage. Neither do the Silver or Gold tier plans.

Starr Travel Insurance promotion

Starr TraveLead Comprehensive Silver

[ Win a Rolex, Samsonite Luggage & More!   | FLASH DEAL]   • Enjoy 50% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$50 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.    BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly    Increase your chances of winning when you refer friends  today. T&Cs apply

For Cruise to nowhere insurance: Find out more here

Flexible coverage allows you to create a travel insurance plan with different types of coverage and add-ons that can adapt to your needs

Overseas Covid-19 related medical expenses of up to $30,000 SGD included (Excluding China).

Covid 19 Trip related cancellation/curtailment up to $250 SGD included (Excluding China).

Covers Travel Expenses for return of Child(ren) during the hospitalisation of the insured person.

No sublimit or restriction on outpatient expenses and number of visits

24 hours Global Emergency Assistance Services help you when you need it most, connecting you with medical treatment and transportation

Seamless and Cashless claims via PayNow

Please note that travelling to Russia and Ukraine is not covered in Starr’s insurance with immediate effect.

With the ongoing 50% discount promotion on Starr travel insurance, prices are very affordable. Coverage for a week-long ASEAN trip is just $27 (under $4 a day), while a trip of the same duration to countries like USA costs $33 (under $5 a day).

Plus, you’ll receive attractive gifts when you buy Starr travel insurance on MoneySmart:

• Get  an Eskimo Global 1GB eSIM  with every policy purchased.
• Additionally, receive  up to S$50  via PayNow  OR   1 x Apple AirTag  (worth S$45.40) and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

The best part? Purchase Starr TraveLead travel insurance of any tier and stand a chance to win over $11,000 worth of prizes in our Grand Draw ! Prizes include:

5. MSIG Travel Insurance

MSIG travel insurance is categorised into 3 plans— Standard , Elite , and Premier . The cheapest, basic plan still offers pretty adequate coverage in medical emergencies and trip cancellations or delays.

Here’s a quick run-down of the plan’s key benefits:

One more unusual area of coverage that MSIG includes is emergency dental expenses. You get $5,000 to $15,000 in coverage, depending on the travel insurance tier you select.

MSIG’s Areas A and B refer, roughly speaking, to ASEAN and Asia respectively. Here’s a more comprehensive list of the countries in each category:

• Area A : Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand and Vietnam
• Area B : Australia, China (excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area A
• Area C : Worldwide

MSIG Travel Insurance’s COVID-19 coverage is an automatic inclusion to its travel insurance plans and offers the following coverage:

• Trip cancellation, postponement, shortening, disruption
• Replacement of traveller
• Overseas medical expenses
• Emergency medical evacuation
• Overseas quarantine daily cash allowance

This is quite a decent list of benefits, but do note that daily hospital cash allowance is missing from the list.

MSIG travel insurance promotion

MSIG TravelEasy Standard

[ Win a Rolex, Samsonite Luggage & More!   | MoneySmart Exclusive]     • Enjoy up to 40% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and  up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.     BONUS: For a limited time only, there are over   S$11,000 worth of prizes  to be given away in our Grand Draw . Stand a chance to score: • 1x   Rolex Oyster Perpetual - 124200 34mm Silver (worth S$9,000) • 1x   Samsonite Robez 68/25 EXP  (worth S$550) weekly     Increase your chances of winning when you refer friends  today. T&Cs apply

COVID-19 coverage of up to $150,000 medical cover and up to $1,500 travel inconvenience benefit for your trip protection.

Packaged tour coverage for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies).

Get covered across all TravelEasy Plan types with a high limit of S$1,000,000 for emergency medical evacuation & repatriation

MSIG provides cover for insolvency of licensed travel agencies registered with the Singapore Tourism Board (includes NATAS registered travel agencies)

Currently, you can take 40% off all MSIG travel insurance plans with their ongoing promotion. That means your 7-day ASEAN trip now costs just $37 to $70 to cover compared to $62 to $116.

On top of the 40% discount, you’ll receive these goodies with your MSIG travel insurance purchase:

• Get an Eskimo Global 1GB eSIM with every policy purchased.
• Additionally, receive up to S$45 via PayNow OR 1 x Apple AirTag (worth S$45.40) and up to S$20 iShopChangi e-voucher with eligible premiums spent.

You’ll also stand a chance to win big in our Grand Draw , which has over $11,000 worth  of prizes up for grabs. These include:

6. Singlife Travel Insurance

Singlife travel insurance comes in 3 tiers— Lite , Plus , and Prestige . The price you pay and the coverage you’ll get increase with each plan.

Here are Singlife travel insurance’s key prices and benefits:

On top of the coverage above, Singlife also covers you for chiropractor and/or Chinese physician treatment : $250 ($50 per visit) for Lite, $500 ($75 per visit) for Plus, and $1000 ($100 per visit) for Prestige.

As far as COVID-19 coverage goes, here’s a quick run-down:

• Emergency medical evacuation, repatriation
• Overseas quarantine allowance
• Trip cancellation, postponement, interruption

While Singlife travel insurance’s coverage for non-COVID medical expenses, travel delay and trip cancellation is comprehensive, we have to dock some points for the lack of overseas hospital cash allowance and pretty low COVID-19 trip cancellation coverage.

Also, do note that the lowest tier, Lite, doesn’t come with certain coverage, such as trip cancellation or postponement for any reason and COVID-19 overseas quarantine allowance.

Singlife travel insurance promotion

Singlife Travel Plus

[Receive your cash as fast as 30 days*]     • Enjoy 25% off your policy premium • Get an Eskimo Global 1GB eSIM with every policy purchased. • Additionally, receive up to S$30  via PayNow and up to S$20 iShopChangi e-voucher with eligible premiums spent.  T&Cs apply.

Covers trip cancellation and trip curtailment for any reason, T&Cs apply.

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas and in Singapore.

Coverage for loss of frequent flyers points, hotel points & credit card points.

Payout of S$100** should your trip be affected by excessive rainfall.

**For single trips (minimum 3 days) where more than 50% of trip duration is affected by rainfall levels of >6.4mm in a 24-hour period.

Seamless claims experience with PayNow

It’s a win-win situation—get 25% off your Singlife travel insurance premiums with these goodies thrown in:

•  Get  an Eskimo Global 1GB eSIM  with every policy purchased.
• Additionally, receive  up to S$30  via PayNow and  up to S$20 iShopChangi e-voucher  with eligible premiums spent.

7. Etiqa Travel Insurance

Do you hate making travel insurance claims? I do. That’s why when a friend of mine told me that you don’t need to make any claim on Etiqa to receive compensation for your flight delay, I was very intrigued.

I’ve been fortunate—all my recent flights have left on time. But from what I’ve heard from friends who weren’t as lucky on their recent travels, it’s true that Etiqa has the most seamless claim process for flight delays . All you need to do is enter your flight details when purchasing your insurance. Etiqa will monitor your flight and know if your flight is delayed (to count as a delay, it needs to be pushed back at least 3 consecutive hours). If that happens, they’ll transfer money into your Etiqa TiqConnect eWallet—even if you don’t submit a claim! You can then encash that sum via PayNow.

On top of this travel delay claim benefit, Etiqa also provides flight check-in reminders and baggage belt collection details via SMS when you land. I experienced this myself when I bought Etiqa’s travel insurance for my trip to the UK this year. Now that’s what I call service.

Etiqa’s travel insurance is called Tiq Travel Insurance  and comes in 3 tiers: Tiq Entry , Tiq Savvy , and Tiq Luxury . Here are their costs and coverage components:

Tiq Entry is sufficient to give you essential coverage for travel disruptions. But if you’ve just a little more to spend, go for Tiq Savvy . This will more than double your coverage limit for overseas medical expenses from $200,000 to $500,000 for just an additional $5 a week—that’s less than $1 a day.

[MoneySmart Exclusive | FLASH SALE]     • Enjoy 40% off your Single Trip policy premium and 60% off Covid-19 add-on for Annual Plans. T&Cs apply • Get S$10 iShopChangi e-voucher with every policy purchased.  T&Cs apply.     [Etiqa's 10th Year 2024 Grand Draw] Stand a chance to win S$10,000 cash or a Singapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth S$173) with eligible Etiqa/Tiq by Etiqa plans purchased. T&Cs apply.

Comprehensive COVID-19 add-on, protecting you before, during and after your trip

Covers Cruise to Nowhere

Get paid upon a 3-hour flight delay, even without submitting a claim

Instant claims encashment via PayNow

24-hour worldwide emergency travel support

The only disadvantage to Tiq travel insurance is that COVID-19 coverage is not included in the base price and you’ll have to pay for their optional  COVID-19 Add-On to be covered. Some people might say this is an advantage—it gives you a greater degree of flexibility to decide if you want to have COVID-19 coverage or not, especially as COVID-19 becomes less and less prevalent. However, the fact remains that you need to pay extra for it compared to travel insurance plans where COVID-19 coverage is already included.

Here’s how much the COVID-19 Add-On will cost for a 7-day trip:

Costs are based on quotes generated on Etiqa at time of publishing.

To be covered for travel disruptions and medical expenses related to COVID-19, you’ll need to add the costs above to the base Tiq travel insurance prices.

Etiqa travel insurance promotion

Comprehensive Covid-19 add-on, protecting you before, during and after your trip

Enjoy  40% off Tiq Single Trip Travel Insurance plans —that means your week-long ASEAN trip now costs just $23 instead of $39 under Tiq Entry.

Getting annual travel insurance instead? Get  60% off the COVID-19 add-on for Annual Plans!

From now till 15 Aug 2024, purchase Tiq travel insurance to enter  Etiqa’s 10th Year 2024 Grand Draw . 5 lucky winners will walk away with  $10,000 cash , and 150 will receive a S ingapore Mint Lunar Dragon 1 gram 999.9 fine gold medallion (worth $173)!

8. Cheapest travel insurance in Singapore

When I buy travel insurance, I don’t really care whether the insurer has 900 years of experience or if the plan comes with extra coverage for Chanel bags. Just give me the cheapest travel insurance plan can  l iao !

If that sounds like you too, you’ll be glad to know we’ve done the legwork for you. After assessing the most popular travel insurers in Singapore, the honour of cheapest travel insurance in Singapore goes to… FWD travel insurance .

FWD Premium

Optional add on coverage available for pre-existing Medical Conditions for Single Trips plans (up to 30 days) with S$50,000 coverage for medical expenses incurred overseas and 50% co-payment for trip cancellation, postponement and more!

But as the old saying goes, you get what you pay for. Will you regret being a cheapskate and lose out on important coverage if the only number you look at is the price?

In a way, yes. Because FWD travel insurance is only the cheapest option with 2 caveats.

Firstly, travel insurers have limited-time discounts all the time. This is no secret. It does, however, make it difficult to compare prices when an expensive plan is on 40% off but a cheaper one is on 10% off. That’s why for the table above, we compared base prices without discounts .

But when you take into account promotional prices, which plan is the cheapest? There’s no need to open a million tabs to compare every travel insurance plan out there. Just use our travel insurance comparison tool  with the “Lowest Price” filter on. You’re welcome!

The second caveat is this: FWD came out the cheapest when we looked at its price  without its COVID-19 add-on. If you’re looking for a travel insurance plan that includes coverage for disruptions due to COVID-19 (which you should!), the real winners are  Amex travel insurance and  Singlife travel insurance .

Singlife Travel Lite

Covers trip interruptions or cancellations due to COVID-19 and cover your medical treatment should you contract COVID-19 whilst overseas.

Covers rental vehicle excess up to S$500.

Payout of S$50** should your trip be affected by excessive rainfall.

At the end of the day, ask yourself what specific travel insurance coverage you want to have, and assess the travel insurance options to find one that suits your needs.

Need some help? Read our travel insurance guide to understand all you need to know about choosing the best travel insurance. Don’t forget to use our travel insurance comparison tool to seamlessly compare plans across different providers in Singapore. We also have a comparison tool for travel insurance in Hong Kong !

9. Does travel insurance cover COVID-19?

When the COVID-19 pandemic started, most insurers did not extend their coverage to COVID-19-related mishaps. (Read more here .) The pandemic was quickly considered a “known event”, which insurers usually do not offer compensation for. So, if your flight got cancelled because of COVID-19, you’d be out of luck trying to get your insurance claims approved.

Now that practically all travel restrictions are lifted, insurance companies are rushing for a slice of the pie. Since the virus looks like it’s here to stay, most insurers are offering coverage that includes specific benefits for COVID-19. Where COVID-19 benefits aren’t already included in the policy, insurers offer an optional COVID-19 rider you can pay for to add on to the existing regular coverage.

Read your policy documents carefully to see if COVID-19 is covered, and add it on if you need to.

10. How do I choose the best travel insurance with COVID-19 coverage?

COVID-19 coverage  can vary quite a bit from insurer to insurer . When you’re shopping for the best insurance policy,  there are 4 things you want to look out for when it comes to choosing the best travel insurance with COVID-19 coverage:

• Medical expenses coverage

Do note that the plans still exclude travelling against a travel advisory put in place by the Singapore government or by the local authority at your trip destination. Meaning, if your destination country goes on red alert for COVID-19, visitors are highly likely to come into contact with the virus and your insurance is highly likely to reject any COVID-19 claims. So be sure to check announcements on both ends before you depart.

Another common exclusion is failing to take precautions against COVID-19. This is worded kinda vaguely in those lengthy insurance policies, but could include not following any COVID-19 regulations at your destination or on the plane. So make sure you wear your mask whenever it’s required (or even when it’s not, if you want to play extra safe) and don’t attend any illegal raves.

11. What do I do if I get COVID-19 during or after my travels?

First of all, when booking your trip, you should retain all receipts, tickets and itineraries in case your trip has to be cancelled or altered.

At the first sign of a COVID-19 infection or related travel disruption, you should call your insurer and ask for guidance. Many insurers maintain a 24-hour hotline for travel claims. Save that number before you depart Singapore so that you aren’t stuck somewhere without wi-fi or 4G to Google the hotline.

To make a claim , you will usually have to submit your insurer’s form with supporting documents by the deadline mentioned in your contract (usually 30 days). Don’t wait until you’re back in Singapore to check which documents you need.

If you catch COVID-19 while you’re in Singapore , you will likely have to submit the results of a PCR Swab Test or Antigen Rapid Test conducted at a clinic or hospital.

It gets a bit more complicated if you’re overseas . The insurer will likely require documentation from the hospital as well as a doctor’s letter stating that you are unfit to travel and/or recommending treatment.

If you need to be quarantined overseas , you should make sure you have a quarantine order from the government, otherwise you may not be able to claim for quarantine allowance. Remember to ask for this as not all countries automatically issue such documentation.

ALSO READ: COVID-19 Travel Insurance Claim Guide

Planning to get travel insurance for your next trip? Learn how to claim for COVID-19 here!

About the author

Vanessa Nah  is a personal finance content writer who pens articles on the ins and outs of travel insurance, the T&Cs of credit cards, and the ups and downs of alternative investments. She’s a researcher at heart and leaves no stone unturned when it comes to breaking down complex finance concepts and making them easy to understand for the everyday Singaporean. When Vanessa’s not debunking finance myths, you’ll find her attending dance classes, fingerpicking a guitar, or (most im paw tently) fulfilling her life mission to make her one-eyed cat the most spoiled and loved kitty in the world.

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