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Travel Insurance: Austria

Compare travel insurance for Austria

published: 07 January 2021
Read time: 5 minutes

Austria is a beautiful country bursting with high culture, with many great museums, galleries and concert halls. Here’s what you need to know before you visit

Do I need travel insurance for Austria?

Travel insurance is essential if you’re planning a holiday in Austria. So much can go wrong, and if you fall ill, have an accident, lose your baggage or something is stolen while you’re on holiday, your travel insurance policy will cover you for the inevitable expense.

Travel cover also provides financial protection if you need to cut short or cancel your trip in an emergency – knowing you’re covered means you can relax and enjoy your holiday.

Hallstatt, Austria. Mountain village in the Austrian Alps at sunrise.

What type of travel insurance do you need for Austria?

Austria is covered under any European travel insurance policy. When you’re comparing travel insurance policies with MoneySuperMarket, your trip will fall into one of the following categories:

  • One holiday to Austria only: If you are only taking one trip, select single-trip travel insurance and put Austria as your destination

  • One trip to Austria and other countries: If you are visiting other countries during the same trip, select multi-trip insurance and then pick each country you plan to visit as multiple destinations. If you are backpacking, select backpackers’ insurance

  • Several holidays throughout the year that include the USA, Canada or the Caribbean: You might be able to save money by selecting an annual multi-trip travel insurance policy. If you plan to visit the USA, Canada or somewhere the Caribbean, you need to select a worldwide policy that covers these countries

  • Several holidays throughout the year that do not include the USA, Canada or the Caribbean: Again, you could save by selecting an annual multi-trip travel insurance policy. If you don’t plan to visit the USA, Canada or the Caribbean, you can select a worldwide policy that excludes those countries

What should your Austrian travel insurance include?

A good travel insurance policy for Austria should include the following:

  • Cover for medical expenses, usually up to a limit of £5m. The European Health Insurance Card (EHIC) - and its new replacement the Global Health Insurance Card (GHIC) will continue to be accepted in Austrian hospitals for Brits needing treatment even though Britain is no longer in the EU. But it only covers emergency healthcare and should not be a substitute for good travel cover.

  • Cover for the cost of bringing you back to the UK, otherwise known as ‘repatriation’

  • Cover for the cancellation or curtailment of your holiday, in case you have to head home earlier than planned or an emergency prevents you from going in the first place

  • Delay and missed departure cover, in case events beyond your control (such as a car breakdown) cause you to miss your flight

  • Travel abandonment cover, for unusual circumstances where the journey to your destination becomes unfeasible

  • Baggage cover, in case your belongings are lost or stolen during your trip. Make sure you include cover for any particularly costly items you’ll have with you, such as jewellery

  • Passport cover, because getting a replacement for a lost or stolen passport while abroad can be both complicated and costly

  • Personal liability cover, protects you in case something you do causes injury to someone else, or the loss or damage of their possessions

Austrian travel insurance: Exclusions and what to watch out for

Many standard travel insurance policies won’t include the following:

  • If you have a pre-existing medical condition, or you’ve had one in the past for which you’ve received advice or treatment, you may find you’re charged a higher premium for your policy if you want your condition to be covered. You might even have to take out a special policy for pre-existing conditions

  • Cover for unexpected incidents that may affect your holiday, like civil unrest, war, terrorism and natural disasters

  • Cover for accidents or injuries that can be linked to you drinking too much

  • Cover for travel to locations that the Foreign, Commonwealth & Development Office (FCDO) has said British holidaymakers should avoid

  • Cover for accidents or injuries that happen during sporting activities such as skiing and snowboarding. If you know you’ll be doing something adventurous while in Austria, check to make sure you have adventure or winter sports cover in place first

How much should my travel insurance excess be?

The excess on your travel insurance is the amount you will have to pay before your travel insurance company will pay out on a claim. While a higher excess might reduce the cost of your cover, you shouldn’t increase it to the point that you wouldn’t be able to afford to pay it if you made a claim.

When should my travel insurance policy start from?

Start your travel insurance policy from the day you book your trip, not from the date when you are planning to travel. If you delay the start of your policy, you will not be covered if you unexpectedly need to cancel.

Top travel tips for Austria

Austria is a global capital of high culture and gorgeous scenery, and to get the full experience you’ll probably want to pack your opera glasses and your crampons. But just in case you don’t own either of these, we’ve collected a few other vital tips to make sure your holiday to Austria goes perfectly.

  • Land of museums: For such a small country, Austria boasts an astonishing wealth of incredible museums and galleries. The most famous are the Museum of Fine Art, which contains internationally significant works by Rubens, Rembrandt, Michaelangelo, Raphael and Bruegel the Elder, and the National History Museum, which manages to combine a huge collection of meteorites under the same roof as a 30,000-year-old statue of a woman known as the Venus of Willendorf. You have to pay a fee to get into most places, but entry is free for many sites at certain times

  • Pack for all weather: The kindest thing that can be said about the Austrian climate is that it can’t make its mind up. Pack for every eventuality, as snow is common until April and late summer storms frequent

  • See Salzburg: Vienna is beautiful, but Mozart’s home city, in the west of the country near the Austrian border, is in a league of its own. From picturesque medieval streets to the Mozart museum in the house where he was born

  • Hit the slopes: Nestled in the Alps, Austria is a popular destination for winter sports for good reason. And if you are going, don’t forget your winter sports insurance

  • St Stephen’s Cathedral: One of Vienna’s iconic sights, this high gothic cathedral has stood for nearly 700 years and is renowned for its architecture and interior art – which includes a face of Christ with a beard made from real human hair

  • Classical music: Austria is beloved by classical music fans, both because of the composers it has produced and the performances and festivals it still holds. The State Opera is a particular destination, and (relatively) cheap concessions are available

  • Enjoy the local food: Austrian cuisine is best understood as hearty – it’s famous for wiener schnitzel (veal fried in breadcrumbs), knoedel (dumplings) and tafelspitz (boiled beef). It’s all delicious, but hardly light on the palate

  • Walk the Danube: This wide, winding river crosses much of central Europe, and the Austrian portion is studded with gorgeous abbeys, villages and castles. It’s an ideal route for a picture-postcard hike

Compare travel insurance policies before you buy

While travel insurance for Austria is a necessity, the price of a policy varies. Different companies will sell the same level of cover at completely different prices, so it’s important to compare before you buy.

MoneySuperMarket’s comparison tool asks you a few simple questions about you and your holiday: where you are going, how long for and what you want your policy to cover, and in just a couple of minutes you can compare prices from a range of leading travel insurers.

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