What are the best travel insurances for Austria in 2025?

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The best travel insurance for Austria
  • Current travel safety in Austria
  • Is travel insurance required for a visa for Austria?
  • Why take out travel insurance for Austria?
  • The coverage included in travel insurance for Austria
  • The cost of travel insurance for Austria
  • How to pay less for your travel insurance to Austria
  • Can I rely on my current insurance to cover me in Austria?
  • FAQ
  • On the same topic
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Travel insurance for Austria: key takeaways

1. Definition: Travel insurance for Austria covers medical emergencies, trip cancellation, and other unforeseen events.
2. Key protection: Insurance is not required for US citizens, but it protects against high overseas medical costs.
3. Healthcare cost: Austrian healthcare is excellent but costly; a hospital night can exceed $1,000 for foreign visitors.
4. Price: A one-week travel insurance plan for Austria typically costs between $30 and $60.
5. Good to know: Ensure your policy covers adventure sports like skiing or hiking if you plan these activities.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for Austria.

The best travel insurance for Austria

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MExcellent for comprehensive travel in Austria.
- high ceiling for medical emergencies
- repatriation included
- modern claim process
Cap Assistance 24/24$1.1MWell-suited for short or multi-city trips to Austria.
- 24/7 assistance
- no deductible
- covers cancellations
Tourist Card$545kGood choice for tourists seeking value and safety.
- solid medical cover
- emergency assistance included
- budget option
Travel Pass Monde$765kBalanced coverage for travel in Austria.
- in-patient and out-patient reimbursement
- covers repatriation
- wide area acceptance
Globe Partner$330kDependable for frequent or long stays.
- emergency medical care abroad
- repatriation protection
- civil liability cover
Globe Traveller$545kCost-effective for shorter or low-risk trips in Austria.
- basic medical needs covered
- quick reimbursement
- simple, essential guarantees
Comparison of recommended travel insurance contracts for Austria.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Excellent for comprehensive travel in Austria.
- high ceiling for medical emergencies
- repatriation included
- modern claim process
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Well-suited for short or multi-city trips to Austria.
- 24/7 assistance
- no deductible
- covers cancellations
Tourist Card
Medical reimbursement limit
$545k
Our view
Good choice for tourists seeking value and safety.
- solid medical cover
- emergency assistance included
- budget option
Travel Pass Monde
Medical reimbursement limit
$765k
Our view
Balanced coverage for travel in Austria.
- in-patient and out-patient reimbursement
- covers repatriation
- wide area acceptance
Globe Partner
Medical reimbursement limit
$330k
Our view
Dependable for frequent or long stays.
- emergency medical care abroad
- repatriation protection
- civil liability cover
Globe Traveller
Medical reimbursement limit
$545k
Our view
Cost-effective for shorter or low-risk trips in Austria.
- basic medical needs covered
- quick reimbursement
- simple, essential guarantees
Comparison of recommended travel insurance contracts for Austria.
👉 Compare the best travel insurance for freeI compare

Current travel safety in Austria

As of June 2025, the US Department of State considers Austria a safe destination for US travelers, requiring only normal precautions. No areas of Austria are currently under official warning or restriction.

Here are their four main recommendations.

  • Security risks: petty thefts are the main risk, especially pickpocketing on public transportation and major train routes like Vienna to Budapest or Prague. Demonstrations can turn violent and should be avoided.
  • Health risks: there are no vaccination requirements, and medical care is excellent in cities such as Vienna, Salzburg, and Innsbruck. However, all medical services must be paid by tourists, and US Medicare does not apply.
  • Legal constraints: Austria enforces strict regulations regarding passport validity, requiring it to remain valid for three months after departure from the Schengen area. Carrying drugs, including cannabis, is illegal and heavily penalized even for small amounts.
  • Cultural norms: public intoxication or loud behavior, especially in historic districts such as Vienna’s Innere Stadt, is not tolerated and may result in fines. Respect for quiet hours in residential areas is strictly enforced.

Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Austria.

Is travel insurance required for a visa for Austria?

No, travel insurance is not mandatory for US travelers to obtain a visa or enter Austria for a tourist stay of less than 90 days.

It is still highly recommended because health care in Austria, while of high quality, can be expensive for visitors who are not covered by the Austrian health system. Emergency evacuation back to the US is not included and can involve significant out-of-pocket expenses.

According to our data, 50% of travelers purchase travel insurance before going to Austria. Austria is a very safe country in Europe, but travelers may face high health care costs without insurance coverage.

Why take out travel insurance for Austria?

It is an essential financial and medical protection for anyone going to Austria.

In Austria, health care for foreigners is of high quality but can be costly without insurance. Private hospitals like Wiener Privatklinik in Vienna and private clinics in Salzburg or Innsbruck often charge significant fees for consultation, emergency surgery, or inpatient care. US travelers cannot use public health insurance, and US Medicare does not provide coverage abroad, leaving visitors to pay the full cost of medical services.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US in case of a serious incident.

Here are some examples of healthcare costs in Austria.

Example of medical treatmentCost at Wiener PrivatklinikCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection€2,200 (about $2,380)Up to full reimbursement
I broke my tibia (X-ray, cast, and crutch rental)€1,500 (about $1,620)Up to full reimbursement
I need to be repatriated€25,000 (about $27,000)Up to full reimbursement
I have appendicitis (consultation and surgery)€5,350 (about $5,780)Up to full reimbursement
I have to be hospitalized 48 hours after contracting an infection
Cost at Wiener Privatklinik
€2,200 (about $2,380)
Covered by travel insurance
Up to full reimbursement
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Wiener Privatklinik
€1,500 (about $1,620)
Covered by travel insurance
Up to full reimbursement
I need to be repatriated
Cost at Wiener Privatklinik
€25,000 (about $27,000)
Covered by travel insurance
Up to full reimbursement
I have appendicitis (consultation and surgery)
Cost at Wiener Privatklinik
€5,350 (about $5,780)
Covered by travel insurance
Up to full reimbursement

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

The coverage included in travel insurance for Austria

Main coveragesExplanations and recommendations
🏥 Medical expensesPays for hospital care, physician visits, medication, and emergencies in Austria, which are expensive for US travelers.
We recommend a minimum limit of $150,000 for medical expenses.
🚑 Emergency evacuation and repatriationCovers ambulance transport within Austria and repatriation to the US in case of serious illness or accident.
A limit of at least $250,000 is suggested due to high costs.
💼 Lost or stolen baggageRefunds for lost, stolen, or damaged luggage during your stay.
Opt for at least $2,000 coverage for baggage and valuables.
⏱️ Trip cancellation/interruptionReimburses prepaid expenses if you must cancel or shorten your trip for a covered reason.
For Austria, a benefit of at least $5,000 per person is prudent.
👨‍⚕️ Personal liabilityProtects you if you unintentionally injure someone or damage property in Austria.
Choose at least $250,000 personal liability coverage for robust protection.
💊 Emergency dental carePays for treatment following sudden dental pain or injury abroad.
A limit of $1,000 will cover most needs during your trip.
🚕 24/7 assistance servicesConnects you with support for medical emergencies, travel help, and translation anytime.
Ensure unlimited support for any situation during travel in Austria.
⚖️ Legal assistance abroadHelps pay for legal costs if you encounter a dispute or legal issue while traveling.
At least $10,000 in legal coverage is recommended for Austria.
Table of main insurance coverages with explanations and recommendations for a trip to Austria.
🏥 Medical expenses
Explanations and recommendations
Pays for hospital care, physician visits, medication, and emergencies in Austria, which are expensive for US travelers.
We recommend a minimum limit of $150,000 for medical expenses.
🚑 Emergency evacuation and repatriation
Explanations and recommendations
Covers ambulance transport within Austria and repatriation to the US in case of serious illness or accident.
A limit of at least $250,000 is suggested due to high costs.
💼 Lost or stolen baggage
Explanations and recommendations
Refunds for lost, stolen, or damaged luggage during your stay.
Opt for at least $2,000 coverage for baggage and valuables.
⏱️ Trip cancellation/interruption
Explanations and recommendations
Reimburses prepaid expenses if you must cancel or shorten your trip for a covered reason.
For Austria, a benefit of at least $5,000 per person is prudent.
👨‍⚕️ Personal liability
Explanations and recommendations
Protects you if you unintentionally injure someone or damage property in Austria.
Choose at least $250,000 personal liability coverage for robust protection.
💊 Emergency dental care
Explanations and recommendations
Pays for treatment following sudden dental pain or injury abroad.
A limit of $1,000 will cover most needs during your trip.
🚕 24/7 assistance services
Explanations and recommendations
Connects you with support for medical emergencies, travel help, and translation anytime.
Ensure unlimited support for any situation during travel in Austria.
⚖️ Legal assistance abroad
Explanations and recommendations
Helps pay for legal costs if you encounter a dispute or legal issue while traveling.
At least $10,000 in legal coverage is recommended for Austria.
Table of main insurance coverages with explanations and recommendations for a trip to Austria.

Travel insurance from local providers or bank cards usually limits coverage and includes many exclusions. For greater peace of mind, choose a trusted insurer with comprehensive coverage. Compare top plans on HelloSafe and buy online for instant proof.

The cost of travel insurance for Austria

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$23
2 weeks45 years old$37
1 month35 years old$53
1 month70 years old$109
1 week
Traveler’s age
25 years old
Indicative price per person
$23
2 weeks
Traveler’s age
45 years old
Indicative price per person
$37
1 month
Traveler’s age
35 years old
Indicative price per person
$53
1 month
Traveler’s age
70 years old
Indicative price per person
$109

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The cost of travel insurance is influenced by several key elements: your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like a cancellation option. It's important to keep these factors in mind to find a policy that fits both your needs and your budget.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to pay less for your travel insurance to Austria

Here are some suggestions to optimize the cost of your travel insurance to Austria while keeping good coverage:

CriteriaWhy it mattersExpert tip
🧑 Traveler's ageAge affects premiums, especially for older travelers, which can make coverage more expensive.Choose insurers such as Heymondo, who do not increase prices for people over 62, for more stable and affordable rates.
🗓️ Trip durationThe length of your stay in Austria influences how much you pay for insurance.Accurately match the insurance policy period to your travel dates and avoid paying for unnecessary extra days of coverage.
👨‍👩‍👧 Family or group coverageGroup policies often offer significant discounts compared to purchasing separate plans.Look for family or group policies, as these are frequently more cost-effective than multiple individual plans.
💳 Deductible levelHigher deductibles lower premiums, but you must pay more if you need to use your insurance.Select a deductible you can cover if needed, and compare options to save money on your premium.
🏥 Level of coverageAustria’s healthcare is high-quality and affordable, so extremely high coverage may not be needed.Standard medical and evacuation coverage is usually sufficient, unless your situation requires higher limits for risk factors.
🎿 Type of activitiesWinter sports and certain activities are not included in basic policies, which can add costs.Only include coverage for activities you plan to do, and skip “winter sports” unless necessary for your trip to Austria.
🎒 Extra protectionsAdd-ons like luggage or electronics insurance can increase the cost if not relevant.Limit coverage to essentials, and avoid optional extras such as baggage or electronics, unless you need this protection.
Factors to consider when selecting travel insurance for a trip to Austria.
🧑 Traveler's age
Why it matters
Age affects premiums, especially for older travelers, which can make coverage more expensive.
Expert tip
Choose insurers such as Heymondo, who do not increase prices for people over 62, for more stable and affordable rates.
🗓️ Trip duration
Why it matters
The length of your stay in Austria influences how much you pay for insurance.
Expert tip
Accurately match the insurance policy period to your travel dates and avoid paying for unnecessary extra days of coverage.
👨‍👩‍👧 Family or group coverage
Why it matters
Group policies often offer significant discounts compared to purchasing separate plans.
Expert tip
Look for family or group policies, as these are frequently more cost-effective than multiple individual plans.
💳 Deductible level
Why it matters
Higher deductibles lower premiums, but you must pay more if you need to use your insurance.
Expert tip
Select a deductible you can cover if needed, and compare options to save money on your premium.
🏥 Level of coverage
Why it matters
Austria’s healthcare is high-quality and affordable, so extremely high coverage may not be needed.
Expert tip
Standard medical and evacuation coverage is usually sufficient, unless your situation requires higher limits for risk factors.
🎿 Type of activities
Why it matters
Winter sports and certain activities are not included in basic policies, which can add costs.
Expert tip
Only include coverage for activities you plan to do, and skip “winter sports” unless necessary for your trip to Austria.
🎒 Extra protections
Why it matters
Add-ons like luggage or electronics insurance can increase the cost if not relevant.
Expert tip
Limit coverage to essentials, and avoid optional extras such as baggage or electronics, unless you need this protection.
Factors to consider when selecting travel insurance for a trip to Austria.
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Important

Essentials such as health care, emergency evacuation, and liability are sufficient for most US travelers to Austria. Add-ons can raise the total cost without providing much extra benefit for a standard trip.

Can I rely on my current insurance to cover me in Austria?

It is reasonable to wonder if your current coverage, such as public or private health insurance or credit card insurance, will protect you when traveling to Austria. Unfortunately, these options are often limited or insufficient for international trips. Here is a summary table to help you review your current insurance and what it covers.

Type of InsuranceValid in Austria?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverOnly valid in the US. No coverage for overseas emergencies, medical evacuation not included.Travel insurance covers $100,000+ in medical care plus full evacuation support.
Private health insuranceYes, partlySome emergency care abroad, but usually capped under $10,000, excludes evacuation costs.Travel insurance reimburses $100,000+, covers evacuation, and hospital stays.
Classic credit card (Visa Classic, Mastercard Standard)Yes, partlyLimited medical (max $5,000), generally excludes baggage, trip cancellation, or evacuation.Travel insurance covers $100,000+ plus baggage loss, cancellation, and repatriation.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)Yes, partlyMedical up to $50,000, moderate baggage/trip delay, pre-existing conditions often excluded.Travel insurance covers $100,000+, includes evacuation, baggage, and full assistance.
Comparison of Insurance Coverage for Travel to Austria
Public health insurance (Medicare, Medicaid)
Valid in Austria?
No, never
What it covers
Only valid in the US. No coverage for overseas emergencies, medical evacuation not included.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical care plus full evacuation support.
Private health insurance
Valid in Austria?
Yes, partly
What it covers
Some emergency care abroad, but usually capped under $10,000, excludes evacuation costs.
Why Travel Insurance is better
Travel insurance reimburses $100,000+, covers evacuation, and hospital stays.
Classic credit card (Visa Classic, Mastercard Standard)
Valid in Austria?
Yes, partly
What it covers
Limited medical (max $5,000), generally excludes baggage, trip cancellation, or evacuation.
Why Travel Insurance is better
Travel insurance covers $100,000+ plus baggage loss, cancellation, and repatriation.
Premium credit card (Chase Sapphire Preferred, Amex Gold, Visa Signature)
Valid in Austria?
Yes, partly
What it covers
Medical up to $50,000, moderate baggage/trip delay, pre-existing conditions often excluded.
Why Travel Insurance is better
Travel insurance covers $100,000+, includes evacuation, baggage, and full assistance.
Comparison of Insurance Coverage for Travel to Austria
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Example

While skiing in the Austrian Alps, Mark tore his ACL. The helicopter rescue and surgery cost $35,000. His Chase Sapphire card's travel benefit covered only $2,000. His US health plan considered the Austrian clinic 'out-of-network,' leaving him with a staggering $33,000 bill for what was supposed to be a dream vacation.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Austria?

US citizens do not need a visa to enter Austria for tourism or business stays of up to 90 days within a 180-day period. You must have a valid passport with at least three months of validity beyond your planned departure from the Schengen area. Two blank pages are required for entry stamps.

How do I purchase travel insurance for Austria?

You should begin by comparing travel insurance plans, using the HelloSafe travel insurance comparison tool for US travelers. Review the coverage and exclusions specific to travel in Austria, such as emergency medical and trip interruption. Buy your chosen policy online. Your insurance certificate will usually be sent to your email right after your purchase.

What should I look for in a travel insurance policy for Austria?

Seek coverage for emergency medical expenses, including hospital stays and evacuation. Plans should also protect against trip cancellations, lost luggage, and personal liability. Medical coverage of at least $100,000 is advisable, especially since US Medicare or Medicaid will not cover you in Austria.

Will travel insurance cover winter sports or hiking in Austria?

Many standard travel insurance plans exclude accidents from winter sports or high-altitude hiking. If you plan to ski or hike, check if your policy covers these activities or consider paying extra for specific adventure or sports coverage. This will help ensure you are protected in case of accidents on the slopes or trails.

Are medical facilities in Austria easily accessible for travelers?

Austria has excellent medical services and emergency care is widely available throughout the country, including rural areas. However, you may have to pay out of pocket unless you have appropriate travel insurance. Carry proof of insurance with you and have emergency contact details readily available.

How quickly can I get travel insurance if I book a last-minute trip?

Travel insurance can be purchased online in just a few minutes, even for last-minute departures. Immediate coverage usually starts as soon as you complete your payment, and your certificate will be sent by email. However, pre-existing incidents or conditions before the policy start date are typically excluded from coverage.

Do I need a visa to travel to Austria?

US citizens do not need a visa to enter Austria for tourism or business stays of up to 90 days within a 180-day period. You must have a valid passport with at least three months of validity beyond your planned departure from the Schengen area. Two blank pages are required for entry stamps.

How do I purchase travel insurance for Austria?

You should begin by comparing travel insurance plans, using the HelloSafe travel insurance comparison tool for US travelers. Review the coverage and exclusions specific to travel in Austria, such as emergency medical and trip interruption. Buy your chosen policy online. Your insurance certificate will usually be sent to your email right after your purchase.

What should I look for in a travel insurance policy for Austria?

Seek coverage for emergency medical expenses, including hospital stays and evacuation. Plans should also protect against trip cancellations, lost luggage, and personal liability. Medical coverage of at least $100,000 is advisable, especially since US Medicare or Medicaid will not cover you in Austria.

Will travel insurance cover winter sports or hiking in Austria?

Many standard travel insurance plans exclude accidents from winter sports or high-altitude hiking. If you plan to ski or hike, check if your policy covers these activities or consider paying extra for specific adventure or sports coverage. This will help ensure you are protected in case of accidents on the slopes or trails.

Are medical facilities in Austria easily accessible for travelers?

Austria has excellent medical services and emergency care is widely available throughout the country, including rural areas. However, you may have to pay out of pocket unless you have appropriate travel insurance. Carry proof of insurance with you and have emergency contact details readily available.

How quickly can I get travel insurance if I book a last-minute trip?

Travel insurance can be purchased online in just a few minutes, even for last-minute departures. Immediate coverage usually starts as soon as you complete your payment, and your certificate will be sent by email. However, pre-existing incidents or conditions before the policy start date are typically excluded from coverage.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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