What are the best travel insurances for Austria in 2025?
- 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
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.
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 recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Excellent for comprehensive travel in Austria. - high ceiling for medical emergencies - repatriation included - modern claim process |
| Cap Assistance 24/24 | $1.1M | Well-suited for short or multi-city trips to Austria. - 24/7 assistance - no deductible - covers cancellations |
| Tourist Card | $545k | Good choice for tourists seeking value and safety. - solid medical cover - emergency assistance included - budget option |
| Travel Pass Monde | $765k | Balanced coverage for travel in Austria. - in-patient and out-patient reimbursement - covers repatriation - wide area acceptance |
| Globe Partner | $330k | Dependable for frequent or long stays. - emergency medical care abroad - repatriation protection - civil liability cover |
| Globe Traveller | $545k | Cost-effective for shorter or low-risk trips in Austria. - basic medical needs covered - quick reimbursement - simple, essential guarantees |
- high ceiling for medical emergencies
- repatriation included
- modern claim process
- 24/7 assistance
- no deductible
- covers cancellations
- solid medical cover
- emergency assistance included
- budget option
- in-patient and out-patient reimbursement
- covers repatriation
- wide area acceptance
- emergency medical care abroad
- repatriation protection
- civil liability cover
- basic medical needs covered
- quick reimbursement
- simple, essential guarantees
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 treatment | Cost at Wiener Privatklinik | Covered 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 |
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 coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | 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 | 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 | Refunds for lost, stolen, or damaged luggage during your stay. Opt for at least $2,000 coverage for baggage and valuables. |
| ⏱️ Trip cancellation/interruption | 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 | 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 | 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 | 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 | 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. |
We recommend a minimum limit of $150,000 for medical expenses.
A limit of at least $250,000 is suggested due to high costs.
Opt for at least $2,000 coverage for baggage and valuables.
For Austria, a benefit of at least $5,000 per person is prudent.
Choose at least $250,000 personal liability coverage for robust protection.
A limit of $1,000 will cover most needs during your trip.
Ensure unlimited support for any situation during travel in Austria.
At least $10,000 in legal coverage is recommended for 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 duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $23 |
| 2 weeks | 45 years old | $37 |
| 1 month | 35 years old | $53 |
| 1 month | 70 years old | $109 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
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 compareHow 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:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Traveler's age | Age 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 duration | The 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 coverage | Group 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 level | Higher 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 coverage | Austria’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 activities | Winter 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 protections | Add-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. |
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 Insurance | Valid in Austria? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | Only 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 insurance | Yes, partly | Some 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, partly | Limited 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, partly | Medical up to $50,000, moderate baggage/trip delay, pre-existing conditions often excluded. | Travel insurance covers $100,000+, includes evacuation, baggage, and full assistance. |
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.
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.
