travel insurance to 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

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Travel Insurance for an Austria Vacation (2024)

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

in under 2 minutes

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 questions about this page, please reach out to our editors at [email protected] .

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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

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

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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• Choosing an International Health Insurance Plan

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

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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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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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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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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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FeelSafe Travel Insurance

The “FeelSafe Travel Insurance” is a no-limit  travel health insurance that is fully accepted  for your Visa-C, Visa-D and INITIAL Residence Permit.

Covering MORE than the legally required €30.000!

Initial Residence Permit = application at the Austrian Embassy in your home country.

                   This product is valid for:

• Language school students
• Researchers
• Business Travelers
• Job seekers

Keywords: 100% accepted, over €50.000 coverage, covering winter sports, COVID coverage. D-Visa, C-Visa, Initial residence permit application.

• 1. Start date of insurance (arrival date in Austria): DD dot MM dot YYYY
• 2. Take travel insurance until: DD dot MM dot YYYY
• 3. Your Price € 2.99 / day Price: 0,00 €
• Hidden Number of Days

HARD FACTS - IMPORTANT! PLEASE READ!

Important facts.

COVID-19 coverage as requested by the government/ministry/embassies for the visa process! Insurance coverage for COVID-19 is included if the insured person is healthy when entering Austria. There is no insurance coverage included for COVID-19, if the infection or medical treatment for it has occurred before the beginning of the insurance coverage or before the entry into Austria. Coverage for winter sports included.

• For internationals NOT from Austria
• Valid for your C-Visa, D-Visa and INITIAL residence permit application at the Austrian Embassy.
• NOTE: If you already have (or know someone who has) an Austrian or other European bank account, you can directly get the long-term insurance that you will need for the residence permit pick-up in Austria and DON’T need to get the travel insurance first.
• Payment by credit card: VISA, MasterCard, American Express, JCB, Discover, Diners Club
• Running time of this contract: Min. 1 day
• Covering winter sports
• Confirmation: Download confirmation right after purchase
• Confirmation additionally sent via e-mail
• Please print insurance confirmation for your visa appointment
• Cancellation policy: If your visa application gets rejected, you can cancel the insurance and get the money refunded if the insurance has not yet started. If the insurance is already running, you can’t cancel the insurance.
• Repatriation must be arranged by the UNIQA SOS-Service, otherwise a maximum of € 2.200,- will be reimbursed
• Price of € 2.99 per day
• UNIQA SOS Service: +43 50677 670

This product fulfills all the legal requirements for the embassies and the residence permit department (MA35 in Vienna).

Good to know!

• The insurance is provided by UNIQA, Austria’s largest insurance company
• If you stay overnight in a hospital, UNIQA will pay your bill directly
• To get your ambulant bills refunded, please use our “Request Refund” button in the navigation header

INSURANCE COVERAGE

Coverage comparison

Will this insurance be accepted by the Austrian Embassy for my entry visa?

Yes, our insurance is accepted by all Austrian Embassies. You will get our insurance confirmation latest within 3 hours via e-mail.

For how long should I take the travel insurance?

We recommend to take the travel insurance for at least 1 month after your arrival date – to be on the safe side 2 months. You need to get your Austrian Bank Account in order to get our long-term insurance and that may take a few days/weeks. We can help you to open an Austrian account at: www.feelslikehome.at/bank

What happens if I have to stay in an hospital?

If you have to stay in a hospital overnight, just tell them that you have a private insurance with UNIQA. The hospital will call UNIQA to make sure that you really payed your insurance. If the check is successful, the insurance company will pay for your stay directly.

How does the refund work?

If you go to a private doctor, you have to pay the bill first. After that just make a photo with your smartphone and send us the bill via our Request Refund button in the navigation header. Please make sure that there is a diagnostics (Diagnose) on your bill, otherwise we cannot make a refunding. The refund normally takes about 2-3 weeks to process.

Am I 100% covered?

Yes, please read in detail the coverage comparison sheet for maximum coverage amounts per category.

Download Policy & Terms

Travel Insurance Policy   –> English translation on the bottom of the document

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Warnings and insurance

The Foreign, Commonwealth & Development Office ( FCDO ) provides advice about risks of travel to help British nationals make informed decisions. Find out more about FCDO travel advice .

Before you travel

No travel can be guaranteed safe. Read all the advice in this guide and any specific travel advice that applies to you:

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Follow and contact FCDO travel on Twitter , Facebook and Instagram . You can also sign up to get email notifications when this advice is updated.

Travel insurance

If you choose to travel, research your destinations and get appropriate travel insurance . Insurance should cover your itinerary, planned activities and expenses in an emergency.

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Austria Travel Insurance

If you are planning a trip to Austria you may highly benefit from our Austria Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in Austria

Zillertal Alps

The  Zillertal Alps  are a mountain range of the Central Eastern Alps on the border of Austria and Italy. Zillertal Alps are home to sky-high glacial peaks, spiky mountain cliffs, and tree-lined alleys making it one of the most breathtaking landscapes in central Europe.

The Zillertal Alps offer ski and hiking glaciers and hundreds of miles of outdoor trails. This is also the reason why they have become a popular destination for mountaineers, hikers, and backpackers. The Zillertal High Road also gives the opportunity to visitors to admire the landscapes from the comfort of their car.

Zell am See

Zell am See is a small city located in the Austrian state of Salzburg. The city is hidden in the valley among the Kitzbühel Alps. The small city lies right next to the shores Lake Zell, the vividly blue lake, from which it also got its name.

Hiking, cycling, and water sports are popular in the summer, whereas in the winter months skiers and snowboarders enjoy the mountains and ski resorts nearby. As a small city, Zell am See provides a cozy and tranquil feel. One of its most famous attractions is the Romanesque St. Hippolyte’s Church, with an elevated walkway built as early as the 16th century.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

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Travel insurance

The reverse of the Austrian e-card shows the European Health Insurance Card (EHIC)

While it is generally recommended that you take out travel insurance prior to any trip abroad you may still avail yourself of the Austrian health system without travel insurance should you fall sick during your travels through Austria. EU citizens must fill in form sheet E 111 to make use of medical services in Austria.

Social insurance agreements have been signed with the following countries: Bosnia-Herzegovina, Iceland, Croatia, Liechtenstein, Macedonia, Norway, Sweden, Serbia, Slovenia and Turkey. Nationals of these countries may have a care/treatment voucher issued with their health insurance which is then exchanged for a health insurance certificate ( Krankenschein ) at a regional health fund in Austria.

For persons insured in Austria, the e-card makes travelling abroad easier. The reverse of the e-card shows the European Health Insurance Card (EHIC). The EHIC substitutes the international health insurance voucher (form E 111) for the claim of medical treatment during temporary visits (for example holiday) in member states of the European Union, the European Economic Area and Switzerland.

Further information

Vienna in figures.

5,183 medical specialists and dentists were registered in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

19,142 children were born in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

15,045 hospital beds were available for the healthcare of patients in the 44 hospitals of the City of Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

335 pharmacies were available in Vienna in 2022. Source: City of Vienna Statistical Yearbook 2023

160,838 people in Vienna were 75 years or older as at 1 January 2023. Source: City of Vienna Statistical Yearbook 2023

more statistics

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The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.