# Travel Insurance for Austria (2026) > Travel insurance for Austrian visa applications and trips. Best providers, what coverage you need, and how to choose the right plan. Updated: May 19 2026 · By Jules de Bruin · URL: https://www.how-to-austria.com/insurance/travel-insurance As of April 2026, Schengen visa applicants must have travel insurance with **minimum EUR 30,000 medical coverage** valid across all Schengen states. For expats based in Austria, **SafetyWing Nomad Insurance** starts from approximately **USD 45 per 4 weeks with USD 250,000 medical coverage**, while **Allianz** offers Schengen-compliant plans with **EUR 100,000 coverage**. Austrian-based **ERV** provides single-trip plans from **EUR 15**. Austrian public health insurance (e-card) covers EU/EEA travel but not non-EU trips. ## What Are the Best Travel Insurance Providers for Austria? These providers offer travel insurance accepted for Austrian and Schengen visa applications, as well as general travel coverage for expats living in Austria: Best for Expats ### SafetyWing Nomad Insurance 4.5SafetyWing is designed specifically for digital nomads and expats. Their Nomad Insurance product provides ongoing travel medical insurance that works like a subscription, automatically renewing every 4 weeks. It covers you in Austria and 180+ countries with no fixed end date, which is perfect for expats with flexible travel plans. Why we recommend it: Subscription model with flexible monthly billing, ideal for digital nomads and long-stay expats. Best for: Digital nomads and expats with flexible travel plans who need ongoing coverage Pros - +Subscription model with no fixed end date - +Coverage in 180+ countries - +Affordable at USD 45 per 4 weeks Cons - −Not always accepted for Schengen visa applications - −USD-based pricing - −Lower coverage limits than some European providers - Coverage in 180+ countries including Austria - Automatic renewal every 4 weeks (cancel anytime) - Medical coverage up to USD 250,000 - Covers COVID-19 as any other illness - Travel delay and lost luggage coverage included - Starting from approximately USD 45/4 weeks [Get SafetyWing Coverage](https://safetywing.com)Best for Schengen Visa ### Allianz Travel Insurance 4.3Allianz is one of the most recognized insurance brands in Europe, and their travel insurance policies are universally accepted for Schengen visa applications. Their products are specifically designed to meet all Schengen visa requirements, giving you peace of mind during the application process. Why we recommend it: Schengen-compliant global cover with strong English support and reliable claims processing. Best for: Visa applicants who need guaranteed Schengen-compliant coverage accepted by all embassies Pros - +Accepted by all Schengen embassies - +EUR 100,000 medical coverage - +24/7 multilingual assistance Cons - −Higher price than basic providers - −Trip cancellation costs extra - −Single-trip plans can be expensive for long stays - Accepted by all Schengen embassies and consulates - Medical coverage up to EUR 100,000 - Emergency medical repatriation included - Trip cancellation coverage available - 24/7 multilingual emergency assistance - Single-trip and annual multi-trip plans available [Get Allianz Travel Insurance](https://www.allianz.at) ### Europische Reiseversicherung (ERV) 4.1ERV is an Austrian-based travel insurance specialist and part of the Munich Re group. As a local provider, they have deep expertise in Austrian visa requirements and Schengen-compliant coverage. Their policies are well-regarded by Austrian embassies and consulates worldwide. Why we recommend it: Austrian-headquartered travel specialist with full trip-cancellation cover and Vienna-based service. Best for: Budget travelers and frequent flyers who want an Austrian-based insurer with local expertise Pros - +Austrian company with local claims processing - +Single-trip plans from just EUR 15 - +Well-regarded by Austrian embassies Cons - −Less international brand recognition - −Website primarily in German - −Annual plans less flexible than SafetyWing - Austrian company with local expertise - Specifically designed for Schengen visa requirements - Comprehensive medical and repatriation coverage - Annual travel insurance for frequent travelers - Claims processing through Austrian offices - Single-trip plans from approximately EUR 15 [Explore ERV Travel Plans](https://www.europaeische.at) ## What Travel Insurance Do You Need for an Austrian Visa Application? If you are applying for a [Schengen visa](/visa/schengen-visa) (Type C, short-stay) to visit Austria, travel health insurance is a mandatory requirement. The Schengen visa regulations require your insurance to meet specific criteria: - ✓Minimum coverage of EUR 30,000 for medical emergencies - ✓Must cover the entire Schengen area, not just Austria - ✓Must cover emergency medical treatment and hospital stays - ✓Must cover medical repatriation and emergency evacuation - ✓Must be valid for the entire duration of your stay plus a recommended buffer of 15 days - ✓Must be issued by an insurance company recognized in the Schengen area Without valid travel insurance that meets these requirements, your Schengen visa application will be rejected. Make sure to get the insurance before your visa interview and bring the policy document to your appointment at the embassy or consulate. ## Do Residence Permit Holders in Austria Need Travel Insurance? If you already have a residence permit and are covered by Austrian social [health insurance](/insurance/health-insurance) (OGK, SVS, or BVAEB), your public insurance provides limited coverage within the EU/EEA through the[European Health Insurance Card (EHIC)](https://ec.europa.eu/social/main.jsp?catId=559) (or e-card in Austria). However, this coverage is limited to the same level of public healthcare available in the country you are visiting, and does not cover repatriation, trip cancellation, or lost luggage. For trips outside the EU/EEA (such as visiting family in your home country), your Austrian public health insurance provides no coverage at all. In these cases, separate travel insurance is strongly recommended to cover medical emergencies, trip cancellations, and other travel-related risks. The [Austrian Federal Ministry for European and International Affairs (BMEIA)](https://www.bmeia.gv.at) provides country-specific travel advice. Budget for this as part of your overall [cost of living in Austria](/living/cost-of-living). ## What Should You Look For in Travel Insurance for Austria? ### Medical Emergency Coverage The most critical component. Look for policies with at least EUR 100,000 in medical coverage (EUR 30,000 minimum for Schengen visa). This should cover emergency treatment, hospital stays, surgery, and medication. ### Repatriation and Evacuation Covers the cost of transporting you back to your home country for continued medical treatment or in case of death. Medical flights can cost tens of thousands of euros, so this coverage is essential. ### Trip Cancellation and Interruption Reimburses non-refundable travel expenses if you need to cancel or cut short your trip due to illness, family emergency, or other covered reasons. ### Luggage and Personal Belongings Covers loss, theft, or damage to your baggage and personal items during your trip. Useful but typically has per-item limits and overall caps. ## Related Guides [### Schengen Visa Requirements and application process for the Schengen short-stay visa.](/visa/schengen-visa)[### Health Insurance Public and private health insurance options for expats in Austria.](/insurance/health-insurance)[### Visa Guide Overview of Austrian visa types and application processes.](/visa) --- Source: https://www.how-to-austria.com/insurance/travel-insurance Last updated: Updated: May 19 2026 Format: LLM-readable Markdown twin (.md) of the canonical HTML page.