UNIQA Travel Insurance: Key Benefits at a Glance
This document outlines the key benefits of UNIQA's travel insurance plans, Optimal and Optimal Plus, for trips abroad. It provides a detailed comparison of coverage for various aspects of travel.
International Travel Health Insurance
UNIQA covers treatment costs for illness or accident, including:
- Medically necessary treatments including doctor-prescribed medications (subject to an €86 deductible per insured person).
- Medically necessary transport to the nearest hospital.
- Ambulance treatment (doctor's fees, medications) after the €86 deductible.
- Rescue operations, including helicopter rescue, for accidents or drowning incidents (up to €10,300 per insured person).
- Emergency transport to Austria: UNIQA arranges transport to your home country via air ambulance if medically necessary and the patient is transportable. This applies if there is a life-threatening condition, inadequate local medical care, or an expected hospital stay of over 5 days. UNIQA covers full costs for transport and one accompanying person. If UNIQA SOS service is not used, a maximum of €2,600 is reimbursed.
- Repatriation to Austria: UNIQA covers the full costs of standard repatriation of a deceased person to their Austrian home. If UNIQA SOS service is not used or the deceased is buried at the place of death, a maximum of €2,600 is reimbursed.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Medical Expenses (Illness/Accident) | Up to EUR 335,000 | Up to EUR 335,000 |
| Rescue Operations (Accident/Drowning) | Up to EUR 10,300 | Up to EUR 10,300 |
| Emergency Transport to Austria | Covered by UNIQA SOS Service (max. €2,600 if not used) | Covered by UNIQA SOS Service (max. €2,600 if not used) |
| Repatriation to Austria | Covered by UNIQA SOS Service (max. €2,600 if not used) | Covered by UNIQA SOS Service (max. €2,600 if not used) |
Travel Baggage Insurance
Covers personal belongings taken on or acquired during the trip against:
- Theft, burglary, and robbery.
- Damage due to proven third-party action.
- Loss during transport within the responsibility of a third party.
- Note: Special storage instructions apply for valuables and electronic devices.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Replacement costs for necessary new purchases due to delayed baggage delivery (min. 12 hours) at the destination per person | Up to 10% of the sum insured, max. EUR 200 | Up to 10% of the sum insured, max. EUR 200 |
| Replacement of documents per person | Up to EUR 100 | Up to EUR 100 |
Additional Travel Costs
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Reimbursement for delayed arrival at the destination if the regular departure was missed through no fault of your own. | Covered | Covered |
Unforeseen Holiday Extension
Covers unforeseen extensions of your holiday due to specific reasons such as landslides, avalanches, floods, earthquakes, volcanic eruptions, or mandated quarantine, preventing your return journey. Reimbursed per trip:
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Unforeseen Holiday Extension | Up to EUR 2,000 | Up to EUR 2,000 |
Travel Personal Liability Insurance
Covers the fulfillment of justified or defense against unjustified claims for personal injury, property damage, and consequential financial losses caused to a third party during the trip. Reimbursed per person:
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Travel Personal Liability Insurance | Up to EUR 1,000,000 | Up to EUR 1,000,000 |
Repair Protection for Own Sports Equipment
Covers the repair of sports equipment owned by the insured person(s) and taken on the insured trip.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Repair of Sports Equipment | Up to EUR 300 per person / Up to EUR 600 per family | Up to EUR 300 per person / Up to EUR 600 per family |
Travel Accident Insurance
Covers permanent disability resulting from an accident during travel.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Permanent Disability (25% to under 50% invalidity) | EUR 25,000 | EUR 25,000 |
| Permanent Disability (50% invalidity and above) | EUR 100,000 | EUR 100,000 |
| Rescue Costs per Person | EUR 10,000 | EUR 10,000 |
| Transport and Relocation Costs | EUR 1,000 | EUR 1,000 |
| Fracture Coverage per Person | EUR 300 | EUR 300 |
Additional Optional Coverages
Travel Cancellation & Travel Interruption Insurance
Travel Cancellation: Covers contractually owed cancellation costs if the trip cannot be started due to unforeseen circumstances, such as sudden severe illness, accident, or death of an insured person (requires medical certification of inability to travel). Also covers cancellation due to job loss or mandatory service in emergency response units.
Travel Interruption: Covers paid but unused portions of the insured trip.
Extra Return Travel Costs: Covers additional return travel costs incurred under specific circumstances.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Travel Cancellation / Interruption (max. EUR 50,000) | Up to the amount of chosen travel costs | Up to the amount of chosen travel costs |
| Extra Return Travel Costs | Up to the amount of chosen travel costs | Up to the amount of chosen travel costs |
Deductible Protection for Rented Vehicles & Sports Equipment
Covers the deductible owed to the rental company if a rented vehicle or sports equipment is stolen or damaged during the trip.
| Coverage | Optimal | Optimal Plus |
|---|---|---|
| Deductible Protection | Max. EUR 1,000 | Max. EUR 1,000 |
This promotional material is an initial, non-binding information. It does not constitute an offer, advice, or individual recommendation. For essential product information, please refer to the product information sheet available at www.uniqa.at. For all product details, please consult your insurance application, policy, and terms and conditions. Errors, printing mistakes, and changes are reserved. As of: June 2025.
Media owner: UNIQA Österreich Versicherungen AG, Untere Donaustraße 21, 1029 Vienna, Registered office: Vienna, FN 63197m Commercial Court Vienna.
