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A calm alpine lake perfectly mirrors jagged mountain peaks and a small red boathouse along the tree-lined shore under a clear sky.

Travel Insurance for Austria

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Fully Covered with LUMA

LUMA travel insurance helps you stay covered in Austria, from Alpine journeys and winter resorts to scenic drives and city breaks.
  • 4.8
  • 4.0 Rating

  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Austria

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Austria calling? We go above and beyond to make sure your trip stays golden.
  • A grand European classical building facade with pedestrians walking along a paved plaza in front of it.
    A quiet lakeside path with a small wooden building, leading toward a calm lake surrounded by steep, tree-covered mountains.
    A clock tower with a steep pyramidal roof rises above greenery, overlooking a city skyline at sunset.

    01 Injured while skiing on icy slopes?

    Austria's Alpine resorts draw serious skiers from around the world, but a fall on piste can mean a helicopter rescue from the mountain, a trauma centre visit, or a hospital stay. LUMA covers accidents during recreational skiing and can also arrange transfer when you need care at a better-equipped facility.

  • A colorful row of traditional buildings with flower-covered balconies lining a lively pedestrian street with an outdoor café.
    A grand baroque palace with ornate facades and a green dome, reflected in a still pool under a blue sky with white clouds.
    A lakeside village illuminated at dusk, with warm lights reflecting off the water beneath towering snow-covered mountains.

    02 Mountain rescue needed in the Austrian Alps?

    Mountain rescue callouts happen regularly across Austria's Alpine regions, and weather turns fast even in summer. A helicopter lift from a remote trail or high-altitude pass is expensive, and the EHIC doesn't cover mountain rescue or helicopter evacuation, even for EU visitors. LUMA can arrange medical evacuation when local care is not enough. That may include transport from a remote area or a transfer between hospitals, depending on what your condition requires.

  • Pedestrians walking across a cobblestone square in front of a tall Gothic cathedral with an intricately patterned tiled roof.
    A historic plaza with a bronze equestrian statue, ornate buildings, and people walking across the square.
    A stone church spire framed by pink flowers, overlooking a lakeside village and mountains in the background.

    03 Bag snatched in Vienna's tourist areas?

    Pickpockets are active around Vienna's crowded areas, particularly during peak tourist season. Organised teams use distraction techniques, and busy summer crowds give them cover. LUMA plans can help with eligible loss, theft, or damage to your belongings, so you can replace what you need and keep going rather than cutting the trip short.

  • A city skyline viewed across a river, featuring a tall slender tower and modern high-rise buildings under a clear sky.
    A person walking down a narrow, rain-slicked cobblestone street lined with colorful historic buildings and empty outdoor café tables.
    A misty valley filled with low clouds beneath forested mountains, with green pastures and scattered farmhouses on the hillside below.

    04 Had to cancel your Austria trip?

    An Austria trip including flights and hotels is often paid for well in advance. If a serious illness, injury, family emergency, or another covered event prevents you from travelling, LUMA helps reimburse prepaid costs, so that cancelling the trip does not mean losing everything you already paid for.

  • An ornate stone column monument in a plaza, backlit by bright sunlight, surrounded by traditional buildings.
    A church tower with a green onion dome rising above rooftops, set against a backdrop of snow-capped mountains and clear blue sky.
    A small tour boat leaves a wake as it crosses a still lake at dusk, framed by snow-dusted mountains reflected in the dark water.

    05 Fell ill during your Austria trip?

    A sudden fever, infection, or worsening pain can be difficult to judge when you are away from home. Austria has strong hospital care in cities such as Vienna, Salzburg, and Innsbruck, but non-EU visitors may still face upfront medical costs. Medipro can advise you on whether to see a doctor, while LUMA covers treatment expenses under your plan.

A yellow church tower with a clock and black spire rising above trees, with a hillside building visible behind it under clear blue sky.
A formal garden with manicured hedges and a fountain in front of a grand building, with a hilltop fortress visible in the distance under a partly cloudy sky.
A twin-towered white church on a street corner, with a cyclist passing by and shops at street level.
An ornate Gothic stone entrance with a large rose window and carved detailing above a dark wooden door.
A narrow street between historic buildings, with domed towers, parked cars, and pedestrians walking along the sidewalk.
A stone archway framing a view of a quiet cobblestone lane leading toward green hills in the distance.
A narrow pedestrian street lined with shops, leading to a Gothic church with a tall spire, with people walking along the storefronts.
A shallow, rocky river winding through a scenic valley, with people wading near the water's edge and mountains rising in the background.
A blue wall covered densely with colorful travel stickers and pins, prominently featuring the word "AUSTRIA" in yellow lettering.
A traditional Alpine chalet with a steep gabled roof sits in a green valley, framed by grassy hillsides and mountains under an overcast sky.
A grand European classical building facade with pedestrians walking along a paved plaza in front of it.
A quiet lakeside path with a small wooden building, leading toward a calm lake surrounded by steep, tree-covered mountains.
A colorful row of traditional buildings with flower-covered balconies lining a lively pedestrian street with an outdoor café.
A grand baroque palace with ornate facades and a green dome, reflected in a still pool under a blue sky with white clouds.
Pedestrians walking across a cobblestone square in front of a tall Gothic cathedral with an intricately patterned tiled roof.
A historic plaza with a bronze equestrian statue, ornate buildings, and people walking across the square.
A city skyline viewed across a river, featuring a tall slender tower and modern high-rise buildings under a clear sky.
A person walking down a narrow, rain-slicked cobblestone street lined with colorful historic buildings and empty outdoor café tables.
An ornate stone column monument in a plaza, backlit by bright sunlight, surrounded by traditional buildings.
A church tower with a green onion dome rising above rooftops, set against a backdrop of snow-capped mountains and clear blue sky.

Your Austria Travel Insurance Questions, Answered

An elevated view of a European city with a river winding through it, dense historic rooftops, and church spires, with tourists silhouetted on a viewing terrace in the foreground during golden-hour light.

Yes, when you stay on marked pistes and follow local guidance. Conditions in the Alps can change quickly, and off-piste skiing brings a much higher risk of avalanches and rescue incidents. Check the avalanche bulletin at lawinen.report before any mountain day, stick to marked runs, and go with a guide for anything more demanding.LUMA covers accidents during recreational skiing on marked pistes, so if you do take a tumble, the medical costs are taken care of, and you can focus on recovery.

No, and this catches many EU visitors off guard. As confirmed by Austria's official travel insurance guidance, the European Health Insurance Card covers urgent medical treatment at public facilities, but it does not cover mountain rescue costs, helicopter evacuation, or repatriation. A helicopter lift from a remote alpine trail can run to thousands of euros. Non-EU visitors have no public healthcare access at all and pay full costs upfront. LUMA helps arrange medical evacuation when it's medically necessary and covers the eligible costs, making evacuation cover one of the strongest reasons to insure an Austria trip regardless of your nationality.

Yes. Austria’s major hospitals, including Vienna’s AKH and Salzburg’s Landeskrankenhaus, provide 24‑hour specialist and trauma care. As a non‑EU visitor, you’re generally treated as a self‑pay patient and settle hospital bills directly, then seek reimbursement from your insurer. LUMA covers medical expenses under your plan, and Medipro can help you decide whether your symptoms need a doctor and what kind of facility makes sense for your situation.

Yes, when it's medically necessary. Mountain helicopter rescues in Austria are expensive, and the EHIC doesn't cover them even for EU nationals. Every LUMA plan includes medical evacuation cover when it's medically necessary, whether that means a helicopter from a remote alpine trail or transfer between hospitals. It's one of the most important reasons to insure a trip that takes you into the Austrian Alps.

Yes, if a Schengen visa is required for your trip. Applicants must provide proof of travel insurance with at least €30,000 in medical and repatriation coverage, valid across all 29 Schengen countries for the entire stay. Every LUMA plan includes medical coverage of USD 50,000 or more, so it meets the minimum insurance requirement for an Austria visa. Travellers from visa-exempt countries can usually visit for up to 90 days without a visa..

Yes. Winter storms and heavy snowfall can close mountain roads, ground flights into smaller airports like Innsbruck, and delay the ÖBB rail network, particularly through alpine tunnels. Summer storms in Alpine regions can also disrupt travel plans with little notice. Check forecasts at Austria's official weather service before any travel day in the mountains. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with expenses like meals or an overnight stay.

Go places, we’ve got you covered.

  • A quiet cobblestone street lined with historic European apartment buildings, bicycles, and parked cars, framed by snow-capped mountains in the distance under a partly cloudy sky.
  • A lakeside alpine village with traditional wooden houses built into a steep, forested mountainside, with a boat dock and lakeside café in the foreground.
  • A misty lakeside village with colorful houses and a church steeple nestled against forested mountains, viewed across calm water with autumn-toned trees along the shore.

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