Before departure
Costs following a covered cancellation reason up to the agreed amount.
Travel insurance
Protect the trip. Stay capable of acting abroad.
Cancellation, medical costs, repatriation, trip interruption, baggage and assistance solve different problems and require clear evidence.
Benefit sections
Different protection before departure and during travel.
Suitable scope depends on trip price, destination, health risk and existing credit-card or annual cover.
During travel
Unused travel services and additional return costs depending on terms.
Treatment costs
Outpatient and inpatient treatment, medicines and medically necessary services.
Safe return home
Medically reasonable or necessary repatriation according to the wording.
Loss and damage
Observe value limits, supervision duties, delayed baggage and theft evidence.
Emergency organisation
Emergency line, hospital coordination, advances and local support.
Before departure
Review existing cover and gaps first.
Trip price
Set an adequate cancellation sum.
Destination
USA, Canada, cruises or expeditions may require special cover.
Pre-existing conditions
Review stability and unexpected deterioration under the terms.
Duration and frequency
Choose single-trip or annual cover appropriately.
In an emergency
Contact assistance before incurring major costs.
For hospitalisation, repatriation or trip interruption, the insurer should be involved early.
Obtain confirmation
Have diagnosis, inability to travel, treatment period and recommendation documented.
Obtain approval
Coordinate repatriation, rebooking and major expenditure in advance.
Keep originals
Collect invoices, booking documents, cancellation statement and proof of payment.
Our role: Before departure, we review existing cover and gaps arising from destination, trip price or health risk.
Austrian Supreme Court decisions
View all decisionsMedical confirmation, transparency and evidence in cancellation and trip-interruption claims.
These summaries highlight typical disputes and do not replace review of the individual policy.
Trip interruption and medical confirmation
Policy terms may require illness or inability to travel to be confirmed immediately by a doctor. Documentation at the destination can therefore be decisive.
Official RIS decision →Transparency in cancellation and travel insurance
Documents must make clear with whom the insurance contract is concluded and what benefit is agreed. Unclear roles of intermediary and insurer may be legally problematic.
Official RIS decision →Deadlines and evidence in travel claims
The Court considered contractual evidence and deadlines in cancellation or trip-interruption claims. Prompt notification and medical records are particularly important.
Official RIS decision →Frequently asked questions
All questionsKey travel-insurance questions.
Is credit-card travel cover sufficient?
Only if the trip, payment conditions, persons, duration and benefits meet the card terms.
When should cancellation occur?
As soon as a covered reason is established and the trip cannot be taken, to avoid increasing cancellation charges.
Is repatriation always covered?
Only under the agreed standard, such as medically necessary or reasonable, and often after coordination with assistance.
What about pre-existing conditions?
Often only an unexpected acute deterioration is covered subject to conditions.
Personal advice
Review travel cover before booking and departure.
We align trip price, destination, travellers, existing cover and health risks.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at