full comfort package (stays up to 5 years)

The full comfort package (USA & Canada included) has been designed especially to meet the demands of Austrian residents. It offers widespread insurance coverage and therefore is a perfect travel insurance for all kinds of stays abroad: work & travel, work abroad, traineeship, scholarschip, study abroad, language holiday, aid project, adventure holiday, business trip, holiday trip or your round-the-world-trip. Best benefits - no deductible!

  • travel heath insurance
  • cancellation insurance (before departure and during your journey)
  • travel emergency insurance
  • travel accident insurance (death: 10,000 €, invalidity: 125,000 €)
  • travel private liability insurance (1.5 Mio. €)
  • travel luggage insurance (2,000 €)
full comfort package (USA & Canada included)
stays up to: up to 28 years 29-64 years from 65 years
5 days 29 € 38 € 48 €
10 days 34 € 45 € 59 €
17 days 42 € 59 € 79 €
1 month 65 € 85 € 159 €
2 months 125 € 145 € 329 €
3 months 165 € 209 € 559 €
4 months 225 € 289 € 795 €
5 months 295 € 369 € 1.029 €
6 months 339 € 459 € 1.259 €
7 months 399 € 529 € 1.479 €
8 months 459 € 599 € 1.699 €
9 months 499 € 669 € 1.929 €
10 months 559 € 739 € 2.159 €
11 months 619 € 799 € 2.399 €
12 months 679 € 859 € 2.629 €
13.-24. month 75 € (each) 85 € (each) not available
25.-36. month 85 € (each) 95 € (each) not available
37.-48. month 95 € (each) 105 € (each) not available
49.-60. month 105 € (each) 115 € (each) not available
calculation of premiums for stays of more than 1 year:
premium of 12-month period + premium per additional month each
application of product / prolongation & premature termination

You will easily find the right premium for your trip by taking these hints:

  • It is not required to be a student. The STA Travel full comfort package can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • Furthermore it is not required that you are insured in Austria or in any other home country while you are on your journey.
  • Only your age at the date of departure is crucial for the premium. It is of no importance if you reached an age limit while travelling.
  • If you are travelling on a transit flight through USA or Canada or if you do not spend more than 1 night as a transit passenger on your outward and/or return journey, you can apply the cheaper premium “USA & Canada excluded”.
  • As well you can apply the cheaper premium "USA & Canada excluded", if the insured period is 12 months at least and if you will stay not longer than 14 days in the USA or in Canada during this period.
  • Premiums shown in the chart already include travel prices up to 1,500 € (cancellation insurance). If you wish to insure a higher travel price, please first make your booking for the comfort package as offered in the chart and then another booking for cancellation- & interruption insurance in the remaining amount of the difference to your travel price and your travel price is insured in total.
  • The insurance coverage is valid worldwide abroad except of Austria or other home countries. Home countries are countries around the world, where you have a registered residence. USA & Canada are included, if you booked the premium "incl. USA & Canada". (For coverage in your home country, if the journey is interrupted: see information below).
  • This insurance package needs to be booked for the entire journey time (date of departure from your home country until date of return to your home country).
  • If you wish to insure only a part of your journey time, please contact us. Exceptionally it is possible to insure parts of a journey time.
  • Maximum insurance period: 60 months. If you are staying abroad more than 12 months, the premium “12 months” will be applied and additionally the monthly premium for each additional month according to the chart above.
  • Family: 1 or 2 adults + minimum 1 child under 18 years of age, in total max. 7 persons. Full-aged children are included, if still in formation. Persons of a family premium must not be related to each other.
  • If your travel plan is changing while you already abroad, you can once or several times prolong your policy up to 36 months. The additional premium is exactly counted for the extended time. Please contact us via Email before your present policy expires.
  • If you return earlier than expected to your home country, premiums paid for the remaining travel months will be refunded. Please keep your boarding card or any other document that states the date of your return und get in touch with us when you are back home.
benefits

This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

A. travel health insurance
costs of medical treatment abroad:

  • outpatient medical treatment
  • in-patient medical treatment
  • unpostponable surgery
  • ambulance service for in-patient medical treatment
  • medication, bandaging material, medical appliances
  • massages, medical dressings, inhalations and physiotherapy
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
  • medically indicated treatment during pregnancy due to acute medical condition
  • insurance coverage of € 50.000 for newborn babies in case of premature birth (up to 36. week of pregnancy)
  • medically prescribed radiation, light and other physical treatments
  • X-ray diagnostics
  • if staying in the USA or Canada: first and one-time out-patient treatment of a psychoanalytic and psychotherapeutic disease by a specialist as well as additional costs for traveling back to the home country will be compensated, if in-patient treatment becomes necessary

follow-up treatment abroad:

  • if travelling back to home country as scheduled is not possible because the insured person is unable to be transported due to medical reasons, insurances benefits will be provided abroad until the insured person can be transported back home

return transport, repatriation and funeral costs:

  • medically reasonable return transport to the nearest hospital in the home country of the insured person (if return transport is medically reasonable, will be decided by the contractual physician of the insurer in consultation with the treating physician abroad)
  • although medically not necessary, additional costs of return travel will be covered, if the in-patient treatment abroad will last for at least 14 days and/or costs of medical treatment abroad will exceed costs of a return transport
  • costs of an insured fellow traveller accompanying the insured person, if it is medically necessary, ordered by authorities or required by the transport company
  • additional costs for return travel by any common available means of transportation (lowest class), if in-patient treatment lasts for more than 3 days
  • transportation of the deceased to the permanent place of residence
  • funeral costs abroad (up to the amount of transport costs to the home country)

limitation of insurance coverage:

  • foreseeable expenses (regular purchasing of medicine, regular check-up’s eg.)
  • normal health care during an uncomplicated pregnancy (unexpected complications covered)
  • treatment by spouses, parents or children

pre-existing illness / condition:

  • necessary medical treatment in case of pre-existing illness becoming acute during your journey is included, if complications have not been forseeable on departure

B. travel cancellation insurance (cancellation before departure)
benefits:

  • no deductible
  • refund of cancellation costs according to the service provider´s or tour operator´s cancellation conditions in case of cancellation before departure due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to an insured event (see below)
  • refund of additional costs for your outward journey (max. up to costs of cancelling the trip), if your trip starts later than scheduled due to delay of public transport of at least 2 hours and if you miss your booked and insured flight because of this delay.

insured events (reasons for cancellation):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €
  • unemployment due to compulsory redundancy (file for unemployment)
  • reemployment
  • (voluntary) job change
  • repeat examination at a university, college or school during of within 14 days after the insured journey time
  • failed moving up (if the insured journey was a school trip)
  • unexpected draft, reserve duty training exercise or civilian service
  • delivery of a divorce suit
  • summons, which cannot be postponed
  • unexpected illness, accident or inability to take immunization of a dog also booked for the journey
  • unexpected written revocation of a confirmed semester, traineeship or seminar abroad by the responsible organization (if confirmed in writing at the time of insurance booking)
  • first-time and full-time employment contract after end of study or school within 3 months after termination of study or school

C. interruption (break) of journey (cancellation during your trip)
benefits:

  • in case of premature termination of your trip: refund of additional costs for return travel
  • in case of late return travel: refund of additional costs for return travel

insured events (reasons for interrupting or breaking your journey):

  • unexpected severe illness
  • death
  • accident
  • inability to take immunization (excluded: failure of immunization, lack of adequate antibody value)
  • pregnancy (if not already medically diagnosed at the time of insurance booking)
  • fracture of prostheses (excluded: dental prostheses)
  • essential damage to properties (burglary, natural disaster) of at least 2,500 €
  • acute hazard caused by unexpected riots of all kinds, epidemics, natural disasters (avalanches, landslides, flooding, earthquakes, storms) at place of destination

    additional information (cancellation before and during your journey):
    pre-existing conditions    : If an illness is already existing at the time of insurance booking, insurance coverage is given in case of the illness unexpectedly becoming acute. There is a waiting period of 12 months before insurance booking, if cancellation becomes neccessary due to in-patient treatment of: heart disease, stroke, cancer, diabetes (Typ 1), epilepsy, multiple sclerosis (routine examination unconsidered).

    co-insured relatives:
    Cancellation of your ticket also is insured, if you have to cancel due to one of these insured events occuring to your relatives: unexpected severe illness, death, accident, unability to take immunization, pregnancy, fracture of prostheses.

    relatives: spouses, partner of a cohabitation, children, adopted children, stepchildren, fostered children, parents, adoptive parents, step-parents, foster-parents, grandparents, brothers, sisters, grandchildren, parents-in-law, sons-in-law, daughters-in-law, brothers-in-law. Additionally, but only in case of death: aunts, uncles, nephews, nieces.

    fellow travellers:

    • Up to 4 persons travelling together are insured between themselves - whether or not they related to each other.
    • In case of more than 4 persons travelling together, only relatives are insured among each other.

    D. travel luggage insurance:

    • no deductible
    • insurance coverage for personal baggage at its time value during your journey
    • insurance coverage during the entire journey (leaving the permanent residence until return back
    • checked-in baggage, stored baggage (e.g. airline, ship, hotel) insured against loss, damage, destruction during that time
    • during the remaining travel time personal baggage is insured against damage, destruction by criminal act, means of transport accident, fire, thunderbolt, explosion, storm, flood, landslide, earthquake, avalanche
    • non-delivery of baggage at destination (at least 1 night later): purchase of neccessary items (except valuable articles) up to 500 €
    • also insured: laptop, photo & film equipment, mobile phones, portable DVD player (only hardware)
    • also insured: souvenirs, presents purchased during the trip
    • also insured: sports equipment (if not in intended use)
    • valuable baggage (laptop, photo & film equipment, mobile phones, portable DVD player, jewellery) is only insured, if it was in personal safekeeping or locked up in a room or hotel safe
    • not insured: cash, prepaid cards, cheques, credit cards, identity cards, documents, certificates, art objects, dental gold
    • baggage in motor vehicles and watercrafts: valuable baggage is not insured; remaining baggage insured from 6 to 22 h of during stops of max. 2 hours; during the remaining time, if invisibly locked up in a boot or cabin
    • baggage on official camping sites: insurance coverage only from 6 to 22 h in case of theft or robbery, if stored in a locked tent (excluded valuable baggage, if not in personal selfkeeping)

    E. emergency insurance:

    • no deductible
    • search, salvage and rescue costs up to 5,000 €
    • in-patient stay: compensation of hotel costs (max. 2,500 €, max. 10 days) for fellow travellers of the insured person, if the journey is a round trip or cruise or if the stay abroad must be prolonged because the insured person can not be transported due to medical reasons    
    • if a stay in hospital exceeds 5 days and is not yet finished: traveling costs (outward and return journey) for an on-site visit of 1 related person      
    • organization of repatriation to the home country of the insured person or funeral abroad (only organization costs)     
    • organization of the return transport to the home country in case of death, accident or severe illness of the insured person, fellow travellers or relatives (only organization costs, full coverage of costs for medically reasonable return transport is a benefit only of the health insurance)
    • kidnapping of the insured person or a fellow traveller: loan up to 10,000 €
    • care for under-aged children having to continue or break the journey due to accompanying persons having suffered death, accident or severe illness      
    • assistance to find a lawyer abroad as well as loan (max. 3,000 €) for lawyer, court and/or interpreter   
    • assistance and costs of replacement of stolen or lost identification documents abroad      
    • assistance in blocking of credit cards or debit cards

    F. travel accident insurance:

    • no excess
    • payment of an indemnity in case of death or invalidity as a result of an accident during the journey
    • search, salvage and rescue costs, transport of the insured person to hospital or to place of permanent residence (if ordered by a doctor, up to the amount insured)
    • also insured: passengers of an airplane crash and sports accidents (except  of parachuting/skydiving, training and participation in motor vehicle events)
    • also insured: office job, teaching, administration, tour guide

    G. travel private liability insurance:

    • no deductible
    • private liability damage claims against insured persons
    • requirement: damage event during the journey resulting in death, injury, poor health (personal damage) or destruction of goods (property damage)
    • also insured: loss of foreign house keys (eg. homestay family) up to 250 € (no keys for safe, furniture or motor vehicles)
    • also insured: damage to movable items of homestay families (max. 2,500 €)
    • excluded: any damage related to keeping, driving or owning a motor vehicle (private travel liability insurance is not a third-party vehicle insurance)
    insurance coverage in home country

    If you interrupt your journey once or several times for a short stay in your home country, insurance coverage in your home country is as follows:

    • insured period up to 6 months: no coverage in your home country
    • insured period from   7 to 12 months: 3 weeks
    • insured period from 13 to 60 months: 6 weeks per insurance year

    The limited insurance coverage in home country cannot be saved up during a several years stay abroad.

    requirements:

    • Your stay in home country is an interruption of your journey abroad (which is continued at the end of your stay in home country).
    • The interruption takes place within the insured period.
    • Insurance coverage in home country is equal to insurance coverage abroad: medically necessary treatment (no precaution or routine examination, no continuation of treatment already started abroad), which became necessary during the interruption of the journey.

    If your journey is finished earlier than scheduled (regardless of the reason) there is by no means insurance coverage in the home country. Your insurance policy automatically expires on the day of final return to your home country. Premiums for the remaining months not used because of premature return travel will be refunded. Please contact us.

    how to make a claim (travel health insurance)

    outpatient or in-patient treatment:

    • You can consult any doctor or hospital available at your destination (free choice). A prior coordination with HanseMerkur Reiseversicherung AG is not necessary.
    • In case of emergency please contact the emergency phone number 24 hours a day: (country code for Germany usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone).
    • In any case, a medically reasonable return transport will exclusively be arranged by the emergency call center in co-operation with the doctor / hospital in charge at the destination.
    • Outpatient treatment must be prepaid by the insured person. Please request written diagnostic analysis, the doctor´s bills, receipts and prescriptions. They can be produced in any language or currency.
    • If in-patient treatment is necessary, please immediately contact HanseMerkur. It is possible to arrange direct billing between the hospital and HanseMerkur. Please keep your policy number ready when calling the emergency phone number (country code for Germany usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
    • Please submit your claim to HanseMerkur including original documents (treatment) as well as damage notice (see below) after returning home by mail to: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg.
    • If you prefer to submit your claim already while on journey, we recommend to send all documents through an international courier service in order to avoid the risk of loss of documents.
    • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the doctor or hospital.

    damage notice travel health insurance:

    Austrian residents can submit their documents to the office of HanseMerkur Reiseversicherung AG in Vienna. Please us the damage notice for Austria:

    how to make a claim (cancellation before departure)

    Please consider the following information in the event of damage:

    travel cancellation

    • Please make your cancellation at the airline, travel agency or tour operator without undue delay in the insured event in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
    • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your incapability to travel.

    In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

    • all original booking and cancellation document
    • the doctor´s documents showing diagnose and dates of treatment
    • death certificate in the event of death
    • in the event of unemployment: written compulsory redundancy and file for unemployment benefit
    • in the event of reemployment: written confirmation of the employer stating the start of the employment contract
    • in the event of (voluntary) job change: written statements of old and new employer also stating the employment probation
    • in the event of repeat examination: written confirmation of the university, college or school stating the failed examination as well as date of repeat examination
    • in the event of draft, reserve duty training or civilian service: written confirmation of the authority
    • in the event of divorce suit: copy of court document
    • in the event of summons: copy of court document
    • in the event of first-time and full-time employment contract after end of study or school: written statements of the employer also stating the employment probation
    • in the event of unexpected written revocation of a confirmed semester, traineeship or seminar abroad: written confirmation and revocation issued by the responsible organization

    damage notice:

    contact data of insurer:

    • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
    • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
    how to make a claim (full or partly interruption / break of journey)

    Please consider the following information in the event of damage:

    travel interruption (break) insurance (cancellation after departure)

    • Depending on kind of damage event, various costs can be refunded: additional costs for return travel in case of premature or late return travel, refund of travel services not used due to an interruption of your journey, refund of travel price.
    • Please make your cancellation at the service provider, travel agency or tour operator without undue delay in the insured event in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
    • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your uncapability to travel. There is no insurance coverage, if you first cancelled your booking and then visited a doctor later on.
    • In case of premature or late return travel due to an insured event we recommend to contact your travel agency, tour operator or insurer HanseMerkur to agree the neccassary steps to do and to make any possible changes in bookings comfortable for you.

    In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

    • all original booking and cancellation document
    • the doctor´s documents showing diagnose and dates of treatment (illness)
    • death certificate in the event of death

    damage notice:

    contact data of insurer:

    • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
    • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
    how to make a claim (travel emergency insurance)

    Please consider this information in any case of emergency while you are on jour journey:

    travel emergency insurance

    • In case of emergency please contact the emergency phone number 24 hours a day: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone).
    • As cases of emergency always are reported immediately to the emergency service center, which will take over and deal with the case, there is no specific damage notice.
    how to make a claim (travel accident insurance)

    Please consider the following information in the event of damage:

    travel accident insurance

    • In case of an accident please visit a doctor without undue delay and inform your insurer HanseMerkur Reiseversicherung AG by calling the emergency service center.
    • A fatal accident must be reported within 48 hours - even if the accident itself, now resulting in death, already has been reported.
    • Phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
    • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
    • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT).
    • damage notice in German
    • damage notice in English
    how to make a claim (travel private liability insurance)

    Please consider the following information in the event of damage:

    travel private liability insurance

    • Please do by no means make an acknowledgement of debt.
    • Please note names and full addresses of aggrieved parties and witnesses.
    • Please inform HanseMerkur Reiseversicherung AG and submit the damage notice for verification and further treatment of claims.
    • Phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
    • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
    • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT).
    • damage notice in German
    • damage notice in English
    how to make a claim (travel luggage insurance)

    Please consider this information in the event of damage:

    travel luggage insurance:

    • Documents (reports) concerning damage events can be produced in other languages than German as well as in other currencies than €.
    • Damage caused by criminal acts (e.g. theft, robbery): please report to the local police without undue delay and submit the original documents to HanseMerkur when making your claim.
    • Damage caused during transportation (flight, coach, ship): please report to the transport company without undue delay, ask for a written confirmation (e.g. damage or loss report) and submit the original documents to HanseMerkur when making your claim.
    • Damage caused during a hotel stay (also youth hostel or other kind of accomodation): please report to the management without undue delay, aks for a written conformation and submit the original documents to Hansemerkur when making your claim.
    • If you have booked a package tour: please report to the local tour guide or representative, ask for a written confirmation of your report and submit the original documents to HanseMerkur when making your claim.
    • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT).
    • Additionally to the documents listed above, you have to submit original receipts of the stolen or damaged pieces of luggage especially in case of valuable baggage being affected (e.g. laptop, photo or film equipment, mobile phones, portable DVD player, jewellery).
    • Phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone).
    • Address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
    • damage notice in German
    • damage notice in English
    • damage notice in French
    • damage notice in German (clients from Austria)