Compare travel insurance for Austria

Some 980,000 Brits flock to Austria’s cities, mountains and Christmas markets every year. Here’s how to find the right travel insurance for your trip, giving you peace of mind while you explore.

Some 980,000 Brits flock to Austria’s cities, mountains and Christmas markets every year. Here’s how to find the right travel insurance for your trip, giving you peace of mind while you explore.

Josh Daniels
From the Travel team
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Posted 18 JANUARY 2021

Do I need travel insurance for Austria?

Planning a city break to Vienna or Salzburg, or skiing in Saalbach or Soelden? Whatever the destination, you’ll need to think about travel insurance. The right policy should give you peace of mind in case of loss, theft or cancellation – as well as covering you for accidents in town or on the slopes.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What will travel insurance for Austria cover?

When shopping for travel cover for your holiday in Austria, look for a policy that includes:

  • Medical treatment so you have the reassurance of knowing you’re covered for any accident or illness while you’re away. Some policies also include cover for repatriation back to the UK, if you’re too ill to travel on your pre-booked flight.
  • Cancellation cover can ensure you get your money back if you have to cancel your trip. Check the terms and conditions to see exactly what’s covered. You should also make sure your level of cover is enough to pay for the cost of your trip.
  • Damage, loss or theft should cover you for things like your passport being stolen or your luggage going missing.
  • Winter sports cover. As well as standard cover, this type of policy could cover you for things like losing your ski pass or having your skiing disrupted by piste closure. Check your policy to make sure it covers all the activities you want to do on your trip.

Do I need a visa to go to Austria?

If you’re travelling on a British or EU passport, you won’t need a visa to travel to Austria for up to 90 days in any 180-day period.

Is my European Health Insurance Card (EHIC) valid in Austria?

UK residents can use valid EHIC cards to get state medical care in Austria. The care you can get using the EHIC may not cover all your needs, so you’ll still need travel insurance.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

What else should I think about if I’m going to Austria?

Here are a few things to be aware of to help you enjoy your trip:

  • Opening hours: Across much of Austria, opening hours hark back to old-fashioned Catholic traditions. Most small shops close at 6pm Monday through Saturday, and stay closed on Sundays.
  • Smoking isn’t illegal indoors: Most bars and cafes have smoking and non-smoking areas. However, it’s always best to check.
  • Tipping: If you’re happy with your service, 10% is the standard tip for waiting staff and taxi drivers in Austria.
  • FCO advice: Currently, the FCO is advising people against any non-essential travel

Where can I compare travel insurance quotes for Austria?

The right travel insurance will give you peace of mind on your holiday to Austria. Start comparing travel insurance today to help find cover that’s right for you.

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