Euroins

Assistance call deadline

The insured must notify the assistance company before taking any action or incurring any expenses. If contact cannot be established for a justified reason, notification must be made as soon as possible but no later than 3 (three) business days from the insured event. Failure to notify may result in the insurer refusing to cover expenses exceeding EUR 150 incurred without prior approval.

Unauthorized treatment

If the insured does not comply with the instructions given by the assistance company, the insurer has the right to refuse to cover costs exceeding EUR 150 incurred without prior approval from the assistance company or the insurer.

Purchase while abroad

If the insured is already abroad at the time of concluding the insurance contract, coverage begins after 15 (fifteen) days from the start of the contract period, provided the premium has been paid. This restriction does not apply if the new contract is concluded before the expiry of a previous contract covering the same trip.

Chronic conditions

Worsening of chronic diseases is excluded from basic coverage. It is available only as an optional additional rider ("Worsening of chronic disease") that must be explicitly agreed upon and added to the policy. The rider covers urgent/emergency medical assistance in case of sudden acute worsening of a diagnosed chronic condition that directly threatens the insured's health or life.

Pregnancy

Pregnancy, childbirth, and abortion and their consequences are excluded from basic coverage. Complications of pregnancy after the 26th gestational week are available only as an optional additional rider ("Complications of pregnancy after 26 weeks of gestation") that must be explicitly agreed upon. The rider does not cover complications that were known and established before the contract was concluded (risky/pathological pregnancy).

pre_existing_conditions

Pre-existing conditions (past or chronic diseases and their recurrences) are explicitly excluded from coverage. Coverage also excludes non-compliance with prescribed treatment, self-treatment, and any conditions that arose before the start of the insurance contract. Worsening of chronic diseases is available only as an optional additional rider.

coverage_duration_limit

Single-trip policies are valid from 1 day to 1 year. Multitrip annual policies allow unlimited trips with a chosen effective period per trip of 30, 60, 90, or 120 days, with total stay abroad not exceeding 180 days per policy year. For persons aged 65 and above applying for contracts longer than 30 days, a health declaration signed personally by each insured person is required. Coverage ceases upon exhaustion of the liability limit, expiry of the policy period, or the insured's return from abroad, whichever occurs first.

Medical assistance coverage

Coverage for medical expenses in case of accident or acute illness during travel abroad

Lost or stolen luggage coverage

Reimbursement for costs of lost or stolen luggage during travel

Flight delay coverage

Reimbursement for essential goods purchases when flight is delayed over 5 hours

Medical repatriation

Coverage for emergency transport back to home country in case of severe medical condition

Assistance company notification requirement

Insured must notify assistance company before seeking medical help and within 3 business days of incident

Coverage territory restriction

Insurance valid worldwide except USA, Canada, Bulgaria, and country of permanent residence

Pre-existing conditions exclusion

Coverage excludes chronic illnesses, pre-existing conditions, and non-compliance with medical treatment

Age limits for coverage

Traveler policies available for ages 1-70 years; single trip policies for up to 85 years

Policy duration options

Single trip policies from 1 day to 1 year; multitrip annual policies with per-trip duration selection