Allianz
Allianz is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
If the insured follows the insurer's instructions and contacts the ELVIA/SOS centre before seeking treatment, the insurer pays medical costs directly. If the insured pays out-of-pocket abroad without prior authorisation, they must submit original receipts and medical documentation upon return to Croatia for reimbursement.
Geographic scope
HR
Worldwide – all countries listed on the policy, excluding the insured's country of permanent residence, countries where the insured holds public health-care entitlement, and countries where the insured holds citizenship. For domestic travel (tuzemno), coverage applies within Republic of Croatia for single-trip policies up to 30 days.
Unique selling points
- 24/7 Croatian-language SOS assistance line (via ELVIA service, collect call) available worldwide, coordinating all medical arrangements directly with local providers.
- Emergency dental treatment covered up to 150 EUR for acute toothache relief – included as standard in the base medical coverage without an additional premium.
- Search and rescue operations on inaccessible terrain (including helicopter rescue) covered up to 10,000 EUR, beyond typical market minimums.
- Modular package design lets travellers build their own cover by combining medical, accident, liability, baggage, and trip cancellation modules – all in one policy.
- Instant online policy issuance available through the Allianz webshop; the policy is delivered digitally to the customer's email immediately after payment.
Coverage limits
Medical expenses
€50,000
Standard annual policy covers medical expenses up to 50,000 EUR worldwide. Higher tier available up to 100,000 EUR. Costs covered per insured person up to the agreed insured sum in full, including emergency treatment, surgery, medication, repatriation, and specialist transfers.
Emergency medical treatment
Covered
Covers costs of emergency medical interventions necessary to safeguard the insured's life or to relieve acute pain. Even where general exclusions apply, the insurer always guarantees assistance to the insured person in any situation of immediate life-threatening danger.
Hospitalisation
Covered
Covers inpatient treatment (first medical aid to hospital admission), arrangement of hospital admission in the most appropriate facility, hotel accommodation costs for an accompanying family member up to 50 EUR per night for a maximum of 7 nights if hospitalisation extends beyond 7 days after planned return.
Outpatient treatment
Covered
Covers outpatient medical visits at the location where the insured falls ill, transport to the nearest available doctor, and referrals to specialist clinics when medically indicated and prescribed by a physician.
Emergency dental treatment (acute toothache relief)
Covered
Dental treatment is covered exclusively for the purpose of relieving acute toothache, up to a limit of 150 EUR. Routine dental costs and dental prosthetics are excluded.
Medical transport (emergency transport to hospital)
Covered
Covers costs of transport by officially approved emergency services to the nearest hospital or nearest available physician, including taxi transport in exceptional cases. Also covers transfer to a specialist clinic when medically indicated. Search and rescue operations on inaccessible terrain up to 10,000 EUR.
Medical evacuation / repatriation
Covered
Organises and covers repatriation from the place of stay to the insured's place of residence or to a hospital in the home country selected by the insurer's medical staff, with a medical team escort if required. Total evacuation/repatriation costs are covered up to 50% of the agreed travel health insurance sum insured. Only the insurer's doctors may decide on the advisability and means of repatriation. If the insured refuses repatriation deemed possible by the insurer's doctors, the insurer's obligations are immediately suspended.
Repatriation of mortal remains
Covered
In the event of the insured's death, the insurer organises and covers transport of the body from the place of death to the deceased's home, or covers burial costs at the place of death, up to a limit of 5,800 EUR (including coffin costs). If the insured is not a citizen of the country where death occurred and the family wishes repatriation to the home country, the insurer organises transport and assumes financial responsibility up to 5,800 EUR.
Search and rescue
Covered
The insurer covers necessary and documented costs of search and rescue operations incurred to save the insured's life on inaccessible terrain or to provide urgent and necessary emergency medical aid, including helicopter or aircraft rescue, up to 10,000 EUR.
COVID-19 treatment coverage
Optional
Optional supplementary COVID-19 coverage may be arranged alongside the travel health insurance policy. If the insured was aware of an epidemic risk at the time of purchasing the policy, coverage is limited to emergency medical assistance only (since COVID-19 is treated as a life-threatening disease). If the illness was unknown at the time of policy purchase, full treatment and hospitalisation costs are covered.
Pre-existing conditions
Excluded
Chronic diseases and their consequences are excluded if they existed or were known (or should have been known) at the time the insurance contract was concluded, even if untreated. Diseases treated in the last 6 months before the start of insurance are also excluded, including their consequences – except where medical assistance is required to save the insured's life or relieve acute pain.
Winter sports coverage
Excluded
Accidents arising from amateur or professional participation in sports including winter sports (listed explicitly in the T&C exclusions: e.g. skiing, alpine sports) are not covered under the standard policy. A sports add-on clause (Klauzula PO 1/2013 or PO 2/2013) must be purchased to include amateur or professional sports coverage.
Adventure and extreme sports coverage
Excluded
Accidents from extreme sports (parachuting, base jumping, bungee jumping, mountaineering above 6,000 m, rafting, scuba diving, aerial sports, combat sports, etc.) are excluded even with the sports add-on clause. Extreme activities remain excluded under the standard and sports-extended policies.
Pregnancy complications
Conditional
Pregnancy, childbirth, and intentional termination of pregnancy are excluded. However, in the event of acute complications during pregnancy, the insurer will cover the cost of the first medical intervention necessary to remove the risk to the life of the mother and/or child, provided the pregnant person has not reached 38 weeks of pregnancy and the 30th week of pregnancy has not been completed.
Personal liability insurance
Optional
Optional supplementary coverage for civil non-contractual liability of the insured for damage due to death, bodily injury or health impairment, or damage/destruction of property of a third party. Covers activities as a private individual in everyday life, non-motorised bicycle use, amateur sport (except hunting). Mandatory deductible (franchise) of 100 EUR per claim. Not available on annual policies (only single-trip policies).
Legal assistance (defence against third-party claims)
Conditional
Included within the personal liability coverage (when purchased as add-on). The insurer provides legal protection by examining the insured's liability, conducting litigation in the insured's name, and making statements to defend against unfounded or excessive claims. The insurer may also participate as an intervener in litigation.
24/7 emergency SOS assistance
Covered
Round-the-clock SOS telephone assistance in Croatian language (via ELVIA service, collect call number ++ 431 525 03 6240). Services include: referral to nearest physician or medical facility, arrangement of hospitalisation, overcoming language barriers, communication of information to family, guidance on steps to take if documents/credit cards are stolen, handling unexpected events (messages to local embassy, rebooking of hotel/flight/car rental per instructions).
Key conditions
Assistance call deadline
The insured must contact the insurer/SOS centre no later than 5 days after the insured event, except in unforeseeable circumstances and force majeure events. In emergency medical situations, the insured should contact the 24-hour SOS line (++ 431 525 03 6240, collect call) immediately.
Unauthorized treatment
If the insured did not follow the insurer's instructions (i.e. sought treatment without prior SOS authorisation), they must inform the insurer of the reasons. After establishing the obligation, the insurer will reimburse costs from Article 10 of the T&C including costs of home visits and medicines. However, the insured bears costs of reminders and default interest.
Purchase while abroad
The insurance contract for a single trip must be concluded exclusively before the start of travel. It is not possible to purchase travel insurance while abroad or after the trip has begun.
Chronic conditions
Chronic diseases and their consequences are excluded if they existed, were known, or should have been known at the time the insurance contract was concluded (even if untreated). Also excluded are diseases treated in the last 6 months before the start of insurance, including their consequences – except where medical intervention is needed to save the insured's life or relieve acute pain.
Pregnancy
Pregnancy, childbirth, spontaneous miscarriage and intentional termination of pregnancy are excluded. In the event of acute complications during pregnancy, the insurer will cover the first medical intervention necessary to remove risk to the life of mother and/or child, provided the pregnant person is under 38 years of age and the 30th week of pregnancy has not been completed.
pre_existing_conditions
Conditions known or treated before or at policy inception are excluded. Specifically: chronic diseases existing at inception (even if untreated) and diseases treated in the last 6 months before insurance start are excluded. An exception applies only for life-threatening emergencies or relief of acute pain.
coverage_duration_limit
For individual, family and group policies (plans A, B, C), insurance duration is from 1 to maximum 365 days. For the annual individual policy (plan D), duration is exclusively one year, with each individual trip not exceeding 28 days. Domestic travel (within Croatia) is covered only for up to 30 days per single trip. For coverage longer than one year, a long-term contract with indefinite duration is arranged and automatically renewed until cancelled by either party.
Where to buy
Policy specifics
Trip cancellation
Optional supplementary coverage for trip cancellation that can be purchased as an additional benefit to the main medical insurance or as a standalone policy
Emergency medical assistance and SOS support
24-hour multilingual SOS phone support and emergency medical assistance services for medical treatment costs, emergency transportation, and medical evacuation if needed
Repatriation and medical transportation
Coverage for emergency transportation costs to hospital or nearest available doctor, and repatriation services in accordance with insurance policy terms up to the agreed insurance amount
Baggage/luggage insurance
Optional supplementary coverage for damage to baggage during travel, stay at destination, and return journey. Covers replacement baggage purchase up to 250 EUR if checked baggage does not arrive on the same day
Accident insurance (unforeseen events)
Optional supplementary coverage for unexpected events resulting in bone fractures and death due to accident during travel
Personal liability insurance
Optional supplementary coverage for material costs in case the insured causes death, injury, health endangerment, or destruction of third party property
COVID-19 pandemic coverage
Optional supplementary COVID-19 coverage that can be arranged alongside travel medical insurance, covering treatment and hospitalization costs due to coronavirus infection contracted during travel
Policy duration options
Travel insurance can be arranged for 1 to 365 days for individual trips, or for 365 days (annual policy). Annual policies allow individual trips up to maximum 28 days each
Premium payment timing requirement
Insurance premium must be paid before the start of travel in full, as a single payment
Geographic coverage scope
Allianz travel insurance covers medical costs in all countries worldwide where insured is traveling. Insurance is available for trips abroad (outside Republic of Croatia, 1-365 days) or domestic travel within Croatia (1-30 days)
Eligible persons for insurance
Croatian citizens, residents with valid documents, and foreign nationals with permanent or temporary residence permits in Croatia, or tourists in Croatia can purchase travel insurance
Destination restrictions
Travel insurance cannot be arranged for travel to the insured person's country of residence or country where they have health insurance coverage rights