Allianz Hrvatska d.d.
Allianz
Allianz is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The insurance premium must be paid in full, in a single payment, before the trip starts, unless otherwise agreed. Available payment methods (card or bank transfer) depend on the chosen sales channel.
Geographic scope
Worldwide, excluding the country of the insured's residence, citizenship, or public healthcare entitlement
Coverage is valid in all countries listed on the policy, except states where the insured has residence, entitlement to public healthcare, or holds citizenship
Unique selling points
- Flexible duration: purchase a single-trip policy for 1 to 365 days, or an annual policy covering unlimited trips up to 28 days each.
- Customer chooses their own sum insured for medical, accident, liability and baggage cover based on destination and needs.
- Instant online purchase with the policy delivered digitally by email immediately after payment.
- 24-hour SOS telephone assistance available in the Croatian language during emergencies abroad.
- Modular package lets customers add accident, liability, baggage, or trip cancellation cover on top of the base medical policy.
Coverage limits
Travel medical expenses
Covered
Base coverage of the package, including costs for emergency and necessary medical services. The sum insured is chosen by the customer according to needs and destination.
Emergency medical treatment
Covered
Covers costs of treatment, medicines, and operations required due to emergency medical intervention or accident abroad.
Hospitalization
Covered
Covers costs of hospital treatment and transport to the nearest hospital in case of illness or injury during the trip.
Outpatient treatment
Covered
Covers costs of outpatient medical services and medicines resulting from an emergency medical intervention or accident.
Emergency dental treatment
Covered
Vaccination and dental costs are excluded, except for emergency dental intervention to relieve acute toothache, which is covered.
Medical transport
Covered
Covers transport costs to the nearest hospital or medical facility in case of illness or injury.
Medical evacuation / repatriation for treatment
Covered
If necessary, the insurer will organize repatriation of the insured for medical treatment.
Repatriation of remains
Covered
In the event of death, the insurer organizes transport of the body back home.
Search and rescue costs
Covered
Covers rescue costs in inaccessible locations or for providing necessary emergency medical assistance.
COVID-19 treatment
Conditional
Damages or costs caused by epidemics are excluded if the epidemic was already known before departure; if unknown at the time of contracting/departure, resulting medical treatment costs are covered under the standard emergency medical benefit.
Pre-existing / chronic conditions
Excluded
Damages arising from chronic diseases, all costs related to treatment of malignant and cancerous diseases, and psychiatric or depressive illnesses are excluded.
Adventure sports cover
No limit stated
Not addressed in the reviewed IPID or T&C summary sources for the base travel medical cover.
Pregnancy complications
Excluded
Consequences of pregnancy or pregnancy complications are excluded from the travel medical cover.
Personal liability insurance
Optional
Optional supplementary cover for non-contractual liability for damages due to death, bodily injury, health impairment, or damage/destruction of third-party property; sum insured is chosen by the customer, with a 100 EUR deductible per claim. Only available with single-trip policies, not with the annual travel policy.
24/7 emergency SOS assistance
Covered
24-hour SOS telephone support in Croatian, guiding the insured to a doctor or medical facility and coordinating necessary care.
Key conditions
Assistance call deadline
The insurer must be notified of an insured event immediately or at the latest within 3-5 days, following the insurer's instructions and submitting all relevant documentation.
Unauthorized treatment
No explicit financial penalty for unauthorized treatment is stated; however, treatment or care that is not the result of an emergency medical intervention or accident, and operations/medical procedures that can safely be postponed until return home, are excluded from cover.
Purchase while abroad
The insurance contract for an individual trip must be concluded exclusively before the trip starts; the product is not intended for clients who already have an active travel medical insurance policy.
Chronic conditions
Damages arising from chronic diseases, including all costs related to malignant/cancerous conditions and psychiatric or depressive illnesses, are excluded.
Pregnancy
Consequences of pregnancy or pregnancy complications are excluded from the medical cover, though a sudden pregnancy disorder can trigger the optional trip cancellation benefit.
Pre-existing condition exclusions
Pre-existing chronic conditions and related treatment costs, including cancer and psychiatric illness, are excluded from cover.
Coverage duration limit
A single-trip travel policy can be contracted for 1 to 365 days; the annual travel policy runs for exactly one year, with each individual trip within it limited to a maximum of 28 days.
Policy specifics
Trip cancellation coverage
Optional additional coverage that can be added to the base travel health insurance policy for trip cancellation
SourceAnnual travel policy
Annual policy covering all trips up to 28 days per trip throughout the year
SourceMedical repatriation
Covers costs of transporting insured person back to home country for medical treatment
SourceCoverage duration options
Travel health insurance can be purchased from 1 to 365 days, or as annual policy
SourceCoverage territory
Travel health insurance covers medical expenses in foreign countries worldwide
Source24-hour emergency support
24-hour SOS telephone support in case of medical emergency or accident while traveling
Source