Travel insurance
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| Feature / category | ADRIATIC osiguranje May 13, 2026 Open details | Allianz May 13, 2026 Open details | Croatia osiguranje May 13, 2026 Open details | Euroherc May 13, 2026 Open details |
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| Overview | ||||
Insurer | Adriatic osiguranje d.d. | Allianz Hrvatska d.d. | Croatia osiguranje d.d. | EUROHERC osiguranje d.d. |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | €60,000 | €50,000 | €10,000 – €100,000 | €10,000 – €60,000 |
Medical transport | Covered | Covered | €2,000 | €10,000 – €60,000 |
COVID-19 treatment | The policy excludes events arising from epidemics and pandemics that were known before the start of travel (Article 7, paragraph 1). COVID-19, as a pandemic-related illness, falls under general exclusions if the pandemic was known before the journey commenced. There is no specific COVID-19 coverage clause in the policy terms or IPID. | Optional | €10,000 – €100,000 | Excluded |
Personal liability | Optional | Optional | Not offered | Optional |
Emergency dental | €200 | €150 | €100 | €200 |
Search & rescue | Not offered | €10,000 | €2,500 | Excluded |
Legal assistance | Standalone legal assistance coverage is not offered in this product. Legal protection under the personal liability module (Article 35–36) covers defence against third-party damage claims and court proceedings related to covered liability events, but is available only if the optional personal liability cover is selected and activated within the package. | 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. | Not offered | Excluded |
Emergency medical treatment | Covered | Covered | €10,000 – €100,000 | €10,000 – €60,000 |
Hospitalization | Covered | Covered | €10,000 – €100,000 | €10,000 – €60,000 |
Outpatient treatment | Covered | Covered | €10,000 – €100,000 | €10,000 – €60,000 |
Medical evacuation | Covered | Covered | €2,000 | €10,000 – €60,000 |
Repatriation of remains | €5,000 | €5,800 | €3,000 | €5,000 |
Pre existing conditions | Excluded | Excluded | Chronic diseases, recurring conditions, stress-related mental disorders, and all illnesses previously diagnosed and treated before the insurance contract was concluded are generally excluded. Exceptionally, costs necessary to bring the insured out of life-threatening danger are covered up to a total of 250 EUR. If additionally agreed and an extra premium is paid, and if a listed condition places the insured in a life-threatening situation requiring emergency medical care, the insurer will cover the necessary medical intervention costs up to the agreed insured sum for illness; other medical services, treatments, and aids arising from such intervention are not reimbursed. | Excluded |
Winter sports cover | Skiing and snowboarding on designated ski slopes are not explicitly excluded; however, skiing and snowboarding off designated ski slopes are excluded under Article 7 (general exclusions). Additionally, coverage for amateur sports activities during training or competitions requires special agreement and payment of an additional premium if the insured is a professional or amateur athlete. The policy also covers unused ski lift passes (skipass) up to EUR 30/day and up to 10 days if the insured must be hospitalised or immobilised for 3 or more days due to an insured event. | Excluded | Optional | Skiing and snowboarding are covered when performed on designated ski slopes. Skiing/snowboarding off designated slopes is explicitly excluded (Article 7(8)). For insured events during competitive winter sports training or competition, additional premium surcharges apply (30% for amateur athletes, 60% for professional athletes). The policy also covers unused prepaid ski passes if the policyholder must be hospitalised for 3+ days or immobilised with a cast, up to EUR 30 per day and a maximum of 10 days. |
Adventure sports cover | Excluded | Excluded | Optional | Recreational sport during the journey incurs no surcharge. Participation in competitions and training requires additional premium (30% surcharge for amateur athletes, 60% for professional athletes). Explicitly excluded without additional premium: car/karting/motorcycle racing, fast motor boat racing, scuba diving or underwater fishing without the required licence/certificate, speleology, alpinism, ice climbing, any activities above 6,000m altitude, fast-water sports, rafting, kitesurfing, ski jumping, parachute sports (including tandem), base jumping, bungee jumping, aerial gliding, motorised flight, paragliding, hot air ballooning. |
Pregnancy complications | Routine pregnancy examinations, typical pregnancy complaints, and childbirth are excluded (Article 17, paragraph 1, point 14). However, coverage is provided in life-threatening situations for the mother or child, on the condition that the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy. Costs of termination of pregnancy are also excluded (Article 17, paragraph 1, point 15). | 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. | Excluded | Covered only for life-threatening situations for the mother or child, subject to two cumulative conditions: (1) the pregnant person is under 38 years of age, and (2) the 30th week of pregnancy has not yet passed. Excluded: routine pregnancy check-ups, typical pregnancy complaints, childbirth, changes in chronic conditions due to pregnancy, and termination of pregnancy. |
| Key conditions | ||||
Assistance call deadline | The insured or someone on their behalf must contact the insurer's 24/7 assistance centre immediately upon the occurrence of an insured event, at the latest within 24 hours of the onset of sudden illness or accident during travel abroad, and in all cases before incurring any covered costs. If urgent contact is not possible before seeing a doctor or going to hospital, contact must be made without delay as soon as possible. Failure to comply may reduce the insurer's obligation in proportion to any increased damages resulting from non-compliance, up to and including full loss of claim rights. | 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. | The insured must notify the insurer or its assistance representative immediately upon occurrence of the insured event, or in justified cases no later than 48 hours from the start of illness or the accident, and in all cases before incurring any cost covered by this insurance. Failure to notify on time may result in termination of all insurer obligations. | The policyholder must contact the insurer's assistance centre (+386 2 616 5810) immediately, and in all cases within 24 hours of the onset of sudden illness or the occurrence of an accident during travel abroad, and in every case before incurring any costs covered by this insurance. If urgent contact is not possible before visiting a doctor or hospital, contact must be established as soon as possible. Upon hospital admission, the policyholder must show the travel insurance policy to medical staff. |
Purchase while abroad | The insurance contract must be concluded exclusively before the start of the journey. A contract concluded after the start of travel is considered invalid and produces no rights or obligations for either party. Exceptionally, the insured may extend an existing policy for a subsequent period, provided there is no break in coverage. | 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. | The insurance contract must be concluded and the premium paid exclusively before the start of the trip abroad. A contract concluded after the start of travel is considered invalid. | The insurance contract must be concluded exclusively before the start of the trip. A contract concluded after the trip has started is considered invalid and produces no rights or obligations for either party. Exceptionally, the policyholder may extend coverage under a policy concluded before the trip for a subsequent period after the originally planned expiry, provided there is no break in coverage. |
Chronic conditions | Chronic diseases and their consequences are excluded from coverage, as are conditions that existed, were known, or should have been known to the insured at the time the policy was concluded, regardless of whether they were treated. Diseases treated in the 6 months prior to the start of coverage (or the start of an individual trip under an annual policy) are also excluded, including their consequences. Specific chronic conditions explicitly excluded include: transplanted/removed organs, HIV/AIDS, malignant and cancerous diseases, diabetes, epilepsy, sexually transmitted diseases, and dialysis. | 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. | Chronic diseases, recurring conditions, stress-related mental disorders, and all illnesses previously diagnosed and treated before the insurance contract was concluded are generally excluded. Exceptionally, up to 250 EUR is covered to bring the insured out of life-threatening danger. With an additional premium, life-saving intervention costs are covered up to the agreed insured sum; other related services are not reimbursed. | Chronic diseases and their consequences, as well as accident consequences that existed, were known, or should have been known to the policyholder at the time of concluding the insurance policy — regardless of whether they were being treated — are excluded from coverage. Diseases treated in the 6 months prior to the start of insurance or the start of an individual trip under an annual policy (including their consequences) are also excluded. |
Pregnancy | Routine pregnancy check-ups, typical pregnancy complaints, and childbirth (including changes in chronic conditions as a consequence of pregnancy) are excluded. Coverage is provided only in life-threatening situations for the mother or child, on the condition that the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy. Costs of termination of pregnancy are also excluded. | 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. | Childbirth and complications in pregnancy after 6 months of pregnancy are excluded from coverage. Costs related to artificial insemination, other fertility treatments, and contraception are also excluded. | Pregnancy is covered only in life-threatening situations for the mother or child, subject to two cumulative conditions: (1) the pregnant policyholder is under 38 years of age, and (2) the 30th week of pregnancy has not yet passed. Routine pregnancy check-ups, typical pregnancy complaints during the course of pregnancy, childbirth, changes in chronic conditions as a consequence of pregnancy, and termination of pregnancy are excluded. |
Unauthorized treatment | If the insured does not contact the insurer's assistance before incurring costs (as required), the insured must inform the insurer of the reasons. The insurer will then reimburse covered costs (including outpatient treatment and medication) after verifying the obligation. However, costs that are unreasonably high, or relate to non-urgent treatment that could have been postponed until return to Croatia, will not be reimbursed. Additionally, repatriation costs are not reimbursable if transport is organised by the insured without the insurer's consent. | 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. | If the insured independently determines the manner, form or scope of treatment, repatriation or transport without insurer approval, the insurer is not liable for the costs incurred. If the insured refuses repatriation organised by the insurer, the insurer's obligations cease for all contracted costs from the moment of refusal. | If the policyholder fails to contact the assistance centre as required by Article 18, they must inform the insurer of the reasons for non-compliance. After assessing the obligation, the insurer will reimburse covered costs (including outpatient treatment and medications). Failure to comply with obligations under Article 18 and Article 19 results in a reduction of the insurer's obligation proportionate to the resulting harm, up to complete loss of insurance benefits. |
Pre existing conditions | All pre-existing conditions – whether chronic, previously treated, or known (or that should have been known) at the time of policy conclusion – are excluded. Additionally, illnesses for which the insured received treatment in the 6 months prior to the start of the insurance or prior to the start of an individual trip under an annual policy are excluded, including their consequences. Exception: coverage applies in any life-threatening situation. | 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. | All pre-existing conditions (illnesses diagnosed or treated before taking out the insurance) are excluded, except for emergency life-saving treatment up to 250 EUR. Coverage for pre-existing conditions causing a life-threatening emergency can be extended with an additional premium, limited to the agreed insured sum for illness and only for the life-saving intervention itself. | Pre-existing conditions are explicitly excluded. This includes: chronic diseases and their known consequences; any illness treated in the 6 months before the policy start or the start of a trip under an annual policy; planned treatment abroad; treatment of transplanted or removed organs; HIV/AIDS; malignant and cancerous diseases; diabetes; epilepsy; and sexually transmitted diseases. |
Coverage duration limit | Coverage can be arranged for a minimum of 24 hours and a maximum of one year (annual policy). Annual policies (Plan GP) and semi-annual policies (Plan PGP) are valid for an unlimited number of trips abroad, but each individual trip may not exceed 30 consecutive days. If a trip exceeds 30 days, the insurer is not obliged to pay for insured events that occur after this period. Exception: if an insured event under the voluntary health insurance module occurred before the 30th day, coverage extends for an additional 30 days, provided the insured can prove that transport to their place of residence was not possible. | 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. | Insurance can be taken out for stays abroad of up to one year. For annual multi-trip policies, each individual trip may last a maximum of 30 days; risks arising after expiry of the agreed individual trip period are not covered. Trips must start from the Republic of Croatia. | The insurance policy can be concluded for travel and stay abroad for a minimum of 24 hours and a maximum of one year (annual policy). An annual policy is valid for an unlimited number of trips abroad. However, under an annual policy (Plan GP) or semi-annual policy (Plan PGP), each individual trip may last a maximum of 30 consecutive days. If an individual trip exceeds 30 consecutive days, the insurer is not obliged to pay benefits for an insured event occurring after this deadline. Exceptionally, if an insured event (health insurance) occurred before the 30th day of an individual trip abroad, coverage extends for a further 30 days, provided it can be proven that return transport was not possible. |
| Proof and next steps | ||||
Direct payment policy | If the insured contacts the insurer's assistance before incurring any covered costs (as required by Article 18 of the T&C), covered costs listed in Article 16 are settled directly by the insurer's assistance on behalf of the insurer, with the exception of medication costs which are reimbursed upon claim submission. | 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. | The insurer reimburses documented, justified and necessary medical costs up to the agreed insured sum. The insurer organises and covers repatriation transport directly; if the insured or family arranges transport without prior insurer approval, the insurer covers only up to the amount it would have paid as organiser. All claims are settled exclusively in the Republic of Croatia on the basis of a fully completed claim form with original invoices. | If the policyholder contacts the insurer's assistance centre (AXA Assistance Deutschland GmbH, +386 2 616 5810) before incurring costs, medical expenses listed in Article 16 are settled directly by the assistance centre on behalf of the insurer. Drug costs are reimbursed upon submission of a claim. If contact is not made in advance, the policyholder pays out-of-pocket and is reimbursed after submitting a documented claim. |
Last verified | May 13, 2026 | May 13, 2026 | May 13, 2026 | May 13, 2026 |