Euroherc Travel insurance (Putno Zdravstveno Inozemstvo)
Underwritten by Euroherc osiguranje d.d. · Croatia
travel insurance from Euroherc for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2013-12-01Sources
Unique selling points
Top coverage tier of EUR 60,000 for medical expenses valid worldwide, including the USA, Canada, Japan and Australia.
Covered medical costs are settled directly by the AXA Assistance network on the insurer's behalf, so the insured generally does not need to pay out of pocket except for medicines.
24/7 emergency assistance line operated in cooperation with AXA Assistance Deutschland GmbH for coordinating medical care abroad.
Generous family discounts: 50% off for children under 18 and 10% DUO/TRIO discount for spouses or siblings travelling together.
No premium surcharge for recreational sport during the trip, and cover automatically extends up to 30 days beyond policy expiry if returning home is medically impossible.
Coverage limits
Medical Expenses (Sum Insured)
€10K – €60K
The insured can select a sum insured of EUR 10,000, 15,000, 20,000, 25,000, 30,000, 40,000 or 60,000, representing the maximum amount the insurer owes per insured event. The two highest tiers (40,000 and 60,000 EUR) are valid worldwide; the lower tiers exclude the USA, Canada, Japan and Australia.
Section: TRAVEL INSURANCE > Travel health insurance
Euroherc offers the following amounts of travel health insurance: € 10,000, € 15,000, € 20,000, € 25,000, € 30,000, € 40,000 and € 60,000, noting that the two largest amounts of insurance policy coverage are valid for the whole world, while the other amounts of insurance policy cover all countries except the US, Canada, Japan and Australia.
Emergency Medical Treatment
€10K – €60K
Reimburses costs of urgent necessary medical treatment abroad due to sudden illness or accident (outpatient care, day-hospital treatment, prescribed medicines, medical aids, diagnostics, hospital treatment, surgery, home doctor visits), up to the selected sum insured (Article 16).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
Osiguratelj će nadoknaditi osiguraniku troškove nastale uslijed hitnog neophodnog medicinskog tretmana za vrijeme puta i boravka u inozemstvu, najviše do iznosa osiguranja, za:
Hospitalization
Covered
Hospital treatment in an institution generally regarded as a hospital in the country of stay, under permanent medical supervision, is covered with no separate sub-limit; it falls within the overall selected sum insured (Article 16(1)(6)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
bolničko liječenje u ustanovi koja se općenito u toj inozemnoj zemlji boravka osiguranika smatra bolnicom i koja je pod stalnim nadzorom liječnika, koja ima dovoljan broj dijagnostičke i terapeutske opreme uz korištenje znanstveno priznatih metoda liječenja
Outpatient Treatment
Covered
Ambulatory treatment and day-hospital medical treatment are covered with no separate sub-limit, within the overall sum insured (Article 16(1)(1)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
ambulantno liječenje i medicinske tretmane u dnevnoj bolnici
Emergency Dental Treatment
€200
Dental treatment, including tooth extraction, is covered only for relief of acute toothache, up to EUR 200 per insured person and per insured event (Article 16(1)(10)); routine or final dental treatment, orthodontics, crowns and dentures are excluded (Article 17(1)(19)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
stomatološki tretman, uključivo vađenje zuba, ali samo u svrhu oslobađanja od akutne zubobolje - do 200 EUR po osiguraniku i osiguranom slučaju
Medical Transport
Covered
Transport costs by recognized ambulance, taxi or public transport services to the nearest clinic or hospital, including air ambulance transport, and transfer to a specialized clinic when medically necessary, are covered within the overall sum insured (Article 16(1)(7)-(8)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
troškovi prijevoza od strane priznatih uslužnih servisa za sanitetski prijevoz odnosno taxi-prijevoz ili javni prijevoz u svrhu medicinskog tretmana do najbliže ambulante odnosno bolnice ili do najbližeg raspoloživog liječnika, uključivo i trošak za zračni sanitetski prijevoz
Medical Evacuation / Repatriation for Treatment
Covered
Repatriation (including by air), organized by the insurer's assistance, from abroad to the insured's place of residence or the nearest hospital in Croatia to continue treatment, particularly if hospitalization is expected to exceed 5 days, is covered within the sum insured; additional costs of accompanying medical staff are also reimbursed if medically required. Repatriation not arranged by, or without the consent of, the insurer's assistance is not reimbursed (Article 16(3)(2)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
repatrijacije (uključivo zračne) u organizaciji asistencije osiguratelja iz inozemstva do osiguranikovog mjesta prebivališta odnosno boravka ili najbliže bolnice u Republici Hrvatskoj u cilju nastavka liječenja, čim to bude medicinski dopušteno
Repatriation of Remains
€5K
In the event of death abroad, the insurer reimburses, up to actual costs and a maximum of EUR 5,000, either transport of the insured's remains to their place of residence in Croatia or burial at the place of death abroad (Article 16(2)).
Section: Glava II > Opseg obveza osiguratelja > Članak 16
Osiguratelj će nadoknaditi u slučaju smrti osiguranika tijekom puta i boravka u inozemstvu u visini stvarnih troškova, a najviše do 5.000 EUR: 1) prijevoz posmrtnih ostataka osiguranika u mjesto gdje je imao prebivalište odnosno boravište u Republici Hrvatskoj ili 2) sahranu u mjestu smrti u inozemstvu.
Search and Rescue
Excluded
Search and rescue costs are not among the categories of expense listed as covered under Article 16, and Article 17(1)(21) excludes all other costs for which the insurer is not obligated under that article.
COVID-19 Treatment
Excluded
All insurer obligations are excluded when the insured event arises from an epidemic or pandemic, which are among the general exclusions applicable to all insurances under this package (Article 7(1)(1)).
Section: Glava I > Opća isključenja iz pokrića > Članak 7
potresa, epidemija, pandemija, zagađenja, uslijed prirodnih katastrofa koje su bile poznate prije početka putovanja
Pre-existing Conditions
Conditional
Costs arising from chronic illnesses and their consequences that existed or were known (or should have been known) to the insured at policy inception, as well as illnesses treated in the 6 months before the start of the insurance, are excluded from cover (Article 17(1)(1)-(2)); however, regardless of these exclusions, the insurer will reimburse medical treatment of the insured person in any life-threatening situation (Article 17(2)).
Section: Glava II > Isključenja osigurateljeve obveze > Članak 17
Bez obzira na prethodno navedena isključenja, osiguratelj će nadoknaditi medicinski tretman osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti.
Winter Sports Cover
Optional
Cover for accidents occurring during amateur or professional sporting activity (incl. skiing/snowboarding) requires special agreement in the policy and payment of an increased premium (30% surcharge for amateur athletes, 60% for professional athletes; no surcharge for recreational sport) per Article 17(1)(11) and the insurer's website. Skiing and snowboarding off marked/prepared ski slopes are permanently excluded (Article 7(1)(8)). A separate benefit reimburses an unused ski-pass up to EUR 30/day for up to 10 days if the insured must be hospitalized or immobilized (cast) for 3+ days (Article 16(3)(5)).
Section: Glava I > Opća isključenja iz pokrića > Članak 7
Skijanje i snowboard se smatraju isključenima samo ako se skija /snowborda izvan uređenih staza skijališta
Adventure/Extreme Sports Cover
Optional
General amateur/professional sporting risk can be added by special agreement and an increased premium (Article 17(1)(11)). However, a fixed list of extreme activities is permanently excluded regardless of surcharge: speleology, alpinism, ice climbing, any activity above 6,000 m altitude, whitewater sports, rafting, kitesurfing, ski jumping, and skydiving/base jumping/bungee jumping other than as a passenger on public transport (Article 7(1)(8)).
Section: Glava I > Opća isključenja iz pokrića > Članak 7
speleologije, alpinizma, ice climbinga, bilo kakvih aktivnosti iznad 6.000 m nadmorske visine, sportskih aktivnosti u brzim vodama, raftinga, kitesurfinga i skijaških skokova
Pregnancy Complications
Conditional
Costs related to pregnancy check-ups, typical pregnancy complaints or childbirth are excluded, except to save the life of the mother or child, and then only if the pregnant woman is under 38 years of age and has not passed the 30th week of pregnancy; costs of termination of pregnancy are always excluded (Article 17(1)(14)-(15)).
Section: Glava II > Isključenja osigurateljeve obveze > Članak 17
za troškove glede trudnoće i to pregleda u tijeku trudnoće ili tipičnih pritužbi u tijeku trudnoće ili rođenja djeteta, uključujući promjene u kroničnim stanjima kao posljedice trudnoće, osim u slučaju spašavanja života majke odnosno djeteta, pod uvjetom da je trudnica mlađa od 38 godina i da nije prošao 30. tjedan trudnoće
Personal Liability
Optional
Private liability insurance (covering civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property during travel and stay abroad) is a separate module of the travel insurance package (Glava IV) that must be specifically contracted and for which premium must be paid; it is not automatically included with the health module.
Section: Glava IV > Predmet osiguranja > Članak 28
Osiguranjem je pokrivena građanskopravna izvanugovorna odgovornost osiguranika i osoba za koje on po zakonu odgovara (suosigurane osobe), za štetu zbog smrti, povrede tijela ili zdravlja treće osobe te oštećenja ili uništenja stvari treće osobe tijekom puta i boravka u inozemstvu
Legal Assistance
Optional
Legal defense against unfounded or excessive third-party claims is provided under the separately-contracted private liability module (Articles 35-36), not as part of the base health cover.
Section: Glava IV > Pravna zaštita > Članak 36
Obveza osiguratelja na pružanju pravne zaštite obuhvaća: 1) ispitivanje odgovornosti osiguranika za nastalu štetu
Key conditions
Assistance call deadline
The insured (or someone on their behalf) must immediately, and at the latest within 24 hours of the onset of sudden illness or an accident, contact the insurer's 24/7 assistance centre by phone before incurring any covered cost, provide the requested information, and follow the instructions given.
Unauthorized treatment
Failure to notify the insurer's assistance before incurring costs, or arranging repatriation without the insurer's consent, reduces the insurer's obligation proportionally to the resulting extra damage and may lead to complete loss of the right to indemnity; repatriation organized independently of, or without the consent of, the insurer's assistance is not reimbursed.
Purchase while abroad
The insurance contract must be concluded before the trip begins; a contract concluded after departure is considered invalid and produces no rights or obligations for the parties. An existing policy may only be extended for a following period without any interruption of cover.
Chronic conditions
Costs arising from chronic illnesses and their consequences that existed or were known (or should have been known) to the insured at the time the policy was concluded are excluded from cover, regardless of whether they were treated; however, regardless of this exclusion, the insurer will reimburse medical treatment in any life-threatening situation.
SourceClause Čl. 17(2)Page 9Section: Glava II > Isključenja osigurateljeve obveze > Članak 17
Bez obzira na prethodno navedena isključenja, osiguratelj će nadoknaditi medicinski tretman osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti.
Pregnancy
Costs related to pregnancy check-ups, typical pregnancy complaints or childbirth are excluded, except to save the life of the mother or child, and only if the pregnant woman is under 38 years old and has not passed the 30th week of pregnancy; termination of pregnancy costs are always excluded.
Pre-existing condition exclusions
Illnesses treated by the insured in the 6 months before the start of the insurance (or before the start of an individual trip under an annual policy), including their consequences, are excluded from cover; however, regardless of this exclusion, the insurer will reimburse medical treatment in any life-threatening situation.
SourceClause Čl. 17(2)Page 9Section: Glava II > Isključenja osigurateljeve obveze > Članak 17
Bez obzira na prethodno navedena isključenja, osiguratelj će nadoknaditi medicinski tretman osiguranoj osobi u bilo kojoj situaciji smrtne opasnosti.
Coverage duration limit
Cover can be contracted from 24 hours up to a maximum of one year (annual policy). Under the annual ('Plan GP') or semi-annual ('Plan PGP') policy, each individual trip may last a maximum of 30 consecutive days; if a trip exceeds 30 days, no indemnity is due for events after that period, though cover extends automatically for a further 30 days if the insured proves that return home was impossible due to the medical condition.
Direct payment
If the insured contacts the insurer's assistance service before incurring costs as required, the medical costs covered under Article 16 of the T&Cs are settled directly by the assistance provider on behalf and for the account of the insurer, except for the cost of medicines, which is reimbursed to the insured upon submission of a claim.
Territorial scope
For sums insured of EUR 10,000-30,000, cover excludes the USA, Canada, Japan and Australia; the EUR 40,000 and EUR 60,000 tiers are valid worldwide with no country exclusions
Documents
Policy specifics
Medical Expenses Coverage Levels
Multiple coverage tiers available: EUR 10,000, EUR 15,000, EUR 20,000, EUR 25,000, EUR 30,000, EUR 40,000 and EUR 60,000, with different geographic scope
SourceSection: TRAVEL INSURANCE > Travel health insurance
Euroherc offers the following amounts of travel health insurance: € 10,000, € 15,000, € 20,000, € 25,000, € 30,000, € 40,000 and € 60,000
Trip Cancellation Insurance
Covers cancellation due to unforeseen circumstances including death, serious accident, sudden illness, pregnancy complications, vaccine intolerance, property damage, natural disasters, or military obligations
SourceSection: TRAVEL INSURANCE > Trip cancellation or interruption insurance
Trip cancellation insurance covers cancellation due to unforeseen circumstances e.g. death, an accident resulting in serious injuries, sudden acute illness, complications during pregnancy, vaccine intolerance, damage to property caused by fire, natural disasters or intentional criminal act of a third person, a military drill, work obligations prescribed by a public authority.
Repatriation and Transport Costs
Covers medically necessary and prescribed transport of policyholder from foreign country to permanent residence; also covers transport of deceased remains up to EUR 5,000
SourceSection: TRAVEL INSURANCE > Travel health insurance
the cost of medical necessary and prescribed transport of the policyholder from a foreign country to permanent residence transport costs of the body of the policyholder to the place of residence or funeral expenses at the place of death in the amount up to EUR 5,000
Luggage Delay Insurance
Covers loss, damage or destruction of luggage and cost of purchasing necessary replacement items if hold luggage arrives more than 8 hours after policyholder arrival
SourceSection: TRAVEL INSURANCE > Luggage insurance
the cost of obtaining replacement items for personal use up to a maximum value of EUR 250 in case the luggage does not arrive at the destination, away from the policyholders place of residence for more than 8 hours upon the arrival of the policyholder at the destination.
Discounts and Surcharges Structure
DUO/TRIO discount: 10%; Family children under 18: 50% discount; Family members over 18: 10% discount. Athletes: 30% surcharge (amateur), 60% (professional). Age 65-70: 80% surcharge; Age 70+: 100% surcharge
SourceSection: TRAVEL INSURANCE > Travel health insurance
For DUO or TRIO package (spouses or siblings) Euroherc offers 10% discount In family travel insurance for children under 18 Euroherc offers 50% discount, and 10% for family members over 18 ... Additional coverage for amateur athletes is 30% of the premium, and for professional athletes 60% ... Persons over 65 years of age pay an additional surcharge of 80% of the premium, and persons over 70 pay an additional 100% of the premium for this type of insurance
Sports Equipment Rental Coverage
Covers rental costs of sports equipment for trip duration if equipment brought by policyholder is destroyed, stolen or damaged beyond safe use, up to EUR 400
SourceSection: TRAVEL INSURANCE > Luggage insurance
rental costs of sports equipment for the duration of the trip, if the sports equipment brought by the policyholder is destroyed, stolen or damaged to such an extent that it cannot safely be used, provided that the damages are recoverable under the conditions. The rental of sports equipment can be paid within the stipulated insurance amount up to EUR 400.
Personal accident insurance
Optional module that can be added to the travel insurance package, paying benefits for accidental death, full or partial permanent disability, or a daily hospital stay for treatment resulting from a sudden event acting on the insured's body from outside. If the deceased insured is under 14 years old, the insurer pays 50% of the sum insured for funeral costs; if the affected insured is over 75 years old, the insurer's obligation is limited to 50% of the amount otherwise payable; cover for accidents during amateur or professional sport is limited unless such sport cover is specially agreed with an increased premium paid.
SourcePage 1Section: Pokriće osiguranja
Ako se dodatno ugovori u Vašem paketu osiguranja osigurateljno pokriće može obuhvatiti i: Osiguranje osoba od posljedica nesretnog slučaja (nezgode) - naknadu za svaki iznenadni i od volje osiguranika nezavisni događaj koji, djelujući uglavnom izvana i naglo na tijelo osiguranika, ima za posljedicu njegovu smrt, potpunu ili djelomičnu trajnu invalidnost odnosno boravak u bolnici radi liječenja.
AXA Assistance Partnership
Travel health insurance provided in cooperation with AXA Assistance Deutschland GmbH; covers urgent and necessary medical treatment abroad for sudden illness or accident
SourceSection: TRAVEL INSURANCE > Travel health insurance
Travel health insurance during travel and stay abroad in cooperation with AXA Assistance Deutschland GmbH covers the cost of urgent and necessary medical treatment abroad in case of sudden illness or accident.
Geographic Coverage Limitations
Coverage differs by insurance amount: EUR 40,000 and EUR 60,000 valid worldwide; other amounts exclude USA, Canada, Japan, and Australia
SourceSection: TRAVEL INSURANCE > Travel health insurance
noting that the two largest amounts of insurance policy coverage are valid for the whole world, while the other amounts of insurance policy cover all countries except the US, Canada, Japan and Australia.
Medical Necessity Requirement
Coverage applies to accident or necessary emergency medical treatment required as result of sudden illness that cannot be postponed without danger to life and health until policyholder returns home
SourceSection: TRAVEL INSURANCE > Travel insurance for foreign visitors to the Republic of Croatia
Euroherc provides insurance in case of accident or necessary emergency medical treatment required as a result of sudden illness, which can not be postponed without danger to life and health until the policyholders return home.
Sources
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Euroherc%20osiguranje%20-%20Putno%20osiguranje%20-%20inozemstvo.pdf?v=2#page=1(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=11(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=12(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=24(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=6(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=7(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=8(opens in a new tab)
- prodaja.euroherc.hrhttps://prodaja.euroherc.hr/Documents/Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=9(opens in a new tab)
- euroherc.hrhttps://www.euroherc.hr/en/travel-insurance/(opens in a new tab)
Euroherc Travel insurance