GRAWE Travel insurance (Grawe Tour)
Underwritten by GRAWE Hrvatska d.d. · Croatia
travel insurance from GRAWE for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2020-10-23Sources
Key facts
- Medical transport up to €10,000
Unique selling points
GRAWE TOUR service center is reachable 0-24h, every day of the year, for reporting insured events while travelling.
The GRAWE TOUR MULTI TRIP annual policy covers an unlimited number of trips within one year, each up to 45 days, for a single premium.
A family policy can cover up to two adults and five minors, all named on the policy.
The policy can be purchased quickly online with instant policy issuance and secure card payment.
Cover explicitly extends to epidemics and pandemics such as Covid-19, including related quarantine accommodation costs, unlike a purely traditional accident/illness-only policy.
Coverage limits
Medical expenses abroad
Covered
Covers necessary hospital and out-of-hospital medical treatment abroad for acute illness (including epidemics/pandemics such as Covid-19) and accident injuries. The minimum sum insured is 20,000 EUR for an individual policy and 40,000 EUR for a family policy; higher sums can be agreed. Costs for a higher standard of medical service are not reimbursed.
Section: Pokriće osiguranja
Naknađuju se troškovi nužnog liječenja, spašavanja te medicinski nužnog prijevoza (uključujući prijevoz helikopterom) u slučaju akutnih bolesti (uključujući epidemiju ili pandemiju kao što je Covid-19)... Minimalna svota osiguranja je 20.000 EUR za pojedinačno, a 40.000 EUR za obiteljsko.
Emergency medical treatment
Covered
Reimburses costs incurred abroad for necessary hospital treatment or treatment outside a hospital due to sudden acute illness or accident; governed by the same overall sum insured as medical expenses (minimum 20,000/40,000 EUR individual/family).
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA ZA VRIJEME PUTOVANJA I BORAVKA U INOZEMSTVU
Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.
Hospitalization
Covered
Covers necessary hospital treatment costs abroad within the overall medical expenses sum insured (minimum 20,000 EUR individual / 40,000 EUR family); no separate hospitalization sub-limit is stated.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA ZA VRIJEME PUTOVANJA I BORAVKA U INOZEMSTVU
Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.
Outpatient treatment
Covered
Covers necessary medical treatment outside a hospital abroad within the overall medical expenses sum insured (minimum 20,000 EUR individual / 40,000 EUR family); no separate outpatient sub-limit is stated.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA ZA VRIJEME PUTOVANJA I BORAVKA U INOZEMSTVU
Naknađuju se troškovi koji su nastali tijekom boravka u inozemstvu zbog nužnog liječničkog tretmana u bolnici ili liječničkog tretmana izvan bolnice.
Emergency dental treatment
Covered
Dental or prosthetic treatment is excluded except for the cost of an emergency dental intervention to remove pain, which is covered; no separate limit is stated for this exception.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 19. U kojim slučajevima je isključena obveza osiguravatelja?
stomatoloških ili protetičkih zahvata (osim troškova hitne stomatološke intervencije za uklanjanje bolova);
Medically necessary transport
€10K
20% of insured sum
Rescue costs and medically necessary transport of the insured are reimbursed up to 20% of the sum insured, but not more than 10,000 EUR.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 18. Koji je opseg osiguravateljeve obveze?
spašavanja i medicinski nužnog prijevoza osiguranika do 20% svote osiguranja, ali najviše 10.000,00 EUR;
Medical evacuation (incl. helicopter/aircraft)
€10K
20% of insured sum
Rescue and medically necessary transport, including helicopter transport where required, is reimbursed up to 20% of the sum insured, maximum 10,000 EUR, as confirmed by the IPID and T&Cs.
Section: Pokriće osiguranja
Naknađuju se troškovi nužnog liječenja, spašavanja te medicinski nužnog prijevoza (uključujući prijevoz helikopterom) u slučaju akutnih bolesti...
Repatriation of remains
Covered
If the insured dies while travelling, the cost of transporting the body is covered; the insurer also organizes and covers the burial abroad or the cost of transporting the body back to Croatia for burial, within the general additional-return-costs cover. No separate sub-limit beyond the overall sum insured is stated.
Section: D. DODATNI TROŠKOVI POVRATKA
Osiguravateljno pokriće se odnosi i na troškove prijevoza osiguranikovog tijela, ako je smrt osiguranika nastupila za vrijeme trajanja putovanja.
Search and rescue
€10K
20% of insured sum
Rescue costs are reimbursed up to 20% of the sum insured, but not more than 10,000 EUR, under the same provision covering medically necessary transport.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 18. Koji je opseg osiguravateljeve obveze?
spašavanja i medicinski nužnog prijevoza osiguranika do 20% svote osiguranja, ali najviše 10.000,00 EUR;
Covid-19 / epidemic and pandemic treatment
Covered
Acute illness caused by an epidemic or pandemic such as Covid-19 is covered within the general medical expenses sum insured, as is quarantine ordered by authorities. Additional accommodation costs caused by quarantine are reimbursed up to 1,000 EUR per insured person.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 18. Koji je opseg osiguravateljeve obveze?
Naknađuju se dodatni troškovi smještaja osiguranika povezanih s karantenom iz točke 6.1.11. ovih Uvjeta i to najviše 1.000,00 EUR po osiguraniku.
Pre-existing conditions
10% of insured sum
Treatment of chronic illnesses that unexpectedly become acute during the trip is reimbursed up to 10% of the sum insured. Chronic illnesses and illnesses that already existed or were known before the trip began, and their consequences, remain excluded. Persons with certain serious organ, physical, mental or nervous-system conditions, or 100% permanent disability, cannot be insured without the insurer's special prior approval.
Section: C. OSIGURANJE TROŠKOVA LIJEČENJA ZA VRIJEME PUTOVANJA I BORAVKA U INOZEMSTVU > 18. Koji je opseg osiguravateljeve obveze?
Naknađuju se troškovi liječenja kroničnih bolesti koje neočekivano postanu akutne i to najviše do 10% svote osiguranja.
Winter sports / skiing cover
Covered
Skiing trips are explicitly listed as a purpose covered by the policy (e.g. treatment of a broken leg while skiing in Austria is used as an example claim). Recreational skiing is not among the risky sports excluded from accident cover, so it is covered under the standard sum insured.
Section: Primjeri kada putno osiguranje čini razliku
Ako na putovanju dođe do iznenadne akutne bolesti ili nezgode (npr. upala slijepog crijeva u Španjolskoj ili prijelom noge na skijanju u Austriji), osiguranje pokriva troškove liječenja, bolničkog smještaja i nužnih zahvata
Adventure / extreme sports cover
Excluded
Accident cover explicitly excludes recreational participation in alpinism, free-climbing, base jumping, bungee jumping, combat sports, horseback riding, diving, high diving above 10m, speleology, mountain biking and other risky sports; professional or extreme sport activity is also excluded even under the amateur-sport clause.
Section: B. OSIGURANJE PUTNIKA OD POSLJEDICA NESRETNOG SLUČAJA (NEZGODE) > 14. U kojim slučajevima je isključena obveza osiguravatelja?
za vrijeme sportske rekreacije u sljedećim sportovima: alpinizmu, freeclimbingu, base jumpingu, bungee jumpingu, borilačkim sportovima, jahanju, ronjenju, skokovima u vodu s visine veće od 10 m, speleologiji, brdskom biciklizmu i drugim rizičnim sportovima;
Pregnancy complications
Excluded
The insurer's liability for treatment costs of pregnancy and all its consequences or complications, including premature birth and hospital stay costs, is fully excluded.
Personal liability
Optional
No limit stated
Private liability insurance, covering the insured's obligation to compensate third parties, can be additionally contracted alongside GRAWE TOUR; no coverage limit is stated in the reviewed documents.
Section: Pokriće osiguranja
Dodatno se može ugovoriti osiguranje od privatne odgovornosti.
Legal assistance
Covered
If the insured is detained abroad, the insurer helps organize legal protection and overcome language barriers; this is an assistance service rather than an indemnity payment, so no monetary limit is stated.
Section: F. DODATNA POKRIĆA ZA VRIJEME PUTOVANJA > 39. Ostala dodatna pokrića
Ako osiguranik bude pritvoren, osiguravatelj će mu pružiti pomoć u organiziranju pravne zaštite i prevladavanja jezičnih barijera.
Key conditions
Assistance call deadline
In the event of necessary hospitalization or an illness requiring repeated outpatient treatment, the insurer must be notified IMMEDIATELY; for trip cancellation/interruption claims, the travel agency and insurer must be notified in writing within 48 hours of the triggering event.
Unauthorized treatment
If the insured fails to report the insured event to the insurer without delay, or arranges necessary transport through an organization other than the one designated by the insurer, the insurer may reduce the indemnity by the amount of the resulting damage.
Purchase while abroad
Cover begins on the start date shown on the policy, but not before the trip begins, provided the premium has been paid; if the policy is issued on its start date, cover begins at 00:00 the following day.
SourceClause 2.1-2.2Page 1Section: A. OPĆI UVJETI > 2. Kada vrijedi osiguranje?
Osiguravateljno pokriće počinje onoga dana i u vrijeme koje je u polici označeno kao početak osiguranja, ali ne prije početka putovanja, uz uvjet da je do tog dana plaćena premija... Ako su datum izdavanja police i početka osiguranja identični, osiguravateljno pokriće započinje u 0:00h sljedećeg dana.
Chronic conditions
Treatment costs for chronic illnesses that unexpectedly become acute during the trip are reimbursed up to 10% of the sum insured; chronic illnesses that already existed or were known before the trip began are excluded.
Pregnancy
Pregnancy and all its consequences or complications (including deliberate termination and childbirth) are excluded from medical expense cover; trip cancellation cover does apply if pregnancy is confirmed only after the travel contract was concluded.
Pre-existing condition exclusions
Persons with organ diseases requiring treatment, severe physical or mental disorders, diseases of the nervous system, persons completely deprived of legal capacity, or persons with an established 100% permanent disability cannot be insured except with the insurer's prior special approval.
Coverage duration limit
A single-trip policy may run from a minimum of 1 day to a maximum of 360 days. Under the annual GRAWE TOUR MULTI TRIP policy, an unlimited number of trips are covered within one insurance year, provided each individual trip lasts no more than 45 consecutive days.
Direct payment
The insurer (or an organization it designates) decides on and directly bears the cost of medically necessary rescue/transport and organizes and covers burial or repatriation of remains abroad; ordinary treatment costs must instead be paid by the insured and are reimbursed against settled original invoices from the doctor or hospital. Using a transport organization other than the one designated by the insurer reduces the indemnity by the resulting damage.
Territorial scope
Cover applies within the contracted territory outside the borders of the Republic of Croatia and outside the insured's place of residence and place of work; baggage cover also applies within Croatia outside the place of residence and work
Documents
GRAWE TOUR Travel Insurance Terms and Conditions (opens in a new tab)
Terms & conditions · PDF
GRAWE TOUR Insurance Product Information Document (opens in a new tab)
Product information sheet · PDF
Pre-contractual notice and information for the policyholder before concluding the GRAWE TOUR travel insurance contract (opens in a new tab)
Other document · PDF
Policy specifics
Trip cancellation
Optional coverage for trip cancellation due to sudden acute illness or inability to travel, not included in basic online policies but available through office booking
SourceSection: GRAWE PUTNO OSIGURANJE > Često postavljena pitanja
Osiguranje otkaza putovanja trenutno nije moguće ugovoriti online putem web shopa uz GRAWE TOUR policu. Online je dostupno samo ugovaranje osiguranja GRAWE TOUR MULTI TRIP s paušalnim pokrićem.
Luggage and baggage insurance
Coverage for loss, delay, or damage to baggage and valuables during travel, standard component of GRAWE TOUR travel insurance package
SourceSection: Primjeri kada putno osiguranje čini razliku
Ako Vam prijevoznik izgubi ili ošteti prtljagu, osiguranje nadoknađuje vrijednost stvari ili nužne troškove zamjene (npr. kupnja odjeće i osnovnih potrepština kod kašnjenja prtljage više od 12 sati)
Accident death and permanent disability sums insured
Minimum sum insured for accidental death is 5,000 EUR for an individual policy and 10,000 EUR for a family policy; minimum sum insured for permanent disability is 10,000 EUR individual and 20,000 EUR family. If the insured is under 14 at death, only funeral costs up to 3,000 EUR are reimbursed.
SourcePage 1Section: Pokriće osiguranja
Minimalna svota osiguranja za slučaj smrti je 5.000 EUR za pojedinačno, a 10.000 EUR za obiteljsko osiguranje. Minimalna svota osiguranja za slučaj trajnog invaliditeta je 10.000 EUR za pojedinačno, a 20.000 EUR za obiteljsko osiguranje.
New trip after medical repatriation
If the insured is transported back to Croatia or a neighboring country for medical reasons, the insurer also reimburses the cost of a new trip of equivalent value to the interrupted one, up to a maximum of 1,500 EUR.
SourceClause 18.2.3Page 3Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 18. Koji je opseg osiguravateljeve obveze?
novog putovanja osiguranika nakon prijevoza iz točke 18.2.2 u vrijednosti putovanja na kojemu je nastupio osigurani slučaj, ali najviše do 1.500,00 EUR.
Amateur sports clause
If specifically contracted, this clause extends accident cover to training and participation in public sports competitions as a registered member of a sports organization, except for professional sport or extreme sports, which remain excluded.
SourcePage 6Section: KLAUZULA ZA AMATERSKO BAVLJENJE SPORTOM
Iznimno od točke 14.1.3. Uvjeta putnog osiguranja GRAWE TOUR osiguravateljno pokriće postoji i pri treningu i sudjelovanju osiguranika u javnim sportskim natjecanjima u svojstvu registriranog člana sportske organizacije, osim pri profesionalnom bavljenju ili bavljenju ekstremnim sportovima.
7-day cancellation right
Policyholder has right to cancel insurance contract within 7 days of purchase and before trip start for full refund of premium
SourceSection: GRAWE PUTNO OSIGURANJE > Često postavljena pitanja
Ako radi vlastitog osjećaja sigurnosti ili procjene ne želite ići na putovanje, a već ste uplatili (ugovorili) GRAWE TOUR, u roku od 7 dana, a svakako prije početka samog putovanja, imate pravo otkazati ugovor o osiguranju te dobiti povrat uplaćene premije.
Residency requirement for Croatian residents
GRAWE TOUR is designed for Croatian citizens or foreign nationals with registered residence in Croatia for minimum 6 months
SourceClause 1.1Page 1Section: A. OPĆI UVJETI > 1. Tko je osiguran?
U polici navedene osobe koje su u trenutku sklapanja ugovora o osiguranju državljani Republike Hrvatske ili strani državljani koji na području Republike Hrvatske imaju uredno prijavljen boravak u trajanju od najmanje šest mjeseci.
Pre-existing conditions exclusion
Persons with organ diseases requiring treatment, severe physical or mental disorders, nervous system diseases, or persons with 100% permanent disability cannot be insured without special insurer approval
SourceClause 1.2Page 1Section: A. OPĆI UVJETI > 1. Tko je osiguran?
Ne mogu se osigurati osobe s bolestima organa koje zahtijevaju liječenje, s teškim fizičkim ili duševnim smetnjama i bolestima živčanog sustava, osobe potpuno lišene poslovne sposobnosti i osobe kod kojih je utvrđen trajni invaliditet od 100%.
Acute illness and accident coverage
Coverage for sudden acute illness or accidents occurring during travel, including emergency medical treatment, hospitalization, and prescribed medications
SourceClause 17.1Page 3Section: C. OSIGURANJE TROŠKOVA LIJEČENJA > 17. U kojim slučajevima postoji osiguravateljno pokriće?
Osiguravateljno pokriće se odnosi na akutne bolesti (uključujući epidemiju ili pandemiju kao što je Covid-19) i tjelesne povrede koje su posljedica nesretnog slučaja (nezgode) osiguranika u inozemstvu te karantenu prema točki 6.1.11. ovih Uvjeta.
Substance abuse exclusion
Illnesses resulting from drug or alcohol use are not covered under the policy
SourceClause 25.2Page 4Section: D. DODATNI TROŠKOVI POVRATKA > 25. Koji je opseg osiguravateljeve obveze?
Bolesti koje su posljedica korištenja droge ili alkohola nisu osigurane;
Sources
- grawe.hrhttps://grawe.hr/fileadmin/grawe_hr/Downloads/IPID/Dokument_s_informacijama_o_proizvodu_osiguranja_GRAWE_TOUR.pdf#page=1(opens in a new tab)
- grawe.hrhttps://grawe.hr/fileadmin/grawe_hr/Downloads/IPID/Dokument_s_informacijama_o_proizvodu_osiguranja_GRAWE_TOUR.pdf#page=2(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=1(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=2(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=3(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=4(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=5(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/fileadmin/grawe_hr/Downloads/Uvjeti_osiguranja/Putno/Uvjeti_putnog_osiguranja_GRAWE_TOUR.pdf#page=6(opens in a new tab)
- grawe.hrhttps://www.grawe.hr/grawe-tour/(opens in a new tab)Source no longer reachable
- grawe.hrhttps://www.grawe.hr/putno-osiguranje/(opens in a new tab)
GRAWE Travel insurance