GRAWE Hrvatska Insurance Joint-Stock Company
GRAWE
GRAWE is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
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.
Geographic scope
Territory can be contracted as Europe (including bordering Mediterranean countries, Jordan, the Canary Islands and Madeira) or worldwide
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
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.
- Family policies can cover up to 7 people, including spouses, children up to 24 years old, and grandparents, under a single 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
€20,000 – €40,000
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.
Emergency medical treatment
€20,000 – €40,000
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).
Hospitalization
€20,000 – €40,000
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.
Outpatient treatment
€20,000 – €40,000
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.
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.
Medically necessary transport
€10,000
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.
Medical evacuation (incl. helicopter/aircraft)
€10,000
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.
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.
Search and rescue
€10,000
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.
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.
Pre-existing conditions
Excluded
Treatment of chronic illnesses and illnesses that already existed before the trip began, and their consequences, is excluded if they existed or were known at the time the contract was concluded. 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.
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.
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.
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.
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.
24/7 assistance service center
Covered
The GRAWE TOUR service center is available 0-24h, every day, for reporting insured events and receiving instructions on further steps.
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
Not stated in the reviewed sources; the product is designed to be purchased before departure by Croatian residents.
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.
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
SourceLuggage and baggage insurance
Coverage for loss, delay, or damage to baggage and valuables during travel, standard component of GRAWE TOUR travel insurance package
SourceAccident 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.
SourceNew 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.
SourceAmateur 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.
Source7-day cancellation right
Policyholder has right to cancel insurance contract within 7 days of purchase and before trip start for full refund of premium
SourceResidency requirement for Croatian residents
GRAWE TOUR is designed for Croatian citizens or foreign nationals with registered residence in Croatia for minimum 6 months
SourcePre-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
SourceAcute illness and accident coverage
Coverage for sudden acute illness or accidents occurring during travel, including emergency medical treatment, hospitalization, and prescribed medications
SourceSubstance abuse exclusion
Illnesses resulting from drug or alcohol use are not covered under the policy
SourceSources
- https://www.grawe.hr/grawe-tour/Source no longer reachable
- https://www.grawe.hr/putno-osiguranje/