Groupama Travel insurance (Go Travel)

The overall sum insured for necessary emergency medical treatment abroad (doctor visits, prescribed medicines, tests, hospitalization, surgery) is freely chosen by the policyholder depending on destination and needs; the T&Cs do not state a default/fixed amount.

An emergency exists when the insured's life or physical integrity is endangered, or irreparable harm could occur, including sudden illness (loss of consciousness, bleeding, acute illness) or accident requiring urgent medical assistance. The insurer always guarantees assistance in any situation of immediate danger to life, regardless of other exclusions.

Covers inpatient treatment costs and choice of the medical facility best suited to the insured's condition. If hospitalization extends beyond the planned end of the trip by more than 7 days and an insured family member accompanies the patient, the insurer pays hotel room costs for the accompanying person up to EUR 100 per night, for a maximum of 7 nights.

Covers ambulatory medical visits at the place where the insured falls ill, X-ray/scanner/laboratory diagnostics, prescribed medicines and necessary walking/medical aids that are part of treating fractures and injuries.

Dental service solely to relieve acute toothache, excluding dentures, implants and similar replacements, for a maximum of 2 teeth, up to EUR 250 per tooth (i.e. up to EUR 500 total).

Covers transport costs by an officially approved emergency service to the nearest hospital or nearest available doctor, exceptionally including taxi transport, and transfer to a specialist clinic if medically indicated and prescribed by a doctor.

If the insured's condition requires repatriation, the insurer organizes transport from the place of stay to the insured's home or to a hospital in the home country, chosen by the insurer's medical staff, with a medical escort if necessary. Total costs of this benefit are capped at 50% of the medical sum insured shown on the policy. If the insurer's doctors deem repatriation possible and the insured refuses, the insurer's services are suspended.

In the event of the insured's death, the insurer organizes and covers transport of the body to the deceased's home, or covers funeral costs at the place of death, up to a limit of 50% of the medical sum insured on the policy (including coffin costs chosen with the heirs' consent).

Covers necessary and proven rescue costs (e.g. helicopter or aircraft rescue) incurred to save the insured's life at inaccessible locations or to provide necessary and urgent medical assistance, up to a limit of EUR 10,000.

Costs caused by epidemics or pandemics, pollution, or natural disasters that were already known before departure are excluded from cover.

Damages arising from chronic illnesses known or that should have been known at the time of concluding the insurance are generally excluded. However, if the insured has a chronic illness during the period of cover and needs urgent help due to an acute state or unexpected worsening, the insurer covers costs up to a maximum of EUR 2,500, provided the insured follows the prescribed medical instructions for that condition.

Clause GOPO 4/2023 does not set any accident or medical limit for skiing; it only insures the insured's own skis, when kept in a properly locked and closed space, against fire and certain other perils plus burglary/robbery, up to EUR 350 — an equipment limit, not a sports-accident or medical limit. Recreational skiing is not listed among the activities excluded under Art. 11(1)(t) of the T&Cs, which excludes only accidents from sport practiced on an amateur or professional basis (registered athletes competing or training); clauses GOPO 1/2023 and GOPO 2/2023 extend medical/accident cover specifically to amateur or professional sporting activity.

Accidents arising from extreme sports, parachute jumps or similar, extreme mountaineering tours without an authorized mountain guide and those above 6,000 m altitude, expeditions and sporting activities in wild waters are fully excluded, with no clause available to buy this back.

Consequences of pregnancy or pregnancy complications are excluded, in particular elective termination, delivery and miscarriage. However, in the event of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child.

Optional add-on cover within the travel package for the insured's non-contractual civil liability for death, bodily injury or damage/destruction of a third party's property, worldwide during the trip except the USA, Canada, New Zealand and Australia. The sum insured is chosen by the policyholder; a per-claim deductible of EUR 100 applies (EUR 135 for damage to glasses and portable electronic devices).

Not mentioned as a separate benefit in the reviewed T&Cs or IPID for this product.