Croatia osiguranje d.d. (LAQO digital insurance brand)

Assistance call deadline

In case of medical emergency, the insured must immediately notify the LAQO assistance center (CORIS) using the assigned phone number or email and follow the instructions given; for other insured events, written notification is required within 3 days of becoming aware of the event.

Unauthorized treatment

Decisions on the justification and execution of repatriation are made exclusively by the insurer's doctors with the assistance center's prior approval; if the insured refuses the proposed repatriation, the insurer's obligation ceases for all contracted costs arising from the moment of refusal.

Purchase while abroad

LAQO Putno may only be concluded before the trip begins; the insurer is not liable for events occurring if the policy was purchased after travel had already started.

Chronic conditions

Chronic diseases and previously diagnosed/treated conditions are excluded, except when they cause a life-threatening situation or acute pain requiring emergency intervention, which is covered up to the sum insured; follow-on treatment is not covered.

Pregnancy

Pregnancy-related emergency costs are covered, but childbirth and pregnancy complications occurring after the 6th month of pregnancy are excluded.

Pre-existing condition exclusions

Pre-existing conditions already diagnosed or treated before the policy start are excluded, except for emergency life-saving or acute pain-relief intervention, which is covered up to the sum insured.

Coverage duration limit

A single-trip policy covers one trip abroad of up to 30 days; an annual policy covers an unlimited number of trips within a year, each lasting up to 30 days; risks occurring after the 30-day limit of an individual trip are not covered. The insured entry age limit is up to 80 years.

Trip Cancellation Plan B

Optional coverage for trip cancellation with specific conditions and limitations

Luggage and Personal Documents Coverage

Optional coverage for loss, theft, damage or destruction of luggage and personal documents including passports, ID cards, and travel permits

Technical Equipment Coverage

Optional coverage for theft, damage, destruction, loss or delay of technical equipment during travel

Private Liability Coverage (Europe)

Optional coverage for liability for damages caused by the insured person within Europe due to death, bodily injury, health damage, or damage/destruction of others' property

Accidental Death Benefit

Optional coverage for lump-sum payment to the insured person or beneficiaries in case of accidental death or injury

Geographic Coverage Options

Policy can be purchased for two geographic areas: Europe only or Worldwide coverage

Maximum Trip Duration

Single trip policies cover travel up to maximum 30 days; annual multi-trip policies cover unlimited trips up to 30 days each

Emergency Assistance Notification Requirement

In case of medical emergency requiring urgent medical assistance, insured must immediately notify the insurance assistance center using provided phone number or email

Claim Notification Deadline

For non-medical claims, insured must notify insurer within 3 days of becoming aware of the insured event; for medical claims, contact assistance center immediately

Policy Commencement Timing

For same-day travel: policy becomes effective 1 hour after payment. For multi-trip policies: first policy effective from midnight following purchase date; subsequent trips use annual renewal cycle

Croatia Treatment Exclusion

Medical treatment costs incurred in Croatia are not covered under the policy; coverage applies only for treatment received abroad

Pre-Travel Purchase Requirement

LAQO Travel Insurance must be purchased before travel commencement; insurance is not valid for events occurring if policy is purchased after travel has begun

Recreational Sports Coverage

Base policy includes coverage for recreational sports activities such as skiing and snowboarding; professional or competitive sports may require special underwriting