LAQO Travel insurance (Laqo Putno)
Underwritten by Croatia osiguranje d.d. · Croatia
travel insurance from LAQO for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2023-04-05Sources
Unique selling points
Offers an aggregate sum insured of up to EUR 35,000 for travel medical costs, backed by a 24/7 CORIS assistance hotline.
Coverage can begin as soon as one hour after payment for trips starting the same day, enabling last-minute purchases.
Base cover automatically includes recreational winter sports such as skiing, plus reimbursement for an unused ski pass if hospitalized.
Policyholders can select from five optional add-ons (luggage & documents, accident, technical equipment, private liability, and trip-cancellation Plan B) to tailor the policy.
LAQO markets fully online trip-cancellation processing (via Plan B) as a feature that differentiates it from other insurers on the market.
Coverage limits
Medical Expenses (aggregate sum insured)
€35K
Aggregate sum insured for travel health insurance is EUR 35,000 per insured person, representing the overall ceiling of the insurer's liability for all insured events during the insurance period, unless a specific sub-limit is stated for a particular cover.
Section: Zajedničke odredbe za LAQO Putno > Značenje pojedinih izraza
Agregatni limit za osigurane slučajeve iz pokrića LAQO Putno je 35.000,00 EUR (263.707,50 KN), ako za pojedino pokriće nije drukčije određeno.
Emergency Medical Treatment
€35K
Covers costs arising from urgent medical assistance needed due to illness or accident during the trip, within the overall EUR 35,000 aggregate limit.
Section: Putno zdravstveno osiguranje > Osigurani slučaj
Osigurani slučaj nastaje kada bolest ili nesretni slučaj za vrijeme puta ili boravka osiguranika u inozemstvu prouzrokuju osiguraniku trošak uslijed korištenja hitne medicinske pomoći.
Hospitalization
€35K
Covers in-patient hospital treatment abroad in a facility recognized as a hospital in the country where the event occurred, within the EUR 35,000 aggregate limit.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
bolničko liječenje u ustanovi koja se općenito u stranoj državi u kojoj je nastupio osigurani slučaj smatra bolnicom koja provodi stalni nadzor nad osiguranikom od strane liječnika
Outpatient Treatment
€35K
Covers outpatient/ambulatory treatment abroad due to illness or accident, within the EUR 35,000 aggregate limit.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
ambulantno liječenje (izvanbolničko liječenje)
Emergency Dental Treatment
€100
Dental treatment is covered only in case of acute toothache, up to EUR 100. Other dental care is excluded.
Section: Putno zdravstveno osiguranje > Iznos osiguranja
do 100 EUR (753,45 KN) za hitni stomatološki tretman
Medical Transport
Covered
Covers transport and rescue by recognized emergency services to the nearest hospital or doctor, and transport to a specialist clinic if medically necessary, within the overall EUR 35,000 aggregate limit (no separate sub-limit other than the helicopter rescue cap).
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
prijevoz i spašavanje od strane priznatih uslužnih servisa za hitnu pomoć u najbližu bolnicu ili do najbližeg dostupnog liječnika
Medical Evacuation / Repatriation for Health Reasons
Covered
Covers justified and necessary repatriation costs if the insured cannot return as originally planned for justified health reasons, decided exclusively by the insurer's doctors with the assistance center's approval, within the EUR 35,000 aggregate limit. If the insured refuses repatriation, the insurer's obligation ceases for all subsequent costs.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
naknadu opravdanih i nužnih troškova repatrijacije ako se iz opravdanih zdravstvenih razloga osiguranik ne može vratiti na način na koji je prvobitno namjeravao. ... Ako osiguranik odbije repatrijaciju, osigurateljna obveza prestaje za sve ugovorene troškove nastale od trenutka osiguranikova odbijanja repatrijacije
Repatriation of Mortal Remains
Covered
Covers justified and necessary costs of transporting the deceased insured person to their place of residence in Croatia, organized by the insurer, within the EUR 35,000 aggregate limit; if the family organized transport before approval, the insurer covers costs up to what it would normally bear as organizer.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
naknadu opravdanih i nužnih troškova prijevoza umrlog osiguranika u mjesto prebivališta u Republici Hrvatskoj Osiguratelj organizira prijevoz umrlog, a ako je obitelj organizirala prijevoz prije odobrenja osiguratelja, osiguratelj snosi troškove do iznosa koji bi uobičajeno snosio kao organizator prijevoza
Helicopter Rescue / Search and Rescue
€2.5K
Helicopter rescue costs are covered up to EUR 2,500, included within the overall EUR 35,000 aggregate sum insured.
Section: Putno zdravstveno osiguranje > Iznos osiguranja
do 2.500 EUR (18.836,25 KN) za spašavanje helikopterom
COVID-19 Treatment
€35K
Hospital treatment for COVID-19 (SARS-CoV-2) and related repatriation are covered within the EUR 35,000 aggregate limit; however, cover excludes epidemics or pandemics that were already known before the trip began.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
bolničko liječenje zbog oboljenja od Covid-19 (SARS-CoV-2) repatrijaciju osiguranika zbog oboljenja od Covid-19 (SARS-CoV-2).
Pre-existing / Chronic Conditions
€35K
Chronic diseases, recurring illnesses, and conditions already diagnosed and treated before the policy was concluded are excluded, except where such a condition causes a life-threatening situation or acute pain requiring emergency medical intervention to save life or relieve acute pain — in which case necessary intervention costs are covered up to the EUR 35,000 sum insured; other related medical services, treatments and aids are not reimbursed.
Section: Putno zdravstveno osiguranje > Isključenje obveze osiguratelja
zbog kronične bolesti, bolesti ponavljajućeg karaktera, kao i sve bolesti koje su već dijagnosticirane i liječene prije sklapanja ovog osiguranja, osim u slučajevima kada je neka od navedenih bolesti dovela osiguranika u stanje zbog kojeg mu je bila pružena hitna medicinska pomoć
Winter / Recreational Sports Cover
€35K
The base policy covers emergency medical costs for recreational sports activities such as skiing, and reimburses an unused ski pass up to EUR 500 if the insured is hospitalized for more than 3 days due to a skiing accident. Skiing outside marked/groomed slopes is excluded.
Section: Putno zdravstveno osiguranje > Što je pokriveno osigurateljnom zaštitom?
troškove neiskorištenog ski-passa ako se osiguraniku tijekom skijanja dogodi nesretni slučaj zbog kojeg je upućen na bolničko liječenje na kojem je boravio u razdoblju dužem od 3 (tri) dana
Adventure / Extreme Sports Cover
Excluded
The policy excludes accidents arising from alpinism, sport flying, parachuting, hang-gliding or gliding, diving or spearfishing, off-piste skiing, and participation in or preparation for auto/motor racing competitions.
Section: Putno zdravstveno osiguranje > Isključenje obveze osiguratelja
kao posljedica nesretnog slučaja u alpinizmu, sportskom letenju, padobranstvu, pri letenju zmajem ili jedrilicama ... kao posljedica skijanja izvan uređenih skijališta odnosno staza, te za vrijeme ronjenja ili podvodnog ribolova
Pregnancy Complications
€35K
Emergency medical costs related to pregnancy are covered within the aggregate limit, except costs related to childbirth or pregnancy complications occurring after the 6th month of pregnancy, which are excluded.
Section: Putno zdravstveno osiguranje > Isključenje obveze osiguratelja
pri porodu ili komplikacijama u trudnoći iza 6. mjeseca trudnoće
Private Liability (Europe)
Optional
Optional add-on covering liability for damage caused by the insured within Europe due to death, bodily injury, health damage, or damage/destruction of another person's property. No specific coverage limit is disclosed in the available sources.
Section: Što sve pokriva osiguranje? > Privatna odgovornost
Ovom opcijom ti je pokrivena odgovornost za štete koje prouzročiš zbog smrti, tjelesne ozljede ili narušenja zdravlja druge osobe, te štete uslijed oštećenja ili uništenja njezinih stvari.
Legal Assistance
Not established from the reviewed documents
No legal assistance / legal expenses cover is mentioned in any of the reviewed sources for LAQO Putno.
24/7 Assistance
Covered
LAQO Putno includes access to a 24/7 assistance service operated by CORIS d.o.o. (CORIS Assistance Croatia), reachable by phone or email, which must be contacted immediately in case of medical emergency.
Section: Putno osiguranje
24/7 Asistencija
Baggage Theft, Loss or Damage Cover
€500
Optional cover for personal baggage against theft, robbery, traffic accident, fire, earthquake, flood, explosion, or mishandling by a carrier or airport, up to EUR 500 per insured event; for annual multi-trip policies the aggregate limit for all such events is EUR 2,600.
Section: Osiguranje prtljage za slučaj njezina otuđenja, gubitka, oštećenja ili uništenja > Iznos osiguranja i agregatni limit
Iznos osiguranja je 500,00 EUR (3.767,25 KN). Kad se LAQO Putno sklapa za više putovanja u inozemstvo koja pojedinačno traju najdulje 30 (trideset) dana, agregatni limit iznosi 2.600,00 EUR (19.589,70 KN) za sve osigurane slučajeve otuđenja, gubitka, oštećenja ili uništenja prtljage.
Key conditions
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.
Direct payment
The T&C do not explicitly describe a cashless/direct-billing arrangement with foreign providers; in a medical emergency the insured must immediately contact the LAQO assistance center (CORIS), which provides instructions and coordinates treatment, transport and hospitalization.
Territorial scope
Covers insured events occurring during travel and stay in Europe, including Turkey and Russia; worldwide cover is available if specifically agreed. Travel health insurance cannot be provided for events in Croatia or in a country where the insured has statutory health-insurance entitlement.
Documents
Policy specifics
Trip Cancellation Plan B
Optional coverage for trip cancellation with specific conditions and limitations
SourceSection: Što sve pokriva osiguranje? > Plan B
S Planom B imaš i dodatne opcije kašnjenja prtljage, naknadu za gubitak osobnih dokumenata, najma sportske opreme i rekvizita, kao i osiguranje otkaza putovanja.
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
SourceSection: Što sve pokriva osiguranje? > Prtljaga i dokumenti
Osiguraj stvari koje nosiš na putovanje, ali i osobne dokumente. Ovom dodatnom opcijom pokrivamo i troškove izdavanje novih osobnih dokumenata u slučaju njihova otuđenja ili gubitka.
Technical Equipment Coverage
Optional coverage for theft or robbery of technical equipment and for its damage or destruction caused by a traffic accident, fire, flood, earthquake or explosion
SourceSection: Što sve pokriva osiguranje? > Tehnička oprema
Tehničku opremu osiguravamo za slučaju krađe ili razbojništva i ako je ona oštećena ili uništena zbog prometne nezgode, požara, poplave, potresa ili eksplozije.
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
SourceSection: Što sve pokriva osiguranje? > Privatna odgovornost
Ovom opcijom ti je pokrivena odgovornost za štete koje prouzročiš zbog smrti, tjelesne ozljede ili narušenja zdravlja druge osobe, te štete uslijed oštećenja ili uništenja njezinih stvari.
Accidental Death Benefit
Optional coverage for lump-sum payment to the insured person or beneficiaries in case of accidental death or injury
SourceSection: Što sve pokriva osiguranje? > Nesretni slučaj
Iako ne želimo misliti o tome, nezgode se događaju. Ugovorenu naknadu ćemo isplatiti tebi ili tvojim bližnjima.
Geographic Coverage Options
Policy can be purchased for two geographic areas: Europe only or Worldwide coverage
SourceSection: Samo još nekoliko sitnica i put pod noge > Gdje vrijedi tvoja polica?
Tvoja polica vrijedi za putovanja izvan Hrvatske, a možeš ju ugovoriti za područje Europe ili cijelog svijeta.
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
SourceSection: Što sve pokriva osiguranje? > Više putovanja
Ako već znaš da ćeš putovati više puta, ne moraš kupovati osiguranje svaki put, već ugovori za neograničeni broj putovanja u jednoj godini s pojedinačnim trajanjem do 30 dana.
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
SourceClause 12Page 5Section: Obveze ugovaratelja osiguranja/osiguranika kad nastane osigurani slučaj
Kod putnog zdravstvenog osiguranja, odmah po nastanku potrebe osiguranika za hitnom medicinskom pomoći potrebno je obavijestiti asistencu osiguratelja koristeći dodijeljeni telefonski broj ili e-mail kontakte
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
SourceClause 12Page 5Section: Obveze ugovaratelja osiguranja/osiguranika kad nastane osigurani slučaj
Kod nastanka ostalih osiguranih slučajeva ugovaratelj osiguranja/osiguranik dužan je odmah, a najkasnije u roku 3 (tri) dana od dana saznanja dostaviti osiguratelju pisanu prijavu štete
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
SourceSection: Samo još nekoliko sitnica i put pod noge > Otkad vrijedi tvoja polica?
Ako na putovanje ideš danas, tvoje putno osiguranje započinje sat vremena nakon plaćene police. Ako ugovaraš više putovanja, polica za prvo putovanje vrijedi od ponoći (sutradan) od dana ugovaranja.
Croatia Treatment Exclusion
Medical treatment costs incurred in Croatia are not covered under the policy; coverage applies only for treatment received abroad
SourceTroškovi liječenja nastali u RH nisu u pokriću.
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
SourceSection: Putno osiguranje > Mogu li ugovoriti LAQO Putno ako je putovanje započelo?
LAQO Putno sklapa se isključivo prije početka putovanja. LAQO nije u obvezi za sve događaje koji nastanu ako je osiguranje ugovoreno nakon početka putovanja.
Recreational Sports Coverage
Base policy includes emergency medical costs for recreational sports activities such as skiing; accidents in professional sport or in organised amateur (registered, competitive) sport are excluded.
SourceSection: Što sve pokriva osiguranje? > Jedno putovanje
Na putovanju u trajanju do 30 dana izvan Hrvatske pokrivamo troškove za hitnu medicinsku pomoć ili liječenje uslijed bolesti ili nesretnog slučaja. Uključene su i rekreativne sportske aktivnosti poput skijanja.
Sources
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=13(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=2(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=4(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=5(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=7(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=8(opens in a new tab)
- media.laqo.hrhttps://media.laqo.hr/uploads/LAQO_Uvjeti_Laqo_Putno_edb017c75a.pdf#page=9(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/najcesca-pitanja/putno-osiguranje/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/putno-osiguranje/(opens in a new tab)
- laqo.hrhttps://www.laqo.hr/stete/putno/(opens in a new tab)
LAQO Travel insurance