Sava osiguranje Travel insurance (Putno Osiguranje)
Underwritten by Sava osiguranje, d.d. - Podružnica Hrvatska · Croatia
travel insurance from Sava osiguranje for the Croatia market, with online purchase and 24/7 assistance.
Last verified Aug 30, 2026Sources
Key facts
- Sava osiguranje
- Starting price: €7.18per tripAs published by the insurer — it does not say who the price is for
Unique selling points
No age limit on insured persons — anyone regardless of age can be covered.
Sava is among the few insurers whose travel health policy covers hospital treatment caused by COVID-19.
Family travel policies can be up to 50% cheaper than insuring each family member individually.
24/7 assistance centre support combined with a fast, fully online quote-and-purchase process in just a few steps.
Coverage limits
Medical expenses
€20K – €100K
Covers emergency treatment costs during travel abroad, including outpatient and hospital treatment. Maximum sum insured per event depends on the selected package: Osnovni EUR 20,000; Osnovni + EUR 40,000; Prošireni EUR 50,000; Prošireni + EUR 100,000.
Section: Šta pokriva putno osiguranje? > PAKETI OSIGURATELJNOG POKRIĆA
Osnovni paket - s maksimalnom osiguranom svotom po štetnom događaju 20.000 EUR Osnovni + paket - s maksimalnom osiguranom svotom po štetnom događaju 40.000 EUR Prošireni paket - s maksimalnom osiguranom svotom po štetnom događaju 50.000 EUR Prošireni + paket - s maksimalnom osiguranom svotom po štetnom događaju 100.000 EUR
Emergency medical treatment
Covered
No limit stated
Emergency medical assistance abroad is a core covered benefit; no specific monetary limit is published in the reviewed sources.
Section: Zašto odabrati Sava putno osiguranje?
Sve bitno za bezbrižna putovanja: pokriće hitnog liječenja (ambulantno, bolničko, stomatološko), medicinski prijevoz i povratak u RH, posjet osiguraniku u slučaju hospitalizacije.
Hospitalization
Covered
No limit stated
Hospital treatment costs abroad are covered depending on the selected package; no specific sum insured is published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:
Troškovi bolničkog liječenja
Outpatient treatment
Covered
No limit stated
Outpatient (ambulatory) treatment abroad is covered depending on the selected package; no specific sum insured is published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:
Troškovi ambulantnog liječenja
Emergency dental treatment
Covered
No limit stated
Emergency dental treatment abroad is listed among covered benefits; no specific sum insured is published.
Section: Putno zdravstveno osiguranje štiti od brojnih rizika, ovo su neki od njih, ovisno o ugovorenom paketu osiguranja
- Hitna stomatološka pomoć.
Medical transport (to nearest hospital)
Covered
No limit stated
Covers necessary medical transport to the nearest hospital or clinic abroad; no specific sum insured is published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:
Nužni prijevoz do zdravstvene ustanove
Medical evacuation / return transport to Croatia
Covered
No limit stated
Covers transport back to Croatia after treatment abroad concludes, distinct from local transport to the nearest hospital; no specific sum insured is published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:
Prijevoz osiguranika u Hrvatsku po završetku liječenja
Repatriation of remains
Covered
No limit stated
Transport of the insured's remains to Croatia is covered, depending on the selected package; no separate sum insured is published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:
Prijevoz posmrtnih ostataka osiguranika u Hrvatsku
Search and rescue costs
No limit stated
Rescue costs are mentioned only in general text comparing travel insurance to the EHIC, not stated explicitly as a base-package benefit; no sum insured is published.
Section: Razlika između putnog zdravstvenog i Europske kartice zdravstvenog osiguranja
putno zdravstveno osiguranje pokriva troškove privatne zdravstvene zaštite, medicinskog prijevoza u najbližu bolnicu ili ambulantu, troškove spašavanja te troškove prijevoza u Hrvatsku nakon završetka liječenja te mnoga druga pokrića.
COVID-19 treatment coverage
Conditional
No limit stated
COVID-19 treatment costs, including hospital treatment, are covered only under the EUROPA+ territorial option; not available under the CIJELI SVIJET (Worldwide) option.
Section: Kako ugovoriti putno osiguranje online ? > TERITORIJALNO POKRIĆE
Troškovi liječenja uslijed zaraze virusom COVID-19 pokriveni su za teritorijalno pokriće EUROPA+. Za teritorijalno pokriće CIJELI SVIJET troškove liječenja uslijed zaraze virusom COVID-19 nije moguće ugovoriti.
Winter sports cover
Optional
No limit stated
Skiing is offered via a dedicated 'skijaši' package/variant and can be linked to the optional sports training or competition add-on covering all sports; no separate named winter-sports rider or sum insured is published.
Section: Kako odabrati i ugovoriti idealni paket putnog osiguranja?
Ne izlažite se rizicima dodatnih troškova i osigurajte si mirnu savjest na svakom putu u inozemstvo, a posebno dodatne rizike koje predstavlja skijanje.
Adventure/sports training and competition cover
Optional
No limit stated
Optional add-on covering sports training or competition for all sports types, regardless of whether the activity is professional or recreational, selectable during the online quote process.
Želim pokriće za trening ili sportsko natjecanje za sve sportove bez obzira izvodi li se sportska aktivnost profesionalno ili rekreativno.
Personal liability
Optional
No limit stated
Optional add-on covering civil damages claims from third parties against the insured for a sudden accident abroad for which the insured, as a private individual, is responsible, resulting in bodily injury, illness, death, or property damage; coverage applies to all persons on the policy.
Osobna odgovornost pokriva štete zbog građanskopravnih odštetnih zahtjeva trećih osoba prema osiguraniku zbog iznenadnog događaja (nesreće) koji se dogodi u inozemstvu i za koji je osiguranik odgovoran kao fizička osoba, a koji ima za posljedicu: tjelesnu ozljedu, bolest ili smrt osobe (oštećenje osobe), ili uništenje, oštećenje ili nestanak stvari (oštećenje stvari).
24/7 assistance centre
Covered
No limit stated
A 24/7 assistance centre (TBS Team24 d.o.o.) organises help for the insured abroad; contact numbers are 01 66 66 290 (from Croatia) or 00385 1 66 66 290 (from abroad), email [email protected]. No monetary limit applies to this service.
Section: Što učiniti kada vam se na putovanju dogodi nezgoda, a imate policu Sava putnog osiguranja?
TBS Team24 d.o.o. Pozivi u Hrvatskoj: 01 66 66 290 Pozivi izvan Hrvatske: 00385 1 66 66 290 Adresa elektroničke pošte : [email protected]
Baggage loss/theft
Covered
No limit stated
Covers necessary costs following loss of baggage during a flight; included only in certain packages, no limit published.
Section: Šta pokriva putno osiguranje? > Ovisno o izabranom paketu putno osiguranje pruža sljedeća pokrića:; Najčešća pitanja i odgovori > 4. Pokriva li putno osiguranje gubitak prtljage?
Povratak nužnih troškova u slučaju gubitka prtljage tijekom leta ... Pokriva li putno osiguranje gubitak prtljage? Da, određeni paketi uključuju i pokriće gubitka prtljage te nužne troškove koji iz toga proizlaze.
Key conditions
Assistance call deadline
Not stated in the available sources.
Unauthorized treatment
Not stated in the available sources.
Purchase while abroad
Not stated in the available sources.
Chronic conditions
Not stated in the available sources.
Pregnancy
Not stated in the available sources.
Pre-existing condition exclusions
Not stated in the available sources.
Coverage duration limit
Individual trip coverage is available for trips up to 92 consecutive days abroad; for more frequent or longer stays an annual policy (365-day validity, starting around EUR 53.35) is available instead.
Direct payment
In an emergency abroad the insured must, when possible, call the insurer's 24-hour assistance centre, which organises help abroad. The reviewed sources do not state whether providers are paid directly.
Territorial scope
Policyholder selects between EUROPA+ (Europe and surrounding countries) or CIJELI SVIJET (Worldwide) territorial coverage; COVID-19 treatment costs are only covered under EUROPA+.
Documents
Policy specifics
COVID-19 treatment coverage
Coverage for COVID-19 treatment costs is available only for territorial coverage EUROPA+, not for CIJELI SVIJET (Worldwide) variant
SourceSection: Kako ugovoriti putno osiguranje online ? > TERITORIJALNO POKRIĆE
Troškovi liječenja uslijed zaraze virusom COVID-19 pokriveni su za teritorijalno pokriće EUROPA+. Za teritorijalno pokriće CIJELI SVIJET troškove liječenja uslijed zaraze virusom COVID-19 nije moguće ugovoriti.
Sports training and competition coverage
Optional coverage for sports training or competition for all sports types, regardless of professional or recreational activity
SourceŽelim pokriće za trening ili sportsko natjecanje za sve sportove bez obzira izvodi li se sportska aktivnost profesionalno ili rekreativno.
Flight delay and luggage loss coverage
Coverage for necessary expenses in case of flight delay or luggage loss, and issuing of new documents
SourceSection: Zašto odabrati Sava putno osiguranje?
Dodatne koristi: povrat nužnih troškova u slučaju kašnjenja leta ili gubitka prtljage; opcije za osobnu odgovornost i druge dodatke prema paketu.
Territorial coverage selection
Policyholder must select between two territorial coverage options: EUROPA+ or CIJELI SVIJET (Worldwide)
SourceSection: Kako ugovoriti putno osiguranje online ? > TERITORIJALNO POKRIĆE
Cjenik putnog osiguranja omogućava ugovaranje dvaju vrsta teritorijalnog pokrića: Europa + pregledaj zemlje i kartu Cijeli svijet
Maximum consecutive travel duration
Individual trip coverage available for trips up to 92 consecutive days; annual policy with 365-day validity available for longer stays
SourceSource no longer reachable24/7 assistance center support requirement
Insured must contact 24-hour assistance center when possible to arrange help abroad; specific contact procedures required
SourceSection: Što učiniti kada vam se na putovanju dogodi nezgoda, a imate policu Sava putnog osiguranja?
Prilikom poziva osiguranik mora pozivnom centru proslijediti sljedeće podatke: ime i prezime osiguranika koji treba pomoć, broj i valjanost police osiguranja (datum početka i isteka) ,
Family coverage age limit
Family policy covers parents and children up to age 26; premium structure is more favorable than individual policies
SourceSection: Šta je obiteljska polica putnog osiguranja i kome je namjenjena?
Obiteljsko putno pokriva troškove liječenja, nezgode, prtljage i drugih nepredviđenih situacija za članove obitelji tijekom putovanja u inozemstvo. Ugovarate ga za svoju obitelj, roditelje i djecu do 26 godina starosti.
Named 24/7 assistance provider
A 24/7 assistance centre is provided by TBS Team24 d.o.o. to support insured persons while abroad; contact via phone 01 66 66 290 (Croatia) / 00385 1 66 66 290 (abroad) or email [email protected].
SourceSection: Što učiniti kada vam se na putovanju dogodi nezgoda, a imate policu Sava putnog osiguranja?
TBS Team24 d.o.o. Pozivi u Hrvatskoj: 01 66 66 290 Pozivi izvan Hrvatske: 00385 1 66 66 290 Adresa elektroničke pošte : [email protected]
Sources
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/nikad-sami/putno-osiguranje-korona/(opens in a new tab)
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/nikad-sami/putno-osiguranje-skijanje/(opens in a new tab)
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/osiguranja/putno-osiguranje/(opens in a new tab)
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/osiguranja/putovanja/godisnje-putno-osiguranje/(opens in a new tab)Source no longer reachable
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/osiguranja/putovanje/obiteljsko-putno-osiguranje/(opens in a new tab)
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/hr-hr/osiguranje-online-webshop/informativni-izracun-cijena-i-kupnja-putnog-osiguranja-online/(opens in a new tab)
- sava-osiguranje.hrhttps://www.sava-osiguranje.hr/media/store/hr-hr/doc/2021/Informacije-ugovaratelju/Informacije-ugovaratelju-za-putno-osiguranje.pdf#page=1(opens in a new tab)
Sava osiguranje Travel insurance