Sava osiguranje, d.d. - Croatian Branch (branch of Zavarovalnica Sava, d.d. / Sava osiguranje, d.d., Maribor, Slovenia)
Sava osiguranje
Sava osiguranje is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
Sava osiguranje's own materials for Croatia state that in case of an emergency abroad the insured must call the insurer's 24-hour duty assistance centre, which then organises help and coordinates treatment on the spot. However, the detailed Sava conditions for travel insurance (used across the Sava Group, including the Croatian branch) describe the insurer's obligation as reimbursing costs already paid by the insured: the policyholder must submit original invoices and supporting medical documentation with a short description confirming the expense was pre-approved by the insurer, after which Sava refunds the actual amount of costs up to the sum insured stated on the policy. There is no explicit statement in the available Croatian documentation that the insurer always pays hospitals or clinics directly; the process described is primarily 'assist and coordinate, then reimburse' rather than a guaranteed direct-billing arrangement.
Geographic scope
Worldwide, with a selectable 'Europe+' or 'Whole World' territorial option
Policyholder selects between EUROPA+ (Europe and surrounding countries) or CIJELI SVIJET (Worldwide) territorial coverage; COVID-19 treatment costs are only covered under EUROPA+.
Starting price
€7
Indicative — pricing assumptions not stated
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
Covered
No limit stated
Covers emergency treatment costs during travel abroad, including outpatient and hospital treatment; specific sum insured depends on the selected package and is not published on the reviewed pages.
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.
Hospitalization
Covered
No limit stated
Hospital treatment costs abroad are covered depending on the selected package; no specific sum insured is published.
Outpatient treatment
Covered
No limit stated
Outpatient (ambulatory) treatment abroad is covered depending on the selected package; no specific sum insured is published.
Emergency dental treatment
Covered
No limit stated
Emergency dental treatment abroad is listed among covered benefits; no specific sum insured is published.
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.
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.
Repatriation of remains
No limit stated
Not found as a separately described benefit in the reviewed sources.
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.
COVID-19 treatment coverage
Conditional
No limit stated
Only in EUROPA+
COVID-19 treatment costs, including hospital treatment, are covered only under the EUROPA+ territorial option; not available under the CIJELI SVIJET (Worldwide) option.
Winter sports cover
Optional
No limit stated
Only in skijaši
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.
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.
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.
24/7 assistance centre
Covered
No limit stated
A 24/7 assistance centre supports the insured while abroad; the named assistance provider is Assistance CORIS d.o.o. (Ljubljana, Slovenia). No monetary limit applies to this service.
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.
Where to buy
Documents
Pre-contractual information for travel insurance (PUTNO)
Other document
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
SourceSports training and competition coverage
Optional coverage for sports training or competition for all sports types, regardless of professional or recreational activity
SourceFlight delay and luggage loss coverage
Coverage for necessary expenses in case of flight delay or luggage loss, and issuing of new documents
SourceTerritorial coverage selection
Policyholder must select between two territorial coverage options: EUROPA+ or CIJELI SVIJET (Worldwide)
SourceMaximum consecutive travel duration
Individual trip coverage available for trips up to 92 consecutive days; annual policy with 365-day validity available for longer stays
Source24/7 assistance center support requirement
Insured must contact 24-hour assistance center when possible to arrange help abroad; specific contact procedures required
SourceFamily coverage age limit
Family policy covers parents and children up to age 26; premium structure is more favorable than individual policies
SourceNamed 24/7 assistance provider
A 24/7 assistance centre is provided by Assistance CORIS d.o.o. (Ljubljana, Slovenia) to support insured persons while abroad.
SourceSources
- https://www.sava-osiguranje.hr/hr-hr/nikad-sami/putno-osiguranje-korona/
- https://www.sava-osiguranje.hr/hr-hr/nikad-sami/putno-osiguranje-skijanje/
- https://www.sava-osiguranje.hr/hr-hr/osiguranja/putno-osiguranje/
- https://www.sava-osiguranje.hr/hr-hr/osiguranja/putovanja/godisnje-putno-osiguranje/
- https://www.sava-osiguranje.hr/hr-hr/osiguranja/putovanje/obiteljsko-putno-osiguranje/
- https://www.sava-osiguranje.hr/hr-hr/osiguranje-online-webshop/informativni-izracun-cijena-i-kupnja-putnog-osiguranja-online/