Triglav Insurance d.d.
Triglav
Triglav is a travel insurance for the Croatia market with online purchase and 24/7 assistance.
Direct payment
The assistance partner Europ Assistance organises treatment and, where possible, pays healthcare costs directly to the provider; if the insured pays out of pocket, reimbursement can be requested after returning home upon submission of the policy, complete medical documentation and original invoices.
Geographic scope
Worldwide, excluding the territory of Croatia and the country where the insured has permanent or temporary residence; the policyholder can choose a coverage area of either Europe or the whole world. A separate non-resident variant exists for foreigners travelling to Croatia, valid only within Croatia.
Valid worldwide except Croatia and the insured's country of residence (or, for the non-resident variant, valid exclusively within Croatia).
Unique selling points
- Every insured person on a family or group policy is covered up to the full sum insured of the chosen package, rather than sharing a single limit.
- No sub-limit applies for costs of an acute exacerbation of a known chronic disease.
- Search and rescue costs in mountains and at sea are covered without any altitude restriction.
- Group travel policies benefit from discounts of up to 20% depending on group size.
- 24/7 assistance via Europ Assistance, organising treatment and paying healthcare costs directly to the provider where possible.
Coverage limits
Medical expenses abroad
Covered
Covers proven costs of necessary medical treatment (medical treatment, prescribed medicines and dressings, medical aids, radiology, outpatient services, hospital transport, surgery, hospitalisation) arising from an acute illness or accident during the trip, up to the sum insured stated on the policy. Included in Packages A, B and C; the exact sum insured is selected by the policyholder and not fixed in the public sources reviewed.
Emergency medical treatment
Covered
The insurer provides assistance and covers costs of necessary medical care arising solely from emergency treatment of acute illness or accident during the trip, organised via the 24/7 Europ Assistance contact centre.
Hospitalisation abroad
Covered
Covers hospitalisation costs until the insured's health allows transport to the country of residence; all three packages additionally include a separate 'hospital day' allowance benefit for hospitalisation abroad, though no fixed amount is disclosed in the sources.
Outpatient treatment
Covered
Covers outpatient medical services provided the clinic has diagnostic/therapeutic equipment and works using scientifically recognised and clinically tested methods in the country of temporary residence.
Emergency dental treatment
Covered
Covers emergency dental interventions needed to relieve acute pain from disease or damage to teeth, including tooth extraction and simple denture repairs, but excludes making replacement teeth or crowns.
Medical transport
Covered
Covers transport to hospital, clinic or medical facility and back to the place of stay abroad, as part of necessary treatment costs.
Medical evacuation / repatriation to home country
Covered
Covers increased transport costs to repatriate the insured to their home country, on medical recommendation, if adequate care is not available locally and this could worsen the insured's health; additional escort costs are also covered if medically required or legally prescribed.
Repatriation of remains
Covered
In case of death, covers the increased necessary costs of transporting the remains to the place of permanent residence, or the increased necessary costs of burial abroad, up to the amount agreed and stated on the policy.
Search and rescue costs in mountains and at sea
Covered
Covers the costs of searching for and rescuing the insured if they suffer an accident, illness, or are in distress in the mountains or at sea, with no altitude restriction stated.
COVID-19 / pandemic-related illness treatment
Excluded
COVID-19 is not named specifically, but the T&Cs exclude the consequences of a disease of pandemic proportions as declared by the competent authority (ministry, minister, WHO, etc.).
Pre-existing (chronic) conditions
Conditional
Chronic diseases known at the start of the insurance are excluded, including their consequences, and diseases treated within the last 3 months before the start of insurance, unless the medical assistance needed is unforeseen and solely aimed at removing an acute life-threatening danger or acute pain; the insurer states no sub-limit applies to costs of an acute exacerbation of a known chronic disease within that exception.
Winter sports cover
Optional
If not expressly agreed and an additional premium paid, the insurer's obligations are reduced by 33% for accidents/illness occurring during specific higher-risk winter activities such as acrobatic skiing, ski touring, heli-skiing, and ski jumping/flying; ordinary recreational skiing outside this list is not itself listed as restricted.
Adventure / extreme sports cover
Optional
Unless expressly agreed with an additional premium, benefits are reduced by 33% for accidents/illness arising from motorsport, aerial sports (parachuting, paragliding), unlicensed diving, and extreme/adventure activities such as bungee jumping, base jumping, canyoning, whitewater rafting, mountaineering without qualified guides, and similar.
Pregnancy complications
Conditional
Costs related to pregnancy and childbirth are excluded, except for acute, abnormal course of pregnancy and its consequences occurring before the completed 37th week, where the insurer covers medical measures needed to remove an immediate danger to the life of the mother or child.
Private/personal liability abroad
Covered
Covers civil-law damages claims by third parties against the insured for an unexpected and sudden event causing bodily injury or property damage; a deductible of 10% of the assessed claim (minimum EUR 50 per claim) applies. Included in Packages A, B and C; no fixed sum insured is disclosed in public sources.
Legal assistance costs abroad
Conditional
Only in Paket C
Reimbursement of legal assistance costs incurred abroad is included only in Package C of the Tourist Insurance product; it is not part of Packages A or B, and no specific sum insured is disclosed in the sources reviewed.
24/7 assistance service
Covered
24-hour assistance is provided in cooperation with Europ Assistance (Hungary), reachable by phone, email, QR code scan on the policy, or a web link, providing treatment information, contact with a doctor, and organisation of treatment and transport costs.
Key conditions
Assistance call deadline
The insured should contact the Europ Assistance 24/7 call centre as soon as possible when a claim occurs, so treatment and payment can be organised directly; if this is not possible, a claim must be submitted to the insurer within 3 months of completing treatment, returning home, or (in case of death) after repatriation of the remains.
Unauthorized treatment
No fixed percentage penalty for seeking treatment without prior contact with the assistance company is specified in the T&Cs; however, if the insured fails to meet notification and documentation obligations after a claim, the insurer is not liable for resulting harmful consequences unless those would have occurred regardless.
Purchase while abroad
The insurance contract must be concluded while the insured is in Croatia or in their country of permanent/temporary residence; if concluded while the insured is already abroad, coverage becomes effective only after 5 days from the conclusion of the contract.
Chronic conditions
Costs arising from chronic diseases and their consequences existing and known at the start of insurance (even if untreated), and diseases treated within the last 3 months before the start of insurance, are excluded, except for unforeseen medical assistance needed to remove acute life-threatening danger or solely to relieve acute pain.
Pregnancy
Costs related to pregnancy, childbirth and their consequences are excluded, except for the acute, abnormal course of pregnancy and its consequences before the completed 37th week, when the insurer covers medical measures needed to remove an immediate danger to the life of the mother or child; pregnancy monitoring, termination, and typical pregnancy discomforts are not covered.
Pre-existing condition exclusions
Pre-existing chronic conditions known, or that should have been known, before the policy start are excluded, including their consequences, with a narrow exception for unforeseen emergency treatment of acute life-threatening danger or acute pain relief; the insurer states no sub-limit is applied specifically to the acute exacerbation of a known chronic disease within that exception.
Coverage duration limit
An individual travel policy can be concluded for a minimum of 2 days up to a maximum of 1 year (T&Cs Art. 16(1)). An annual policy does not cover single tourist/business trips longer than 90 days unless otherwise agreed (T&Cs Art. 16(5)); however, the IPID for the Tourist Insurance packages states trips or business travel longer than 60 days are not covered unless otherwise agreed - sources give differing figures (90 vs 60 days) for the maximum single-trip duration.
Policy specifics
Acute exacerbation of chronic disease
Coverage for acute exacerbation of chronic diseases known prior to travel
SourceGroup insurance discounts
Tiered discounts available for group travel insurance policies based on group size
SourceGeographic coverage options
Policy can be purchased for coverage within Europe or worldwide travel
SourceNon-resident travel medical insurance
Special policy variant available for non-residents purchasing coverage in Croatia
Source24-hour assistance services with Europ Assistance
Policy includes partnership with Europ Assistance for 24/7 medical assistance abroad
SourceClaim notification requirement
Requirement to notify insurer of insured event as soon as possible
SourceMinimum and maximum policy duration
Duration limits applicable to individual travel insurance policies.
Source