Pending review

Triglav Travel insurance (Turisticko I Putno Zdravstveno Osiguranje)

Underwritten by Triglav osiguranje d.d. · Croatia

travel insurance from Triglav for the Croatia market, with online purchase and 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2025-08-01Sources

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Key facts

Triglav

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

Covered

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.

Clause Art. 3(4)Page 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

Troškovima nužno potrebnog liječenja u smislu ovih Općih uvjeta smatraju se isključivo troškovi: a) medicinskog tretmana; b) lijekova i zavoja koje prepiše liječnik;

Covered

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.

Clause Art. 3(1)Page 1

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

Osiguratelj pruža pomoć i pokriva troškove potrebne medicinske skrbi nastale uslijed hitne medicinske pomoći čija je jedina svrha otklanjanje posljedica akutnih bolesti ili nesreća

Covered

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.

Clause Art. 3(4)jPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

hospitalizacija do dana kada osiguranikovo zdravstveno stanje dopušta prijevoz u državu stalnog ili privremenog boravišta gdje će nastaviti liječenje.

Covered

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.

Clause Art. 3(4)fPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

ambulantnog pružanja medicinskih usluga ukoliko ambulanta raspolaže dijagnostičkom i terapeutskom opremom te radi po metodama koje su znanstveno priznate i klinički ispitane u državi privremenog boravka osiguranika

Covered

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.

Clause Art. 3(4)iPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

hitnih stomatoloških zahvata, potrebnih za otklanjanje akutne boli zbog bolesti ili oštećenja zuba, uključujući i vađenje zuba te jednostavne popravke zubnih proteza, ali ne i izradu nadomjesnih zuba ili zubnih krunica;

Covered

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.

Clause Art. 3(4)gPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

prijevoza do bolnice, klinike ili zdravstvene ustanove te povratka do mjesta boravka u inozemstvu

Covered

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.

Clause Art. 3(5)aPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

povećani troškovi prijevoza osiguranika u domovinu, ako u mjestu boravka ili bližoj okolici nije moguće pružanje adekvatne medicinske njege (prema mišljenju liječnika), a to može imati utjecaja na pogoršanje bolesnikovog zdravlja; pored toga se priznaju i dodatni povećani troškovi pratnje ako je potrebna medicinska pratnja ili je propisana zakonom;

Covered

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.

Clause Art. 3(5)bPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

u slučaju smrti - povećani nužni troškovi prijevoza u mjesto stalnog boravka ili nužni povećani troškovi koji su posljedica pokopa u inozemstvu, ali najviše do iznosa ugovorenog i navedenog u polici osiguranja.

Covered

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.

Section: Policom su pokriveni:

troškovi traganja i spašavanja osiguranika u planinama i na moru (bez ograničenja nadmorske visine)

Excluded

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.).

Clause Art. 3(6)lPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

posljedica bolesti pandemijskih razmjera sukladno proglasu i kriterijima nadležnog tijela (nadležno ministarstvo, nadležni ministar, svjetska zdravstvena organizacija itd.);

Conditional

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.

Clause Art. 3(6)aPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

kroničnih bolesti i njihovih posljedica, koje su nastale i bile poznate na početku osiguranja, čak i ako nisu bile liječene, kao i bolesti liječenih tijekom zadnja tri mjeseca prije početka osiguranja, uključivo s njihovim posljedicama, osim ako se radi o nepredvidivoj liječničkoj pomoći za otklanjanje akutne životne opasnosti ili za mjere čija svrha je isključivo otklanjanje akutnih bolova

Optional

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.

Clause Art. 3(7)4Page 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

akrobatsko skijanje, turno skijanje, heli skijanje, skijaški skokovi i skijaški letovi, akrobatsko letenje, bungee jumping, base jumping, ronjenje, speleologija

Optional

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.

Clause Art. 3(7)Page 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

Ako nije izričito ugovoreno i ako nije plaćena odgovarajuća veća premija, obveze osiguratelja u pogledu pokrića ili naknade troškova umanjuju se za 33%.

Conditional

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.

Clause Art. 3(6)fPage 2

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

troškova povezanih s trudnoćom, porodom i njegovim posljedicama, osim u slučaju akutnog, nenormalnog tijeka trudnoće i njenih posljedica kada osiguratelj pokriva troškove medicinskih mjera za neposredno otklanjanje životne opasnosti za majku ili dijete, pod uvjetom da trudnici prilikom nastanka akutne komplikacije još nije zaključen 37. tjedan trudnoće;

Covered

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.

Clause Art. 6(1)Page 3

Section: 6. članak - OSIGURANJE PRIVATNE ODGOVORNOSTI

Osiguratelj pokriva štete zbog građanskopravnih odštetnih zahtjeva koje treće osobe postave prema osiguraniku zbog neočekivanog i iznenadnog događaja (nesreće), za kojeg odgovara osiguranik

Conditional

Legal assistance costs abroad

Conditional

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.

Page 1

Section: Pokriće osiguranja > Paket C

Osiguranje povrata troškova za pravnu pomoć u inozemstvu

Covered

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.

Clause Art. 3(2)Page 1

Section: 3. Članak - ZDRAVSTVENO OSIGURANJE NA PUTOVANJIMA U INOZEMSTVU S ASISTENCIJOM

Asistencija je EUROP ASSISTANCE koja pruža pomoć 24 sata dnevno na broj telefona +361 236 7593 ili e-mail-om [email protected]

Covered

Baggage theft and loss

Covered

Covers damage to or destruction of insured baggage and personal belongings; in case of theft, burglary or robbery, also covers loss of the insured items. Also reimburses the cost of essential replacement items (necessary clothing and basic hygiene items), up to EUR 250, if checked baggage does not arrive on the same day as the insured due to a transport delay. Included in Packages B and C; not included in Package A.

Clause Art. 7(1)-(2)Page 3

Section: 7. članak - OSIGURANJE PRTLJAGE I OSOBNIH STVARI

Osiguratelj pokriva, u opsegu koji je određen ovim Općim uvjetima, štetu nastalu zbog oštećenja ili uništenja osiguranih stvari, koja je posljedica neočekivanog i od osiguranikove volje neovisnog događaja. Kod krađe, provalne krađe i razbojništva osiguranje pokriva i štetu zbog nestanka osiguranih stvari. Osiguratelj također nadoknađuje iznos koji je potreban za nabavku zamjenske prtljage (nužna odjeća i osnovne higijenske potrepštine), ako prtljaga koja je predana na prijevoz nije stigla na odredište isti dan kada i osiguranik zbog kašnjenja u prijevozu, ali najviše do iznosa od 250,00 EUR.

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

A travel policy can be concluded for a minimum of 2 days up to a maximum of 1 year. An annual policy does not cover single tourist or business trips longer than 90 days unless otherwise agreed; the A/B/C tourist packages do not cover trips longer than 60 days unless otherwise agreed.

SourceClause Art. 16(1), (5)Page 5

Section: 16. članak - POČETAK I PRESTANAK OSIGURATELJNOG POKRIĆA

Osiguranje se može sklopiti na minimalno dva dana, a najviše na godinu dana. ... U slučaju sklapanja godišnjeg osiguranja, osiguranje ne pokriva turistička putovanja, odnosno službena putovanja koja traju dulje od 90 dana, ako nije drugačije ugovoreno.

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.

Territorial scope

Valid worldwide except Croatia and the insured's country of residence (or, for the non-resident variant, valid exclusively within Croatia).

Documents

General Terms and Conditions for Tourist and Travel Health Insurance (opens in a new tab)

Terms & conditions · PDF

IPID - Tourist Insurance (Packages A/B/C) (opens in a new tab)

Product information sheet · PDF

Policy specifics

Acute exacerbation of chronic disease

Coverage for acute exacerbation of chronic diseases known prior to travel

Source

Section: Policom su pokriveni:

*Ne postoji podlimit za pokriće troškova u slučaju akutnog pogoršanja kronične bolesti osiguranika.

Group insurance discounts

Tiered discounts available for group travel insurance policies based on group size

Source

Section: Prednosti

od 2 do 10 osoba – 5% popusta od 11 do 50 osoba – 10% popusta 51 i više osoba – 20% popusta

Geographic coverage options

Policy can be purchased for coverage within Europe or worldwide travel

Source

Section: Gdje vrijedi tvoja polica?

Tvoja polica vrijedi za putovanja izvan Hrvatske, a možeš ju ugovoriti za područje Europe ili cijelog svijeta.

Non-resident travel medical insurance

Special policy variant available for non-residents purchasing coverage in Croatia

Source

Section: Gdje vrijedi tvoja polica?

U slučaju da ste nerezident koji je kod nas ugovorio policu putnog zdravstvenog osiguranja za nerezidente u Hrvatskoj, ona vrijedi isključivo na području Republike Hrvatske.

24-hour assistance services with Europ Assistance

Policy includes partnership with Europ Assistance for 24/7 medical assistance abroad

Source

Section: Asistencija > Na putovanju