Extracted from source documents

UNIQA Travel insurance (Putovanje I Odmor)

Underwritten by UNIQA osiguranje d.d. · Croatia

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

Verified Aug 30, 2026 · Terms dated 2025-07-28Sources

Online purchase24/7 helpline

Unique selling points

A single annual premium from 33.84 EUR covers an unlimited number of trips abroad, with each trip lasting up to 5 weeks.

Short-term travel health cover can be arranged for as little as 1.59 EUR per day.

Assistance service is available 24 hours a day, 365 days a year, including unlimited free online medical consultations.

Policyholders can choose between three medical sum-insured tiers (10,000, 30,000 or 50,000 EUR) to match their travel risk profile.

Worldwide search-and-rescue costs are covered up to 7,300 EUR, well above what many basic travel policies include.

Coverage limits

Covered

Medical expenses abroad

€10K – €50K

Covers costs of necessary medical treatment and medicines prescribed by a doctor during travel abroad, available at three annual sum-insured tiers: 10,000 EUR, 30,000 EUR or 50,000 EUR.

Section: Osnovne informacije o putnom osiguranju > Pogodnosti za one koji često putuju

godišnja premija ovisi o ugovorenom pokriću koje za premiju od 33,84 eura iznosi 10.000 eura, za premiju od 59,06 eura 30.000 eura, a za premiju od 71,67 eura 50.000 eura.

Covered

Emergency medical treatment

€10K – €50K

Necessary medical treatment for sudden illness or accident during the trip is covered within the same overall sum insured tiers (10,000/30,000/50,000 EUR).

Page 1

Section: Pokriće osiguranja

Dobrovoljno zdravstveno osiguranje za vrijeme puta u inozemstvu ili puta u Hrvatsku za strance pokriva troškove: nužnog liječničkog tretmana i lijekova,

Covered

Hospitalization abroad

Covered

Hospitalization required for acute illness or accident abroad is covered as part of the overall medical treatment sum insured; no separate hospitalization sub-limit is stated in the reviewed documents.

Page 1

Section: Ograničenja pokrića

Nadoknađuju se troškovi razumni i uobičajeni za istu vrstu medicinske usluge u mjestu u kojem se usluga pruža.

Covered

Outpatient treatment

Covered

Outpatient treatment, including telemedicine consultations, for sudden illness or accident is included within the overall medical sum insured.

Page 1

Section: Pokriće osiguranja

telemedicine,

Covered

Emergency dental treatment

€150

Covers emergency dental procedures aimed at relieving acute pain during travel, up to 150 EUR per incident.

Section: Osnovne informacije o putnom osiguranju > Polica putnog zdravstvenog osiguranja već od 1,59 eura dnevno

stomatološki troškovi do 150 eura s ciljem oslobađanja od nepodnošljive boli

Covered

Medically necessary transport

Covered

Covers medically necessary transport of the insured to the nearest appropriate hospital or clinic, within the overall medical sum insured, subject to reasonable and customary local costs.

Page 1

Section: Pokriće osiguranja

medicinski nužnog prijevoza.

Covered

Medical evacuation/transport home

Covered

Covers transport costs from abroad to a Croatian hospital or home, for the insured and one accompanying person, when medically necessary; no separate cap beyond reasonable and customary costs is stated.

Section: Osnovne informacije o putnom osiguranju > Polica putnog zdravstvenog osiguranja već od 1,59 eura dnevno

troškovi prijevoza iz inozemstva u hrvatsku bolnicu ili doma, vas i jedne osobe u vašoj pratnji

Covered

Repatriation of mortal remains

€1.8K

Covers standard transport costs of the deceased insured's remains to their last place of residence; if not organized by the UNIQA assistance service, reimbursement is capped at 1,800 EUR.

Clause Članak 13.

Section: Uvjeti putnog osiguranja > POSEBNE ODREDBE > Poglavlje A > Članak 13.

Ukoliko prijevoz posmrtnih ostataka Osiguranika nije organiziran od strane službe za pomoć UNIQA osiguranja d.d., nadoknađuju se troškovi do najviše 1.800 EUR-a.

Covered

Search and rescue costs

€7.3K

Covers search and rescue costs worldwide up to a maximum of 7,300 EUR.

Section: Osnovne informacije o putnom osiguranju > Polica putnog zdravstvenog osiguranja već od 1,59 eura dnevno

troškovi spašavanja u cijelom svijetu do 7.300 eura

Optional

COVID-19 treatment

Optional

Treatment costs for illnesses caused by an epidemic or pandemic known before departure are excluded; however, if specifically contracted and an additional premium paid, cover for illness caused by COVID-19 arising during the trip can be included.

Excluded

Pre-existing conditions

Excluded

Excludes treatment of chronic diseases, their consequences, and accident consequences that existed or were known (or should have been known) at policy inception, including diseases treated within 6 months before the insurance start, except for acute attacks where treatment was necessary to save the insured's life or relieve acute pain.

Clause Članak 15.Page 5

Section: II. POSEBNE ODREDBE > Poglavlje A > 1. DOBROVOLJNO ZDRAVSTVENO OSIGURANJE OSOBA ZA VRIJEME PUTA I BORAVKA U INOZEMSTVU I U REPUBLICI HRVATSKOJ ZA STRANCE > Članak 15. ŠTO NIJE OBUHVAĆENO OSIGURAVAJUĆOM ZAŠTITOM

liječenjem kroničnih bolesti, njihovih posljedica i posljedica nezgoda koje su postojale ili su bile poznate ili su morale biti poznate u vrijeme sklapanja ugovora o osiguranju, odnosno početka osiguranja čak i ako nisu bile liječene, kao i za posljedice bolesti koje su liječene u posljednjih šest mjeseci prije početka osiguranja, osim u slučaju akutnih napada kada je liječnička pomoć pružena radi spašavanja života osiguranika ili oslobađanja akutne boli;

Winter sports cover

No limit stated

Not addressed in the reviewed policy documents.

Source no longer reachable

Adventure sports cover

No limit stated

Not addressed in the reviewed policy documents.

Source no longer reachable

Pregnancy complications

No limit stated

Not addressed as a distinct benefit in the reviewed policy documents.

Optional

Private liability insurance

Optional

Optional cover for the insured's non-contractual civil liability for death, bodily injury, health damage, or damage/destruction of a third party's property, limited to countries on the European continent; sum insured is stated on the policy.

Page 1

Section: Pokriće osiguranja

Osiguranje privatne odgovornosti pokriva: građanskopravnu izvanugovornu odgovornost osiguranika, za štetu zbog smrti, ozljede tijela ili zdravlja te oštećenja ili uništenja stvari treće osobe.

Legal assistance

No limit stated

Not offered as a distinct benefit in the reviewed policy documents.

Source no longer reachable
Covered

24/7 assistance service

Covered

Round-the-clock UNIQA assistance service, available 24 hours a day, 365 days a year, with unlimited free online consultations, included at no extra cost with all travel policies.

Section: Što sve obuhvaća putno osiguranje > Telemedicina

usluga dostupna 24h, 365 dana u godini neograničen broj online konzultacija

Optional

Baggage theft/loss coverage

€500 – €2.5K

Covers loss, theft, damage or destruction of baggage during travel (traffic accident, natural disaster, burglary/robbery, baggage lost or damaged by the carrier), with a selectable sum insured from 500 to 2,500 EUR; up to 250 EUR is paid for replacement items when baggage does not arrive with the insured.

Section: Što sve obuhvaća putno osiguranje > Osiguranje prtljage

za gubitak prtljage, može se ugovoriti iznos osiguranja od 500 eura do 2.500 eura

Key conditions

Assistance call deadline

In the event of a medical insured claim, the insured must call UNIQA's assistance service on the number stated on the policy; if this is not possible, other claims must be reported without delay and no later than 24 hours after learning of an incident that is reportable to police.

Unauthorized treatment

The insurer is not obliged to cover costs that exceed reasonable and customary amounts for the same type of medical service at the place where it is provided, and it is not responsible for services provided by third-party medical providers outside the coordinated assistance network.

Purchase while abroad

The insurance contract must be concluded before departure abroad; coverage cannot be purchased once the insured is already travelling.

Chronic conditions

Treatment of chronic diseases and their consequences that existed or were known before policy inception is excluded, including diseases treated within the 6 months prior to the start of insurance, except for acute attacks where treatment was necessary to save life or relieve acute pain.

Pregnancy

Not addressed in the reviewed policy documents.

Pre-existing condition exclusions

Pre-existing conditions known or that should have been known at policy inception are excluded from cover, except for acute episodes requiring emergency life-saving or pain-relieving treatment.

Coverage duration limit

Short-term policies can be arranged for 1 to 364 days, while annual policies cover an unlimited number of trips abroad with a maximum of 5 weeks per single trip; costs incurred after the contracted period may still be covered for up to 4 weeks if a health-related return is proven impossible.

Direct payment

Medical claims are reported by phone to the UNIQA assistance service, which coordinates help abroad; the reviewed sources do not state whether providers are paid directly or the insured is reimbursed.

Territorial scope

Voluntary health insurance cover does not apply in Croatia for Croatian citizens or foreigners with regulated residence and mandatory health insurance in their own country; private liability cover is limited to the European continent

Documents

Travel Insurance Terms and Conditions (opens in a new tab)

Terms & conditions · PDF

Travel Insurance Terms and Conditions (archive) (opens in a new tab)

Terms & conditions · PDF

Travel Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Information for the Travel Insurance Policyholder (opens in a new tab)

Other document · PDF

Disability Table (opens in a new tab)

Other document · PDF

Policy specifics

Medical treatment costs abroad

Coverage for necessary medical treatment, medications, and medical transport to nearest hospital or clinic in case of acute illness or accident during travel

Source

Section: Što sve obuhvaća putno osiguranje > Zdravstveno osiguranje

pokriće 50.000 eura za troškove nužnog liječničkog tretmana, lijekova i medicinskog prijevoza u najbližu bolnicu ili ambulantu

Rescue and transport costs

Coverage for search and rescue operations worldwide and medical transport to home country or nearest suitable facility

Source

Section: Osnovne informacije o putnom osiguranju > Polica putnog zdravstvenog osiguranja već od 1,59 eura dnevno

troškovi spašavanja u cijelom svijetu do 7.300 eura troškovi prijevoza iz inozemstva u Hrvatsku, za tebe i jednu osobu u tvojoj pratnji

Emergency dental treatment

Coverage for emergency dental procedures aimed at pain relief during travel

Source

Section: Što sve obuhvaća putno osiguranje > Zdravstveno osiguranje

stomatološki troškovi do 150 eura s ciljem otklanjanja akutne boli

Luggage loss and damage coverage

Coverage for lost, damaged or destroyed luggage due to carrier delay, accident, fire or natural disasters

Source

Section: Što obuhvaća osiguranje prtljage?

Osiguranje prtljage pokriva troškove nastale gubitkom, oštećenjem ili uništenjem prtljage. Takve nezgode događaju se zbog kašnjenja prijevoznika pri isporuci prtljage ili zbog nezgode tijekom vožnje, požara i elementarnih nepogoda.

Trip cancellation and interruption

Coverage for costs incurred when canceling or interrupting travel due to illness or force majeure, reimbursing amounts paid to travel agency

Source

Section: Što sve obuhvaća putno osiguranje > Otkaz putovanja

pokrivamo troškove u visini 90% iznosa koje si uplatio putničkoj agenciji

Accident disability and death benefit

Coverage for permanent disability or death resulting from accidents during travel, with benefits determined according to disability table

Source

Section: Što sve obuhvaća putno osiguranje > Nezgoda

pokriva nezgode koje se dogode na putovanju i koje uzrokuju smrt ili invalidnost osiguranika

24/7 assistance service

Round-the-clock assistance service available in Croatian and other languages, included free with all travel insurance policies

Source

Section: Što sve obuhvaća putno osiguranje > Telemedicina

usluga dostupna 24h, 365 dana u godini

Unlimited annual trips

Annual policy covers unlimited number of trips abroad with maximum 5 weeks per single trip

Source

Section: Osnovne informacije o putnom osiguranju > Pogodnosti za one koji često putuju

ostvaruješ osigurateljnu zaštitu za neograničen broj putovanja u inozemstvo. Pritom jedno putovanje može trajati najduže pet tjedana.

Chronic disease exclusion

Coverage excludes treatment of chronic diseases that existed or were known before insurance inception, except for acute episodes when medical help was necessary to save life

SourceClause Članak 15.Page 5

Section: II. POSEBNE ODREDBE > Poglavlje A > 1. DOBROVOLJNO ZDRAVSTVENO OSIGURANJE OSOBA ZA VRIJEME PUTA I BORAVKA U INOZEMSTVU I U REPUBLICI HRVATSKOJ ZA STRANCE > Članak 15. ŠTO NIJE OBUHVAĆENO OSIGURAVAJUĆOM ZAŠTITOM

liječenjem kroničnih bolesti, njihovih posljedica i posljedica nezgoda koje su postojale ili su bile poznate ili su morale biti poznate u vrijeme sklapanja ugovora o osiguranju, odnosno početka osiguranja čak i ako nisu bile liječene, kao i za posljedice bolesti koje su liječene u posljednjih šest mjeseci prije početka osiguranja, osim u slučaju akutnih napada kada je liječnička pomoć pružena radi spašavanja života osiguranika ili oslobađanja akutne boli;

Policy inception and duration

Health cover begins at 00:00 on the start date stated on the policy, but not before the insured crosses the border on the way abroad and only if the premium has been paid; it ends when the insured crosses the border on return, at the latest at 24:00 on the expiry date.

SourcePage 2

Section: POČETAK I KRAJ OSIGURANJA

Osiguravajuća zaštita dobrovoljnog zdravstvenog osiguranja osoba za vrijeme puta i boravka u inozemstvu i u Republici Hrvatskoj za strance počinje u 00:00 sati onoga dana koji je naveden u polici kao početak osiguranja, ali ne prije nego što osiguranik prijeđe državnu granicu na putu u inozemstvo... a najkasnije u 24:00 sata onoga dana koji je u polici naveden kao dan isteka osiguranja.

Premium payment requirements

Insured person and policyholders are obligated to report all circumstances relevant for risk assessment when concluding and during insurance; policyholders must pay premium within agreed time limits

Source

Assistance service coordination

UNIQA Assistance Service is a company with business cooperation agreement providing services abroad to insured persons according to agreed coverage terms; insurer and assistance service not responsible for services provided by third-party medical providers

SourceClause Članak 1.Page 1

Section: UVODNE ODREDBE > Članak 1. POJMOVI

Služba za pomoć UNIQA osiguranja d.d. - kompanija za asistenciju koja je s osigurateljem sklopila ugovor o poslovnoj suradnji temeljem kojeg se Osiguranicima pružaju usluge u inozemstvu sukladno pokrićima ugovorenih polica osiguranja.

Claims notification procedures

Medical emergencies reported by phone to UNIQA assistance; other claims reported via online service, email, or written form to insurer; insurer may require translations and associated costs deducted from claim amount

SourceClause Članak 7.Page 3

Section: I. OPĆE ODREDBE > Članak 7. PRIJAVA OSIGURANOG SLUČAJA I DOKAZI KOJI SE DOSTAVLJAJU OSIGURATELJU

Osigurani slučaj putnog zdravstvenog osiguranja prijavljuje se telefonom službi za pomoć UNIQA osiguranja, a za ostale vrste pokrića putem prijave na www.uniqa.hr, ili pisanim putem na e-mail [email protected] ili adresu sjedišta osiguratelja u Zagrebu. […] Osiguratelj može zatražiti prijevod računa i prateće medicinske dokumentacije. Troškovi prijevoda bit će odbijeni od iznosa štete.

Reasonable and customary cost requirement

Insurer not obligated to cover costs exceeding reasonable and customary amounts for same type of medical service in relevant location

SourceClause Članak 15.Page 5

Section: II. POSEBNE ODREDBE > Poglavlje A > 1. DOBROVOLJNO ZDRAVSTVENO OSIGURANJE OSOBA ZA VRIJEME PUTA I BORAVKA U INOZEMSTVU I U REPUBLICI HRVATSKOJ ZA STRANCE > Članak 15. ŠTO NIJE OBUHVAĆENO OSIGURAVAJUĆOM ZAŠTITOM

UNIQA osiguranje d.d. nije u obvezi pokriti troškove iznad razumnih i uobičajenih troškova za istu vrstu medicinske usluge u mjestu u kojem se usluga pruža.

Sources

UNIQA Travel insurance

Get a quote from UNIQA(opens in a new tab)Compare Travel insurance insurers in Croatia
Get a quote from UNIQA(opens in a new tab)