Wiener
Wiener is a travel insurance for the HR market with online purchase and 24/7 assistance.
Direct payment
If the insured follows the insurer's instructions and contacts the assistance centre (APRIL INTERNATIONAL) before treatment, the insurer arranges direct payment to the medical facility. If the insured does not follow instructions, they must pay out of pocket and subsequently claim reimbursement with original invoices and medical documentation.
Geographic scope
HR
Worldwide excluding the insured's country of permanent residence or country where the insured holds public/primary healthcare rights; personal liability cover limited to Europe only
Starting from
€2
Unique selling points
- Starting from just 1.99 EUR per person, Wiener travel medical insurance is one of the most accessible options in the Croatian market with a 20% discount for online purchase.
- Children under 2 years of age are covered completely free of charge when travelling with an insured adult, requiring only registration at the time of contracting.
- Round-the-clock emergency assistance is provided by global partner APRIL INTERNATIONAL, reachable at any time from anywhere in the world for immediate coordination of treatment and repatriation.
- Annual policies offer worldwide coverage with an insured sum of 50,000 EUR per claim, significantly above the minimum required, covering unlimited trips of up to 30 days each throughout the year for a single premium.
- The policy can be contracted individually, as a family group (up to 5 persons including spouses, parents, children up to 25, and grandparents), or as a group of at least 6 persons, offering flexible coverage structures for any travel need.
Coverage limits
Medical expenses (travel health insurance)
Covered
Covers medically justified costs of treatment abroad, including inpatient treatment, clinical treatment, prescribed medications, diagnostics, and necessary surgeries. Minimum insured sum of 15,000 EUR for Europe and 30,000 EUR for Worldwide coverage on individual, family, and group policies; 50,000 EUR for annual policies.
Emergency medical treatment
Covered
Inpatient treatment (first medical aid to hospital), medically necessary operations including all related costs, clinical treatment using scientifically proven methods in the hospital at the insured's place of stay or the nearest suitable hospital. Insurer always guarantees assistance in any situation of immediate mortal danger.
Hospitalization extension (accommodation supplement)
Covered
If the insured must remain hospitalized abroad for more than 7 days beyond the planned trip end, the insurer covers hotel accommodation costs for an accompanying insured family member at up to 50 EUR per night for a maximum of 7 nights until repatriation. The core hospitalization treatment costs are covered within the overall medical expenses limit.
Outpatient treatment
Covered
Medical visit at the place where the insured falls ill, medical aids and walking aids necessary as part of treatment for broken extremities and injuries prescribed by a physician, prescribed medications, X-ray, CT and laboratory diagnostics — all covered within the overall insured sum per claim.
Emergency dental treatment
Covered
Dental services covered exclusively for the purpose of relieving acute toothache, up to 150 EUR (per package T&C WU 18.0311-17); the standalone travel health T&C (WU 18.0320-19) states up to 80 EUR. The IPID states up to 150 EUR. The higher limit of 150 EUR applies under the package conditions.
Medical transport (ambulance/taxi)
Covered
Costs of transport by officially approved emergency services to the nearest hospital or nearest available doctor, including exceptionally taxi transport, up to 1,500 EUR; also covers transfer to a specialist clinic if medically necessary and prescribed by a physician.
Medical evacuation / repatriation
Covered
Organisation and coverage of costs for transport of the insured from their place of stay to their home residence or to a hospital in the home country as chosen by the insurer's medical staff, up to 4,000 EUR. Only the insurer's doctors may decide on the advisability and mode of transport. Additional costs for an accompanying person are covered if deemed medically necessary.
Repatriation of remains
Covered
In the event of the insured's death, the insurer organises and covers costs of transport of the body from the place of death to the home of the deceased, or alternatively covers funeral costs at the place of death, up to 4,000 EUR including coffin costs (per package T&C WU 18.0311-17 and IPID). Note: the standalone T&C WU 18.0320-19 states 2,500 EUR for this limit.
Search and rescue
Excluded
Search and rescue is not explicitly covered. The policy explicitly excludes damages arising from participation in searches (as distinct from saving a life). Extreme mountaineering tours without a licensed guide and above 6,000 m, and expeditions are excluded.
COVID-19 treatment
Excluded
COVID-19 is not explicitly mentioned in the policy documents. However, the policy excludes all damages or costs caused by epidemics, pandemics, pollution or natural disasters that were known before departure. As COVID-19 would generally be considered a known pandemic, treatment costs would typically be excluded.
Pre-existing conditions (acute emergency exception)
Conditional
Chronic diseases, their consequences, and consequences of accidents that existed, were known, or should have been known at the time of concluding the insurance are excluded, even if untreated. Exception: acute symptoms of a previously known chronic disease — the cost of the intervention necessary to bring the insured out of life-threatening danger is covered up to a maximum of 250 EUR in total. Diseases treated in the last 6 months before the start of insurance are also excluded, except when medical assistance was provided to save the insured's life or relieve acute pain.
Winter / amateur sports cover (additional premium)
Optional
Accidents arising from amateur and professional sports participation (competitions and training) are excluded unless an additional premium has been paid. This includes winter sports. The insured must pay a supplementary premium to obtain coverage for sports activities.
Extreme / adventure sports cover
Excluded
Accidents arising from extreme sports, skydiving or similar, extreme mountaineering tours without a licensed guide or above 6,000 m altitude, expeditions, and sports activities in wild waters are explicitly excluded with no option to add cover via additional premium.
Pregnancy complications (emergency first intervention only)
Conditional
Consequences of pregnancy or complications in pregnancy are generally excluded, including intentional termination, childbirth, and spontaneous miscarriage. Exception: in case of acute complications during pregnancy, the insurer will reimburse the cost of the first medical intervention necessary to eliminate the danger to the life of the mother and/or child.
Personal liability insurance
Optional
Optional add-on covering civil non-contractual liability of the insured for damages due to death, bodily injury, or damage/destruction of property of third parties, caused in a private capacity. Also covers liability of the insured's minor children and family members. Deductible: 1,000 HRK per claim. Territorial limitation: Europe only, outside Croatia. Not available to non-Croatian nationals.
Legal assistance abroad
Excluded
Legal assistance as a standalone coverage is not offered in this travel medical product. Legal protection is available within the personal liability add-on cover (insurer defends unfounded claims) but only as part of the liability cover, not as a standalone legal assistance benefit.
24/7 emergency assistance
Covered
Round-the-clock emergency assistance provided by partner APRIL INTERNATIONAL and APRIL Croatia Assistance d.o.o., available worldwide at any time. After reporting an insured event, the on-call centre approves and provides further instructions for treatment and assistance services. Reachable at +385 (0) 72 00 00 06 or +385 (0) 1 36 39 009.
Key conditions
Assistance call deadline
The insured must contact the insurer (assistance centre) no later than 5 days after the insured event, except in unforeseen circumstances and force majeure cases. Claims for compensation must be submitted no later than one month after the end of treatment at the travel destination or transport to the place of residence.
Unauthorized treatment
If the insured did not follow the insurer's instructions, they must inform the insurer of the reasons. After establishing the insurer's obligation, the insurer will reimburse the costs from Article 5 / Article 15, including costs of home visits and medication procurement. However, the insurer's obligation may be reduced or suspended if repatriation was possible but refused by the insured.
Purchase while abroad
The insurance contract must be concluded exclusively before the start of the trip. It is not possible to take out the insurance after travel has commenced.
Chronic conditions
Chronic diseases, their consequences, and consequences of accidents that existed, were known, or should have been known at the time of concluding the insurance are excluded, even if untreated. Exception: acute manifestations of a previously known chronic disease are covered up to 250 EUR for interventions necessary to bring the insured out of life-threatening danger.
Pregnancy
Pregnancy consequences are generally excluded (intentional termination, childbirth, spontaneous miscarriage). Exception: acute complications during pregnancy — costs of the first medical intervention necessary to eliminate the danger to the life of the mother and/or child are covered within the policy.
pre_existing_conditions
Diseases treated in the last 6 months before the start of insurance are excluded, except when medical assistance was provided to save the insured's life or relieve acute pain. Pre-existing conditions (known or that should have been known) are excluded even if untreated, with a limited 250 EUR exception for acute life-threatening episodes of known chronic conditions.
coverage_duration_limit
Single trip maximum duration: up to 365 days for individual short-term policies; family and group policies up to 90 days. For annual policies, each individual trip must not exceed 30 days (per package T&C) or 60 days (per standalone T&C WU 18.0320-19 — conflict between sources). Persons over 80 years cannot take out world coverage or policies longer than 30 days and pay a 100% premium surcharge. Foreign nationals cannot take out policies longer than 120 days.
Where to buy
Policy specifics
Flight delay coverage
Coverage for flight delays exceeding 4 hours, only available with annual travel insurance policies
Baggage insurance
Coverage for loss, damage, or delay of baggage without proof of value requirement
Trip cancellation insurance
Reimbursement of 90% of travel costs in case of extraordinary circumstances requiring cancellation or interruption of planned trip
Traveler accidental injury insurance
Coverage for risk of death from traffic accident, bone fractures, and additional lump-sum benefit for immobilization needs
Personal liability coverage
Coverage for damages caused by insured, family members, or household pets to third parties; applies only to travel outside Croatia and within Europe
Free coverage for children under 2 years
Children under age 2 are covered at no additional cost when traveling with insured adult
24/7 emergency assistance
Round-the-clock emergency assistance services provided by partner assistance company APRIL INTERNATIONAL worldwide
Medical expenses coverage limit
Coverage for medical treatment costs during travel abroad; available with coverage limits of 15,000 EUR (Europe, individual/family/group) or 30,000 EUR (Worldwide, individual/family/group), up to 50,000 EUR for annual policies.
Maximum single trip duration
Single trip maximum duration varies by policy type: up to 365 days for individual short-term policies; up to 90 days for family and group short-term policies; up to 30 days per trip for annual policies (note: standalone T&C WU 18.0320-19 states up to 60 days per trip for annual policies — conflict between sources).
Annual vs single-trip policies
Insurance can be contracted as single-trip or annual policy; annual policies have automatic renewal unless explicitly cancelled
Geographic coverage scope
Medical coverage applies worldwide for time spent abroad; certain optional coverages (personal liability) limited to Europe only
Insurance contracting options
Can be contracted individually, as family group (up to 5 persons with at least one adult), or group basis
Pre-authorization for medical treatment
For medical services while traveling abroad, insured should contact assistance center to obtain approval guarantee for medical facility costs
Premium payment requirement
Insurance premium must be fully paid before start of travel, unless otherwise contractually agreed