Wiener osiguranje Travel insurance (Moj Osiguran Put)
Underwritten by Wiener osiguranje Vienna Insurance Group d.d. · Croatia
travel insurance from Wiener osiguranje for the Croatia market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2018-05-25Sources
Key facts
- Medical transport up to €1,500
- Starting price: €1.99per tripAs published by the insurer — it does not say who the price is for
Unique selling points
Travel insurance premiums start from as little as EUR 1.99 per person, among the most affordable on the Croatian market.
Children up to 2 years of age are insured free of charge when traveling with an insured adult.
Clients who opt for digital communication as their primary channel receive a 5% 'green' discount.
Luggage cover pays out for loss, destruction or delay without requiring the customer to prove the value of the items.
Optional trip cancellation cover reimburses 90% of the amount charged by the travel agency in case of a covered cancellation or interruption.
Coverage limits
Medical expenses abroad
€15K – €50K
Minimum sum insured of EUR 15,000 for Europe cover, EUR 30,000 for Worldwide cover (for trips outside Croatia and for foreign nationals in Croatia), rising to EUR 50,000 for the Annual travel insurance policy.
Emergency medical treatment
100% of insured sum
Covers first medical assistance, clinical treatment using scientifically proven methods, necessary medication and surgery, within the overall medical sum insured (no separate sub-limit).
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
kliničko liječenje uz korištenje znanstveno dokazanih metoda u bolnici u mjestu osiguranikovog boravka ili najbližoj prikladnoj bolnici;
Hospitalization
100% of insured sum
Inpatient/hospital treatment is covered within the overall medical sum insured. If hospitalization abroad continues more than 7 days after the planned end of the trip and an insured family member accompanies the patient, the insurer additionally pays up to EUR 50 per night for the companion's hotel room, for a maximum of 7 nights.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
Osiguratelj plaća maksimalno 50 EUR po noći do maksimalno 7 noći.
Outpatient treatment
100% of insured sum
Outpatient medical visits, diagnostics (X-ray, laboratory), walking aids and medical devices prescribed by a doctor are covered within the overall medical sum insured.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
medicinski posjet u mjestu gdje osiguranik oboli; ... dijagnoza rendgenom, skenerom i laboratorijska dijagnostika;
Emergency dental treatment
€150
Dental treatment solely to relieve acute toothache is covered up to EUR 150.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
stomatološku uslugu isključivo u svrhu oslobađanja akutne zubobolje do 150 EUR;
Local medical transport
€1.5K
Transport costs (including taxi) to the nearest hospital or doctor due to the insured's health condition are covered up to EUR 1,500.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
troškovi prijevoza od strane službeno odobrene hitne službe radi osiguranikovog prihvata u najbližu bolnicu ili kod najbližeg raspoloživog liječnika, iznimno i taxi prijevoz do limita od 1.500 EUR;
Medical evacuation / repatriation for treatment
€4K
If the insured's health condition requires necessary transport to the home country, the insurer organizes and covers this up to EUR 4,000; only the insurer's doctors may decide on the advisability and means of transport.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
organizira repatrijaciju osiguranika od mjesta boravka do prebivališta osiguranika ili do bolnice u domicilnoj zemlji ... do limita od 4.000 EUR.
Repatriation of mortal remains
€4K
In case of death, the insurer organizes and covers the cost of transporting the body to the deceased's home, or covers burial costs at the place of death, up to a limit of EUR 4,000 including coffin costs.
Section: II. Opseg osiguranja > Opseg osigurateljeve obveze > Članak 15.
osiguratelj organizira i preuzima troškove prijevoza tijela od mjesta gdje je nastupila smrt do kuće pokojnika ili preuzima troškove pogreba u mjestu smrti do limita od 4.000 EUR; ovaj iznos uključuje troškove kovčega;
Search and rescue
No limit stated
No dedicated search-and-rescue benefit is specified in the policy documents; participation in search operations for another person is treated as a risk exposure, not as a covered benefit.
COVID-19 treatment
No limit stated
The terms (dated 2018) contain no specific COVID-19 clause; a general exclusion applies to losses caused by epidemics or pandemics that were already known before departure.
Section: II. Opseg osiguranja > Isključenje osigurateljeve obveze > Članak 16.
sve štete ili troškove uzrokovane epidemijama, pamdemijama, zagađenjem ili prirodnim katastrofama koje su bile poznate prije polaska na put;
Pre-existing conditions
Excluded
Chronic illnesses and their consequences that existed, were known, or should have been known at the time the policy was concluded are excluded, even if untreated; illnesses treated within the 6 months before the policy start are also excluded, except for emergency life-saving treatment or acute pain relief.
Section: II. Opseg osiguranja > Isključenje osigurateljeve obveze > Članak 16.
zbog kroničnih bolesti, njihovih posljedica i posljedica nezgoda koje su postojale ili su bile poznate ili su morale biti poznate u vrijeme zaključivanja osiguranja, čak i ako nisu bile liječene; bolesti koje su liječene u posljednjih šest mjeseci prije početka osiguranja, osim u slučaju kada je liječnička pomoć pružena radi spašavanja osiguranikova života ili oslobađanja akutne boli;
Winter sports cover
Conditional
Recreational skiing selected under the 'rest/recreation' trip purpose is covered under the base policy; accidents arising from amateur or professional skiing competitions or organized training require payment of an additional premium, without which such accidents are excluded.
Adventure/extreme sports cover
Excluded
Accidents arising from extreme sports, parachute jumps, extreme mountain expeditions without a licensed guide or above 6,000 m altitude, expeditions, and white-water sports activities are excluded, with no option to buy back this cover.
Section: II. Opseg osiguranja > Isključenje osigurateljeve obveze > Članak 16.
nezgode koje proizlaze iz bavljenja ekstremnim sportovima, skokova padobranom ili slično, ekstremnih planinarskih tura bez ovlaštenog planinarskog vodiča i onih iznad 6.000 m nadmorske visine, ekspedicija i sportskih aktivnosti u divljim vodama;
Pregnancy complications
Conditional
Consequences of pregnancy or complications (deliberate termination, delivery, miscarriage) are excluded; however, in case of acute complications during pregnancy, the insurer covers the cost of the first medical intervention necessary to remove danger to the life of the mother and/or child.
Section: II. Opseg osiguranja > Isključenje osigurateljeve obveze > Članak 16.
posljedice trudnoće ili komplikacija u trudnoći, osobito: namjerni prekid trudnoće, porod i spontani pobačaj. Ipak, u slučaju akutnih komplikacija tijekom trudnoće osiguratelj će u okviru police naknaditi trošak prve medicinske intervencije koja je potrebna da bi se otklonila opasnost po život majke i/ili djeteta;
Personal liability
Optional
Covers the insured's civil non-contractual liability for death, bodily injury, or damage/destruction of a third party's property, limited to Europe outside Croatia; the insured bears a deductible of HRK 1,000 per claim, deducted from the sum insured stated on the policy.
Section: DODATNA POKRIĆA > Osiguranje od privatne odgovornosti
Osiguranje od privatne odgovornosti Uključuje štetu koju ste Vi ili član Vaše obitelji te Vaš kućni ljubimac učinili trećim osobama, a odnosi se samo na putovanja izvan RH i samo za područje Europe.
Legal assistance
Covered
Legal assistance is provided only as part of the personal liability cover: the insurer investigates the insured's liability, defends against unfounded or excessive claims, and conducts litigation on the insured's behalf; it is not a standalone travel legal-assistance benefit.
Section: Osiguranje privatne odgovornosti > Pravna zaštita > Članak 32.
Osigurateljeva obveza u pružanju pravne zaštite obuhvaća: a) ispitivanje osiguranikove odgovornosti za nastalu štetu; b) vođenje spora ako oštećeni ostvaruje pravo na naknadu štete u parničnom postupku protiv osiguratelja neposredno;
24/7 assistance
Covered
A round-the-clock assistance centre (APRIL INTERNATIONAL / APRIL Croatia Assistance) authorizes treatment and provides further instructions after a claim is reported.
Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja
Nakon prijave osiguranog slučaja dežurni centar odobrava i daje daljnje upute radi obavljanja postupka liječenja i pružanja usluge asistencije.
Baggage loss, theft or damage
Optional
No limit stated
Optional cover for loss, destruction or delay of baggage carried during the trip, without requiring proof of the value of the items; paid up to the sum insured stated on the policy.
Section: DODATNA POKRIĆA > Osiguranje prtljage
Uključuje pokriće za gubitak, uništenje ili kašnjenje prtljage bez dokazivanja njene vrijednosti.
Key conditions
Assistance call deadline
The insured must contact the insurer (assistance centre) no later than 5 days after the insured event occurs, except in unforeseen circumstances or force majeure.
Unauthorized treatment
There is no fixed percentage penalty; if the insured did not follow the insurer's instructions, they must explain the reasons, and after the insurer establishes its liability it will reimburse the eligible medical costs, including home-visit and medicine costs.
Purchase while abroad
The insurance contract must be concluded exclusively before the trip begins; it cannot be purchased once travel has already started or while abroad.
Chronic conditions
Chronic illnesses and their consequences that existed or were (or should have been) known when the policy was concluded are excluded, even if untreated; illnesses treated in the 6 months before the policy start are excluded except for emergency life-saving care or relief of acute pain.
Pregnancy
Pregnancy-related events (deliberate termination, delivery, miscarriage) are excluded, except that the first medical intervention needed to remove danger to the life of the mother and/or child during acute pregnancy complications is covered.
Pre-existing condition exclusions
Pre-existing and previously known conditions are excluded from cover, including their consequences, whether or not they were previously treated.
Coverage duration limit
Cover may last from a minimum of 1 up to 365 days for short-term individual policies; family and group policies can be contracted for 1 up to 90 days; the Annual travel policy runs for exactly one year, provided no single trip exceeds 30 days.
Direct payment
If the insured follows the insurer's instructions and contacts the 24/7 assistance centre (APRIL INTERNATIONAL / APRIL Croatia Assistance) before treatment, the insurer pays the medical facility directly; otherwise the insured must pay out of pocket and later claim reimbursement with original invoices and medical documentation.
Territorial scope
Personal liability cover applies only to Europe, outside Croatia
Documents
Policy specifics
Luggage insurance
Covers loss, damage or delay of luggage without requiring proof of value
SourcePage 2Section: DODATNA POKRIĆA > Osiguranje prtljage
Uključuje pokriće za gubitak, uništenje ili kašnjenje prtljage bez dokazivanja njene vrijednosti.
Trip cancellation reimbursement
Reimburses 90% of travel costs in case of unforeseen circumstances requiring trip cancellation or interruption
SourcePage 2Section: DODATNA POKRIĆA > Osiguranje od otkaza putovanja
isplaćujemo 90% iznosa kojeg vam je naplatila putnička agencija.
Accidental death in traffic accident
Coverage for death as a result of traffic accident during travel
SourcePage 2Section: DODATNA POKRIĆA > Osiguranje putnika od posljedica nesretnog slučaja
Uključuje pokriće za rizik smrti uslijed prometne nezgode, pokriće za slučaj loma kosti, uz jednokratnu dodatnu naknadu ukoliko lom zahtijeva imobilizaciju gipsom 14 i više dana.
Bone fracture coverage
Coverage for bone fractures with additional one-time benefit if immobilization with cast for 14+ days is required
SourcePage 2Section: DODATNA POKRIĆA > Osiguranje putnika od posljedica nesretnog slučaja
pokriće za slučaj loma kosti, uz jednokratnu dodatnu naknadu ukoliko lom zahtijeva imobilizaciju gipsom 14 i više dana.
Direct payment to medical facilities
Insurance pays medical facility directly when policyholder follows insurer instructions and contacts assistance center (APRIL INTERNATIONAL) before treatment
SourceClause Članak 17.Page 4Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja
U slučaju nastupa osiguranog slučaja osiguranik je dužan pridržavati se uputa osiguratelja, koje su sastavni dio police osiguranja. […] Ako se osiguranik pridržavao uputa iz stavka (1) ovog članka, tada ne mora u inozemstvu podmiriti troškove iz članka 15. ovih Uvjeta.
Territorial coverage exclusion
Coverage excludes insured person's country of permanent residence and countries where insured holds public/primary healthcare rights
SourceClause Članak 14.Page 2Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Područje na kojem vrijedi osiguranje
Osigurateljno pokriće, temeljem ovih Uvjeta, vrijedi za sve zemlje navedene na polici osiguranja, izuzev država u kojima osiguranik ima stalno prebivalište ili pravo na javnu zdravstvenu zaštitu.
Pre-approval requirement with assistance network
Insureds must contact assistance center (APRIL INTERNATIONAL/APRIL Croatia Assistance) and obtain written authorization before seeking treatment to qualify for direct payment
SourceClause Članak 17.Page 4Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja
U slučaju nastupa osiguranog slučaja osiguranik je dužan pridržavati se uputa osiguratelja, koje su sastavni dio police osiguranja. […] Ako se osiguranik pridržavao uputa iz stavka (1) ovog članka, tada ne mora u inozemstvu podmiriti troškove iz članka 15. ovih Uvjeta.
Claim notification deadline
Insured must notify insurer (assistance center) no later than 5 days after insured event, except in unforeseen circumstances or force majeure
SourceClause Članak 17.Page 4Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Ostvarivanje prava iz osiguranja
Osiguranik je dužan kontaktirati osiguratelja najkasnije 5 dana nakon osiguranog slučaja, osim u nepredviđenim slučajevima i slučajevima više sile.
Dental treatment limit
Dental services are covered only to relieve acute toothache, up to 150 EUR.
SourceClause Članak 15.Page 3Section: II. Opseg osiguranja > Putno zdravstveno osiguranje > Opseg osigurateljeve obveze
stomatološku uslugu isključivo u svrhu oslobađanja akutne zubobolje do 150 EUR;
Increased risk for older insured persons
Persons over 80 years of age are classified as higher risk for travel health insurance
SourcePage 2Section: Povećani rizici za putno zdravstveno osiguranje
osobe starije od 80 godina
Sources
- wiener.hrhttps://www.wiener.hr/EasyEdit/UserFiles/letci/2024-01/wiener/le-113-24-01putnowiener.pdf#page=2(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/easyedit/UserFiles/PDF/PO/WU%2018.0312-18%20Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=2(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/easyedit/UserFiles/PDF/PO/WU%2018.0312-18%20Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=3(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/easyedit/UserFiles/PDF/PO/WU%2018.0312-18%20Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=4(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/easyedit/UserFiles/PDF/PO/WU%2018.0312-18%20Uvjeti%20paketa%20putnog%20osiguranja.pdf#page=7(opens in a new tab)
- wiener.hrhttps://www.wiener.hr/online-prodaja-po.aspx(opens in a new tab)
Wiener osiguranje Travel insurance