AIG (Travel Guard) Travel insurance (Travel Guard)

Combined limit for acute medical, surgical and hospital treatment abroad, plus related costs (body/ashes repatriation, extra accommodation and return travel). Bronze: 1,500,000 CZK; Silver: 5,000,000 CZK; Gold: 15,000,000 CZK. No deductible applies to this section.

Acute medical, surgical or hospital treatment following an accident or illness during the trip is covered under the same combined 'medical and other expenses' limit as medical_expenses (Bronze 1,500,000 / Silver 5,000,000 / Gold 15,000,000 CZK); it is not an additional, separate sum.

In-patient/hospital treatment costs abroad are paid within the same combined Section C limit as medical_expenses (Bronze 1,500,000 / Silver 5,000,000 / Gold 15,000,000 CZK). A separate Gold-only daily hospital cash benefit also exists (see product_specific_constraints).

Outpatient medical treatment abroad is reimbursed within the same combined Section C limit as medical_expenses. The insured typically pays upfront and claims reimbursement from AIG after returning to the Czech Republic.

Sub-limit within Section C for acute dental treatment provided solely for immediate pain relief. Bronze: 5,000 CZK; Silver: 10,000 CZK; Gold: 20,000 CZK.

Extra travel and accommodation costs for a medically necessary early return to the Czech Republic, or for an accompanying person, are covered under the same combined Section C limit as medical_expenses, subject to prior Travel Guard approval. It is a shared limit, not an additional sum.

Travel Guard organizes and, where medically necessary and pre-approved, funds evacuation/repatriation within the same combined Section C limit as medical_expenses; it is not a separate additive sum.

Costs of transporting the body or ashes back to the Czech Republic, or of burial/cremation abroad, are covered up to 150,000 CZK, the same fixed sub-limit for all three tiers.

Statutory 'zachraňovací náklady' (rescue/salvage costs) are reimbursed above the policy limit, generally up to 2% of the relevant limit or sub-limit per claim, capped at 10,000 CZK. For rescue costs incurred to save human life or health, up to 30% of the relevant limit or sub-limit is paid instead. This is not a dedicated mountain/search-and-rescue benefit but a general statutory add-on.

Not stated in the policy terms.

The definition of 'Illness' excludes any illness that is a result of, or connected with, a condition apparent before the trip began, or for which medical advice/treatment was recommended, sought, or should have been sought before departure. General exclusion 1(a) further excludes claims relating to a health condition known to the insured or another person before the insurance was taken out.

Ordinary downhill skiing and snowboarding are on the automatically-covered higher-risk activity list for all tiers at no extra cost. However, 'risk sports' such as off-piste skiing/snowboarding, heliskiing, monoskiing, skiing on artificial slopes etc. (Sections K–N) are excluded from Bronze entirely; for Silver/Gold single-trip policies they require explicit agreement and an additional premium (for trips up to 90 days), while annual Silver/Gold policies automatically cover these risk sports for trips up to 17 days. Risk-sports cover is excluded for anyone who has reached age 69 at the start of the trip.

Common sports (golf, cycling, diving to 20m, trekking to 3000m without climbing gear, water skiing, hot-air ballooning, etc.) are automatically covered on all tiers. Higher-risk 'risk sports' (e.g. bungee jumping, paragliding, parachuting, kitesurfing, canyoning-adjacent activities, high-altitude trekking, ice hockey) are unavailable on Bronze, and on Silver/Gold single-trip policies require explicit agreement plus an additional premium; annual Silver/Gold policies auto-cover them for trips up to 17 days. Canyoning, mountaineering and potholing (and related equipment) remain excluded under all tiers.

General exclusion 1(f) excludes any claim relating to pregnancy or childbirth where, at the start of or during the trip, the pregnancy had lasted more than 26 weeks. Cancellation cover under Section A likewise excludes pregnancy/childbirth where the pregnancy had reached at least 26 weeks (22 weeks for a known multiple pregnancy) at the start of the trip, unless the pregnancy was confirmed after the ticket/booking or policy effective date and cancellation is medically necessary.

Covers legal liability for accidental bodily injury to third parties, damage to property not owned/held by the insured, and damage to temporary accommodation, incurred during the trip. Bronze: 1,000,000 CZK; Silver: 5,000,000 CZK; Gold: 10,000,000 CZK. Does not cover liability for use of motor vehicles (separate MTPL required).

Covers legal representation costs for pursuing a claim for damages following death, illness or injury during the trip, up to 60,000 CZK in total for all insured persons. Available only on the Gold tier; not covered on Bronze or Silver.