Travel insurance
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| Feature / category | Allianz May 13, 2026 Open details | ČPP May 13, 2026 Open details | CSOB Pojistovna May 13, 2026 Open details | Generali Česká pojišťovna May 13, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Allianz pojišťovna, a.s. | Česká podnikatelská pojišťovna, a.s., Vienna Insurance Group | ČSOB Pojišťovna, a. s., člen holdingu ČSOB | Generali Česká pojišťovna a.s. |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Starting price | — | CZK 14 | CZK 17 | — |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | Not available | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Medical transport | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
COVID-19 treatment | unlimited | CZK 200,000 – CZK 500,000 | COVID-19 treatment is covered as an acute illness under the medical expenses section. The insurer issued a public promise (veřejný příslib) mitigating the epidemic/pandemic exclusion, meaning COVID-19 treatment is covered subject to applicable conditions. Coverage applies within the standard medical expenses limit. | Treatment and repatriation related to COVID-19 is covered up to the basic medical expenses limit. However, coverage applies only in countries classified as dark red, red, orange, or green by the Czech Ministry of Foreign Affairs (MFA). Coverage is excluded where the Czech MFA has issued a travel ban (prohibition). A general exclusion applies if the insured remains more than 14 days in an area where the Czech MFA prohibits travel. |
Personal liability | CZK 20,000,000 | Optional | Optional | Optional |
Emergency dental | Covered | CZK 7,000 – CZK 30,000 | Covered | CZK 20,000 |
Search & rescue | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Legal assistance | Covered | Optional | Legal protection insurance is included as a component of liability coverage. Covers necessary costs of legal representation, court and administrative fees, costs of evidence gathering, and opposing party costs in disputes arising from travel (criminal/administrative proceedings for negligent offences, liability claims against the insured, disputes with travel agencies or carriers, flight delay compensation claims). | Optional |
Emergency medical treatment | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Hospitalization | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Outpatient treatment | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Medical evacuation | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Repatriation of remains | unlimited | CZK 2,500,000 – CZK 100,000,000 | CZK 100,000,000 | CZK 5,000,000 – CZK 100,000,000 |
Pre existing conditions | A pre-existing health condition (chronic illness) is covered only if it was stable for at least 4 months before the insurance effective date or before the purchase of the travel service (whichever is later), meaning no changes in treatment, no worsening, and no hospitalization during that period. Unstabilized chronic conditions are excluded except for first aid to stabilize a life-threatening situation. As of 2025, the stabilization period was reduced from 12 to 4 months. | Pre-existing conditions are excluded unless the chronic condition was in a stabilized state as medically confirmed before departure with no indication that a doctor visit would be needed during the trip. Stabilized chronic conditions are covered. Any condition whose cause was or must have been known to the insured before policy inception is excluded (except for stabilized chronic states). | Excluded | Excluded |
Winter sports cover | unlimited | Optional | Optional | Standard recreational skiing and snowboarding on marked and publicly open slopes, cross-country skiing, curling, ice hockey, figure skating, speed skating, ski bobs, sledging and bobsleigh on groomed and publicly accessible tracks, and skating are included under the basic tourist/work/sport trip type. Competitive/organized winter sports require the 'organized sport' trip type add-on. High-risk winter sports (acrobatic skiing, skeleton, ski mountaineering, ski cross, ski jumping, racing ski bobs, winter sports in snow parks including jumps, off-piste skiing on unmarked/closed runs) require the 'riziková cesta' (adventure travel) add-on. |
Adventure sports cover | Optional | Dangerous sports (aerial sports, motorsports, water motor sports, water skiing, recreational scuba diving to 40m, ice hockey, horse riding, high-altitude hiking up to 4000m, via ferrata up to grade B, parasailing, snowmobile, etc.) are covered if the trip is classified as a 'sports trip'. Extreme and adrenaline sports (as defined in VPPCP Art. 16.3 – including bungee jumping, rock climbing, canyoning, kayaking, freerunning, off-piste skiing, scuba diving below 40m, base jump, etc.) are excluded from all coverage. | Optional | Optional |
Pregnancy complications | Emergency medical expenses related to pregnancy complications are covered up to the end of the 36th week of pregnancy (i.e. unexpected delivery before the start of the 37th week). Complications arising from a normal pregnancy after the end of the 36th week, planned delivery, and ectopic pregnancy (exception) are treated per standard medical expenses coverage. High-risk pregnancy is excluded. Fertility treatment and planned termination of pregnancy are excluded. | Necessary treatment, care, or hospitalization directly related to pregnancy is covered, but only up to 24 weeks of pregnancy (i.e., before the end of the 24th week since the start of pregnancy). Childbirth, postnatal care, abortion, artificial insemination, infertility examinations, and pregnancy monitoring (laboratory, ultrasound) are excluded. | Medical treatment for unexpected acute complications during the first 26 weeks of pregnancy (excluding high-risk pregnancy) is covered within the standard medical expenses limit. Routine pregnancy care, voluntary termination, miscarriage, childbirth and complications thereof are excluded. Also covered for trip cancellation: hospitalization due to pregnancy complications during the first 26 weeks. | Medical expenses related to pregnancy complications are covered only up to the 26th week of pregnancy (inclusive). Examinations to confirm pregnancy, termination of pregnancy, any complications after the 26th week of pregnancy, fertility examinations and treatment, in vitro fertilisation, routine check-ups during pregnancy, and childbirth are all explicitly excluded. High-risk pregnancies are excluded. |
| Key conditions | ||||
Assistance call deadline | In life-threatening situations, call local emergency services first, then the assistance service immediately. For hospitalization abroad, the assistance service must be contacted without undue delay immediately upon hospital admission (if health condition permits). Before surgery, complex diagnostic procedures (MRI, CT), physiotherapy, planned transport to another facility, or repatriation, prior approval from the assistance service is required. Medical costs incurred without prior assistance service approval may not be reimbursed except when the insured demonstrably could not reach the assistance service due to exceptional circumstances. | The insured must contact the assistance service (Global Assistance, +420 1220 domestic / +420 266 799 788 international) immediately upon the occurrence of any event that could give rise to a claim, and must follow their instructions. Treatment obtained without prior contact with or approval from the assistance service may result in a reduced or denied claim. | The insured must contact the assistance service without undue delay upon occurrence of a loss event abroad and follow its instructions. If the insured does not contact the assistance service, the insurer is entitled to limit the benefit to the amount the assistance service would have arranged. For vehicle assistance, prior telephone contact before any service is required. | In the event of hospitalization, the insured must contact the assistance center immediately (directly or through an intermediary) as soon as their health condition permits. For repatriation or the need to call a guardian, prior notification and approval from the assistance center is mandatory. For complex examinations (CT, ultrasound, endoscopy, non-acute surgical procedures, non-standard blood tests) prescribed by a physician, prior approval from the assistance center is required before costs are incurred. Failure to contact the assistance center may result in reduction or refusal of the insurance benefit. |
Purchase while abroad | If the insurance is arranged while the insured is already abroad, a deferred effectiveness of 3 days applies — the insurance only covers events occurring from the 3rd day following the day of arrangement. This deferred effectiveness does not apply if the new policy immediately follows a previous travel insurance policy arranged with the same insurer, provided the premium was paid before the expiry of the previous policy. | If the insurance is concluded after the insured has already departed on the trip, a 3-calendar-day waiting period applies from the date of policy conclusion. This waiting period does not apply if the new policy directly continues a prior CPP travel insurance policy. | Insurance can be additionally arranged via the website or client centre even after departure abroad. In such cases the insurance is valid at the earliest one hour after conclusion of the policy contract, provided the premium is paid promptly. | Insurance can be arranged during an already commenced trip, provided that at the time of conclusion neither the policyholder nor the insured knew or could have known that an insured event had already occurred or would occur. If the newly concluded insurance does not immediately follow a travel insurance policy with the same insurer in terms of time, the insurer applies a waiting period of 3 days from the date of conclusion. No benefit is payable for any insured event occurring during the waiting period. |
Chronic conditions | Chronic diseases are covered only if the health condition was stable for at least 4 months before the insurance effective date or before the purchase of the travel service (whichever is later), meaning no changes in treatment, no worsening, and no hospitalization during that period. Only first aid to stabilize an immediately life-threatening chronic condition is covered if the stabilization criterion is not met. The stabilization period was reduced from 12 to 4 months effective 2025. | Chronic diseases in a stabilized state as medically confirmed before departure (with no indication that a doctor visit would be needed during the trip) are covered. Conditions in an unstabilized state or whose cause was known to the insured before policy inception are excluded. | Chronic disease is excluded from medical expenses coverage even if it developed from an acute illness. Exception: a stabilized chronic disease (i.e., one whose health status in the 12 months before departure did not indicate a need for medical assistance during travel) is covered. | Chronic diseases are explicitly excluded from medical expenses coverage. A chronic disease is defined as a condition existing on the policy start date for which the insured was treated, hospitalized, experienced a change in health condition, or a change in treatment in the 12 months prior to departure. Treatment and surgery of chronic diseases are not covered. |
Pregnancy | Coverage for pregnancy-related medical expenses is available until the end of the 36th week of pregnancy (i.e. unexpected delivery before the start of the 37th week is covered as an acute medical event). Complications of normal pregnancy and delivery after the 36th week are excluded. High-risk pregnancy complications are excluded throughout. Fertility treatment, planned termination of pregnancy, and routine pregnancy check-ups are excluded. Ectopic pregnancy is covered as an exception. | Pregnancy-related treatment, care, or hospitalization is covered only if it occurs before the end of the 24th week of pregnancy. Childbirth, postnatal care, abortion, artificial insemination, infertility investigations, and pregnancy monitoring (laboratory and ultrasound examinations) are explicitly excluded. | Pregnancy-related costs (routine care, voluntary termination, miscarriage, childbirth and complications) are excluded. Exception: medical treatment for unexpected acute complications during the first 26 weeks of pregnancy (excluding high-risk pregnancy) is covered within the medical expenses limit. | Medical expenses coverage applies to pregnancy complications only up to the 26th week of pregnancy (inclusive). Examinations to confirm pregnancy, termination of pregnancy, any complications after the 26th week, fertility examinations and treatment, in vitro fertilisation, routine check-ups during pregnancy, childbirth, and high-risk pregnancies are all explicitly excluded. Trip cancellation due to serious health complications of pregnancy up to the 26th week (unambiguous threat to the life of the mother or unborn child requiring hospitalization or bed rest) is a covered event under trip cancellation insurance. |
Unauthorized treatment | Medical costs incurred abroad without prior approval from the assistance service may be reduced or not reimbursed. The insurer reserves the right to reduce or deny indemnification if the insured does not follow the instructions of the assistance service, particularly for hospitalization, surgery, complex diagnostic examinations, physiotherapy, or medical transport. | If the insured seeks medical treatment without first contacting the assistance service (except in genuine emergencies), the insurer may reduce or deny the claim. Additionally, if the insured is under the influence of alcohol, narcotic or toxic substances, or medication at the time of the insured event, the insurer may reduce the benefit by up to 50%. | If the insured seeks medical treatment without contacting the assistance service (where contact was possible), the insurer may reduce the benefit to the amount that would have been arranged through the assistance service. Non-cooperation with the insurer's investigation of the loss event may also result in reduced or denied claims. | If the insured undergoes specialist examinations (e.g. CT scan, ultrasound, endoscopy, non-acute surgical procedures, non-standard blood laboratory tests) without prior approval from the assistance center, the costs will not be reimbursed. Additionally, if the insured refuses repatriation organized by the assistance center that the assistance center's physician deemed possible, subsequent treatment or repatriation costs will not be covered. Non-compliance with insurer/assistance center instructions can result in proportional reduction of benefits. |
Pre existing conditions | Pre-existing health conditions are defined as any injury, illness or health condition existing 4 months before the insurance effective date or before the purchase of the travel service (whichever is later), which: (a) resulted in the person seeking medical examination, care or treatment; (b) caused symptoms; or (c) required the person to take medication prescribed by a physician (unless the condition or symptoms are managed by a previously prescribed medication that has not been changed). A condition does not need to be formally diagnosed to be considered a pre-existing condition. | Pre-existing conditions are generally excluded. Exception: if a chronic disease was in a medically confirmed stabilized state before departure and there were no signs it would require medical attention during the trip, it is covered. Any disease or health condition whose cause was or should have been known to the insured before policy inception is excluded (except stabilized chronic states). | Medical expenses related to illnesses or injuries that occurred or whose symptoms manifested before departure are excluded, with the exception of stabilized chronic disease. The insured must truthfully answer all health-related questions at policy inception; failure to do so may affect the validity of claims. | Conditions that were treated, diagnosed, or under examination before the policy start date are excluded. This includes any injury or illness whose cause arose before the policy start date (general exclusion), as well as treatment of pre-existing injuries or diseases under the medical expenses section. There is no exception for acute flare-ups of pre-existing conditions. |
Coverage duration limit | Short-term policies: maximum trip duration 90 days. Annual policies: 365 days (366 in a leap year). Annual multi-trip (Multitrip): each individual trip abroad may last up to 60 days; after 60 consecutive days abroad, coverage ceases until a new departure from the Czech Republic. If return is delayed due to a covered event, the policy period is automatically extended until the earliest of: arrival at destination/home/country of residence, refusal of further travel, refusal of health repatriation after medical clearance, or arrival at a medical facility in the home country after repatriation. | Short-term (single-trip) policies: maximum 90 days per trip. Annual (multi-trip) policies: maximum 365 days total, with each individual trip limited to 90 days. If the insured cannot return due to a health condition at policy expiry, coverage continues until the insured can return to the Czech Republic, provided this is documented by a medical report. | Insurance covers events occurring abroad where continuous stay duration does not exceed 120 days. If the insured is involuntarily stranded abroad after the policy period expires (e.g., due to natural disaster, epidemic, strike, hospitalization), the policy is automatically extended by the minimum time necessary to ensure return to the Czech Republic, up to a maximum of 30 consecutive days. | Insurance can be arranged for a fixed term specified in the insurance contract, for a maximum of one year. Annual insurance with repeated trips abroad is also available, with each individual trip limited to a maximum duration specified in the insurance contract (typically up to 90 days per trip for annual policies). For single-trip policies the maximum duration is 365 days. |
| Proof and next steps | ||||
Direct payment policy | The assistance service arranges and guarantees payment of hospitalization and medical transport costs directly with healthcare facilities on behalf of the insured. For outpatient treatment, the insured may pay out-of-pocket and claim reimbursement. Costs incurred without prior approval of the assistance service may not be covered. | The insurer pays medical costs directly to providers when coordinated through the assistance service (Global Assistance). The insured must contact Global Assistance before obtaining treatment whenever possible. If treatment is obtained without prior authorization, reimbursement may be reduced or denied. | The insurer pays assistance costs directly to healthcare providers via guarantee of payment arranged by the assistance service. If the insured pays out of pocket without contacting the assistance service, the insurer is entitled to limit reimbursement to amounts the assistance service would have arranged. For small liability damages the insured may pay on site and claim reimbursement afterwards. | The assistance center (Europ Assistance s.r.o.) arranges direct payment guarantees to service providers or pays directly on behalf of the insured for hospital and outpatient treatment, provided the claim is properly reported and approved. In exceptional cases where the insured paid in cash, reimbursement is provided after prior approval by the assistance center (not applicable for treatment costs under CZK 5,000). |
Last verified | May 13, 2026 | May 13, 2026 | May 13, 2026 | May 13, 2026 |