ERGO Cestovní Pojišťovna, a. s. (formerly ERV Evropská pojišťovna, a. s.)
ERGO Cestovní Pojišťovna
ERGO Cestovní Pojišťovna is a travel insurance for the Czech Republic market with online purchase and 24/7 assistance.
Direct payment
Within ERGO's network of partner clinics, the insured generally pays nothing directly as the insurer settles bills with providers via a payment guarantee; at other facilities the insured usually pays and is reimbursed afterwards.
Geographic scope
Europe or Worldwide (selected at policy inception)
Europe means all European countries, Mediterranean coastal states (Egypt, Morocco, Tunisia, Turkey, etc.), Azores, Canary Islands and Madeira; a separate, narrower definition of Europe applies for the Car Travel section.
Unique selling points
- Dedicated 24/7 Czech-speaking assistance line (Euro-Center) with a Czech doctor available on the phone for consultations and e-prescriptions in many countries.
- Claims are typically settled within 7 business days when reported online with complete documentation.
- Personally vetted worldwide network of partner clinics/hospitals with cashless, direct billing so the insured usually pays nothing upfront.
- Repeatedly awarded 'Insurance Company of the Year' and 'Best Travel Insurance' by industry bodies over multiple consecutive years.
- Digital insurance card with a dedicated ERGO travel & care mobile app providing destination safety/health alerts and vetted local hospital/pharmacy contacts.
Coverage limits
Medical expenses
CZK 5,000,000 – CZK 100,000,000
Covers medical examination, treatment, surgery, hospital stay and pregnancy/childbirth-related treatment. Limits by tier: Economy 5,000,000 CZK, Standard 10,000,000 CZK, Comfort 25,000,000 CZK, Premium 100,000,000 CZK.
Emergency medical treatment
CZK 5,000,000 – CZK 100,000,000
Emergency treatment for sudden acute illness or injury abroad is covered within the overall medical expenses limit (same tiered limits as medical expenses).
Hospitalization
CZK 5,000,000 – CZK 100,000,000
Hospital/clinic stay including multi-bed room accommodation is covered within the overall medical expenses limit. A separate cash benefit for hospital stay (A4) of 2,000 CZK/day applies only to Comfort (up to 20,000 CZK) and Premium (up to 30,000 CZK).
Outpatient treatment
CZK 5,000,000 – CZK 100,000,000
Outpatient treatment (not requiring hospital admission) is covered within the overall medical expenses limit.
Emergency dental treatment
CZK 25,000 – CZK 60,000
Covers outpatient dental treatment for immediate pain relief. Limits: Economy/Standard 25,000 CZK, Comfort 40,000 CZK, Premium 60,000 CZK.
Medical transport
CZK 5,000,000 – CZK 100,000,000
Ambulance transport to the nearest suitable treatment facility, and transfer between facilities, is covered up to the medical expenses limit (combined with total medical expense costs, cannot exceed that limit).
Medical evacuation / repatriation
CZK 5,000,000 – CZK 100,000,000
Repatriation back to the Czech Republic after treatment, or transport allowing continuation of the trip, is covered up to the (shared) medical expenses limit.
Repatriation of remains
CZK 5,000,000 – CZK 100,000,000
Transport of remains back to the Czech Republic in case of death abroad is covered up to the shared medical expenses limit. Additionally, funeral/cremation costs abroad (B4) of 150,000 CZK apply to Standard, Comfort and Premium (not Economy).
Search and rescue costs
30% of insured sum
Rescue intervention by mountain rescue or lifeguards in an emergency is covered. Costs to avert an imminent insured event are covered up to 1,000 CZK; costs to save life or health are covered up to 30% of the medical transport/repatriation limit. Extraordinary search operations in remote/extreme locations are excluded.
COVID-19 related emergency situations (quarantine logistics)
CZK 15,000
An optional 'Nouzové situace' rider covers replacement accommodation (up to 15,000 CZK) and replacement return travel (up to 15,000 CZK) if the insured is placed in unavoidable quarantine due to COVID-19; a 20% deductible applies. Actual medical treatment of COVID-19 as an acute illness would fall under the general medical expenses cover; general pandemic/epidemic disruption is excluded under general exclusions.
Pre-existing / chronic conditions treatment
Excluded
Treatment or surgery for an illness or injury that existed before departure, or for a chronic disease, is excluded from medical expenses cover, along with continued treatment of an existing condition.
Winter sports rider
Optional
Only in Standard, Comfort, Premium
Optional rider extends cover to winter sports on marked trails/areas up to 3,500 m. Includes damage to winter equipment (10,000 CZK), rental of replacement equipment (25% of personal effects limit), extended stay due to avalanche (2,000 CZK/day up to 10,000 CZK) and unused winter holiday compensation (2,000 CZK/day up to 10,000 CZK). Cannot be added to the Economy tier.
Risky/adventure sports rider
CZK 30,000
Only in Standard, Comfort, Premium
Optional rider extends cover to a defined list of riskier sports (e.g. bungee jumping, canyoning, paragliding, scuba diving up to 40 m, via ferrata) up to 5,000 m altitude, and automatically includes recreational winter sports. Damage to sports equipment covered up to 30,000 CZK. Cannot be added to the Economy tier.
Pregnancy complications
CZK 5,000,000 – CZK 100,000,000
Treatment or surgery relating to pregnancy and childbirth, including premature birth and care of the newborn, is covered up to the medical expenses limit, but only up to 2 months before the expected due date and only if the pregnancy is not classed as high-risk.
Personal liability
CZK 1,000,000 – CZK 18,000,000
Covers damage to health caused to third parties. Limits by tier: Economy 1,000,000 CZK, Standard 3,000,000 CZK, Comfort 6,000,000 CZK, Premium 18,000,000 CZK. A separate property-damage sub-limit also applies (Economy 500,000 / Standard 1,500,000 / Comfort 3,000,000 / Premium 9,000,000 CZK).
Legal representation (liability claims)
CZK 200,000 – CZK 400,000
Only in Comfort, Premium
Pre-approved legal representation costs in negotiating compensation for damage the insured caused to a third party are covered, but only in the Comfort (200,000 CZK) and Premium (400,000 CZK) tiers; not available in Economy or Standard.
24/7 assistance service
unlimited
Active assistance (advice, coordination of care, payment guarantees, monitoring by a Czech assistance doctor, 24/7 Czech doctor phone consultations) is provided without a monetary limit ('neomezeně') via the Euro-Center assistance service, available in Czech 24 hours a day, 365 days a year.
Key conditions
Assistance call deadline
The insured must contact the Euro-Center assistance service before any event requiring emergency medical help, hospitalization, medical transport, or when incurring liability for damage; failing prior approval, the insurer may reduce or refuse the claim payout. No fixed hour deadline is stated, but contact must be immediate ('neprodleně').
Unauthorized treatment
If the insured pays a hospital bill directly without the assistance service's consent, or fails to forward bills sent to their address, the insurer may refuse or reduce the claim payment.
Purchase while abroad
The policy can only be arranged before the start of the trip it covers; it cannot be purchased once the trip (or a stay abroad) has already begun.
Chronic conditions
Persons with a chronic illness can still be insured, provided their health condition has been stable for 6 months before departure with no change in medication or treatment regimen; however, treatment of the chronic condition itself remains excluded from medical expenses cover.
Pregnancy
Pregnancy-related treatment, including premature birth and newborn care, is covered up to 2 months before the expected due date, provided the pregnancy is not classified as high-risk.
Pre-existing condition exclusions
Treatment or surgery for an illness or injury that existed, or was already being investigated/treated, before the trip's departure is excluded, as is continued treatment of an existing condition.
Coverage duration limit
SingleTrip covers a single trip lasting up to a maximum of 360 days; for long-term stays over 90 days, a temporary return to the Czech Republic does not end the policy if the insured resumes the planned foreign stay.
Policy specifics
Medical expenses and hospitalization
Coverage of medical treatment costs including hospital care, surgical procedures, and dental treatment with variant-specific limits (Standard: 10M CZK, Comfort: 25M CZK, Premium: 100M CZK)
SourceTrip cancellation insurance (optional addon)
Optional add-on coverage available in two variants (Storno and Storno Plus) to reimburse trip service costs if cancellation occurs; can be added to SingleTrip at reduced rates (3% or 5% of trip cost vs. standard 4% or 7%)
SourceLiability for damages caused to third parties
Coverage for damages to third-party health or property caused by insured person, with limits varying by tier (Standard: 3M CZK, Comfort: 6M CZK, Premium: 18M CZK); includes legal representation
SourceTheft or damage to personal belongings
Coverage for loss or theft of personal belongings and equipment with limits per tier (Standard: 20k CZK, Comfort: 60k CZK, Premium: 100k CZK)
SourceAccident insurance (permanent disability and death)
Coverage for accidental injury resulting in permanent disability or death; limits tier-dependent (Premium variant: up to 1.2M CZK for both permanent disability and death)
SourceCaregiver expenses
Coverage for costs of a caregiver if insured requires assistance during medical treatment abroad
SourceGeographic coverage territories
Coverage available for two geographic areas: Europe or World; insured must select at policy inception
SourcePremium payment requirement before departure
Insurance policy becomes effective only after premium payment is made; payment must occur before trip commencement
Source24/7 Czech-language assistance service
All-day, all-night assistance service available in Czech language via phone, email, and chat; includes on-demand medical consultation with Czech physician
SourceCoverage for chronic disease conditions
Persons with chronic disease can obtain coverage if health condition has been stable for 6 months prior to departure and no medication/treatment changes have occurred
SourceClaim settlement timeline
Claims are typically processed and settled within 7 business days if all required documentation is complete; longer processing possible during peak summer period (July-October)
SourceDirect billing with partner hospitals (no advance payment required)
ERGO Cestovní maintains network of partner hospitals and medical facilities worldwide; insured typically does not pay directly at partner facilities; insurer settles bills directly with providers
Source