Generali Travel insurance (Cestovni Pojisteni)
Underwritten by Generali Česká pojišťovna a.s. · Czech Republic
travel insurance from Generali for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2024-05-25Sources
Key facts
- Medical transport up to CZK 5,000,000 – CZK 100,000,000
Unique selling points
Online purchase unlocks an additional 20% discount on top of already reduced rates.
Base rates for selected European destinations have been cut by up to 43%.
Children under 6 travel insured free of charge, and minors up to 17 receive a 50% discount.
An optional add-on covers the excess you must pay on a rented vehicle or other rented item you damage accidentally abroad.
Coverage limits
Medical treatment expenses
CZK 5M – CZK 100M
The base limit for medical expenses is chosen in the policy at 5,000,000 / 25,000,000 / 100,000,000 CZK and is included in all packages (START, STANDARD, EXCLUSIVE); covers necessary treatment of an accident or sudden illness abroad.
Emergency medical treatment (hospital or outpatient)
CZK 5M – CZK 100M
Hospital or outpatient treatment following an accident or acute illness abroad is covered up to the base medical expenses limit chosen in the policy, included in all packages.
Hospitalization costs
CZK 5M – CZK 100M
Costs of hospitalization abroad (treatment, procedures and operations that cannot be postponed) are covered up to the base medical expenses limit, included in all packages. A separate optional daily cash benefit for hospital stays (pojištění pobytu v nemocnici) exists only in the EXCLUSIVE package, see product-specific constraints.
Outpatient treatment
CZK 5M – CZK 100M
Outpatient examination and treatment following an accident or acute illness is covered up to the base medical expenses limit, included in all packages.
Emergency dental treatment
CZK 20K
Sudden, unbearable toothache requiring urgent treatment during the trip is covered up to 20,000 CZK per insured person within the policy period, included in all packages.
Medical transport
CZK 5M – CZK 100M
Transport to the nearest medical facility, or transfer to another facility if the current one cannot provide the required care, is covered up to the base medical expenses limit, included in all packages.
Medical evacuation / repatriation
CZK 5M – CZK 100M
If the insured is unable to travel back to the Czech Republic using the originally planned transport for health reasons, repatriation is organized and paid for by the insurer up to the base medical expenses limit, included in all packages.
Repatriation of remains
CZK 5M – CZK 100M
In the event of the insured's death abroad, transport of the remains back to the Czech Republic, or costs of burial/cremation abroad and transport of the urn, are covered up to the base medical expenses limit, included in all packages.
Mountain rescue service intervention
CZK 5M – CZK 100M
Costs of a ground or air mountain rescue intervention (e.g. loss of orientation, inability to continue due to injury, avalanche, sudden weather change) are covered up to the base medical expenses limit, included in all packages.
COVID-19 related treatment
CZK 5M – CZK 100M
Hospital or outpatient treatment or repatriation related to COVID-19 is covered up to the base medical expenses limit, included in all packages; travel-advisory-related exclusions may still apply.
Pre-existing conditions
Excluded
Treatment of an illness or injury whose cause existed before the policy start, including treatment or surgery for chronic conditions, is excluded from cover.
Winter sports cover
Covered
Recreational skiing and snowboarding, cross-country skiing, skating, sledding etc. on marked, publicly accessible pistes/tracks are covered as standard without surcharge. Off-piste and extreme winter sports (e.g. ski touring, freeride, acrobatic skiing, skiing outside marked pistes) fall under 'riziková cesta' and require this optional add-on.
Adventure / risk sports cover
Optional
Risk and adventure sports and activities (e.g. canyoning, bungee jumping, high-altitude trekking above 3,500 m, extreme diving, motorsport) are only covered if the 'riziková cesta' (risk trip) add-on is purchased with the policy; it cannot be bought as a standalone product.
Pregnancy complications
Conditional
Complications of pregnancy are covered under medical expenses up to the 26th week of pregnancy; examinations to confirm pregnancy, interruption, complications after the 26th week, and childbirth are excluded.
Personal liability in everyday life
Conditional
Covers the insured's legal liability to compensate a third party for bodily injury or property damage caused in everyday life abroad (e.g. recreational sport, occasional use of non-motorized boats, pet ownership); included in the STANDARD and EXCLUSIVE packages only, not in START. The limit is set individually in the policy.
Enhanced assistance and legal services
Conditional
Covers legal assistance/costs after a road accident, consumer disputes with a local service provider, and claims for damages/personal injury, plus related interpreter/translator costs. Included as standard only in the EXCLUSIVE package; can be added as an optional supplement to other packages.
Key conditions
Assistance call deadline
In case of an accident, sudden illness, hospitalization or trip interruption occurring outside the Czech Republic, the assistance centre (or, for other claim types, the insurer) must be contacted without undue delay after becoming aware of the event.
Unauthorized treatment
Costs of advanced examinations (e.g. CT, ultrasound, endoscopy, non-acute surgery) recommended by a doctor but not pre-approved by the insurer or assistance centre are excluded, as are costs of repatriation organized by the insured or others without the assistance centre's prior approval.
Purchase while abroad
Insurance can also be concluded during an already-started trip, provided the policyholder did not know and could not have known that an insured event had already occurred or would occur. If the new policy does not immediately follow a previous Generali travel policy, a 3-day waiting period from the conclusion date applies, during which no claims are covered.
Chronic conditions
Treatment of chronic illnesses is excluded from cover.
Pregnancy
Pregnancy-related complications are covered under medical expenses up to the 26th week; pregnancy testing, interruption, complications after the 26th week, and childbirth are excluded. For trip cancellation/interruption, serious pregnancy complications up to the 26th week requiring hospitalization or bed rest are an insured event.
Pre-existing condition exclusions
Illnesses or injuries whose cause existed prior to the start of the insurance, including chronic conditions, are excluded from cover.
Coverage duration limit
A policy can be concluded for a maximum period of one year; an annual policy with repeated trips outside the Czech Republic is also available, with the maximum length of a single trip specified in the policy contract.
Direct payment
For hospital and outpatient treatment abroad, the insurer's foreign partner settles the costs directly on the insured's behalf via the assistance centre (Europ Assistance). If the insured is required to pay in cash, the insurer reimburses these costs only if the amount was pre-approved by the assistance centre; this pre-approval condition does not apply to total treatment costs up to 5,000 CZK, which are reimbursed directly.
Territorial scope
Three territorial scopes are available: Czech Republic; Europe (all European countries except the Czech Republic, plus Algeria, Armenia, Azerbaijan, Egypt, Georgia, Israel, Jordan, Lebanon, Libya, Morocco and Tunisia); or World (all countries except the Czech Republic). Medical expenses insurance is not offered under the Czech Republic territorial scope. Coverage does not apply in Belarus, the Donetsk, Kherson, Luhansk and Zaporizhzhia regions, the Russian Federation, Iran, North Korea, Crimea, Cuba and Venezuela (with a US nexus), and Syria, unless agreed otherwise in the policy.
Documents
Policy specifics
Trip cancellation insurance
Optional coverage for cancellation fees and prepaid trip costs in case of insured events
SourceSection: Co lze připojistit? > STORNO CESTY
Pojištění se sjednává pro případ vzniku finanční ztráty v důsledku zrušení cesty, ke kterému dojde v době trvání vašeho pojištění.
Trip interruption
Coverage for financial losses due to interruption of already-started trip
SourceSection: Co lze připojistit? > Storno cesty a přerušení nastoupené cesty
Přerušení nastoupené cesty : Vzniklá finanční ztráta v důsledku přerušení nastoupené cesty, ke kterému dojde v pojistné době. Finanční ztrátu představují náklady za nevyužité služby, které pojištěný uhradil.
Luggage and belongings insurance
Coverage for loss, theft or damage to personal luggage and belongings during travel
SourceSection: Co lze připojistit? > OSOBNÍ VĚCI A ZAVAZADLA
Slouží k ochraně věcí osobní potřeby, které si sebou berete na cestu nebo si je prokazatelně v průběhu cesty pořídíte. Vztahuje se na poškození nebo zničení věci přírodními katastrofami, vodou z vodovodního zařízení, krádež věci vloupáním, poškození, zničení, odcizení nebo ztrátu věci při dopravní nehodě.
Injury and accident insurance
Coverage for permanent injury consequences, death from accident, and daily compensation for specified injuries
SourceSection: Co lze připojistit? > ÚRAZOVÉ POJIŠTĚNÍ
Zahrnuje trvalé následky úrazu, smrt úrazem a denní odškodné za vyjmenované úrazy, pokud k úrazu došlo v době trvání vašeho pojištění.
Rented vehicle/item excess (optional add-on)
Coverage for reimbursement of damage caused unintentionally on borrowed vehicles during travel
SourceSection: Co lze připojistit? > SPOLUÚČAST NA VĚCI PŮJČENÉ
V případě neúmyslného poškození pojištěným hradíme spoluúčast z pojištění pronajaté věci.
24/7 assistance services
Round-the-clock professional assistance in Czech language for medical emergencies, repatriation, and mountain rescue
SourceNonstop asistenční služba v češtině
Hospital stay daily benefit
A separate lump-sum daily benefit (obnosové pojištění) for hospitalization abroad, paid as sum insured x number of hospitalization days, requiring hospitalization to last continuously more than 48 hours.
SourceGeographic coverage territory
Insurance available for three territorial scopes: Europe (excluding Czech Republic), World, or Czech Republic
SourcePackage tiers and variants
Travel insurance offered in three main package levels: EXCLUSIVE, STANDARD, and START; annual package CESTOVATEL also available
SourcePolicy commencement and coverage period
Insurance commences upon payment of full premium; coverage begins when crossing Czech border and ends upon return to Czech Republic; single trip max 90 days
SourceSection: Mohlo by vás zajímat...
Cestovní pojištění vždy vzniká až uhrazením plné výše předepsaného pojistného. Za uhrazení považujeme okamžik, kdy provedete platbu.
Children and youth discounts
Children under 6 years: free travel insurance; youth 6-17 years: 50% discount on travel insurance
SourceSection: Výhody našeho cestovka
Děti do 6 let mají cestovní pojištění zdarma, mladiství do 17 let pak cestovko se slevou 50 %.
Pregnancy coverage conditions
Medical expenses coverage extends to pregnancy complications up to week 26; high-risk pregnancies excluded from coverage
SourceSection: Mohlo by vás zajímat...
Ano, vztahuje, ovšem pozor na rozsah pojištění léčebných výloh, zde jste pojištěna do 26. týdne těhotenství. Ovšem je-li vaše těhotenství vedeno jako rizikové, pojištění se na vás nevztahuje.
Sports and activity coverage
Base package covers 77+ recreational sports without additional premium; organized sports and risk sports require separate add-on insurance
SourceSection: Proč cestovní pojištění od Generali České pojišťovny?
Kryjeme přes 77 sportů bez příplatku. Neomezujte se na dovolené a sportujte bez obav. Více než 77 sportů kryjeme už v základu, další si můžete připojistit.
Online purchase discount
Additional 20% discount when purchasing insurance online at generaliceska.cz
SourceSection: Proč cestovní pojištění od Generali České pojišťovny?
Pojistěte se snadno a rychle několika kliknutími, my vám za to dáme ještě on-line slevu 20 %.
Waiting period for policy renewal
3-day waiting period applies if new policy does not immediately follow previous travel insurance contract
SourceSection: Mohlo by vás zajímat...
Ovšem v případě, že nově sjednané pojištění bezprostředně časově nenavazuje na cestovní pojištění sjednané u naší pojišťovny, uplatníme čekací dobu 3 dny od data sjednání pojištění.
Sources
Generali Travel insurance