HVP Travel insurance (Travel Abroad)

Customers choose between three selectable tiers (MINI, OPTIMAL, ELITE), letting them scale coverage from basic medical/liability protection up to a full package with accident, belongings and hospitalization cover.

Coverage explicitly extends to work-related trips such as au-pair placements and internships, not just leisure travel.

The top ELITE tier adds a hospitalization benefit that is not available in the lower MINI or OPTIMAL tiers.

Policies can be arranged fully online through HVP's own travel insurance calculator, with the selected date starting the insurance period immediately.

Direct payment

For travel medical insurance provided by PVZP (the underwriting partner for HVP's travel insurance product), the insurer's assistance service settles the cost of covered medical treatment directly with the hospital or healthcare provider. PVZP's assistance service can issue a payment guarantee ("předgarance") to the medical facility for a defined amount of care, and invoices are sent by the provider straight to PVZP for settlement rather than being paid upfront by the client. Minor costs such as prescription medication may need to be paid by the client first and then reimbursed by the insurer on request.

Territorial scope

Zone E covers all European states, the European part of Russia (east to the 60° E meridian), Morocco, Algeria, Tunisia, Libya, Egypt, Turkey, Israel and Cyprus.