Pending review

Union pojišťovna Travel insurance (Individualni Cestovni Pojisteni Do Zahranici)

Underwritten by Union poisťovňa, a.s., pobočka pro Českou republiku · Czech Republic

travel insurance from Union pojišťovna for the Czech Republic market, with online purchase and 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2018-10Sources

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Key facts

Union pojišťovna

Unique selling points

Unlimited medical-expenses cover (up to the actual costs incurred) included in every package.

Winter sports on marked trails are covered in the basic package at no extra premium.

Nonstop 24/7 assistance service is a mandatory part of every package variant.

Customers can build their own custom (VLASTNÍ) coverage scope instead of choosing a pre-set package.

Flexible policy duration ranging from a single day up to a full year in one contract.

Coverage limits

Covered

Medical expenses

unlimited

Medical expenses incurred abroad are covered without a specific monetary limit, up to the actual costs incurred.

Section: S naším pojištěním získáte:

pojištění léčebných výloh v zahraničí až do výše skutečně vzniklých nákladů;

Covered

Emergency medical treatment

unlimited

Emergency medical treatment abroad is covered under the unlimited medical expenses benefit.

Section: Výhody cestovního pojištění

Neomezené krytí v pojištění léčebných výloh.

Covered

Hospitalization

unlimited

Hospitalization costs are covered as part of the unlimited medical expenses benefit; no separate cap is stated in reviewed sources.

Section: Výhody cestovního pojištění

Neomezené krytí v pojištění léčebných výloh.

Covered

Outpatient treatment

unlimited

Outpatient treatment abroad is covered as part of the unlimited medical expenses benefit.

Section: S naším pojištěním získáte:

pojištění léčebných výloh v zahraničí až do výše skutečně vzniklých nákladů;

Emergency dental treatment

Not established from the reviewed documents

No specific limit for emergency dental treatment was found in the reviewed sources for this product.

Covered

Medical transport

Covered

Medical transport is arranged through the insurer's nonstop assistance service; no separate monetary limit is stated in reviewed sources.

Covered

Medical evacuation

Covered

Medical evacuation is coordinated through the nonstop assistance service; no separate limit is stated in reviewed sources.

Covered

Repatriation of remains

Covered

Repatriation is included as part of the assistance services package; no separate monetary limit is stated in reviewed sources.

Search and rescue costs

Not established from the insurer's documents

Technical assistance/search-and-rescue costs are included only in the OPTIMUM package tier.

Third-party source, not the insurer's document

Section: Co nabízí Union pojišťovna

V rámci pojištění OPTIMUM je doplněno ještě pojištění zavazadel a pojištění nákladů na technickou pomoc při záchranné akci.

COVID-19 treatment

Not established from the reviewed documents

Union offers a separate 'Individuální cestovní pojištění – Pandemic' IPID product for pandemic-related risks; this is a distinct product and not part of the core travel medical coverage reviewed here.

Pre-existing conditions

Not established from the reviewed documents

No specific statement on pre-existing conditions coverage was found in the reviewed sources for this product.

Covered

Winter sports cover

Covered

Winter sports on marked trails are covered in the basic insurance at no additional premium.

Section: Výhody cestovního pojištění

Zimní sporty po vyznačených trasách pojištěné v základním pojištění.

Optional

Risky/adventure sports cover

Optional

Risky sports or manual work can be added as optional additional insurance for an extra premium.

Section: S naším pojištěním získáte:

možnost sjednat pojištení i pro jakoukoliv sportovní a pracovní činnost;

Pregnancy complications

Not established from the reviewed documents

No specific statement on pregnancy-related coverage was found in the reviewed sources for this product.

Personal liability

Not established from the insurer's documents

Liability insurance is not part of the BASIC package but is additionally included in the STANDARD and OPTIMUM package tiers; the exact limit amount was not found in reviewed sources.

Third-party source, not the insurer's document

Section: Co nabízí Union pojišťovna

STANDARD má navíc v sobě obsaženo pojištění odpovědnosti.

Legal assistance

Not established from the reviewed documents

No specific statement on legal assistance coverage was found in the reviewed sources for this product.

Covered

24/7 assistance

Covered

A nonstop assistance service is available around the clock during travel and is a mandatory part of all package variants.

Section: Výhody cestovního pojištění

Asistenční služba k dispozici 24 hodin denně 7 dnů v týdnu.

Key conditions

Assistance call deadline

Not explicitly stated in the reviewed sources; the assistance service should generally be contacted as soon as possible in the event of a claim.

Unauthorized treatment

Specific penalty terms for treatment arranged without contacting the assistance service are set out in the general terms and conditions (VPPCPCZ/1018); no percentage or amount was found in the reviewed marketing sources.

Purchase while abroad

Not explicitly addressed in the reviewed sources; travel insurance of this type is generally arranged before the start of the trip.

Chronic conditions

No specific statement on chronic disease coverage for this product was found in the reviewed sources.

Pregnancy

No specific statement on pregnancy-related conditions for this product was found in the reviewed sources.

Pre-existing condition exclusions

No specific statement on pre-existing condition exclusions for this product was found in the reviewed sources.

Coverage duration limit

The insurance is intended for private, business, or study trips abroad lasting from one day up to a full year.

Direct payment

Not explicitly detailed in the reviewed sources; treatment costs during a claim are typically coordinated and settled through the insurer's 24/7 assistance service.

Territorial scope

Insurance can be arranged for four territorial zones: Slovakia; Europe (plus listed non-European Mediterranean/Caucasus states); Outside Europe (all countries except USA, Canada, Australia, New Zealand, Japan, South Africa); or Worldwide (all countries except Czechia and the insured's country of permanent residence).