Wüstenrot Travel insurance (Procesty)
Underwritten by Wüstenrot pojišťovna a.s. · Czech Republic
travel insurance from Wüstenrot for the Czech Republic market, with online purchase and 24/7 assistance.
Verified Aug 30, 2026 · Terms dated 2014-06-01Sources
Key facts
- Personal liability up to CZK 2,000,000
Unique selling points
24/7 worldwide assistance line operated with Europ Assistance, staffed by specially trained personnel who communicate in Czech.
Medical expenses abroad, including repatriation, are covered up to as much as 5,000,000 CZK depending on the chosen package.
Three flexible package tiers (Cestovatel 1/2/3) let customers scale coverage from basic medical expenses up to full protection including liability, luggage and accident benefits.
An optional extension makes it possible to add cover for risky/adventure sports activities to the medical expenses and accident benefits.
Coverage limits
Medical expenses abroad (incl. repatriation)
CZK 3M – CZK 5M
Core benefit covering medical treatment abroad including repatriation; limit varies by package (3,000,000 CZK or 5,000,000 CZK) across the Cestovatel 1/2/3 and annual lump-sum tiers.
Emergency medical treatment
Covered
Emergency treatment abroad is covered as part of the overall medical expenses limit (3,000,000 / 5,000,000 CZK), with no separate sub-limit stated.
Hospitalization
No limit stated
Not separately specified in the reviewed sources beyond the overall medical expenses limit.
Outpatient treatment
No limit stated
Not separately specified in the reviewed sources beyond the overall medical expenses limit.
Emergency dental treatment
CZK 10K
Sub-limit of 10,000 CZK for dental treatment, drawn from the overall medical expenses limit.
Medical transport
Covered
Transport related to medical treatment is covered within the aggregate medical expenses/repatriation limit (3,000,000 / 5,000,000 CZK).
Medical evacuation
Covered
Medical evacuation/repatriation is included within the overall medical expenses limit (3,000,000 / 5,000,000 CZK); no separate sub-limit stated.
Repatriation of remains
Covered
Repatriation costs are covered under the same aggregate 'medical expenses including repatriation' limit; no distinct sub-limit for repatriation of remains is stated.
Mountain rescue service costs (Slovakia only)
CZK 100K
Covers costs of a mountain rescue service (horská služba) intervention up to 100,000 CZK, but limited to the territory of the Slovak Republic (SR); sold as an optional add-on, and included as standard in the annual lump-sum package.
COVID-19 treatment
No limit stated
Not addressed in the reviewed sources (2014-dated documents predate COVID-19).
Winter sports cover
No limit stated
Not separately specified; only a general 'risky sports' extension is mentioned without naming winter sports specifically.
Risky/adventure sports extension
Optional
Optional extension of the medical expenses/repatriation and permanent injury/death coverage to events connected with practicing risky sports; no separate limit is stated, it extends the existing limits.
Personal liability insurance
CZK 2M
Liability insurance limits: 2,000,000 CZK for bodily injury/death and 500,000 CZK for property damage; included only in the Cestovatel 2, Cestovatel 3 and annual lump-sum packages, not in Cestovatel 1.
Key conditions
Direct payment
Wüstenrot cestovní pojištění funguje na principu přímé úhrady (platební garance) - asistenční společnost zajistí platební záruky zahraničnímu poskytovateli zdravotních služeb nebo provede platbu přímo, jakmile je jí pojistná událost oznámena a finanční požadavek je oprávněný, takže klient obvykle nemusí hradit náklady v hotovosti a čekat na zpětné proplacení.
Territorial scope
The insurer's assistance service, provided in cooperation with Europ Assistance, operates with worldwide reach and is available 24 hours a day.
Documents
General Insurance Terms and Conditions for Travel Insurance VPP-CP/02 - Wüstenrot ProCesty (opens in a new tab)
Terms & conditions · PDF
Pre-contractual Information / Special Insurance Terms for Travel Insurance - Wüstenrot (opens in a new tab)
Other document · PDF
Wüstenrot Travel Insurance - official product page (opens in a new tab)
Other document · PDF
Policy specifics
Repatriation and evacuation
Coverage for medical evacuation and return transport to Czech Republic
SourceLuggage and baggage coverage
Coverage for loss, damage or theft of baggage and personal belongings
SourceLiability insurance
Not established from the insurer's documents
Coverage for civil liability for damages caused to third parties
SourceThird-party source, not the insurer's documentPermanent injury and death coverage
Not established from the insurer's documents
Coverage for permanent consequences of injuries and death resulting from accidents
SourceThird-party source, not the insurer's documentEmergency dental treatment
Not established from the insurer's documents
Coverage for emergency dental treatment abroad
SourceThird-party source, not the insurer's documentMaximum trip duration
Annual travel insurance covers trips up to 90 days each, with unlimited number of trips
SourceAnnual automatic renewal
Annual travel insurance automatically renews each year unless actively cancelled
Source