AWP P&C S.A. Branch in Poland (Allianz Travel)
Allianz
Allianz is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Allianz organises and pays for medical services directly to the medical facility. If the facility requires it, Allianz may provide a payment guarantee or advance payment up to the insured sum. If direct organisation is impossible for reasons beyond Allianz's control, documented costs incurred by the insured are reimbursed.
Geographic scope
Poland and abroad (Zones A, B, C, P)
Zone A: Europe and non-European Mediterranean countries plus Georgia; Zone B: World excluding USA and Canada; Zone C: Entire world; Zone P: Poland and border strip up to 30 km from Polish border
Unique selling points
- Medical expenses insured sum up to PLN 5,000,000 in the Max package – one of the highest limits in the Polish travel insurance market, covering even the USA and Canada.
- Medical transport and evacuation covered without any monetary limit in all four packages – Allianz bears the full cost of transport regardless of distance or complexity.
- Chronic disease exacerbations (zaostrzenie objawów choroby przewlekłej) are covered as standard within all packages – travellers with chronic conditions are protected without requiring a separate add-on.
- Assistance services provided without monetary limits in all packages, with a 24/7 Polish-language helpline (+48 224 224 224) rated 4.9/5 in Allianz's Voice of Customer programme (April 2026 data).
- Instant online purchase available via Allianz's online calculator (allianz.pl) with immediate policy issuance – no agent visit required, policy delivered by email.
Coverage limits
Medical expenses (foreign travel)
Covered
Covers organisation and costs of medical services in case of sudden illness or accident abroad, including prescribed medicines, dressings, orthopaedic devices, inhaler/nebuliser. Dental treatment sub-limit PLN 1,000. Quarantine accommodation/food sub-limit PLN 5,400. Post-return visit sub-limit PLN 500 (within 30 days). Also covers exacerbation of chronic disease. Limits by package: Komfort Strefa A/B/C PLN 300,000; Plus Strefa A PLN 500,000, B/C PLN 1,000,000; Ekstra Strefa A PLN 800,000, B/C PLN 1,500,000; Max (all zones) PLN 5,000,000.
Emergency medical treatment
Covered
Emergency medical treatment is covered as part of the medical expenses benefit (Koszty leczenia w podróży zagranicznej). Allianz organises and covers costs of emergency medical services arising from sudden illness or accident, up to the insured sum per package and zone (PLN 300,000–5,000,000). Covers COVID-19 as a sudden illness.
Hospitalisation costs
Covered
Hospitalisation costs are covered within the medical expenses benefit. No separate sub-limit for hospitalisation; subject to the overall medical expenses insured sum per package and zone (PLN 300,000–5,000,000). If hospitalisation lasts more than 72 hours or is life-threatening, Allianz also arranges transport of one close person to the insured's location (economy class, return) and accommodation up to PLN 300/day for up to 5 days.
Outpatient treatment
Covered
Outpatient treatment is covered within the medical expenses benefit (Koszty leczenia w podróży zagranicznej). Includes doctor's consultations, diagnostic examinations, prescribed medicines, dressings, and orthopaedic devices. Covered up to the overall insured sum per package and zone (PLN 300,000–5,000,000).
Emergency dental treatment
Covered
In case of sudden illness or accident requiring dental treatment, Allianz covers the costs of dental medical services up to PLN 1,000. Available in all four foreign travel packages (Komfort, Plus, Ekstra, Max).
Medical transport (foreign travel)
Covered
Transport of the insured (Ratownictwo i transport w podróży zagranicznej) is covered without a monetary limit for transport costs. Includes transport from the scene of the event to a medical facility, between medical facilities, and repatriation to Poland or country of residence. Specialist emergency medical transport (ambulance) is also covered without limit. Available in all four packages.
Medical evacuation / repatriation
Covered
Medical evacuation to Poland or the insured's country of residence is covered without a monetary limit on transport costs as part of the Ratownictwo i transport w podróży zagranicznej benefit. Allianz organises and covers costs of transport to the designated location in Poland or country of residence. Repatriation of remains in case of death is also covered (including transport coffin up to PLN 10,000). Available in all four packages.
Repatriation of remains
Covered
In the event of death of the insured during foreign travel, Allianz organises and covers the costs of transporting the remains to the place of burial in Poland or the insured's country of residence. The cost of a transport coffin is covered up to PLN 10,000. Transport costs themselves have no monetary limit. Available in all four packages.
Search and rescue (foreign travel)
Covered
Allianz covers the costs of search and rescue operations conducted by specialised authorised entities, up to PLN 100,000, if the insured's disappearance during foreign travel is reported to police or emergency services. This limit applies within the base packages (Ratownictwo i transport w podróży zagranicznej). An optional add-on Ratownictwo Premium provides an additional PLN 100,000 limit (total PLN 200,000 combined).
COVID-19 treatment
Covered
COVID-19 is explicitly included in the definition of 'sudden illness' (nagłe zachorowanie), which includes illness arising in connection with diseases for which an epidemic or pandemic has been declared, including COVID-19. Covered within the medical expenses benefit up to the full insured sum per package and zone (PLN 300,000–5,000,000).
Pre-existing conditions / chronic disease exacerbation
Conditional
Exacerbation of chronic disease (zaostrzenie objawów choroby przewlekłej) is included within the definition of 'sudden illness' for the Ubezpieczenie w podróży product, and is thus covered under the medical expenses benefit up to the applicable insured sum (PLN 300,000–5,000,000). However, coverage is excluded if, prior to the start of the trip, medical contraindications to travel existed due to the condition in question and the insured was informed of this by a physician. Illnesses for which medical contraindications or indications for treatment/surgery existed before travel and were communicated to the insured are excluded.
Winter and high-risk sports cover
Optional
By default, winter and high-risk sports (sporty wysokiego ryzyka i zimowe) are excluded from all packages. Coverage can be extended by paying an additional premium for the 'Klauzula sportów wysokiego ryzyka i zimowych' rider. When activated, this clause covers amateur participation in defined winter/high-risk sports within medical expenses, transport, NNW, OC, and Ratownictwo Premium. The additional insured sum equals the underlying package's insured sum (PLN 300,000–5,000,000).
Competitive / professional sports cover
Optional
Competitive (wyczynowe) and professional (zawodowe) sports are excluded by default. Coverage can be extended by paying an additional premium for the 'Klauzula wyczynowego uprawiania sportów'. When activated, this covers injuries sustained while practising sports competitively or professionally. Recreational sports are always covered without this clause. The additional insured sum equals the underlying package's insured sum (PLN 300,000–5,000,000).
Pregnancy complications
Conditional
Allianz covers medical services for sudden illness related to a pregnancy that was uncomplicated before the start of travel. This applies to both medical expenses and transport. Childbirth and pregnancy-related planned care are excluded. Abortion/termination of pregnancy is excluded unless necessary to save the life or health of the insured woman.
Personal liability (OC in private life)
Covered
Covers civil liability of the insured for damages (personal injury or property damage) caused unintentionally to third parties during travel. Insured sum: PLN 1,000,000 in packages Komfort, Plus, Ekstra; PLN 2,000,000 in package Max. Covers legal costs and expert fees up to the guarantee sum. Excludes intentional damage, mandatory OC insurances, damage to rented property (except accommodation), environmental damage, and inter-insured claims.
Legal assistance information (Assistance)
Covered
Within the Assistance benefit (included in all four packages without monetary limits), Allianz provides information on the contact details of lawyers and legal advisors at the insured's location abroad. However, Allianz does not cover the actual cost of the lawyer's services. Legal costs in connection with civil liability claims are covered separately within the OC w życiu prywatnym benefit up to the guarantee sum.
24/7 Assistance services
Covered
Assistance is included in all four packages without monetary limits. Services include: locating a medical facility or doctor, providing Polish-language information on hospitalisation, relaying information to family members or designated physician, medication information, help with lost/stolen documents (directing to replacement document issuers), translator referrals, money transfer assistance, legal adviser referrals, and family/friend contact facilitation. Also covers terror/war situations abroad (information, evacuation guidance). Available 24/7 via telephone +48 224 224 224.
Key conditions
Assistance call deadline
In the event of sudden illness or accident, the insured should contact the Allianz Operations Centre (+48 224 224 224, available 24/7) as soon as possible to arrange medical services. Allianz organises services through the Centre; if a medical facility requires a payment guarantee or advance, Allianz may provide this. If the insured does not use any medical services during the trip after reporting the event, Allianz covers the cost of one post-return medical consultation in Poland (up to PLN 500, within 30 days of travel end).
Unauthorized treatment
If the insured incurs medical costs without prior organisation by Allianz's Operations Centre (where such organisation was possible), Allianz retains the right to reimburse only the documented costs actually incurred (rather than organising services directly). Costs not included in the scope of insurance (e.g. costs of planned treatment, cosmetic surgery, vaccinations) are excluded even if incurred abroad.
Purchase while abroad
If the contract is concluded while the insured is already outside their country of residence, the insurance cover commences no earlier than after 1 day (beginning of the second consecutive day) from the policy start date stated in the policy (grace period – no premium is charged for this period). Exception: renewal of an identical policy maintaining continuity of cover. Additionally, if the contract is concluded on the day of travel start, cover commences no earlier than 4 hours after conclusion of the contract.
Chronic conditions
Exacerbation of chronic disease symptoms is included in the definition of 'sudden illness' (nagłe zachorowanie) for the Ubezpieczenie w podróży product and is thus covered under medical expenses up to the applicable insured sum. However, cover is excluded if, before the start of travel, medical contraindications to travel existed due to the chronic condition and the insured was informed of this by a physician, or if there were medical indications for starting treatment or surgery communicated to the insured before travel.
Pregnancy
Medical services for sudden illness related to a pregnancy that was uncomplicated before the start of travel are covered within the medical expenses and transport benefits. Costs related to planned prenatal care, childbirth, and abortion/termination of pregnancy are excluded, except when termination is necessary to save the life or health of the insured woman.
Pre-existing condition exclusions
Pre-existing conditions for which medical contraindications to the specific trip existed and were communicated to the insured by a physician before the start of travel, or for which medical indications for starting treatment or surgery were communicated, are excluded from coverage under both medical expenses and transport. Chronic disease exacerbations where no prior contraindications were communicated are covered. The insured must disclose all circumstances asked by Allianz before concluding the contract.
Coverage duration limit
The insurance period may not exceed 1 year. The policy covers the declared travel start and end dates (both counted as full days). Cover automatically extends if travel is delayed due to the insured's hospitalisation from sudden illness or accident, up to 48 hours after end of hospitalisation (until the insured can travel back or reach a medical facility in Poland/country of residence). Policies can be short-term (under 1 year) or annual (1 year).
Where to buy
Policy specifics
Medical expenses coverage limit by package
Medical expenses coverage varies by package: Comfort/Plus/Extra packages cover up to PLN 200,000 for chronic illness exacerbation; Max package covers up to PLN 1,000,000 for chronic illness and PLN 5,000,000 for other medical emergencies
Dental treatment coverage
Dental treatment coverage up to PLN 1,000 available to insured persons in case of sudden pain
Quarantine accommodation and food allowance
Reimbursement of accommodation and food costs incurred during quarantine while on international travel, up to PLN 5,400, based on proof of costs and quarantine obligation
Post-travel medical visit coverage
Reimbursement of medical visit costs up to PLN 500 after return from travel, provided the visit occurs within 30 days of travel end
Rescue and transport abroad coverage
Organization and coverage of transport services in case of sudden illness or accident, including search and rescue if insured person goes missing
Grace period for policies concluded outside Poland
If contract is concluded while insured is outside Poland, insurance cover commences earliest 3 days after contract conclusion and premium payment (no premium charged for this period), not earlier than 6 hours after contract conclusion
Chronic illness declaration before travel
Exclusion: No coverage for medical services costs resulting from illnesses with health contraindications to travel that existed before travel start (about which insured was informed by physician before travel)
Travel against government warnings or bans
Exclusion: No coverage if insured travels against warnings or bans for travelers issued by state authorities or public bodies of insured's country of residence on travel start date
Geographic zone selection requirement
Coverage is limited to selected geographic zone: Zone A (Europe and Mediterranean countries plus Georgia); Zone B (World without USA and Canada); Zone C (Entire world)
Mandatory Assistance Center contact for medical services
Medical facility providing services to insured may require Allianz to provide guarantee of payment or advance payment up to insurance sum limit