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Feature / category	ERGO Hestia May 10, 2026 Open details	PZU May 10, 2026 Open details	UNIQA May 10, 2026 Open details	Warta May 10, 2026 Open details
Overview
Insurer	Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.	Powszechny Zakład Ubezpieczeń Spółka Akcyjna	UNIQA Towarzystwo Ubezpieczeń S.A.	Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A.
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Starting price	—	—	PLN 6	—
Billing basis	per_trip	per_trip	per_trip	per_trip
Unique selling points	Medical expenses coverage reaches up to PLN 3,000,000 in Variant III, with transport and evacuation costs not reducing the insured sum – a significant advantage over minimum market standards. 11 common chronic conditions (including diabetes, hypertension, and asthma) are automatically covered in the base policy without any extension, provided the insured is under medical care and following treatment recommendations. Cashless medical assistance is organised 24/7 through the Emergency Centre, which directly coordinates hospital selection, transport, and payment with medical facilities abroad on behalf of the insured. Coverage automatically extends by 48 hours at no extra cost when return travel is delayed due to transport failure, adverse weather, or other circumstances beyond the insured's control. Mountain and maritime search-and-rescue costs are fully covered within the overall medical expenses sum insured (up to PLN 3,000,000), and personal liability cover extends to damage caused by minor children and domestic animals.	Exacerbations and complications of chronic diseases are covered as standard in the basic scope – no extra premium required, unlike many competing products. COVID-19 quarantine and isolation costs (accommodation, meals, and return transport organisation) are covered up to PLN 7,000 within the basic Assistance Package. Personal liability (OC) in private life is available as an add-on, which is a standard differentiator for PZU Wojażer not found in many similarly-priced competing policies. Post-travel treatment continuation (Klauzula Nr 11) is available as an add-on, covering specialist consultations, diagnostics, rehabilitation and planned surgical operations in Poland up to PLN 15,000 after return from abroad. The 24/7 Assistance Centre organises and directly pays medical facilities abroad, with 48-hour coverage extension automatically applied in case of transport delays beyond the insured's control.	Not available	Medical expenses insured sum of up to PLN 3,000,000 per person per event – one of the highest limits available on the Polish market – with full cashless direct payment to medical providers organised by COK. Chronic disease exacerbations (including conditions such as hypertension, diabetes and asthma) are covered within the basic scope at no extra premium and with no pre-declaration required. COVID-19 treatment, pandemic isolation accommodation and co-traveller quarantine costs (up to PLN 5,000 per person) are included free of charge in the basic scope under the pandemic package. 24/7 Polish-language customer assistance centre available worldwide by phone and via online appointment platform (wartatravel.eap.pl), with unlimited medical repatriation transport to Poland at actual cost. Search and rescue operations in the mountains, on land and at sea are covered at actual cost with no monetary cap and do not reduce the medical expenses insured sum.
IPID	IPID	IPID	Not available	IPID
Terms & conditions	Terms & conditions	Terms & conditions 1 Terms & conditions 2	Not available	Terms & conditions 1 Terms & conditions 2
Coverage
Medical expenses	PLN 200,000 – PLN 3,000,000	Covered	PLN 300,000 – PLN 2,500,000	PLN 3,000,000
Medical transport	Covered	Covered	PLN 300,000 – PLN 2,500,000	Covered
COVID-19 treatment	PLN 10,000	Covered	PLN 300,000 – PLN 2,500,000	PLN 3,000,000
Personal liability	PLN 200,000 – PLN 1,000,000	Optional	PLN 200,000 – PLN 1,000,000	Optional
Emergency dental	PLN 2,000	PLN 2,000	PLN 2,500	PLN 2,000
Search & rescue	PLN 200,000 – PLN 3,000,000	Covered	PLN 300,000 – PLN 2,500,000	Covered
Legal assistance	Available only in Variant III. Covers organisation and costs of legal advice, legal representation, translator, and bail mediation in the event that the insured, while abroad, comes into conflict with the law of the country of stay. Legal assistance does not apply if the matter is related to the insured's work or professional activity.	Optional	PLN 12,500	Covered
Emergency medical treatment	PLN 200,000 – PLN 3,000,000	Covered	PLN 300,000 – PLN 2,500,000	PLN 3,000,000
Hospitalization	PLN 200,000 – PLN 3,000,000	Covered	PLN 300,000 – PLN 2,500,000	PLN 3,000,000
Outpatient treatment	PLN 200,000 – PLN 3,000,000	Covered	PLN 300,000 – PLN 2,500,000	PLN 3,000,000
Medical evacuation	Covered	Covered	PLN 300,000 – PLN 2,500,000	Covered
Repatriation of remains	Covered	Covered	PLN 6,000	Covered
Pre existing conditions	Certain diagnosed chronic diseases and metabolic disorders are covered without purchasing any extension, provided the insured was under a doctor's care and following the treating doctor's recommendations at the time of the insurance contract. These conditions include: allergy, bronchial asthma, all types of diabetes, depression, herniated disc (dyskopatia), insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, and obesity. All other chronic diseases require the optional 'Choroby przewlekłe' extension. If after Emergency Centre assistance commences it is established that the insured was not following the doctor's recommendations, or the benefit was provided in connection with a different chronic disease, ERGO Hestia reserves the right to seek reimbursement of costs incurred.	Costs of treatment of exacerbation or complications of chronic diseases are covered as a standard inclusion (§ 25 ust. 1 pkt 6 lit. a). However, only the costs of first medical aid for stabilisation or return to pre-exacerbation health status are covered – not the costs of treating the underlying chronic disease or post-hospitalisation recommended treatment, nor costs of treating consequences of injuries occurring before policy inception. Exacerbation/complications of a chronic disease or disease causing hospitalisation within 12 months before policy inception are covered under specific definitional terms. Diseases causing hospitalisation within 12 months prior to conclusion of the insurance contract are similarly covered for exacerbation/complications (§ 25 ust. 1 pkt 6 lit. b). Complications of a day-surgery procedure within 30 days prior to conclusion of the contract are also covered (§ 25 ust. 1 pkt 6 lit. c). Mental disorders, alcohol-related diseases, HIV/AIDS, and sexually transmitted diseases are explicitly excluded.	Acute exacerbation of chronic, oncological or psychiatric diseases (arising suddenly after crossing the Polish border, requiring immediate medical attention and treatment before end of the trip) is covered up to 100% of the medical expenses sum insured in all variants, at no additional premium. This is a core differentiator versus predecessor product. However, costs of treatment of conditions diagnosed or manifested before conclusion of the insurance contract, or trips undertaken for the purpose of medical treatment, are excluded. Trips to the USA, Canada or Australia are not available for persons over 70 years of age.	PLN 3,000,000
Winter sports cover	Optional	Optional	Covered	Optional
Adventure sports cover	Optional	Optional	Optional	Optional
Pregnancy complications	Childbirth is covered only if it occurs before the 32nd week of pregnancy. Termination of pregnancy is covered only if performed to save the life or health of the insured woman and if the procedure is permitted by the law of the country where it is performed. Planned treatment related to pregnancy that began before travel is excluded. There is no specific separate sum for pregnancy; it falls within the overall medical expenses coverage.	Covers treatment related to pregnancy and childbirth (including medical transport costs) up to the end of the 32nd week of pregnancy. In case of birth before the 32nd week, PZU SA covers treatment costs for both the mother and the child, with child treatment limited to 14 days after birth. Treatment related to pregnancy after the 32nd week is excluded from assistance services. Abortion, artificial insemination, infertility treatment, and contraceptive costs are explicitly excluded.	Medical treatment costs arising from pregnancy complications are covered only up to and including the 32nd week of pregnancy. Childbirth occurring after the 32nd week of pregnancy is explicitly excluded. Abortion costs are excluded. Artificial insemination, infertility treatment, and contraceptives are excluded.	Childbirth and related treatment or care for mother or child is excluded if it occurs after the 32nd week of pregnancy. Treatment for ectopic pregnancy is explicitly included. Medically necessary treatment arising from pregnancy complications before 32 weeks would fall under general medical expenses coverage.
Key conditions
Assistance call deadline	The insured must contact the Emergency Centre (Centrum Alarmowe) immediately upon any event triggering the insurance obligation and before incurring treatment costs exceeding PLN 2,000. The Emergency Centre organises and decides all medical assistance, transport, accommodation and related services. If the Emergency Centre could not be reached and assistance was self-organised, ERGO Hestia reimburses documented costs up to applicable limits. Failure to contact the Emergency Centre without justification may result in reduction or refusal of benefits.	The insured must immediately contact Centrum Pomocy by phone before taking independent action. If contact was impossible due to circumstances beyond the insured's control (e.g. force majeure or random event), notification must be made within 7 days of the date when contact became possible, with the reason for inability to contact stated. For a single dental visit (acute inflammation/pain, one tooth) or a single doctor visit, prior contact with Centrum Pomocy is not required; costs are reimbursed on the basis of named receipts, proof of payment, and medical documentation.	The insured must contact the Emergency Assistance Centre before taking any independent action and no later than within 48 hours of the event giving rise to the insurer's liability. Exception: a single dental visit for acute pain/inflammation (limited to 1 tooth) or a single outpatient visit where the insured selects the doctor themselves and pays the bill. If prior contact was impossible for reasons beyond the insured's control, a written claim must be submitted within 7 days of return to Poland.	The Insured must notify the Customer Service Centre (COK) immediately after the event occurs or upon becoming aware of it, no later than 7 days after the cessation of reasons preventing prior notification. For assistance services, contact must be made by phone 24/7. Failure to comply may result in reduction of benefits if this contributed to an increase in the loss or prevented WARTA from establishing circumstances and effects of the event.
Purchase while abroad	Coverage begins no earlier than the day following payment of the premium or its first instalment (§4). The policy may be purchased before departure. There is no explicit provision for purchasing while already abroad under the standard terms; it is implied that coverage must be arranged before travel commences, as the insured sum and period are agreed at inception.	Under the OWU, the insurance contract takes effect from the day after conclusion of the insurance contract, but not earlier than the day after payment of the premium or its first instalment (unless otherwise agreed), and not earlier than the moment of starting the journey in Poland or crossing the Polish border upon entry (for persons entering Poland). For the trip-cancellation insurance (Klauzula Nr 12), the contract must be concluded no later than within 3 business days from the date of conclusion of the organised holiday participation agreement, payment of costs or advance payment, or payment for tickets (whichever occurs earlier). It is not explicitly prohibited to purchase the insurance abroad during a trip, but the standard rules on commencement of coverage apply.	If the insurance contract is concluded for a person who is already abroad at the time of conclusion, coverage starts after a 3-day waiting period (karencja) from the date of premium payment. The standard 3-hour waiting period applies only when the insured is in Poland at the time of purchase. Extension of coverage for an insured already abroad requires a new contract and the waiting period does not apply.	Persons present in Poland at the time of contracting may obtain immediate coverage from the day and hour of conclusion and premium payment. Persons already abroad at the time of contracting receive coverage starting no earlier than the day following conclusion. The commencement of coverage for medical expenses, assistance, baggage, liability, and vehicle deductible waiver requires crossing of the Polish border or country of permanent residence.
Chronic conditions	The following diagnosed chronic diseases and metabolic disorders are covered in the base product (Medical Assistance and Costs of Treatment, and Podróż Assistance) without any extension, provided the insured was under a doctor's care and followed the treating doctor's recommendations: allergy, bronchial asthma, all types of diabetes, depression, herniated disc (dyskopatia), insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, and obesity. All other chronic diseases (e.g. coronary artery disease, arthritis, epilepsy) require the optional 'Choroby przewlekłe' extension. Chronic disease is defined as a disease condition with slow development and long duration requiring continuous or periodic treatment within the 12 months before the policy inception.	Chronic diseases (choroby przewlekłe) are generally excluded from coverage (§ 30 ust. 1 pkt 6). However, costs of treatment of exacerbation or complications of chronic diseases are included as a standard exception (§ 25 ust. 1 pkt 6 lit. a). 'Chronic disease' is defined as a disease diagnosed before conclusion of the insurance contract, of long-term course usually lasting months or years, with constant or recurring symptoms or abnormal test results, which the insured suffered from on the day of conclusion of the contract and was aware of, regardless of whether medical intervention was required. The covered costs for exacerbation/complications are limited to first medical aid costs necessary to stabilise the insured's condition or return to the pre-exacerbation health state; they do not cover costs of treating the underlying chronic disease or post-hospitalisation recommended treatment.	Acute exacerbation (sudden worsening arising after crossing the Polish border) of chronic, oncological or psychiatric diseases is treated as a sudden illness and is covered up to 100% of the medical expenses sum insured in all variants, with no additional premium. A 'chronic disease' is defined as one diagnosed, treated or symptomatic within the 24 months prior to contract conclusion. Routine treatment of chronic diseases, preventive treatment, and trips undertaken for the purpose of medical treatment are excluded.	Exacerbation or complications of chronic diseases (defined as diseases diagnosed, treated or symptomatic within 24 months prior to policy conclusion) are included in the basic scope without additional premium. The exacerbation must arise suddenly during the trip, outside Poland and the country of permanent residence, and require immediate medical assistance before the end of the trip. Treatment of chronic diseases themselves (as opposed to their exacerbation) is excluded.
Pregnancy	Childbirth is covered only if it occurs before the 32nd week of pregnancy. Termination of pregnancy is covered only if performed to save the life or health of the insured woman and the procedure is permitted under the law of the country where performed. Treatment related to pregnancy that was the purpose of travel and treatment begun before travel are excluded.	Treatment related to pregnancy and childbirth is covered up to the end of the 32nd week of pregnancy (§ 25 ust. 1 pkt 5). In case of birth before the 32nd week, child treatment is limited to 14 days post-birth. Assistance services related to pregnancy/childbirth after the 32nd week are excluded (§ 30 ust. 2). Abortion, artificial insemination, infertility treatment, and contraceptives are excluded (§ 30 ust. 1 pkt 15). The contract cannot be concluded if the purpose of the trip is planned treatment or diagnostics (§ 1 ust. 3 pkt 4).	Medical costs related to pregnancy complications are covered up to and including the 32nd week of pregnancy. Childbirth after the 32nd week of pregnancy is excluded. Abortion, artificial insemination, infertility treatment, and contraceptives are excluded entirely.	Childbirth and related medical treatment or care for the mother or child is excluded if the birth occurs after the 32nd week of pregnancy. Ectopic pregnancy is explicitly included in coverage. Complications of pregnancy up to and including the 32nd week of pregnancy may qualify as a sudden illness covered under general medical expenses.
Unauthorized treatment	If the insured refuses transport approved by the Emergency Centre and treating doctor to continue treatment in Poland or country of residence, ERGO Hestia ceases to cover any further costs abroad related to that illness or accident. Failure to comply with doctor's or Emergency Centre's recommendations, or treatment by a family member physician, is an exclusion ground. If obligations under §23–25 are breached through wilful fault or gross negligence, ERGO Hestia may refuse payment wholly or partially if the breach affected the occurrence or extent of loss.	PZU SA is not liable for costs incurred without the consent of Centrum Pomocy, unless contact was impossible for reasons beyond the insured's control (§ 29 ust. 1). If the insured independently organised and paid for treatment and assistance due to inability to contact Centrum Pomocy, PZU SA reimburses these costs on the basis of medical documentation confirming the covered insurance event and named receipts and proof of payment. If costs were not yet paid by the insured, the insured must notify PZU SA within 7 days of regaining contact and submit medical documentation and receipts. Intentional or grossly negligent failure to notify PZU SA of an insurance event may result in a reduction of benefits if the breach contributed to an increase in the loss or prevented PZU SA from determining the circumstances and effects of the event.	If the insured wilfully or through gross negligence fails to contact the Emergency Assistance Centre before seeking treatment, the benefit may be reduced to the extent the failure contributed to an increase in costs or prevented the insurer from establishing the circumstances and extent of the loss (OWU §18). Refusal to return to Poland contrary to the attending physician's decision also results in exclusion of further treatment costs.	If the Insured acts without prior agreement with COK (except for: emergency medical transport, transport of remains, search and rescue, extreme weather package, and pet travel package), WARTA may refuse to cover the related costs. In force majeure situations where prior contact with COK was impossible, WARTA reimburses justified and documented costs up to the amount it would have incurred had it organised the assistance itself.
Pre existing conditions	Medical facilities used by the insured in the 24 months prior to policy inception must be disclosed upon request in the event of a claim (§24). Treatment begun before travel and treatment whose purpose was the trip itself are excluded (§8). For the 11 listed chronic conditions (allergy, bronchial asthma, all types of diabetes, depression, herniated disc, insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, obesity), base coverage applies only if the insured was under doctor's care and complying with treatment. Non-disclosure or non-compliance may result in claim reduction or refusal and ERGO Hestia may seek reimbursement of costs already paid.	Pre-existing conditions in the sense of chronic diseases are excluded from basic coverage, except for exacerbations and complications (see 'chronic_diseases'). Additionally, diseases that were the cause of hospitalisation within 12 months before conclusion of the insurance contract are excluded (§ 30 ust. 1 pkt 7), but exacerbations/complications thereof are covered under specific conditions (§ 25 ust. 1 pkt 6 lit. b). If health contraindications to travel existed, the insurance covers only medical costs and assistance for insurance events unrelated to those contraindications (§ 1 ust. 4). The contract cannot be concluded if the purpose of the trip is planned treatment or diagnostics (§ 1 ust. 3 pkt 4).	Treatment costs for illnesses or accident consequences diagnosed or manifested before conclusion of the insurance contract are excluded. Trips undertaken for the purpose of seeking medical advice or planned treatment and resulting complications are also excluded. Exception: acute exacerbation of chronic/oncological/psychiatric diseases is covered (see chronic_diseases condition). The insurer is not liable for travel to countries where active warfare or martial law is already in progress.	Chronic disease exacerbations are covered in the basic scope without additional premium and without requiring pre-declaration to the insurer (see chronic_diseases above). However, if medical contraindications to travel existed prior to departure, or if there were pre-existing indications for a surgical procedure or treatment, coverage is excluded. Planned treatment, including planned procedures, tests and medications, is not covered.
Coverage duration limit	For short-term policies: coverage lasts for the specific trip duration chosen by the policyholder. For annual (ryczałtowe) policies: coverage applies for the first 40 days of each trip starting within the policy period, ending no later than the end of the policy period. The 48-hour coverage extension applies automatically (at no extra charge) when return is delayed due to transport breakdown, weather, or other circumstances beyond the insured's control.	The insurance contract is concluded for a defined period from 1 day to 1 year (§ 7 ust. 1). For EU/EEA citizens (other than Polish) or foreigners permanently residing in an EU/EEA country and travelling within Poland, the contract may only be concluded for a period not exceeding 4 months (§ 7 ust. 2). Insurance protection lasts for the duration of the travel, ending at the moment of return home or to a medical facility near the place of residence in Poland, or upon expiry of the insurance period. Coverage is extended by up to 48 hours if return is delayed due to transport breakdown, cancellation/delay of public transport due to adverse weather conditions or random events, or airline strikes (§ 11 ust. 2).	The insurance contract is concluded for a minimum of 1 day and a maximum of 12 months. For annual multi-trip policies (6 or 12 months), each individual trip must not exceed 90 days; if a trip exceeds 90 days, coverage applies only for the first 90 days. Coverage automatically extends (without additional premium) by up to 72 hours if the return to Poland is delayed due to specified force majeure events (transport breakdown, natural disaster, rescue operation, transport delay due to weather, road/water/air accident).	The insurance agreement may be concluded for a maximum period of 12 months. An open policy (polisa otwarta) for corporate/fleet use can only be concluded for exactly 12 months. Coverage for medical expenses, assistance, baggage, liability and vehicle deductible waiver ends upon re-crossing the Polish border or border of the country of permanent residence, no later than 23:59 on the last day specified in the policy.
Proof and next steps
Direct payment policy	ERGO Hestia organises and directly pays for medical assistance through the 24/7 Emergency Centre (Centrum Alarmowe) in a cashless manner. If the Emergency Centre could not organise a benefit, ERGO Hestia reimburses documented costs up to the applicable limit. The insured must notify ERGO Hestia before incurring treatment costs exceeding PLN 2,000.	PZU SA covers medical costs directly at the medical facility where possible, or reimburses the insured for documented costs. The insured must contact the Assistance Center (Centrum Pomocy) before taking action independently. Direct billing applies in network facilities; reimbursement applies where direct billing is not possible. For a single dental visit or single doctor visit, contact with Centrum Pomocy is not required and costs can be reimbursed on the basis of receipts and medical documentation.	The Emergency Assistance Centre (ISON Care) organises and directly pays for medical treatment and assistance services abroad on behalf of the insurer. The insured must contact the Centre before taking any independent action; failure to do so within 48 hours may result in a reduced or denied claim. Reimbursement to the insured is available only where prior contact was impossible for reasons beyond their control, and written claim must be submitted within 7 days of return to Poland.	WARTA pays medical providers directly on behalf of the Insured where assistance services are organised via the Customer Service Centre (COK). If the Insured pays out-of-pocket, WARTA reimburses documented costs up to the insured sum directly to the Insured’s Polish bank account. Direct cashless payment to providers is the default for organised assistance.
Last verified	May 10, 2026	May 10, 2026	May 10, 2026	May 10, 2026