Credit Agricole Towarzystwo Ubezpieczeń Spółka Akcyjna
Credit Agricole
Credit Agricole is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
The insurer organizes and directly covers assistance and medical transport costs through the 24/7 Assistance Center (Centrum pomocy). In cases where the insured could not contact the Center for reasons beyond their control, the insurer reimburses documented costs the insured personally incurred, provided they relate to covered benefits.
Geographic scope
Europe and Mediterranean countries, or Worldwide (excluding Afghanistan, Iraq, Iran, North Korea, Sudan, Syria, Poland, and insured's country of residence)
Coverage does not apply on Polish territory or in the insured person's country of residence. Two selectable territorial scopes: (1) Europe and Mediterranean basin; (2) World excluding listed countries.
Unique selling points
- Coverage is explicitly maintained during a pandemic declaration, ensuring emergency medical assistance for accidents and sudden illness even when a global health emergency is in effect.
- Amateur summer sports activities are included as standard in all variants at no extra premium, while winter sports and high-risk sports can be added as optional extensions.
- Group travel discount of up to 25% is available for groups of 3 to 9 insured persons traveling together, with individual add-on customization per person.
- The Comprehensive variant includes a unique 48-hour automatic coverage extension at no extra cost when return is delayed by circumstances beyond the insured's control (transport breakdown, force majeure, weather).
- 24/7 multilingual Assistance Center (Centrum pomocy) operated in partnership with Europ Assistance Polska provides direct coordination and payment of medical transport, evacuation, and repatriation services without requiring upfront payment from the insured.
Coverage limits
Medical treatment costs (KL)
Covered
Covers necessary documented medical costs abroad arising from sudden illness or accident: outpatient examinations and diagnostic procedures, medical consultations, prescribed medications and dressings, and hospitalization. Sum insured: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Assistance costs are paid from within the same KL sum.
Emergency medical treatment
Covered
Emergency medical treatment is covered within the medical expenses (KL) sum insured across all three variants (50,000/100,000/200,000 PLN). Includes emergency outpatient treatment, diagnostics, consultations, medications, and hospitalization resulting from sudden illness or accident abroad.
Hospitalization
Covered
Covers the costs of hospitalization (inpatient stay exceeding 24 hours) directly resulting from sudden illness or accident abroad. Covered within the KL sum insured: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Covers treatment, procedures, and operations that could not be postponed until return.
Outpatient treatment
Covered
Covers outpatient examinations, diagnostic procedures ordered by a physician, and medical consultations (including doctor's travel to the insured's accommodation if medically required). Covered within the KL sum: 50,000 PLN (Standard), 100,000 PLN (Optimal), 200,000 PLN (Comprehensive).
Emergency dental treatment
Covered
Covers emergency dental treatment in cases of acute inflammatory or pain conditions. Limit: 500 PLN (Optimal), 1,000 PLN (Comprehensive). Not available in Standard variant. Costs reduce the KL sum insured.
Medical transport
Covered
Covers organization and costs of medical transport: (a) from the accident/illness location to the nearest hospital or medical facility; (b) between medical facilities if the current one does not provide adequate care; (c) from hospital to the insured's place of stay. Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).
Medical evacuation / repatriation to home country
Covered
Covers organization and costs of transporting the insured back to Poland or their country of residence (or the nearest medical facility where treatment can continue), when medically required by the attending physician. Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).
Repatriation of remains
Covered
If the insured dies abroad as a result of accident or sudden illness, the insurer covers costs of transporting remains to the burial place in Poland or costs of burial abroad (including required coffin). Available in all three variants within the KL sum insured (50,000/100,000/200,000 PLN).
Search and rescue costs
Covered
Covers documented costs of rescue and search operations conducted by specialist services to save the insured's life or health following sudden illness or accident abroad. Limit: 15,000 PLN (Optimal), 30,000 PLN (Comprehensive). Not available in Standard variant. Costs reduce the KL sum insured.
COVID-19 / pandemic illness treatment
Covered
The official product page explicitly states that coverage includes emergency assistance in the event of an accident or sudden illness even during a pandemic declaration. Specific COVID-19 limits are not separately stated; coverage falls within the general KL sum insured of the chosen variant.
Pre-existing / chronic disease consequences
Optional
By default, the policy does not cover conditions diagnosed before the contract was concluded. For an additional premium, coverage can be extended to include consequences of chronic diseases (including conditions such as cardiovascular disease, diabetes, lipid disorders). This extension is available in all three variants (Standard, Optimal, Comprehensive). Without this extension, stroke and myocardial infarction are only covered if the insured had no prior diagnosis of cardiovascular disease, diabetes or lipid disorders.
Amateur winter sports coverage
Optional
Available as a paid add-on in the Optimal and Comprehensive variants only (not available in Standard). Covers medical costs and accident consequences arising from amateur winter sports activities (recreational, not competitive). The extension also includes coverage of sports equipment (up to 4,000 PLN). Amateur summer sports are included as standard in all variants at no extra cost.
High-risk / adventure sports coverage
Optional
Available as a paid add-on in the Optimal and Comprehensive variants only. Covers medical costs and accident consequences arising from high-risk sports (including motor sports, air sports, water sports such as scuba diving and rafting, combat sports, alpinism, bungee jumping, etc.) and also includes amateur winter sports coverage. The extension includes sports equipment coverage (up to 4,000 PLN). Not available in Standard variant.
Pregnancy complications
Conditional
Pregnancy complications are covered only up to the end of the 19th week of pregnancy. Complications occurring from the 20th week of pregnancy are explicitly excluded. Childbirth occurring after the 20th week of pregnancy is excluded. Routine pregnancy monitoring and planned treatment are also excluded. Emergency treatment within the covered period falls within the KL sum insured.
Civil liability in private life (OC)
Covered
Covers civil liability of the insured toward third parties for personal injury or property damage caused by unlawful acts during foreign travel (in private life activities, care of children/disabled persons, bicycle use, pedestrian road accidents, pet ownership). Guarantee sum: 100,000 PLN (Optimal), 200,000 PLN (Comprehensive). Not available in Standard variant.
Legal assistance
Excluded
No standalone legal assistance benefit is provided. Legal representation costs during civil liability proceedings are covered within the OC sum guaranty (Optimal and Comprehensive variants only). Translator assistance during police/court proceedings is covered within Auto Assistance (optional add-on). No separate legal assistance product line exists.
24/7 Assistance Center (Centrum pomocy)
Covered
A 24/7 assistance helpline (Centrum pomocy) is available in all three variants. Services include: medical transport organization, transport to Poland or country of residence, repatriation of remains, transport/care of minor children, information relay, visitor organization (Optimal and Comprehensive only), early return organization (Comprehensive only). All assistance costs are paid within the KL sum insured. Contact: +48 71 77 32 333 (from abroad) or 801 300 515 (from Poland).
Key conditions
Assistance call deadline
The insured must contact the Assistance Center (Centrum pomocy) immediately upon the occurrence of sudden illness or accident, before taking any independent action. Contact details are stated on the policy document. In cases where contacting the Center was impossible for reasons beyond the insured's control, a reimbursement claim can be submitted within 10 days of returning from travel.
Unauthorized treatment
If the insured did not contact the Assistance Center for reasons beyond their control and personally incurred covered costs, the insurer reimburses these costs. If the insured unreasonably refused to return to Poland when their health permitted transport, the insurer may refuse to cover further treatment costs (except transport). Treatment that could be safely postponed until return is not covered.
Purchase while abroad
If the insured is already abroad at the time of purchasing the policy, a 3-day waiting period (karencja) applies before coverage begins. Coverage starts no earlier than 3 days after the policy contract is concluded and the premium is paid.
Chronic conditions
Chronic diseases (long-term conditions diagnosed before the policy was concluded) are excluded by default. Coverage of chronic disease consequences is available as an optional paid add-on in all three variants. Without this extension, the insurer does not cover costs of treatment related to conditions diagnosed before the start of cover, including complications thereof. Allergy is treated as a chronic disease unless the allergic reaction occurs suddenly and directly threatens the insured's life.
Pregnancy
Planned pregnancy monitoring, routine diagnostics, and planned treatment related to pregnancy are excluded. Pregnancy complications are covered only up to and including the 19th week of pregnancy. Complications from the 20th week of pregnancy and childbirth after the 20th week are explicitly excluded. Emergency treatment within the covered period (up to week 19) is paid within the KL sum insured of the chosen variant.
Pre-existing condition exclusions
Conditions diagnosed before conclusion of the insurance contract are excluded by default. The insurer is not liable for diseases or their consequences that were diagnosed before the policy was taken out. Extension for chronic disease consequences is available for an additional premium. Without this extension, stroke and myocardial infarction are excluded if the insured had a prior diagnosis of cardiovascular disease, diabetes, or lipid disorders.
Coverage duration limit
Coverage is provided for the duration of foreign travel as stated in the policy, with a minimum of 1 day and a maximum of 365 days. Coverage begins upon crossing the Polish border (or the border of the country of residence) on the date stated in the policy and ends upon return to Poland (or the country of residence), no later than 23:59 on the last day of the insurance period. In the Comprehensive variant, coverage can be extended by up to 48 hours in specific circumstances beyond the insured's control (transport breakdown, force majeure, weather-related cancellation, etc.), without additional premium. The 48-hour extension does not apply to auto assistance.
Where to buy
Policy specifics
Medical expenses coverage
Coverage of unexpected medical expenses during international travel, including ambulatory consultations, diagnostics, medication and hospitalization costs
Emergency medical evacuation
Coverage for emergency medical evacuation and repatriation in optimal and comprehensive variants
Travel assistance services
Assistance services provided in partnership with Europ Assistance including emergency support and guidance during travel difficulties
Luggage and baggage coverage
Coverage for loss or damage to travel luggage with maximum limit of 2,000 PLN
Sports equipment coverage
Optional coverage for loss or damage to sports equipment with maximum sum of 4,000 PLN
Civil liability coverage
Civil liability insurance with sum guarantee of 100,000 PLN (Optimal) or 200,000 PLN (Comprehensive)
Vehicle assistance coverage
Assistance for vehicle breakdown or accidents during travel in Europe and Mediterranean countries
Territorial scope - World
Coverage applies worldwide with specific country exclusions: Afghanistan, Iraq, Iran, North Korea, Sudan, Syria, Poland, and country of insured's residence
Three product variants available
Insurance offered in three tiers: Standard, Optimal, and Comprehensive with increasing coverage levels and benefits
No coverage in country of residence
Insurance protection does not apply on Polish territory or in the insured person's country of permanent residence
Pandemic coverage maintained
Coverage extends to medical emergencies and accidents even in case of pandemic declaration
Group coverage option with discounts
Group contracts available for 2-9 persons with discount up to 25% for groups of 3 or more persons
Summer sports coverage included standard
Amateur summer sports activities covered as standard benefit in all variants
48-hour extension provision
In Comprehensive variant, coverage can be extended for up to 48 hours if unexpected circumstances force extension of stay
Travel document theft protection
Coverage against theft of travel documents available in Comprehensive variant only