Powszechny Zakład Ubezpieczeń Spółka Akcyjna
PZU Wojażer
PZU Wojażer is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
PZU SA covers medical expenses directly at the medical facility where possible. If the insured pays out of pocket, costs are reimbursed in PLN upon submission of itemised receipts and proof of payment. For costs incurred abroad, reimbursement is converted at the NBP average exchange rate applicable on the settlement date. The Assistance Centre must be contacted before any independent action is taken.
Geographic scope
Poland (Wojażer Polska), Europe including Mediterranean basin (Wojażer Europa), Worldwide (Wojażer Świat)
Three territorial zones selectable at policy inception: Wojażer Polska (Poland only, organised recreation only for Polish residents), Wojażer Europa (all European countries incl. Poland, European Russia, Canary Islands, and non-European Mediterranean countries: Algeria, Morocco, Egypt, Syria, Lebanon, Israel, Gaza Strip, Libya, Tunisia, Turkey), Wojażer Świat (worldwide incl. Poland). Insurance is not currently available for travellers to Ukraine, the Russian Federation or Belarus.
Unique selling points
- PZU SA pays medical expenses directly to the medical facility abroad, eliminating the need for the insured to pay upfront in most cases.
- The policy can be purchased online on the same day as departure (up to 2 hours before a flight), with coverage starting the following day, even from abroad.
- Unique post-travel treatment continuation benefit (Klauzula Nr 11) organises and covers specialist consultations, rehabilitation and planned surgery in Poland via the PZU Zdrowie network after return from a covered trip.
- COVID-19 sudden illness and mandatory quarantine/isolation accommodation costs (up to 7 000 PLN) are included in the base policy without requiring an additional premium.
- Pet transport service: if the insured is hospitalised in Poland for at least 2 days following a covered accident or illness, PZU SA organises and covers transport of dogs or cats to a designated caretaker or animal care facility (up to 300 PLN).
Coverage limits
Medical expenses (costs of treatment)
Covered
Only in Rozdział II §25, §26, §27, §28
Covers costs of medical assistance required by the insured's state of health during travel, including hospitalisation, outpatient treatment, medical visits and teleconsultations, diagnostic tests ordered by a doctor (X-ray, ECG, USG, MRI, CT, basic lab tests), outpatient procedures, prescribed medications and dressings, repair/purchase of prostheses, orthodontic devices, corrective glasses and orthopedic aids (limit 2 000 PLN per policy period), and emergency medical services including transport to a medical facility. Coverage applies until the insured's health condition permits return or transport home. The insured sum is agreed individually between the policyholder and PZU SA at policy inception and constitutes the upper liability limit.
Emergency medical treatment (hospitalisation and outpatient treatment)
Covered
Only in §25 ust. 1 pkt 1, §25 ust. 1 pkt 6
Covers hospital stays and inpatient treatment, emergency and urgent surgery, outpatient medical visits including teleconsultations, doctor-ordered diagnostic tests, and outpatient procedures arising from sudden illness (including COVID-19) or accident during travel. Also covers treatment related to exacerbation or complications of chronic diseases, diseases that required hospitalisation in the 12 months before policy inception, and complications from same-day surgery performed 30 days before policy inception. Pregnancy and childbirth-related treatment is covered up to the end of the 32nd week of gestation. Within the agreed sum insured.
Hospitalisation
Covered
Only in §25 ust. 1 pkt 1 lit. a-b
Hospital stay and inpatient treatment (defined as continuous stay exceeding 24 hours) including emergency and urgent surgery are included within the base medical expenses coverage. No separate sub-limit stated; covered within the agreed sum insured.
Outpatient treatment
Covered
Only in §25 ust. 1 pkt 1 lit. c-e
Outpatient treatment (defined as treatment other than hospitalisation) including medical visits, teleconsultations, diagnostic tests and outpatient procedures ordered by a doctor are included within the base medical expenses coverage. No separate sub-limit; within the agreed sum insured.
Emergency dental treatment
PLN 2,000
Only in §25 ust. 1 pkt 4, §28 ust. 2
Covers emergency dental treatment for acute inflammatory and pain conditions outside Poland, and dental treatment required due to an accident covered by the policy. The sub-limit for acute inflammatory and pain dental conditions is 2 000 PLN for all insurance accidents in the policy period. This sub-limit does not apply to dental treatment requiring hospitalisation. Treatment must occur outside Polish territory.
Medical transport
Covered
Only in §25 ust. 1 pkt 2, §28 ust. 3
Covers: (a) medical transport to the appropriate medical facility from the insured's location or accident site; (b) transport between medical facilities; (c) transport to another hospital if the current facility cannot provide adequate care; (d) transport to the insured's accommodation after medical assistance when the treating doctor advises against using own or public transport; (e) non-medical transport outside Poland by public transport or taxi to/from a medical facility (sub-limit 1 000 PLN). All within the agreed sum insured.
Medical evacuation (transport to country of permanent residence)
Covered
Only in §26 pkt 2
If the insured's health condition following an accident or sudden illness covered by the policy, or a covered quarantine/isolation, prevents use of the originally planned transport, PZU SA organises and covers transport of the insured to their home or a medical facility in the country of permanent residence. Transport is arranged after medical assistance or end of quarantine/isolation, using a means of transport appropriate to the insured's health. Covered within the Basic Assistance package outside the medical expenses sum insured.
Repatriation of remains
Covered
Only in §26 pkt 3
If the insured dies during travel within the insurance period, PZU SA organises and covers the costs of transporting the remains to the place of burial in the country of permanent residence, including the cost of the transport coffin or urn and administrative costs. In the case of cremation in the country where the event occurred, PZU SA covers cremation costs and transport of ashes up to the amount that would have been incurred for remains transport.
Search and rescue
Covered
Only in §26 pkt 4, §26 pkt 5
PZU SA covers costs of searching for the insured in mountains, on land and at sea by specialised rescue units (search costs) as well as costs of providing emergency medical assistance (rescue costs) if the insured goes missing during travel in the insurance period. Additionally covers search and rescue due to sudden adverse weather conditions or sports equipment failure during sports activities, where the insured cannot safely return to base. Within the agreed sum insured.
COVID-19 treatment and quarantine/isolation
Covered
Only in §2 pkt 29, §25 ust. 4, §26 pkt 1
Sudden illness including COVID-19 caused by SARS-CoV-2 or its variants is included in the definition of 'sudden illness' and covered under medical expenses. Additionally, if the insured is subject to quarantine or isolation, PZU SA covers accommodation and board costs up to 7 000 PLN (for one quarantine/isolation event in the policy period) arising from extended stay or change of quarantine location. Benefits are implemented in compliance with applicable legal provisions on epidemic prevention.
Pre-existing / chronic conditions (exacerbation and complications only)
Conditional
Only in §25 ust. 1 pkt 6, §30 ust. 1 pkt 6-7, §1 ust. 4
Covered only for the costs of first medical aid required to stabilise the insured's condition or restore health to the pre-exacerbation level, in connection with: (a) exacerbation or complications of chronic diseases; (b) exacerbation or complications of diseases that caused hospitalisation in the 12 months before policy inception; (c) complications of same-day surgery performed in the 30 days before policy inception. This is conditional coverage: it does NOT cover the baseline treatment of the chronic disease, recommended post-hospitalisation treatment, or complications of pre-policy injuries. Persons for whom travel is medically contraindicated only receive coverage for events unrelated to those contraindications.
Winter sports cover (recreational skiing/snowboarding on marked pistes)
Optional
Only in §4 ust. 1 pkt 1 lit. a, Klauzula Nr 5
Recreational skiing or snowboarding on marked pistes is excluded from the base policy. Coverage can be added for an additional premium under §4.1.1.a. The Sport Assistance Package (Klauzula 5) can also be added and includes: accommodation costs if ski resort is blocked by avalanche (up to 2 000 PLN), compensation of 100 PLN per day for closure of all marked pistes within 30 km (max 10 days, 15 Dec–31 Mar), unused ski pass reimbursement (up to 500 PLN), and repair/rental of sports equipment (up to 500 PLN).
Adventure / high-risk sports and competitive sports cover
Optional
Only in §4 ust. 1 pkt 1 lit. b-c, §4 ust. 1 pkt 2, §30 ust. 1 pkt 19-22, Klauzula Nr 5
High-risk sports (including motor sports, quads, skydiving, paragliding, high-altitude mountaineering, rafting, canyoning, scuba/free diving, ocean sailing, surfing, kitesurfing, off-piste skiing/snowboarding, extreme snowboarding, bungee jumping, martial arts, equestrian, marathons, mountain biking downhill, parkour, zorbing, hunting with firearms, survival expeditions in extreme conditions, trekking above 2 500 m a.s.l.) and competitive sports are excluded from the base policy. Extension is available for an additional premium under §4.1.1. Even with extension, mountaineering above 5 500 m a.s.l. and expeditions to extreme environments above 5 500 m remain excluded. Physical labour can also be added under §4.1.2.
Pregnancy and childbirth-related treatment
Conditional
Only in §25 ust. 1 pkt 5, §30 ust. 2
Treatment related to pregnancy and childbirth (including medical transport to a medical facility) is covered up to the end of the 32nd week of pregnancy. In the event of delivery before the 32nd week, PZU SA covers medical costs for both the mother and the child, with the child's treatment limited to 14 days after birth. Abortion, artificial insemination or other infertility treatment are excluded. Assistance services (excluding search and rescue and repatriation) are also excluded in connection with pregnancy and childbirth after the end of the 32nd week.
Personal liability (civil liability of individuals in private life)
Optional
Only in Klauzula Nr 8
Optional add-on (Klauzula Nr 8). Covers the insured's civil liability in tort for personal injury or property damage caused to third parties during travel in connection with activities of private life or owned property used for private activities. Also covers liability from use of bicycles, personal transport devices, and recreational use of RC models/drones up to 5 kg. Also covers damage from gross negligence. The guarantee sum is agreed individually and constitutes the liability ceiling per insurance accident.
Legal assistance and interpreter assistance (Extended Assistance Package)
PLN 10,000
Only in Klauzula Nr 1 §3 ust. 2 pkt 2-3, Klauzula Nr 4 §3 ust. 2 pkt 2-3
Available under the Extended Assistance Package (Klauzula Nr 1) for an additional premium. If the insured has a legal conflict with the justice system in the country where they are located, PZU SA provides a lawyer representing the insured and covers their fees up to 10 000 PLN (civil liability matters only, outside Poland). Interpreter fees in case of legal conflict: up to 5 000 PLN. Legal assistance is not provided if the insured's legal problem relates to their professional activity or vehicle ownership/storage, or if intentional action is proven.
24/7 Assistance Centre
unlimited
Only in §2 pkt 4, §31
The Assistance Centre (Centrum Pomocy) operates 24 hours a day, 7 days a week. The insured or a person acting on their behalf is required to contact the Centre before taking any independent action in the event of an insurance accident. The Centre coordinates medical assistance, organises medical transport, evacuation and all covered assistance services. Contact number is specified in the insurance document. The Centre does not operate as an emergency ambulance service; life-threatening conditions must be reported directly to the local emergency number first.
Key conditions
Assistance call deadline
The insured must contact the Assistance Centre immediately and before taking any independent action. If contact is impossible due to circumstances beyond the insured's control (force majeure or fortuitous event), the insured must notify the Centre within 7 days of contact becoming possible, and must provide the reason for the inability to contact. Costs incurred without prior Assistance Centre approval are generally not reimbursed, with exceptions for a single dental visit for acute conditions of one tooth, or a single medical visit, which may be reimbursed on submission of itemised receipts and medical documentation.
Unauthorized treatment
PZU SA is not liable for costs incurred without prior Assistance Centre consent, unless contact was impossible due to circumstances beyond the insured's control. In cases of wilful breach or gross negligence in notifying PZU SA of the insurance accident, PZU SA may reduce the benefit if the breach contributed to an increase in damage or prevented PZU SA from establishing the circumstances of the accident.
Purchase while abroad
The insurance contract can be concluded at any time, including on the day of departure (up to 2 hours before a flight), online (direct contract) or by phone. Coverage begins the day after conclusion of the contract and payment of the premium, and not earlier than the commencement of the trip. The contract may also be concluded in advance with a specified future start date for the insurance period.
Chronic conditions
Chronic diseases (defined as diseases diagnosed before policy inception, long-lasting, with persistent or recurring symptoms, of which the insured was aware on the date of policy inception) are excluded from coverage. However, the costs of first medical aid for exacerbation or complications of chronic diseases during travel are covered, limited to stabilising the insured's condition or restoring health to the pre-exacerbation state. Routine treatment of the underlying chronic disease, post-hospitalisation recommended treatment, and complications of pre-policy injuries are not covered.
Pregnancy
Treatment related to pregnancy and childbirth (including medical transport) is covered up to the end of the 32nd week of pregnancy. In the event of delivery before the 32nd week, costs for both mother and child are covered, with the child's treatment limited to 14 days post-delivery. Pregnancy and childbirth after the 32nd week are excluded from assistance services. Abortion, artificial insemination and other fertility treatments are excluded.
Pre-existing condition exclusions
Pre-existing conditions and chronic diseases known to the insured at the time of policy inception are generally excluded. Exacerbation or complications of such conditions during travel are covered only for first medical aid necessary to stabilise the insured's condition, not for ongoing or routine treatment. If there were medical contraindications to travel, coverage applies only to events unrelated to those contraindications. Persons travelling for the purpose of planned treatment or diagnostics cannot purchase the policy.
Coverage duration limit
The insurance contract is concluded for a fixed period from 1 day to 1 year (§7.1). For EU/EEA citizens (Iceland, Liechtenstein, Norway) for whom Poland is the country of permanent residence and who travel within Poland, the insurance period may not exceed 4 months (§7.2). The policy covers the entire trip from leaving home to return. Coverage may be extended by up to 48 hours if the insured's return is delayed due to transport breakdown, public transport cancellation/delay due to adverse weather or fortuitous events, or airline strike.
Documents
PZU Wojażer General Terms and Conditions (OWU) – Resolution UZ/265/2025 dated 28 October 2025
Terms & conditions
PZU Wojażer Insurance Product Information Document (IPID) – 2025 (Polish)
IPID
PZU Wojażer Insurance Product Information Document (IPID) – English version (older resolution UZ/109/2022)
IPID
Policy specifics
Medical treatment coverage
Covers costs of medical treatment in case of sudden illness or accident during travel, including hospitalization, outpatient treatment, telemedical consultations, and emergency dental treatment outside Poland
SourceRescue and emergency medical transport
Covers search and rescue operations (e.g., mountain rescue), emergency medical transport from the site of incident, and transport to home in Poland after medical treatment abroad
SourceAssistance service packages
Multiple assistance packages available: Basic (Podstawowy), Extended (Rozszerzony), Family (Rodzina), Child/Dependent Person (Dziecko/Osoba niesamodzielna), Business (Biznes), Sport, and Cyclist (Rowerzysta)
SourceChronic disease exacerbation coverage
Coverage for medical costs when chronic disease exacerbates during travel and requires medical intervention
SourceCOVID-19 quarantine and illness coverage
Coverage for medical treatment, accommodation and board costs if insured person contracts COVID-19 during travel and is quarantined; also covers cancellation and continuation of treatment after return home
SourceTreatment continuation after travel
Coverage for medical care continuation after return to Poland, including outpatient treatment, diagnostic consultations, surgical procedures, and rehabilitation in case of accident or sudden illness during travel
SourceTerritorial scope of coverage
Insurance covers travel outside Poland (from leaving home until return) and within Poland only in connection with travel outside Poland borders (organized recreation)
SourceAssistance Center contact requirement
Insured person must contact Assistance Center before taking any independent action in case of medical emergency, accident, or other insured event
SourceHealth condition disclosure obligation
Persons with planned medical procedures, surgery, or health conditions that contraindicate travel must clearly disclose their health status when purchasing insurance
SourceClaims notification period
Insured person must notify insurance company about insurance event as soon as possible. If unable to contact Assistance Center due to circumstances beyond their control, must do so within 7 days when contact becomes possible
SourceCoverage start timing
For travel outside Poland: coverage starts upon crossing Polish border entering country of travel. For travel in Poland: coverage starts upon leaving home in connection with organized recreation
SourceMaximum coverage duration
Maximum single trip coverage period is up to 21 days; total travel time during one year cannot exceed 45 days (for annual multi-trip products)
Source