PZU Wojażer Travel insurance (Wojazer)

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.

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.

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 (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.

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.

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.

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. Part of the Basic Assistance package; paid within the single sum insured agreed jointly for medical costs and assistance.

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.

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.

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.

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.

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).

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.

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 are also excluded in connection with pregnancy and childbirth after the end of the 32nd week.

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.

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. If the proceedings show the insured acted intentionally, the insured must repay the legal assistance costs to PZU SA within 30 days of returning home.