Warta
Warta is a travel insurance for the PL market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
PL
Worldwide during foreign travel; excludes the territory of the Republic of Poland and the country of permanent residence of the Insured. USA coverage must be explicitly selected at purchase. Territorial scope is defined in the individual policy document.
Unique selling points
- 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.
Coverage limits
Medical treatment costs
Covered
Covers necessary medical treatment costs arising from sudden illness (including COVID-19), consequences of chronic illness or accident during travel abroad, including hospitalisation, outpatient visits, doctor-prescribed medications, medical procedures and operations, up to the insured sum chosen by the policyholder (up to PLN 3,000,000). Applies to each insured person separately per insured event.
SourceEmergency medical treatment
Covered
Covers urgent and emergent medical procedures, tests and operations ordered by a physician on emergency or urgent indication, justified by the type or severity of the medical condition, within the overall medical expenses insured sum. Includes both inpatient and outpatient emergency treatment.
SourceHospitalisation
Covered
Inpatient hospital stay and treatment costs are covered at 100% of the chosen medical expenses insured sum (up to PLN 3,000,000). This applies to each insured person separately.
SourceOutpatient treatment (doctor visits)
Covered
Outpatient doctor visits and medical consultations are covered at 100% of the chosen medical expenses insured sum. Includes prescribed medications, dressings and auxiliary orthopaedic devices.
SourceEmergency dental treatment
Covered
Dental treatment is covered in cases of sudden acute inflammatory or painful conditions and where treatment is necessitated by an accident covered under the policy, up to a limit of PLN 2,000 per insured person. Prophylactic, prosthetic and orthodontic dental treatment is excluded.
SourceMedical transport
Covered
WARTA organises and covers the actual costs of medical transport from the scene of an accident or sudden illness to a hospital or medical facility, between medical facilities, and medical transport back to the place of accommodation if ordered by the treating physician. Non-medical transport to/from a medical facility is limited to PLN 1,000. Medical repatriation transport to Poland is covered up to the actual costs incurred (no monetary cap on the insured sum).
SourceMedical evacuation (repatriation to Poland)
Covered
WARTA organises and covers the cost of transporting the Insured to their place of residence or a medical facility in Poland if their health condition prevents use of the originally planned means of transport. Transport is provided under conditions recommended by the treating physician, in agreement with the COK physician. Covered at actual cost with no monetary limit on the insured sum.
SourceRepatriation of mortal remains
Covered
WARTA handles all formalities and covers the costs of transporting the Insured’s mortal remains (regardless of cause of death) to a designated location in Poland. At the request of a family member, WARTA may also organise and cover cremation and transport of ashes to Poland, or burial in the country where the event occurred, up to the cost that would have been incurred for transport to Poland.
SourceSearch and rescue
Covered
WARTA organises and covers the actual costs of search and rescue operations in the mountains, on land and on water, carried out by specialist rescue services. Coverage applies from the moment the search is reported to specialist services until the Insured is found or rescue operations are discontinued. Costs do not reduce the medical expenses insured sum.
SourceCOVID-19 treatment
Covered
COVID-19 is explicitly included as a covered sudden illness within the basic scope. Medical treatment costs for COVID-19 abroad are covered up to the full medical expenses insured sum chosen by the policyholder (up to PLN 3,000,000). Additionally, isolation and quarantine accommodation and meal costs for co-travellers are covered up to PLN 5,000 per person under the pandemic package, included at no extra charge.
SourcePre-existing chronic conditions (exacerbation)
Covered
Coverage for sudden exacerbation or complications of chronic diseases that the Insured was previously diagnosed with, treated for, or that showed symptoms within 24 months prior to policy conclusion is included in the basic scope without additional premium. The chronic condition must require immediate medical assistance and treatment before the end of the trip. Does not require pre-declaration to the insurer.
SourceWinter sports coverage extension
Optional
Coverage for accidents and illness during skiing (downhill, cross-country) and snowboarding on marked trails is available as a paid extension. Includes additional benefits: ski equipment rental reimbursement up to PLN 80/day (max 7 days) and 80% reimbursement of ski pass costs. Also extends personal liability to cover damage to rented ski/snowboard equipment (limit PLN 700). Winter sports are excluded from the basic scope.
SourceExtreme sports coverage extension
Optional
Coverage for extreme sports (including off-piste skiing, ski touring, freeskiing, mountain biking, caving, mountaineering above 3,500 m, rafting, ocean sailing, paragliding, skydiving, motorsport rallies, triathlon/Ironman, and others as defined in §3 pt. 18) is available as a paid extension. Himalayan trekking, climbing or expeditions to the Himalayas or Karakoram are excluded under all circumstances. MMA is excluded both professionally and amateurly.
SourcePregnancy complications
Conditional
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.
SourcePersonal liability (third-party liability in private life)
Optional
Covers the Insured’s civil liability for personal injury and property damage caused to third parties by unlawful acts in private life during travel abroad. The insured sum is chosen by the policyholder; limits are not specified in the OWU table (client-determined). WARTA also covers expert fees, court defence costs, and criminal defence costs within the insured sum. Available as an additional option.
SourceLegal assistance (within liability cover)
Covered
Within the personal liability (OC) coverage, WARTA covers court defence costs against third-party claims and criminal defence costs (with WARTA’s prior consent), within the chosen liability insured sum. This is not a standalone legal assistance product but is embedded within OC coverage when OC is selected.
Source24/7 assistance services
Covered
Comprehensive assistance services included in the basic scope at no extra charge, with a combined sub-limit of PLN 1,000,000 per insured person. Includes: medical transport, home assistant, search and rescue, on-call medical advice, early return, return of family members, 48-hour coverage extension, travel continuation, care for minors, substitute driver, visitor arrangement, convalescence accommodation, English-language medical translation, pandemic package (up to PLN 5,000), extreme weather package (up to PLN 5,000), and pet travel package (up to PLN 5,000). 24/7 phone assistance in Polish available worldwide via COK (+48 502 308 308) and online via wartatravel.eap.pl.
SourceKey conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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
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 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.
pre_existing_conditions
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
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.
Where to buy
Documents
Ogólne Warunki Ubezpieczenia WARTA TRAVEL C0516 (PL) – obowiązują od 05.06.2025
terms_and_conditions
General Terms and Conditions of WARTA TRAVEL C0516 (EN) – effective 05.06.2025
terms_and_conditions
Dokument zawierający informacje o produkcie ubezpieczeniowym (IPID) – WARTA TRAVEL I/I-WT/0625
ipid
Policy specifics
Pandemic package coverage
Coverage for accommodation and food costs during isolation due to SARS-CoV-2 infection and quarantine costs for persons traveling with the insured
Extreme weather package
Coverage for transport costs and extended stay when avalanche, volcano eruption, or tsunami occurs at the place of stay
Pet travel package
Coverage for veterinary treatment costs including hospitalization, procedures, operations, medication, transportation and cremation for pets traveling with the insured
Safe home package
Coverage for home property against theft with break-in during the insured's travel abroad
Winter sports package
Extended coverage for winter sports activities including ski pass replacement costs and ski/snowboard equipment rental reimbursement
Waiver of deductible for rented vehicle
Coverage for the deductible amount in case of damage to a rented vehicle due to collision or road accident during travel
Territorial scope of coverage
Insurance is effective during travel abroad within the territorial scope specified in the policy, excluding the territory of Poland and country of permanent residence of the insured
Sudden illness definition
Sudden, life-threatening or health-endangering health condition requiring immediate medical assistance that arises during the insurance period after crossing Poland's border or country of residence border
Medical expense coverage limits
Maximum coverage for medical treatment costs including hospitalization, medical procedures, medications, and medical transport
Assistance services package
Comprehensive assistance services including medical transport organization, search and rescue operations, early return services, travel continuation, medical consultation, and other support services
Event notification requirement
Insured must notify Customer Service Centre immediately after event occurrence or upon becoming aware, not later than 7 days after cessation of reasons preventing prior notification
Policy commencement options
Insurance coverage can commence from the following day after policy conclusion and premium payment, or from the day and hour of conclusion if customer is in Poland at that time
Chronic disease exacerbation coverage
Insurance covers medical costs for exacerbation or complications of chronic diseases that the insured was already being treated for prior to travel