Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A.
Warta
Warta is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
When assistance is organised through the Customer Service Centre (COK), Warta pays medical facilities and service providers directly. If the insured pays out of pocket, Warta reimburses documented costs up to the insured sum to the bank account indicated by the insured.
Geographic scope
Worldwide (excluding Poland and the insured’s country of permanent residence); USA only if explicitly selected at purchase
Coverage applies abroad during foreign travel as defined in the policy; excludes Poland and the insured’s country of permanent residence; USA must be explicitly selected
Unique selling points
- Medical expenses insured sum selectable up to 3,000,000 PLN per person per event — one of the highest limits on the Polish market.
- Alcohol clause is built into the standard cover at no extra charge: incidents occurring after alcohol consumption are covered (excluding driving a rented vehicle under the influence).
- Full 24/7 COK assistance — including cashless direct payment to medical facilities worldwide (public and private) — is included in the base scope without extra premium.
- Pandemic, natural-disaster, and pet-travel packages are included in the base scope at no additional cost, offering broader standard protection than most competitors.
- Acute exacerbations of chronic diseases are covered in the base scope without a premium surcharge, making this policy suitable for travellers with pre-existing conditions.
Coverage limits
Medical expenses (treatment costs)
PLN 3,000,000
Only in §4, §2 ust. 1
Covers necessary treatment costs arising from sudden illness (including COVID-19), consequences of chronic illness, and accidents during travel: hospital stay and treatment (100% of insured sum), doctor visits (100%), prescribed medicines and dressings (100%), glasses/prosthetics repair/purchase (limit 2,000 PLN), emergency dental treatment (limit 2,000 PLN). Customer-selected insured sum; maximum available up to 3,000,000 PLN per person per event.
Emergency medical treatment
PLN 3,000,000
Only in §4 ust. 3 pkt 4, §2 ust. 1 pkt 2 lit. d
Immediate medical assistance organised and covered by Warta via COK 24/7, including first telephone medical advice, organisation of treatment, urgent examinations, procedures and operations ordered by a physician on urgent grounds, up to the medical expenses insured sum (customer-selected, max 3,000,000 PLN).
Hospitalization
100% of insured sum
Only in §2 ust. 1 pkt 1 lit. a, §4 ust. 2 pkt 1
Hospital stay and inpatient treatment covered at 100% of the medical expenses insured sum (customer-selected, max 3,000,000 PLN). Applies per event per insured person.
Outpatient treatment
100% of insured sum
Only in §2 ust. 1 pkt 1 lit. b, §4 ust. 2 pkt 2-3
Doctor visits, outpatient examinations, procedures and operations prescribed on urgent grounds, and purchase of prescribed medicines, dressings and orthopaedic aids, covered at 100% of the medical expenses insured sum (customer-selected, max 3,000,000 PLN).
Emergency dental treatment
PLN 2,000
Only in §2 ust. 1 pkt 1 lit. e, §4 ust. 2 pkt 4
Covers emergency dental treatment in cases of acute inflammation and pain or when necessitated by an accident covered by Warta. Limit 2,000 PLN. Prophylactic, prosthetic and orthodontic dental treatment is excluded.
Medical transport
unlimited
Only in §4 ust. 3 pkt 1 lit. a-d, §2 ust. 1 pkt 2 lit. a
Covers actual costs of medical transport from the site of accident or illness to hospital or clinic (including mountain, land and water rescue services), transport between medical facilities, and medical transport back to the place of accommodation after treatment. Non-medical transport to/from a medical facility is covered up to a limit of 1,000 PLN. All organised under the 1,000,000 PLN assistance umbrella.
Medical evacuation (transport to Poland)
unlimited
Only in §4 ust. 3 pkt 1 lit. e, §2 ust. 1 pkt 2 lit. a
Warta organises and covers actual costs of transporting the insured to their home or a medical facility in Poland (or country of permanent residence) when planned transport is not possible due to health condition. Includes up to 5 nights’ accommodation while awaiting transport. Organised via COK 24/7 within the 1,000,000 PLN assistance umbrella.
Repatriation of remains
unlimited
Only in §4 ust. 3 pkt 1 lit. f
Warta arranges and covers all formalities and costs of transporting the remains of the insured (regardless of cause of death) to a designated location in Poland. Alternatively covers cremation and transport of ashes, transport to a designated location outside Poland, or burial in the country where the event occurred, up to the cost Warta would incur for repatriation to Poland. Organised within the 1,000,000 PLN assistance umbrella.
Search and rescue
unlimited
Only in §4 ust. 3 pkt 3, §2 ust. 1 pkt 2 lit. c
Warta organises and covers actual costs of search and rescue operations in mountains, on land, and at sea by alerting specialised rescue services, from the moment the insured is reported missing until found or until search is called off. Included in base scope within the 1,000,000 PLN assistance umbrella.
COVID-19 treatment
PLN 3,000,000
Only in §4 ust. 1 pkt 1, §4 ust. 3 pkt 15, §2 ust. 1 pkt 2 lit. o
COVID-19 is explicitly named as a covered sudden illness under the base medical expenses coverage (up to the selected insured sum, max 3,000,000 PLN). Additionally, the base scope includes a pandemic package (pakiet pandemia) covering accommodation and meals costs (excluding alcoholic beverages) during isolation of the insured and quarantine of co-travellers insured under the same policy, up to 5,000 PLN per insured person.
Pre-existing / chronic conditions (acute exacerbation)
PLN 3,000,000
Only in §3 pkt 2, §3 pkt 8, §4 ust. 1 pkt 1, §12 ust. 2 pkt 3
Acute sudden exacerbation or complication of a chronic disease (defined as a disease recognised, treated or showing symptoms within 24 months before the policy date) requiring immediate medical attention during travel is covered under the base medical expenses cover, up to the selected insured sum (max 3,000,000 PLN). Planned treatment of chronic diseases, costs of continuing regular chronic disease medication, and chronic disease treatment as such are excluded.
Winter sports cover
Optional
Only in §2 ust. 2 pkt 1, §2 ust. 4, §3 pkt 19, §11 ust. 1 pkt odnosi się do §12 ust. 6 pkt 1
Downhill and cross-country skiing and snowboarding on marked runs are classified as ‘winter sports’ and excluded from the base scope. Coverage for accidents and liability during winter sports requires an additional paid extension (optional add-on). When extended, an additional benefit package for skiers/snowboarders is available: rental equipment reimbursement (80 PLN/day, max 7 days), ski-pass reimbursement (80% of value), and liability for damage to rented ski/snowboard equipment (limit 700 PLN). Off-piste skiing, ski-touring and freeskiing are classified as extreme sports requiring a separate extension.
Adventure / extreme sports cover
Optional
Only in §2 ust. 2 pkt 2, §3 pkt 18, §11 ust. 1 pkt 12-13
Extreme sports (sporty ekstremalne) as defined in the OWU — including off-piste skiing, ski-touring, freeskiing, mountain biking, caving, mountaineering above 3,500 m, ice climbing, trekking above 3,500 m, abseiling, rafting, ocean sailing, paragliding, parachuting, gliding, motorsports, triathlon, etc. — are excluded from the base scope and require an additional paid extension. Himalayan/Karakorum expeditions and polar expeditions remain excluded regardless of extension.
Pregnancy complications
PLN 3,000,000
Only in §12 ust. 1 pkt 4, §11 ust. 1 pkt 3
Complications of pregnancy are covered under the general medical expenses cover up to the 32nd week of pregnancy (customer-selected insured sum, max 3,000,000 PLN). Childbirth and related treatment or care for mother or child if delivery occurs after the 32nd week of pregnancy are excluded. Ectopic pregnancy is explicitly covered. Treatment of miscarriage, artificial insemination or other infertility treatments are excluded.
Personal liability (civil liability in private life)
PLN 300,000
Only in §6, §2 ust. 1 pkt 5
Optional additional cover for the insured’s civil liability for personal injury and property damage caused to third parties by tort during travel in private life. The insured sum is customer-selected. Warta also covers within the insured sum: expert fees, legal defence costs, and criminal defence costs (with Warta’s consent). Vehicle use, professional activities, environmental damage, and events in Poland or country of permanent residence are excluded.
Legal assistance (within OC)
Optional
Only in §6 ust. 4, §4 ust. 3 pkt 13
Legal defence costs (court defence against third-party claims, expert fees, and criminal defence with Warta’s consent) are covered within the personal liability (OC) insured sum if the OC add-on is purchased. Legal assistance is not a standalone coverage; it is part of the optional OC module. Telephone translation assistance in medical matters (English–Polish) is included in the base scope free of charge.
24/7 assistance services
PLN 1,000,000
Only in §4 ust. 3, §2 ust. 1 pkt 2
A comprehensive package of assistance services is included in the base scope under a 1,000,000 PLN umbrella limit (per person per event for medical events), covering: medical transport, home assistant (500 PLN limit), search and rescue (actual costs), emergency medical advice (24/7), early return of insured, return of close relatives, 48-hour coverage extension, trip continuation, care of minor children, replacement driver, visits by a named person, convalescence accommodation, medical translation (EN-PL), natural disaster package (5,000 PLN limit), pandemic package (5,000 PLN limit), and pet travel package (5,000 PLN limit). COK available 24/7 in Polish.
Key conditions
Assistance call deadline
The insured must notify COK by telephone of any event immediately after its occurrence or after learning of it, and no later than 7 days after the cessation of reasons preventing earlier notification. Acting without prior agreement with COK may result in denial or reduction of benefit, except for transport from the site of accident/illness, transport of remains, search and rescue, the natural-disaster package, and the pet-travel package.
Unauthorized treatment
If the insured arranges treatment or assistance without prior coordination with COK (other than the explicitly exempt cases listed in §12 ust. 5), Warta may refuse or reduce reimbursement. If the insured refuses transport organised by COK as medically feasible, further coverage for that event (medical costs and assistance) ceases.
Purchase while abroad
If the insured is already abroad at the time of concluding the contract, Warta’s liability commences at the earliest from the day following conclusion of the contract and payment of the premium (not from the day and hour of conclusion as is possible for persons in Poland). The insured must be in Poland at the time of conclusion to benefit from the ‘same-day’ start option.
Chronic conditions
A chronic disease is defined as a disease that, according to current medical knowledge, involves constant or recurring symptoms or test abnormalities, and which was diagnosed, treated, or showed symptoms within 24 months preceding the date of the insurance contract. Acute sudden exacerbations or complications of chronic diseases are covered under the base medical expenses scope; planned treatment of chronic diseases, continuation of regular chronic medication, and non-emergency chronic disease treatment are excluded.
Pregnancy
Complications of pregnancy are covered under the general medical expenses cover up to the 32nd week of pregnancy. Childbirth and related care occurring after the 32nd week of pregnancy are excluded. Ectopic pregnancy is explicitly covered. Treatment related to termination of pregnancy, artificial insemination, or other fertility treatments is excluded.
Pre-existing condition exclusions
Acute sudden exacerbations or complications of pre-existing chronic conditions (recognised, treated or symptomatic within 24 months before policy date) are covered. Planned treatment, non-emergency chronic disease management, continuation of regular medication, and elective procedures are excluded. Conditions with pre-existing medical contraindications to travel or existing indications for surgery at the time of departure are not covered.
Coverage duration limit
The insurance contract may be concluded for a maximum period of 12 months. Open-policy (polisa otwarta) contracts for corporate clients may only be concluded for exactly 12 months. Medical expenses and assistance coverage begins no earlier than after crossing the Polish border (or the border of the insured’s country of permanent residence) and ends upon re-crossing that border, no later than 23:59 on the end date stated in the policy.
Policy specifics
Pandemic package (COVID-19)
Coverage for accommodation and meals during isolation due to SARS-CoV-2 infection and quarantine costs for co-travelers
SourceClause Art. 4(3)(15)Page 3Section: CHAPTER II SUBJECT AND SCOPE OF INSURANCE > Costs of medical treatment and assistance services > Article 4
pandemic package – organisation and coverage of costs of isolation of the Insured and quarantine of persons travelling together insured under the same policy during the trip, during the insurance period, after crossing the border of the Republic of Poland or the country of permanent residence. […] Warta shall cover the costs of accommodation and meals (with the exception of alcoholic beverages) up to a limit of PLN 5,000 per each Insured;
Natural disasters package
Coverage for transport costs and extended stay in case of avalanche, volcanic eruption or tsunami at destination
SourceClause Art. 4(3)(14)Page 3Section: CHAPTER II SUBJECT AND SCOPE OF INSURANCE > Costs of medical treatment and assistance services > Article 4
elements package – reimbursement of costs incurred in the event of the occurrence of: avalanche, volcanic eruption or tsunami, directly threatening the health or life of the Insured, at the Insured’s place of stay, up to the limit of 5,000 PLN, covering: […] transport of the Insured from the place where the avalanche, volcanic eruption or tsunami occurred to a place allowing him/her to return to Poland or the country of his/her permanent residence, […] accommodation costs, for a maximum of 5 days, in the event that it is not possible to get out of the place where the avalanche, volcanic eruption or tsunami occurred, if the previously booked accommodation cannot be used,
Pet travel package
Coverage for veterinary treatment costs including hospitalization, procedures, medications, transport and cremation
SourceHome protection package
Coverage for home property protection against theft with break-in during insured's foreign travel
SourceClause Art. 10Page 4Section: CHAPTER II SUBJECT AND SCOPE OF INSURANCE > Safe home package > Article 10
During the Insured’s travel outside the borders of the Republic of Poland, Warta shall pay damages for the loss of household movables as a result of burglary from the house or flat constituting the Insured’s place of residence in the Republic of Poland.
Winter sports package
Coverage for winter sports activities and related risks during travel
SourceClause Art. 2(2)Page 1Section: CHAPTER I INTRODUCTORY PROVISIONS > Insurance coverage and sum insured > Article 2
Subject to paragraph 3 and to the exclusions set out in Chapter III, upon payment of an additional premium, the insurance contract may be extended to cover risks relating to: […] 1) practising winter sports;
USA coverage requirement
USA coverage must be explicitly selected at purchase; basic worldwide coverage excludes USA unless specifically chosen
SourceTerritorial exclusions
Insurance does not cover events occurring in Poland or in country of permanent residence of insured
SourceAlcohol clause included in standard coverage
Warta Travel covers incidents occurring after alcohol consumption; alcohol clause is included in standard coverage without additional charge
SourcePost-accident treatment continuation in Poland
Coverage for post-accident treatment in Poland up to 6 months from accident date; automatic for policies up to 30 days when NNW (accident) coverage is purchased; optional for longer policies
SourceCoverage in all medical facilities
Warta Travel provides assistance in both public and private medical facilities; contrasts with EKUZ which covers only public facilities
SourceSources
- https://warta-online.pl/ubezpieczenie-zagraniczne-warta-travel
- https://www.warta.pl/documents/oferta_dla_ciebie/OWU_WARTA_Travel_C0516_EN.pdf#page=4
- https://www.warta.pl/documents/oferta_dla_ciebie/OWU_WARTA_Travel_C0516_EN.pdf#page=6
- https://www.warta.pl/documents/oferta_dla_ciebie/OWU_WARTA_Travel_C0516_EN.pdf#page=7
- https://www.warta.pl/kalkulator/ubezpieczenie-turystyczne/twoja-podroz
- https://www.warta.pl/ubezpieczenie-turystyczne-zagraniczne-warta-travel/