Warta Travel insurance (Warta Travel)

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.

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).

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.

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).

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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 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.