Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A. (You Can Drive brand)
You Can Drive
You Can Drive is a travel insurance for the Poland market with online purchase and 24/7 assistance.
Direct payment
Medical assistance is organised and paid directly by the Alarm Centre (Centrum Alarmowe) on behalf of ERGO Hestia. The insurer selects the hospital, arranges transport and settles costs directly with the facility. If the Alarm Centre could not organise the service for reasons beyond its control, ERGO Hestia reimburses documented costs incurred by the insured within applicable limits.
Geographic scope
Worldwide excluding USA, Canada, China and Japan
Coverage applies outside Poland and outside the insured's country of residence. Countries subject to Polish MFA travel warnings are excluded. Terrorism coverage applies for up to 7 days after an event, limited to 50% of the insured sum.
Unique selling points
- Cashless medical assistance organised directly by the 24/7 Alarm Centre, which selects hospitals, arranges transport and settles bills on the insured's behalf.
- COVID-19 illness and mandatory isolation/quarantine are explicitly covered as insured events, with a PLN 10,000 combined limit for hotel stay and return transport.
- Mountain and sea rescue operations are covered up to PLN 50,000 per insured person, including helicopter and maritime evacuation.
- Coverage automatically extends by 48 hours at no extra cost if the insured's return is delayed by transport breakdown, cancellation, bad weather, or a random event.
- Brand backed by ERGO Hestia (Munich Re Group) — over 30 years of experience — offering full digital policy management and self-service via the Polisa Online portal.
Coverage limits
Medical treatment costs (Koszty Leczenia)
Covered
Covers necessary and immediate medical treatment costs incurred during travel due to sudden illness (including COVID-19), mandatory isolation/quarantine, or accident. Includes inpatient and outpatient treatment, surgery, diagnostic tests, prescribed medications, orthopaedic aids and dressings, use of decompression chambers. The insured sum is set by the policyholder per insured person and stated in the policy document. All costs and services are covered up to the full KL&A insured sum.
Emergency medical treatment (outpatient and inpatient)
Covered
Includes emergency outpatient and hospital treatment, procedures and operations that could not be postponed until return to Poland or country of residence, consultations, and prescribed medications. Covered up to the full KL&A insured sum. The Alarm Centre selects and contacts the appropriate hospital.
Hospitalisation costs
Covered
Hospital stay, treatment, surgery, and procedures covered up to the full KL&A insured sum, provided the treatment could not be deferred until return to Poland or the insured's country of residence.
Outpatient treatment and consultations
Covered
Covers outpatient diagnostic tests, procedures, medical consultations, and prescribed medications including infusion fluids and orthopaedic aids, up to the full KL&A insured sum. Organisation of a doctor's visit at the hotel or place of stay is included.
Emergency dental treatment
Covered
Emergency dental treatment covered up to PLN 2,000 as part of the medical costs (Koszty Leczenia) benefit. Covers only immediate and necessary dental treatment; routine and non-urgent dental care is excluded.
Medical transport
Covered
Covers ambulance transport from the scene to the nearest medical facility, transport between hospitals abroad, transport after treatment to accommodation, and return transport to Poland or country of residence if required by health condition and planned transport cannot be used. Covered up to the full KL&A insured sum. The Alarm Centre decides on the means and timing of transport after consultation with the treating physician.
Medical evacuation
Covered
Evacuation from the scene of accident or illness to the nearest appropriate medical facility, including air or sea transport. Covered within the Transport component of the KL&A benefit up to the full insured sum. The Alarm Centre organises and decides on the mode of transport.
Repatriation of mortal remains
Covered
In the event of the insured person's death, covers cremation, transport of the body or urn with ashes to the country of residence, or burial abroad. Covered within the Transport component of the KL&A benefit up to the full insured sum.
Mountain and sea rescue (Ratownictwo w górach i na morzu)
Covered
Covers search operations by specialised rescue services, medical assistance at the scene, and air or sea transport from the scene to the nearest medical facility. Limit: PLN 50,000 per insured per period of insurance.
COVID-19 treatment and isolation/quarantine coverage
Covered
Sudden illness due to SARS-CoV-2 infection (and its mutations) is an insured event under KL&A. Covers necessary medical treatment costs up to the full KL&A insured sum. Additionally, hotel stay with meals during mandatory isolation or quarantine and return transport in such situations are covered, subject to a combined limit of PLN 10,000 for hotel stay and transport. Mandatory quarantine imposed on travellers crossing national borders is excluded.
Pre-existing / chronic conditions
Conditional
Chronic diseases are excluded by default. However, a standard exception applies: KL&A covers events arising from specifically listed diagnosed chronic metabolic conditions (allergy, bronchial asthma, all types of diabetes, depression, discopathy, insulin resistance, atherosclerosis, hypo/hyperthyroidism, hypertension, obesity) provided the insured was under medical supervision and followed the treating physician's recommendations. Full chronic disease cover for all conditions requires payment of an additional premium (extension: Choroba przewlekła).
Winter sports cover
Conditional
Recreational skiing and snowboarding on marked pistes are classified as recreational sports and covered in the base product. Competitive cycling (races), off-piste skiing, ski-racing and other activities classified as 'risky sports' (Sporty ryzykowne) require payment of an additional premium to be covered.
Risky/adventure sports cover (Sporty ryzykowne)
Optional
Sports classified as 'Sporty ryzykowne' (risky sports) in Annex 1 — including scuba diving (up to 30m), kayaking, kitesurfing, mountain trekking up to 5,300m, parasailing, skeleton, ski jumping, etc. — are excluded from the base product. Coverage can be extended for an additional premium.
Pregnancy complications
Conditional
Childbirth and pregnancy-related costs are excluded unless birth occurs before the 32nd week of pregnancy. Termination of pregnancy is excluded unless performed to save the life or health of the insured and permitted by the law of the country where performed.
Personal liability (OC w Życiu Prywatnym)
Covered
Covers civil liability for property damage or personal injury caused to third parties during private activities while travelling. The guarantee sum is set by the policyholder and stated in the policy document. Covers damages caused by minor children and pets, recreational sports activities, use of rented accommodation or property. Also covers the insured's own excess (up to PLN 2,000) in damage to a rented vehicle.
Legal assistance
Excluded
No separate legal assistance coverage is provided under this product. The OC in Private Life component covers the cost of an expert appraiser (up to 20% of the guarantee sum) appointed with ERGO Hestia's written consent to establish circumstances, causes or extent of damage.
24/7 Alarm Centre assistance
Covered
Round-the-clock telephone duty by the Alarm Centre (Centrum Alarmowe), which organises and coordinates all assistance services including medical transport, hospital selection, translation assistance, financial aid, document loss assistance, information services and trip interruption. The service is unlimited in availability and is included in the base KL&A benefit.
Key conditions
Assistance call deadline
The insured must notify ERGO Hestia of the event immediately after it occurs or after learning of it. Before incurring medical costs exceeding PLN 2,000 (gross), the insured must inform ERGO Hestia. The Alarm Centre must be contacted to organise assistance services; if services are arranged without the Alarm Centre's involvement (except where impossible), reimbursement may be limited.
Unauthorized treatment
If the insured refuses medically-approved transport back to Poland or the country of residence despite approval by the Alarm Centre and the treating physician, ERGO Hestia reimburses only the costs of services and benefits incurred up to that point. Failure to follow the treating physician's or Alarm Centre's recommendations is an exclusion ground.
Purchase while abroad
The policy must be concluded before departure. Coverage cannot start on the same day as policy conclusion — the earliest coverage start date is the next calendar day after the policy is purchased. The contract cannot be concluded with the intent to cover an already-started trip.
Chronic conditions
Chronic diseases (defined as conditions treated on a continuous or periodic basis within 12 months before policy conclusion) are excluded by default. Exception: KL&A covers events arising from listed diagnosed conditions (allergy, bronchial asthma, all types of diabetes, depression, discopathy, insulin resistance, atherosclerosis, hyperthyroidism, hypothyroidism, hypertension, obesity) if the insured was under medical supervision and followed the treating physician's recommendations. Full chronic disease cover requires optional premium extension.
Pregnancy
Childbirth and pregnancy-related costs are excluded unless birth occurs before the 32nd week of pregnancy. Termination of pregnancy is excluded unless performed to save the life or health of the insured person and permitted by the law of the country where the procedure is performed.
Pre-existing condition exclusions
Coverage is not available if, on medical grounds established by a doctor before departure, there were contraindications to travelling abroad, or if it was necessary to undergo surgery or hospital treatment before the trip and the insured was informed of this by a doctor. Coverage is also excluded if the purpose of the trip was treatment or continuation of treatment begun before departure.
Coverage duration limit
The policy is concluded for a period of up to 12 months or a shorter period. Cover automatically extends by 48 hours (without additional premium) if the insured's return to Poland or country of residence is delayed due to: breakdown or accident of means of transport; cancellation or delay of public transport due to bad weather; or a random event. Terrorism cover is limited to 7 days from the date of the terrorist act.
Where to buy
Policy specifics
COVID-19 isolation and quarantine coverage
Protection covering medical costs and accommodation during mandatory COVID-19 quarantine or isolation as part of medical costs and assistance benefit
Accompanying person transport and accommodation
Assistance coverage for costs of transport and accommodation for a person accompanying the insured if medical condition requires it
Childcare and dependent person care
Assistance benefit covering organization and costs of care for minor children or incapacitated persons left without adult supervision during trip or in home country
Pet care during travel
Assistance coverage for costs of care for pets accompanying the insured person left without supervision during travel
Travel delay extension (48 hours)
Automatic 48-hour extension of coverage without additional premium if return to Poland or country of residence is delayed due to medical reasons
Medical transport and trip continuation
Coverage for emergency medical transport costs and services necessary to enable insured to return to Poland, home country, or continue planned trip
Medical cost limitation in case of terrorism
Medical costs coverage sum limited to 50% of policy limit if event occurs within 7 days following terrorist act
Excluded countries per MFA travel warnings
No coverage in countries against which Polish Ministry of Foreign Affairs issues official travel advisory warnings
Maximum insured persons per policy
Single policy covers maximum 10 insured persons; additional policies must be purchased for larger groups
Coverage starts on day following policy conclusion
Insurance protection cannot commence on the same day policy is purchased; earliest coverage start is next calendar day
Foreign travel only (no domestic coverage)
Insurance provides protection exclusively during international travel outside Poland; no coverage for domestic travel