Colonnade Travel insurance (Komplexne Cestovne Poistenie)
Underwritten by Colonnade Insurance S.A. · Slovakia
travel insurance from Colonnade for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2026-01-01Sources
Key facts
- Personal liability up to €50,000 – €200,000
Unique selling points
The Platinum tier covers medical expenses abroad up to EUR 10,000,000 per policy.
Direct billing with hospitals abroad means insured travellers often don't have to pay medical bills upfront.
An interest-free emergency loan of up to EUR 1,000 is available if the insured is left without funds due to theft or robbery of their luggage.
Cover is available to travellers of any age, with no upper age limit on the base policy.
A broad set of optional add-ons - manual work abroad, extreme sports, pets, roadside assistance and rental-car excess - lets travellers fully tailor the policy to their trip.
Coverage limits
Medical expenses (overall limit)
€50K – €10M
Overall limit for treatment abroad due to illness or injury: Silver 50,000 €, Gold 200,000 €, Platinum 10,000,000 € (capped at 10 million EUR per policy).
Emergency medical treatment
€50K – €10M
Ambulatory or hospital treatment including prescribed medicines/aids is included in all tiers, drawn from the overall medical-expenses limit (50,000/200,000/10,000,000 € by tier).
Hospitalization
€50K – €10M
Hospitalization for the necessary duration (standard room or ICU if medically required) is included in all tiers, drawn from the overall medical-expenses limit.
Outpatient treatment
€50K – €10M
Outpatient treatment abroad is included in all tiers, drawn from the overall medical-expenses limit.
Emergency dental treatment
€400
Treatment by a dentist for acute pain (simple filling, extraction, simple repair of dentures/braces) up to 400 € - same limit for Silver, Gold and Platinum.
Transport to/from medical facility
Covered
Transport of the insured to the nearest medical facility and back to their place of stay is included in all tiers, within the overall medical-expenses limit; no separate sub-limit is stated.
Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.1 Poistenie liečebných nákladov vrátane asistenčných služieb > A. LIEČEBNÉ NÁKLADY
Prepravu poisteného do zdravotníckeho zariadenia najbližšieho k miestu jeho pobytu v zahraničí, dopravu zo zdravotníckeho zariadenia späť do jeho miesta pobytu v zahraničí, ak poistený nemôže z objektívnych dôvodov použiť verejnú dopravu.
Air ambulance / medical evacuation
Covered
Repatriation or transport to a medical facility by air ambulance, scheduled airline or other suitable means, if needed with a medical team, is included as an assistance service in all tiers; no separate euro sub-limit is stated.
Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.1 Poistenie liečebných nákladov vrátane asistenčných služieb > B. ASISTENČNÉ SLUŽBY
Repatriácia alebo preprava do lekárskeho zariadenia leteckou záchrannou službou, alebo pravidelnou leteckou spoločnosťou alebo inými vhodnými prostriedkami podľa okolností prípadu a prípadne s účasťou plne vybaveného lekárskeho tímu.
Repatriation of remains
Covered
In case of death, repatriation of remains (or cremation costs abroad if lower) to Slovakia, or to the insured's country of permanent residence up to the cost of repatriation to Slovakia, is included in all tiers within the overall medical-expenses limit.
Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.1 Poistenie liečebných nákladov vrátane asistenčných služieb > A. LIEČEBNÉ NÁKLADY
V prípade smrti poisteného repatriáciu (prevoz) telesných pozostatkov (vrátane spopolnených pozostatkov) na Slovensko alebo náklady na kremáciu v zahraničí, pokiaľ neprevýšia náklady na prevoz pozostatkov.
Search and rescue at sea or in the mountains
Covered
If the insured goes missing abroad, the assistance company coordinates search-and-rescue with local emergency services and organizes transport to the nearest medical facility; included in all tiers with no separate euro sub-limit stated.
Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.1 Poistenie liečebných nákladov vrátane asistenčných služieb > B. ASISTENČNÉ SLUŽBY
Ak je poistený v zahraničí nezvestný alebo v bezprostrednom ohrození zdravia a života, má poistník alebo blízka osoba poisteného právo obrátiť sa na asistenčnú spoločnosť a požiadať o pomoc s hľadaním a vyslobodzovaním poisteného v tiesni.
COVID-19 treatment and mandatory quarantine
€1K – €3K
Treatment costs for COVID-19 are covered like any other illness under the overall medical-expenses limit. Additionally, accommodation/food costs during officially ordered mandatory quarantine are separately capped at 1,000 € (Silver), 2,000 € (Gold) or 3,000 € (Platinum), max. 14 days.
Pre-existing conditions / stabilized chronic illness
Conditional
Health conditions that existed before the policy was concluded are generally excluded, except a 'stabilized chronic condition' (no medication change, hospitalization or acute treatment in the 9 months before the policy start), which is covered under the overall medical-expenses limit.
Section: 6. ČO JE Z POISTENIA VYLÚČENÉ?
súvisiace so zdravotným stavom, úrazom alebo chorobou, ktoré existovali pred uzatvorením tohto poistenia, s výnimkou stabilizovaného chronického ochorenia poisteného alebo spolucestujúceho;
Winter sports cover
€250
Optional add-on covering medical expenses, assistance, permanent disability/death from accident and liability while practising winter sports, plus reimbursement of an unused ski pass (up to 20 €/day, max. 250 €, same across tiers), piste-closure compensation and ski-equipment rental costs. Available only to persons under 70 at policy start.
Extreme and risky sports cover
Optional
Optional add-on extending medical expenses, assistance, permanent disability/death from accident, cover for unused services if the trip is cut short for health reasons, and rental of replacement sports equipment to extreme/risky sports as classified by the insurer. Available only to persons under 70 at policy start; specific sports excluded from any cover are separately listed.
Section: 4.2 VOLITEĽNÉ POISTNÉ KRYTIE > 4.2.7 Poistenie extrémnych a rizikových športov
Toto poistenie kryje nasledovné riziká, ku ktorým dôjde pri výkone extrémnych a rizikových športov a) liečebné náklady vrátane asistenčných služieb; b) trvalé následky úrazu alebo smrť následkom úrazu; c) zodpovednosť za škodu na zdraví alebo majetku osôb, ktoré poistený spôsobí pri výkone extrémnych a rizikových športov.
Pregnancy complications
Conditional
Pregnancy complications occurring up to the 26th week are treated as an illness and covered under the medical-expenses limit; complications arising after the 26th week, including childbirth, are excluded.
Section: 6. ČO JE Z POISTENIA VYLÚČENÉ?
v dôsledku komplikácií v tehotenstve, ktoré vzniknú po 26. týždni tehotenstva, vrátane pôrodu;
Personal liability
€50K – €200K
Covers legally-required compensation for bodily injury or property damage caused to third parties while travelling: bodily injury 50,000/100,000/200,000 € and property damage 50,000/100,000/200,000 € by tier (Silver/Gold/Platinum).
Legal assistance
€3K – €10K
The assistance company organizes and pays for legal services (e.g. legal representation) for civil-liability matters abroad, up to 3,000 € (Silver), 5,000 € (Gold) or 10,000 € (Platinum).
24/7 multilingual assistance line
Covered
Emergency phone lines staffed 24 hours a day, 365 days a year, by multilingual assistance coordinators experienced with hospital procedures worldwide; included in all tiers, with no separate monetary limit (it is a service, not a cash benefit).
Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.1 Poistenie liečebných nákladov vrátane asistenčných služieb > B. ASISTENČNÉ SLUŽBY
24 hodinová služba Núdzové telefónne linky obsluhované 24 hodín denne, 365 dní v roku, viacjazyčnými asistenčnými koordinátormi, ktorí majú skúsenosti s postupmi nemocníc a kliník po celom svete.
Key conditions
Assistance call deadline
The insured must immediately contact the 24/7 assistance line for any outpatient treatment exceeding EUR 200, hospitalization, transport, repatriation of remains, or arranging a companion, and must obtain its consent.
Unauthorized treatment
The insurer may reasonably reduce or refuse the claim if the insured does not contact the assistance service or does not follow its instructions when required to do so.
Purchase while abroad
The policy must normally be concluded before departure and at the latest before crossing the Slovak state border; taking out the policy after the trip has already started requires the insurer's prior consent.
Chronic conditions
Claims connected with a health condition, injury or illness that existed before the policy was concluded are excluded, except for a stabilized chronic condition of the insured or fellow traveller.
Pregnancy
Complications arising after the 26th week of pregnancy, including childbirth, are excluded. Medically indicated termination of pregnancy is covered subject to specific gestational-week limits (12 weeks for health reasons, 24 weeks for genetic reasons, no limit if the mother's life is at risk).
Pre-existing condition exclusions
Pre-existing health conditions are excluded unless they qualify as a stabilized chronic condition, i.e. no medication change, hospitalization or acute treatment was needed in the 9 months before the policy start and there were no signs of deterioration.
Coverage duration limit
This single-trip product does not itself impose a maximum trip length; Colonnade recommends it for travellers making 1-2 trips a year, and recommends its separate annual policy (with a 120-day per-trip cap) for more frequent travellers.
Direct payment
Colonnade's assistance company can settle bills directly with the treating hospital abroad when the insured is unable to pay for treatment themselves.
Territorial scope
Coverage always excludes the insured's country of permanent residence and the country where the insured pays statutory health insurance; the trip-cancellation cover applies worldwide including the home country.
Documents
General Terms and Conditions - Komplexné cestovné poistenie (VPP KCP 01/2026, current) (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions - Komplexné cestovné poistenie (VPP KCP 22/05, superseded) (opens in a new tab)
Terms & conditions · PDF
Coverage summary table - Komplexné cestovné poistenie (effective 01.01.2026) (opens in a new tab)
Table of benefits · PDF
IPID - Komplexné cestovné poistenie (travel insurance information document) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Trip cancellation insurance
Optional coverage that reimburses non-refundable trip costs if insured must cancel before departure
SourcePage 3Section: 1. Sprievodca poistením
Poistenie stornopoplatkov sa dojednáva pre prípad zrušenia cesty alebo služby pred jej začiatkom alebo pre prípad skrátenia už začatej cesty/služby z náhlych a nepredvídaných dôvodov, ktoré poistený nemôže ovplyvniť.
Household insurance during trip
Coverage for damage/theft to home property while insured is traveling abroad; included in Gold and Platinum tiers
SourceSection: O produkte
Poistenie domácnosti počas cesty
Accident insurance
Coverage for accidental injury with permanent consequences or death during travel
SourceClause 4.1.2Page 13Section: 4. AKÉ POISTNÉ KRYTIA SI MÔŽETE DOJEDNAŤ? > 4.1.2 Úrazové poistenie
Ak počas cesty utrpí poistený úraz s následkom trvalého telesného poškodenia, poskytneme mu poistné plnenie vo výške percenta z dohodnutej poistnej sumy uvedenej v poistnej zmluve, podľa Oceňovacej tabuľky trvalých následkov úrazu.
Trip shortening insurance
Coverage for costs if insured must cut trip short due to covered event; included in Gold and Platinum
SourceSection: O produkte
Poistenie skrátenia a zrušenia cesty
Robbery/cash theft insurance
Coverage for stolen cash and robbery of insured; included in Gold and Platinum tiers
SourceSection: O produkte
Poistenie lúpeže a krádeže finančnej hotovosti
Car assistance
New optional add-on (introduced in VPP KCP 01/2026) covering roadside assistance, towing, repair-period accommodation, replacement vehicle, tyre service, vehicle storage and transport of an immobilized vehicle back home, while travelling within Europe outside Slovakia.
SourceClause 4.2.4Page 24Section: 4.2 VOLITEĽNÉ POISTNÉ KRYTIE > 4.2.4 Poistenie autoasistencie
Asistenčné služby sa vzťahujú na pomoc v núdzi počas cesty vozidlom uvedeným v poistnej zmluve na území geografickej oblasti Európy okrem Slovenskej republiky a krajiny, v ktorej si poistený platí povinné zdravotné poistenie.
Rental car deductible/excess insurance
New optional add-on (introduced in VPP KCP 01/2026) covering the deductible/excess payable under the rental agreement for damage to a single rented vehicle (up to 3.5 t, max. 9 seats) abroad, e.g. from accident, theft, broken glass, or collision with a cyclist/animal.
SourceClause 4.2.9Page 30Section: 4.2 VOLITEĽNÉ POISTNÉ KRYTIE > 4.2.9 Poistenie spoluúčasti na požičanom vozidle
Poistenie sa vzťahuje len na jedno osobné vozidlo s celkovou hmotnosťou do 3,5 tony, určené na prepravu maximálne 9 osôb, ktoré je prenajaté v zahraničí na základe písomnej zmluvy o prenájme medzi autopožičovňou a poisteným.
Territorial scope options
Insurance available for Europe, worldwide except selected countries, or limited regions
SourceClause 3.4Page 6Section: 3. DÔLEŽITÉ INFORMÁCIE > 3.4 Ako si správne zvoliť územnú platnosť poistenia?
Poistenie platí pre oblasť, pre ktorú bolo dojednané. Máte na výber z troch možností.
Coverage waiting period for foreigners
If insured is outside home country at time of contract conclusion, coverage does not begin before 3 days after contract signing or premium payment
SourceExtreme and risky sports coverage
Optional add-on coverage for extreme/risky sports; only available for persons under 70 years old at policy start
SourceClause 3.2Page 6Section: 3. DÔLEŽITÉ INFORMÁCIE > 3.2 Kto sa môže u nás poistiť?
Ak si však budete chcieť pripoistiť Extrémne a rizikové športy alebo Manuálnu prácu, je to možné, ak ste v deň začiatku poistenia mladší ako 70 rokov.
Manual work coverage
Optional add-on if insured intends to perform manual work abroad; age-restricted (under 70 at policy start)
SourceClause 3.2Page 6Section: 3. DÔLEŽITÉ INFORMÁCIE > 3.2 Kto sa môže u nás poistiť?
Ak si však budete chcieť pripoistiť Extrémne a rizikové športy alebo Manuálnu prácu, je to možné, ak ste v deň začiatku poistenia mladší ako 70 rokov.
Pre-existing health conditions exclusion
Insurance does not cover conditions with reasonable origin before policy conclusion or known medical states
SourceClause 6.1 d)Page 34Section: 6. ČO JE Z POISTENIA VYLÚČENÉ?
súvisiace so zdravotným stavom, úrazom alebo chorobou, ktoré existovali pred uzatvorením tohto poistenia, s výnimkou stabilizovaného chronického ochorenia poisteného alebo spolucestujúceho;
Foreign ministry travel advisory compliance
Insurance does not cover claims arising from travel contrary to official travel warnings/advisories
SourceClause 6.1 b)Page 34Section: 6. ČO JE Z POISTENIA VYLÚČENÉ?
ak vznikli v dôsledku vycestovania v rozpore s odporúčaním MZVEZ SR z iného dôvodu ako COVID-19, ktoré vydalo odporúčanie necestovať alebo v rozpore s podmienkami vstupu zverejnenými v čase vycestovania na oficiálnej stránke vašej cieľovej destinácie.
Intoxication exclusion
No coverage for claims resulting from intoxication above legal alcohol limit or use of toxic/narcotic substances
SourceClause 6.1 k)Page 34Section: 6. ČO JE Z POISTENIA VYLÚČENÉ?
ak vznikli v dôsledku požitia alkoholu, ak hladina alkoholu je vyššia ako 0,8 promile a/alebo inej toxickej/omamnej/psychotropnej látky alebo liekov, ktoré neboli predpísané lekárom.
Annual trip maximum duration
For annual (year-round) insurance, individual trips cannot exceed 120 days
SourceSection: Často kladené otázky
Celoročné cestovné poistenie je určené na neobmedzený počet ciest do zahraničia, pričom jedna cesta môže trvať maximálne 120 dní.
Sources
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/b7d7913a-b4ab-4d75-ade2-9ff51f69b097/Poistenie%20stornopoplatkov.pdf#page=3(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=10(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=11(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=13(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=24(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=28(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=30(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=34(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=6(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovn%C3%A9%20poistenie%20VPP%20KCP%2001_2026.pdf#page=9(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/cdn/65b2eb68-cf8e-0106-94e7-7fcbfbaa6c5e/ba3bbe0c-81fc-4327-869e-8a023ce27026/Komplexn%C3%A9%20cestovné%20poistenie%20VPP%20KCP%2001_2026.pdf#page=34(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/pre-jednotlivcov/cestovne-poistenie/celorocne(opens in a new tab)
- colonnade.skhttps://www.colonnade.sk/pre-jednotlivcov/cestovne-poistenie/kratkodobe(opens in a new tab)
Colonnade Travel insurance