Reviewed from source documents

Colonnade Insurance S.A., branch of an insurance company from another Member State

Colonnade

Colonnade is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.

Last verified Aug 26, 2026Reviewed by: Boleron EUTerms & conditions: 2026-01-01Underwritten by: Colonnade Insurance S.A.
Online purchase24/7 helpline

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.

Geographic scope

Selectable territorial scope: Europe (plus Algeria, Egypt, Canary Islands, Morocco, Russian Federation, Tunisia, Turkey), Worldwide excluding the USA, Canada and listed Caribbean countries, or Worldwide including all countries

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.

Unique selling points

  • The Platinum tier covers medical expenses abroad up to EUR 10,000,000 per policy, far above typical market minimums.
  • 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)

€50,000 – €10,000,000

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).

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Emergency medical treatment

€50,000 – €10,000,000

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).

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Hospitalization

€50,000 – €10,000,000

Hospitalization for the necessary duration (standard room or ICU if medically required) is included in all tiers, drawn from the overall medical-expenses limit.

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Outpatient treatment

€50,000 – €10,000,000

Outpatient treatment abroad is included in all tiers, drawn from the overall medical-expenses limit.

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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.

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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.

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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.

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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.

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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.

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COVID-19 treatment and mandatory quarantine

€1,000 – €3,000

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.

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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.

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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.

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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.

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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.

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Personal liability

€50,000 – €200,000

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).

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Legal assistance

€3,000 – €10,000

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).

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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).

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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.

Where to buy

Buy short-term (single-trip) travel insurance online

Documents

General Terms and Conditions - Komplexné cestovné poistenie (VPP KCP 01/2026, current)

Terms & conditions

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General Terms and Conditions - Komplexné cestovné poistenie (VPP KCP 22/05, superseded)

Terms & conditions

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Coverage summary table - Komplexné cestovné poistenie (effective 01.01.2026)

Table of benefits

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IPID - Komplexné cestovné poistenie (travel insurance information document)

IPID

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Policy specifics

Trip cancellation insurance

Optional coverage that reimburses non-refundable trip costs if insured must cancel before departure

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Household insurance during trip

Coverage for damage/theft to home property while insured is traveling abroad; included in Gold and Platinum tiers

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Accident insurance

Coverage for accidental injury with permanent consequences or death during travel

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Trip shortening insurance

Coverage for costs if insured must cut trip short due to covered event; included in Gold and Platinum

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Robbery/cash theft insurance

Coverage for stolen cash and robbery of insured; included in Gold and Platinum tiers

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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.

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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.

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Territorial scope options

Insurance available for Europe, worldwide except selected countries, or limited regions

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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

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Extreme and risky sports coverage

Optional add-on coverage for extreme/risky sports; only available for persons under 70 years old at policy start

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Manual work coverage

Optional add-on if insured intends to perform manual work abroad; age-restricted (under 70 at policy start)

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Pre-existing health conditions exclusion

Insurance does not cover conditions with reasonable origin before policy conclusion or known medical states

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Foreign ministry travel advisory compliance

Insurance does not cover claims arising from travel contrary to official travel warnings/advisories

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Intoxication exclusion

No coverage for claims resulting from intoxication above legal alcohol limit or use of toxic/narcotic substances

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Annual trip maximum duration

For annual (year-round) insurance, individual trips cannot exceed 120 days

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