Travel insurance
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| Feature / category | Allianz May 21, 2026 Open details | ČSOB May 21, 2026 Open details | Generali May 21, 2026 Open details | ProTravel May 21, 2026 Open details |
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| Overview | ||||
Insurer | Allianz - Slovenská poisťovňa, a.s. | ČSOB Poisťovňa, a. s. | Generali Poisťovňa, branch of an insurance company from another member state | KOMUNÁLNA poisťovňa, a.s. Vienna Insurance Group |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | per_trip | per_trip | per_trip | per_trip |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Medical expenses | Covered | €300,000 | €200,000 | Up to 250,000 EUR (up to 100,000 EUR for epidemic/pandemic; up to 50,000 EUR for terrorist attack) |
Medical transport | Covered | unlimited | €200,000 | Covered under medical expenses; includes transport to nearest medical facility and transport back to Slovakia if insured cannot use original means of transport for health reasons |
COVID-19 treatment | Covered | Based on a public commitment by ČSOB Poisťovňa, medical expenses related to COVID-19 illness are covered up to 100,000 EUR in all countries regardless of their risk classification, for both existing and new clients until 31 December 2024 or until further notice. Costs of accommodation or return travel in case of ordered quarantine are also covered. | Excluded | Up to 100,000 EUR (covered as epidemic/pandemic under medical expenses) |
Personal liability | €200,000 | Optional | €50,000 | Body injury: up to 100,000 EUR; property damage: up to 50,000 EUR (optional add-on for short-term; included in annual packages) |
Emergency dental | €335 | €200 | €150 | Covered with a lower sub-limit under medical expenses; exact sub-limit not publicly disclosed — requires review of policy terms (VPP ProTravel-KZ) |
Search & rescue | Optional | Optional | €7,000 | Up to 20,000 EUR; covers search, rescue and transport after accidents in mountains, at sea, in crashed vehicles or collapsed structures |
Legal assistance | €1,200 | Optional | €800 | Available as optional add-on; covers legal representation costs and bail bond (kaucia); exact limit not publicly disclosed — requires review of policy terms (VPP ProTravel-KZ) |
Emergency medical treatment | Covered | €300,000 | €200,000 | Covered under medical expenses up to 250,000 EUR; covers urgent medical care provided in public or private health facilities in Europe or worldwide |
Hospitalization | €1,200 | €300,000 | €200,000 | Covered under medical expenses limit (up to 250,000 EUR); includes medical procedures and medically justified ancillary costs until insured can be transported back to Slovakia |
Outpatient treatment | Covered | €300,000 | €200,000 | Covered under medical expenses limit (up to 250,000 EUR); includes outpatient medical treatment and prescribed medications |
Medical evacuation | Covered | unlimited | €200,000 | Covered under medical expenses limit (up to 250,000 EUR); includes evacuation and transport costs including in cases of epidemic or pandemic |
Repatriation of remains | Covered | unlimited | €200,000 | Covered with a lower sub-limit under medical expenses; exact sub-limit not publicly disclosed — requires review of policy terms (VPP ProTravel-KZ) |
Pre existing conditions | Conditions existing at the time of policy conclusion that required hospitalisation or worsened during the immediately preceding 12 months are not covered for standard treatment; only acute emergency treatment and medical interventions necessary to prevent immediate threat to life or health are reimbursed. Conditions known before the trip but not hospitalisation-related are excluded if travel is medically not recommended (VPP Art. 20d, 20e). | Excluded | Excluded | Excluded |
Winter sports cover | Optional | Covered | Recreational winter sports (downhill and cross-country skiing, snowboarding, sledging, bobsleigh) are covered under the base product (vacation type). Risk Group 1 sports including ski touring and skialpinism on designated trails, moguls, etc. are also covered recreationally. Professional sports, competition participation and training require the 'Sport' extension endorsement to be activated. Group 2 risk sports (e.g. heliskiing, off-piste freeride, skijumping, ski extremes) are not insured at all. | Optional |
Adventure sports cover | Optional | Optional | Group 1 risk sports (including canyoning, rafting, wakeboarding, horolezectvo up to 4,000m, sky tours on designated trails, horseback riding, paintball, etc.) are covered recreationally without additional endorsement. With the 'Sport' extension activated in the policy, Group 1 risk sports in competition/training context are also insured (for non-professional athletes). Group 2 risk sports (base jump, box, kick-box, heliskiing, kitesurfing, paragliding, motorised sports, off-trail skiing, etc.) are never insured. | Optional |
Pregnancy complications | Costs arising from risky pregnancy indicated by a doctor before the insured trip start are excluded (VPP Art. 20g). Costs arising from intentional termination of pregnancy are excluded (Art. 20h). Costs from pregnancy after the 26th week including childbirth and its complications are excluded (Art. 20i). Only acute emergency treatment of pregnancy-related conditions not falling under these exclusions may be covered. | Medical expenses coverage applies to pregnancy complications only up to the end of the 26th week of pregnancy. Complications after the 26th week of pregnancy, childbirth, investigations to determine pregnancy, abortion (except medically indicated), infertility treatment, and artificial insemination are all explicitly excluded. | Excluded | Coverage for pregnancy complications may be included where the event is sudden and unexpected and requires immediate medical attention. Routine check-ups and planned procedures related to pregnancy are not covered. Exact conditions are set in the VPP CKZ-1 and the insurance contract. |
| Key conditions | ||||
Assistance call deadline | Upon hospitalisation, the insured must present proof of insurance and contact the assistance company without undue delay (VPP Art. 21 písm. a)). After returning to SR, the insured must submit documents for outpatient care paid on site in cash immediately upon return (VPP Art. 21 písm. c)). | The insured must contact the assistance service (+421 2 4445 0050) immediately upon the occurrence of any insured event (illness, injury, or loss) requiring medical care abroad, or as soon as circumstances permit. If objective conditions do not allow contact before receiving treatment, the insured must contact the assistance service as soon as conditions allow. Failure to contact the assistance service may result in a reduced or fully denied claim. | In the event of an insurable event, the insured is obliged to immediately contact the insurer or assistance company by telephone and request approval for: complex or repeated outpatient procedures; payments exceeding 300 EUR; hospitalisation; insurable events on trips outside Europe; and arrangements for transport back to Slovakia. Exceptions are unforeseeable emergency outpatient treatments or medical aid required to avert an acute life- or health-threatening danger. | The insured must immediately (without undue delay) notify the assistance service GLOBAL ASSISTANCE SLOVAKIA by phone at +421 2 68 20 20 60 upon any insured event occurring abroad. Failure to comply may result in a proportional reduction of the insurance benefit. |
Purchase while abroad | If the insured is not in SR at the time of concluding the policy (or at the time of preparation of the proposal in case of distance contracts), insurance does not start before 6 days from the date of conclusion. This 6-day waiting period does not apply if the new policy immediately follows another travel insurance with the same insurer (VPP Art. 4 ods. 4, Art. 5 ods. 6). | Short-term travel insurance can only be concluded while the insured is in Slovakia. Purchase from abroad is permitted only if the new policy directly and continuously follows a prior travel insurance policy with the same insurer, i.e. to extend existing coverage without a gap. | If the insured was not located on the territory of the Slovak Republic at the time the policy was concluded (or is unable to prove this) and the new insurance does not directly follow the expiry of a previous policy with the insurer, the insurance cover commences at the earliest on the 6th day after the date of conclusion of the new insurance contract. | The insurance contract takes effect on the date and time (Central European Time) agreed in the contract as the start of coverage. The start of coverage must not precede the moment of conclusion of the insurance contract. Purchase while already abroad is therefore only possible if the new contract immediately follows a previously valid travel insurance contract. |
Chronic conditions | Treatment of chronic or pre-existing conditions (including post-injury states) that existed at policy conclusion and required hospitalisation or worsened during the preceding 12 months is excluded; only costs for acute emergency treatment and interventions strictly necessary to prevent immediate risk to life or health are covered (VPP Art. 20 písm. e)). | Chronic disease is defined as a condition that existed before departure and which, during the preceding 12 months, required hospitalisation, worsened, or caused a material change in medication. Treatment of chronic diseases meeting this definition is excluded from medical expenses coverage. Acute exacerbation of a stable chronic condition may be covered if the condition was stable and did not meet the exclusion criteria. | A chronic disease is defined as a condition that existed at the time of policy conclusion and, in the preceding 12 months, required hospitalisation, was worsening, or caused material changes in medication. The insurer is not obliged to pay costs arising from treatment of chronic or other conditions that in the preceding 12 months required hospitalisation, had a progressive character, required changes in treatment or medication, or were recurrent in nature. | Chronic or pre-existing conditions are not covered under the standard policy. Only sudden, unexpected illnesses or injuries that require immediate medical treatment to prevent endangering the life and health of the insured are covered. Preventive examinations and vaccinations are explicitly excluded. |
Pregnancy | Pregnancy-related costs after the 26th week of pregnancy (including childbirth and complications) are excluded (VPP Art. 20 písm. i)). Risky pregnancy indicated by a physician before the insured trip is excluded (Art. 20 písm. g)). Only acute emergency treatment of non-excluded pregnancy conditions may be covered. | Medical expenses coverage applies to pregnancy complications only up to the end of the 26th week of pregnancy. After the 26th week, all pregnancy-related costs including childbirth, complications, and emergency delivery are excluded. Pregnancy complications up to the 26th week may also be covered under trip cancellation add-on insurance (storno poplatkov) if hospitalisation is required. | Medical expenses coverage explicitly excludes: investigations (including laboratory and ultrasound) for the determination of pregnancy; any complication in connection with pregnancy after the 24th week including childbirth; examination and treatment of infertility; IVF; and cytology. For travel cancellation insurance, pregnancy discovered only after reservation of the trip is a covered cancellation reason. If pregnancy was known at the time of reservation, cancellation is only covered in the event of severe medically certified complications. | Routine pregnancy check-ups and planned pregnancy-related procedures are not covered. Sudden, unexpected complications of pregnancy that require immediate medical treatment may be covered under the medical expenses insurance, subject to the conditions of VPP CKZ-1. |
Unauthorized treatment | Costs incurred without prior approval of the insurer/assistance company are not covered, except for emergency outpatient care, urgent treatment immediately threatening life or basic vital functions, and measures to eliminate acute pain (VPP Art. 20 písm. b)). If the insured refuses medically feasible repatriation, subsequent treatment and repatriation costs are not covered (VPP Art. 19 ods. 5). | If the insured obtains medical treatment without prior authorisation from the assistance service when such authorisation was possible, or if the insured refuses medically possible repatriation, the insurer is entitled to reduce or deny the claim. Treatment costs incurred abroad after the insurer approves continued treatment in lieu of repatriation are capped at the estimated repatriation cost. | If the insured fails to follow the instructions of the insurer or its foreign representative (assistance company), the insurer has the right to reduce or refuse insurance benefit. Costs arising from non-compliance with the insured's obligations (e.g. obtaining treatment without prior approval where required) need not be reimbursed by the insurer. The insurer is not obliged to reimburse the difference between inflated and reasonable costs if the elevated costs resulted from a breach of obligations. | Medical treatment or procedures that are not medically urgent and necessary are explicitly excluded from coverage. If the insured undergoes treatment without prior authorisation from the assistance service, the insurer may reduce or deny the benefit proportionally to the severity of the breach. |
Pre existing conditions | Conditions known before the policy start requiring hospitalisation in the prior 12 months or worsening are excluded from standard treatment; only acute emergency treatment strictly necessary to prevent immediate risk to life or health is covered. Treatment of acute diseases persisting at the start of the insured trip where a physician recommends against travel is also excluded (VPP Art. 20 písm. d), e)). | Treatment of any illness or injury that existed at the time the policy was concluded is excluded. Additionally, treatment of chronic or other conditions that, in the 12 months before departure, required hospitalisation, had a progressive character, or required changes in treatment or medication is excluded. Conditions that were stable and did not require any of the above in the past 12 months may be covered if an acute event arises during the trip. | The insurer is not obliged to pay costs of medical care related to an injury or illness that existed, was or could have been identified or was apparent before the commencement of the policy. This includes conditions that were the subject of ongoing treatment, hospitalisation, or medication changes in the 12 months preceding the trip. Medical care whose primary purpose was travel (medical tourism) is also excluded. | Pre-existing conditions and chronic diseases are not covered. The insurance covers only sudden and unexpected events requiring immediate medical treatment abroad. Medical acts, treatments or vaccinations that are not medically urgent and necessary from a medical point of view are excluded. |
Coverage duration limit | For short-term insurance (tariffs 1I5, 2I5, 3I5, etc.): maximum 90 days from policy start. For annual insurance: applies to first 90 days of each individual trip commenced during the policy period (for standard annual tariffs 1RR5, 2RR5, 4RR5, etc.). The insurer automatically extends the end of cover if the insured is hospitalised abroad during the policy period and hospitalisation exceeds the agreed policy end date (max. 3 calendar days after hospitalisation end), or if extraordinary circumstances prevent return before policy end date (up to 24:00 the day after the policy end) (VPP Art. 8 ods. 10, OPP Art. 4). | Short-term travel insurance is concluded for a specific number of days, up to a maximum of one year (365 or 366 days). If the insured is hospitalised due to an insured event and cannot return to Slovakia by the end of the policy period, the insurer automatically extends the coverage by up to 3 calendar days immediately following the day the insured is discharged from hospital. | Short-term travel insurance covers a single trip of 1 to 365 consecutive days (366 days in a leap year). The indefinite-term (annual) policy covers the first 45 days of each trip abroad; trips exceeding 45 days can be extended with a short-term policy, but total coverage may not exceed 365 days of stay abroad. For truck/bus drivers, coverage applies to the first 90 days of each trip and cannot be extended. | The short-term travel insurance ProTravel-KZ can be concluded online for a maximum of 90 days per trip. Persons who reach the age of 70 before the start of insurance may only conclude travel insurance for a maximum period of 90 days; coverage ends no later than at 24:00 Central European Time on the 90th day of the insurance period. |
| Proof and next steps | ||||
Direct payment policy | The insurer, through its assistance company, provides payment guarantees directly to medical facilities and organises repatriation; costs incurred without prior insurer/assistance approval are reimbursed only for emergency outpatient care and urgent treatment immediately threatening life or acute pain relief. | The assistance service (available 24/7 at +421 2 4445 0050) arranges and pays costs directly to foreign medical facilities where possible; the insurer may also provide a payment guarantee to the treating medical institution; if the insured pays out of pocket, reimbursement is made after return to Slovakia on submission of originals. | Assistance company (Europ Assistance, s.r.o.) can arrange direct payment of medical costs at recommended healthcare facilities worldwide, so the insured does not need to use own cash or credit card; for hospitalisations exceeding 300 EUR or outside Europe, prior approval of the insurer or assistance company is required. | The insurer coordinates care through GLOBAL ASSISTANCE SLOVAKIA. In most cases, the assistance service arranges direct payment to the medical facility. The insured must contact the assistance line immediately upon any insured event; failure to do so may result in reduced or denied benefits. |
Last verified | May 21, 2026 | May 21, 2026 | May 21, 2026 | May 21, 2026 |