Generali Poisťovňa, branch of an insurance company from another Member State, user of the trademark Európska cestovná poisťovňa
Európska cestovná poisťovňa
Európska cestovná poisťovňa is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
The insurer directly guarantees payment to the foreign hospital up to EUR 15,000 (increased if necessary up to the agreed sum insured) rather than requiring the insured to pay upfront, and organizes/pays for medical transport and repatriation directly.
Geographic scope
Worldwide, except sanctioned/embargoed countries
Covers events occurring anywhere in the world except countries under full embargo (Belarus, Iran, North Korea, Cuba, Russia, Syria, Venezuela, Crimea, and the Donetsk, Kherson, Luhansk and Zaporizhzhia regions); medical treatment coverage abroad does not apply in Slovakia or in the insured's country of residence, and Article 55 assistance services are not provided in Slovakia.
Unique selling points
- The full sum insured resets for every new trip during the policy year, so it is not depleted across the year even after a claim.
- One annual purchase provides worldwide cover for an unlimited number of trips throughout the year.
- No deductible applies on trip cancellation claims in the PLUS and VIP packages.
- Search and rescue cover automatically includes Mountain Rescue Service costs incurred within Slovakia, not just abroad.
- The VIP tier includes a dedicated Golf PLUS cover for unused club fees, equipment theft/damage, forfeited tournament entry fees and a hole-in-one bonus.
Coverage limits
Medical treatment expenses abroad
Covered
Covers outpatient treatment, medicines, hospitalization, medical transport and repatriation abroad. Minimum guaranteed sum insured is EUR 300,000; exact per-tier/tariff limits are set in the insurer's coverage table, which was not available from verified sources.
Emergency outpatient medical treatment
Covered
Covers costs of outpatient/emergency medical treatment abroad within the overall medical expenses sum insured.
Hospitalization abroad
Covered
Covers hospital treatment abroad in a registered facility under permanent medical supervision; if the insured cannot be transported home, treatment costs are covered up to a maximum of 90 days from the insured event.
Outpatient treatment
Covered
Outpatient treatment including prescribed medicines and necessary transport of medicines is covered within the medical expenses sum insured.
Acute emergency dental treatment
Covered
Acute dental treatment is covered within outpatient treatment; the insured must prove the treatment is not the result of neglected dental care (confirmation of an annual preventive dental check-up may be required).
Medical transport to nearest facility
Covered
Insurer-organized transport/transfer of the insured to the nearest hospital or medical facility by appropriate medical transport is covered.
Medical evacuation/return transport
Covered
Insurer-organized return transport to Slovakia (or a neighbouring state where the trip began) by suitable medical transport, including air ambulance where medically necessary and pre-approved in writing.
Repatriation of remains
Covered
Covers transport of the insured's remains to Slovakia, or by agreement to another EU state, in case of death abroad.
Search and rescue costs
Covered
Covers proven costs of search, rescue and transport of the insured by professional rescue service, including Mountain Rescue Service costs incurred in Slovakia. Minimum guaranteed sum insured is EUR 20,000.
COVID-19 treatment
Excluded
Insurance events connected with COVID-19, including its mutations, and any events linked to an epidemic or pandemic are explicitly excluded.
Chronic and pre-existing conditions
Conditional
Only in Komplexné cestovné poistenie - ročné PLUS, Komplexné cestovné poistenie - ročné VIP
Excluded in the base and Cestovné poistenie tiers. In the PLUS and VIP tiers, an unexpected acute worsening of a chronic/pre-existing condition is covered, only if it did not require outpatient treatment in the last 9 months or hospitalization in the last 12 months before the policy/booking.
Winter sports cover
Conditional
Recreational/tourist-level winter sports such as skiing and snowboarding are covered as standard; professional/competitive winter sports, official competitions and training for them are excluded.
Adventure/extreme sports cover
Conditional
Tourist-level activities (rafting, skydiving, mountaineering up to 5000m, bungee jumping, diving with valid certification up to 40m) are covered; paragliding/hang-gliding, motorsport racing, professional sports, diving beyond 40m or without certification, altitudes above 5000m, and other extreme/high-risk activities are excluded.
Pregnancy-related medical complications
Excluded
Childbirth, pregnancy testing (including laboratory and ultrasound), termination, fertility treatment and artificial insemination are excluded from medical expenses cover. (Note: pregnancy discovered after booking a trip is separately a valid trigger for trip-cancellation cover, not medical cover.)
Third-party liability
—
Only in Cestovné poistenie - ročné, Komplexné cestovné poistenie - ročné PLUS, Komplexné cestovné poistenie - ročné VIP
Covers civil liability for property and bodily injury damage caused to third parties from ordinary (non-business) activities. Included from the Cestovné poistenie - ročné tier upward; not included in the base Poistenie liečebných nákladov - ročné tier. Minimum guaranteed sum insured is EUR 100,000.
Legal assistance / arrest abroad assistance
Conditional
Only in Cestovné poistenie - ročné, Komplexné cestovné poistenie - ročné PLUS, Komplexné cestovné poistenie - ročné VIP
If the insured is threatened with or taken into detention abroad, the insurer helps arrange a lawyer and interpreter and provides an advance for legal representation or bail up to the agreed sum. Included from the Cestovné poistenie - ročné tier upward; not offered in Slovakia or the insured's home country.
24/7 assistance service
Covered
The insurer's contracted assistance partner provides continuous (24/7) help to insured persons abroad in urgent situations for handling claims.
Key conditions
Assistance call deadline
The insured must notify the insurer of the claim without delay, and in any case no later than the deadline by which costs relating to the scope of benefits will be incurred; organizational arrangements must be determined by the insurer.
Unauthorized treatment
If a conscious breach of the insured's duties (e.g. not informing the insurer, not following instructions) had a material effect on the occurrence or extent of the claim, the insurer is entitled to reduce the benefit proportionally to that effect.
Purchase while abroad
The policy must be concluded before departure on the trip (before leaving the place of residence or workplace); it cannot be purchased once the insured is already travelling.
Chronic conditions
Chronic/existing diseases are excluded from medical expenses cover in all tiers except for an unexpected acute worsening, which is covered only in the PLUS and VIP tiers subject to a 9-month (outpatient) / 12-month (hospitalization) lookback condition.
Pregnancy
Pregnancy discovered after booking a trip is a valid reason for trip cancellation cover (with medical proof required for complications if pregnancy was known before booking); pregnancy-related medical services (childbirth, pregnancy tests, fertility treatment) are excluded from medical expenses cover.
Pre-existing condition exclusions
A chronic/existing disease is one that was already present or diagnosed in the insured or a family member before the policy was concluded; such conditions are excluded from cover unless the PLUS/VIP unexpected-acute-worsening exception applies.
Coverage duration limit
The annual policy covers the first 45 or 90 days of each trip, depending on the chosen tariff, with an unlimited number of trips per policy year; if the insured cannot be transported home, hospital treatment costs continue to be covered for up to 90 days from the insured event.
Policy specifics
Trip cancellation/storno insurance
Covers non-refundable travel expenses up to specified limits when trip is cancelled for covered reasons
SourceBaggage/luggage insurance
Covers loss, damage, theft, or destruction of baggage and personal items taken on trip, including professional equipment in premium tiers
SourceThird-party liability insurance
Covers damages caused to third parties by insured person during travel
SourceSearch and rescue coverage
Covers costs of search and rescue operations including Mountain Rescue Service in Slovakia (included in all tiers)
SourceAccidental injury/trauma coverage
Covers permanent disability and death benefits from accidental injuries sustained during travel
SourceNo deductible for trip cancellation
The insurer's own marketing states that no deductible/co-payment applies when a trip cancellation claim is paid under the PLUS/VIP tiers.
SourcePermanent residence requirement
Annual Travel Insurance is available only to persons with permanent residence in Slovakia
SourceMaximum single trip duration
Longest permitted single continuous trip under annual policy - 45 or 90 days depending on package chosen
SourceFamily composition definition
Family coverage available. Family defined as max 2 adults and up to 5 minors (under 18) on trip start date - persons do not need to be related
SourceAge restrictions for premium tiers
Persons over 70 years old can only be insured under premium packages: Comprehensive Travel Insurance - Annual PLUS and VIP
SourceCancellation coverage grace period
For trips booked before policy purchase: cancellation coverage begins 10 days after policy inception (except for death, accident, natural disaster)
SourceOutpatient treatment deductible
Insured person pays first EUR 100 of outpatient treatment costs, which are reimbursed by insurer upon submission of proof of payment
SourceMedical repatriation/evacuation
Covers cost of transport to Slovakia for medical treatment on doctor's recommendation, including air ambulance if medically necessary, and repatriation in case of death
SourceGlobal geographic coverage (with exclusions)
Annual Travel Insurance covers travel worldwide, with specified geographic exclusions (Russia, Belarus, Iran, Syria, Cuba, Venezuela, Crimea, occupied regions of Ukraine)
SourceSports activity coverage limits
Standard sports at tourist level covered: swimming, skiing, snowboarding, diving, rafting, skydiving, mountaineering up to 5000m, horseback riding, bungee jumping. Professional/competitive sports not covered.
SourcePolicy withdrawal deadline
The policyholder may withdraw from the contract in writing no later than one day before the start of the insurance period; if the chosen package includes trip cancellation cover, withdrawal is not possible at all.
Source