Kooperativa Travel insurance (Marco Polo Travel Insurance)
Underwritten by KOOPERATIVA poisťovňa, a.s. · Slovakia
travel insurance from Kooperativa for the Slovakia market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2023-05-15Sources
Key facts
- Personal liability up to €100,000 – €150,000
Unique selling points
Assistance service (Global Assistance) coordinates and guarantees direct payment to medical providers abroad, reducing the need for the insured to pay upfront.
24/7 Slovak-, Czech- and English-speaking assistance line plus a dedicated 24/7 transport-disruption and COVID-assistance line (Click2Claim).
Highest tier (Excelent) offers medical expense cover up to 300,000 EUR plus built-in personal liability cover up to 150,000 EUR.
Flight-cancellation refund and transport-disruption assistance are included as a standard service across all tiers, not just as a paid add-on.
COVID-19 treatment abroad is covered under a specific public commitment, rather than being blanket-excluded as a pandemic/epidemic risk.
Coverage limits
Medical expenses abroad (incl. repatriation)
€100K – €300K
Overall limit for medically necessary treatment abroad, including repatriation costs: 100,000 EUR under Prima, 200,000 EUR under Optimum, and 300,000 EUR under Excelent tier.
Section: Tabuľka č. 1 > ZÁKLADNÉ POISTENIE > POISTENIE LIEČEBNÝCH NÁKLADOV
Liečebné náklady (vrátane repatriácie): 100 000 € 200 000 € 300 000 €
Emergency medical treatment and prescribed medicines
€100K – €300K
Necessary and urgent medical treatment for acute illness or injury abroad and medicines bought on prescription, covered within the overall medical expenses limit (100,000-300,000 EUR depending on tier).
Section: ČASŤ II POISTENIE LIEČEBNÝCH NÁKLADOV > Článok 17: Predmet poistenia
ošetrenie poisteného v zahraničí v dôsledku akútneho ochorenia alebo úrazu počas trvania poistenia. Jedná sa o ošetrenie z lekárskeho hľadiska nevyhnutné a neodkladné k stabilizácií stavu poisteného
Hospitalization abroad
€100K – €300K
Hospitalization in a medical facility abroad is covered within the overall medical expenses limit until the insured is fit to travel home.
Section: ČASŤ II POISTENIE LIEČEBNÝCH NÁKLADOV > Článok 17: Predmet poistenia
hospitalizáciu poisteného v zdravotnom zariadení/nemocničnej izbe, pričom nárok na poistné plnenie zaniká od okamihu, kedy bude poistený schopný prevozu do vlasti
Outpatient treatment
€100K – €300K
Outpatient examinations and treatment abroad are covered within the overall medical expenses limit.
Section: Článok 23: Povinnosti poisteného
pri platbách spojených s ambulantným liečením zaplatiť na mieste a doklady o týchto platbách spolu s lekárskou správou a diagnózou predložiť po návrate do vlasti poisťovni
Emergency dental treatment
€150 – €250
Acute dental treatment for pain relief, limited per tooth (max. 2 teeth): 150 EUR (Prima), 200 EUR (Optimum), 250 EUR (Excelent).
Section: Tabuľka č. 1 > POISTENIE LIEČEBNÝCH NÁKLADOV
- akútne zubné ošetrenie 150 €/1 zub/max. 2 zuby 200 €/1 zub/max. 2 zuby 250 €/1 zub/max. 2 zuby
Transport to the nearest medical facility
Covered
Transport of the insured to the nearest suitable medical facility (e.g. ambulance or taxi) is covered as part of the overall medical expenses limit, without a separate sublimit.
Section: Článok 17: Predmet poistenia
záchrannú službu alebo taxislužbu na prepravu do najbližšieho zdravotníckeho zariadenia a z neho do miesta ubytovania v zahraničí (pri neschopnosti chodiť)
Return transport (evacuation) to home country
Covered
If the insured cannot use the originally planned mode of transport for health reasons, return transport to Slovakia is arranged and paid within the overall medical expenses limit, subject to assistance service approval.
Section: Článok 20: Repatriácia, sprievod a poskytnutá pomoc
prepravu (repatriáciu) poisteného zo zahraničia späť do vlasti, akonáhle to dovolí zdravotný stav poisteného a to za predpokladu, že z dôvodu škodovej udalosti nemôže poistený použiť pôvodne plánovaný spôsob dopravy
Repatriation of mortal remains
€10K
Transport (repatriation) of mortal remains to the home country, or cremation and transport of ashes, up to 10,000 EUR, the same across all tiers.
Section: Tabuľka č. 1 > POISTENIE LIEČEBNÝCH NÁKLADOV
- repatriácia telesných pozostatkov 10 000 € 10 000 € 10 000 €
Rescue service costs
€20K
Costs of a mountain, sea, air or land rescue service (e.g. mountain rescue) abroad, up to 20,000 EUR, the same across all tiers, subject to specific exclusions (e.g. avalanche warning level 4+, non-public caves).
Section: Tabuľka č. 1 > POISTENIE LIEČEBNÝCH NÁKLADOV
- náklady záchrannej služby 20 000 € 20 000 € 20 000 €
COVID-19 treatment coverage
Conditional
Medical costs from COVID-19 contracted abroad are covered under the Public Commitment (Verejný prísľub) effective from 1 April 2026, within the overall medical expenses limit for the selected tier.
vo Verejnom prísľube platnom od 01.04.2026.
Pre-existing / chronic conditions
Excluded
Pre-existing, chronic or recurring illnesses, as well as mental disorders, and any predictable worsening of a condition known at the time of concluding the policy, are excluded, except for emergency stabilization treatment.
Section: Článok 22: Výluky z poistenia
akékoľvek ošetrovanie, lekársky úkon alebo liečenie, ktorého dôvodom je zhoršenie zdravotného stavu existujúceho v čase uzavretia poistnej zmluvy ak toto zhoršenie bolo predvídateľné
Winter sports cover
Optional
The T&Cs classify most alpine skiing and snowboarding (including on groomed slopes), ice hockey, speed skating, bobsleigh and freeride as 'risk sports', which require the optional risk sports rider (available for all tiers) and an increased premium; skiing/riding off marked trails is always a risk sport.
Section: Článok 2: Výklad pojmov > 48. Rizikové športy a činnosti
Športy na ľade: ľadový hokej, rýchlokorčuľovanie, krasokorčuľovanie, freeride (snowkiting), športové boby a sane, akrobatické lyžovanie, všetky druhy alpského lyžovania, lyžovanie a snowboarding mimo vyznačených trás
Risk / adventure sports cover
Optional
By default the policy only covers non-risk sports; a defined list of risk sports and activities (diving, climbing, combat sports, motorsports, etc.) requires the optional risk-sports rider and payment of an increased premium; available in all tiers.
Section: Článok 3: Rozsah poistenia, limit plnenia
Poistenie sa vzťahuje iba na vykonávanie nerizikových športov (všetky okrem rizikových športov), ak nebolo v poistnej zmluve dohodnuté inak.
Pregnancy complications
Conditional
Treatment for pregnancy complications is covered within the overall medical expenses limit only if they arise before completion of the 24th week of pregnancy; complications after the 24th week and complications arising from a high-risk pregnancy are excluded.
Section: Článok 17: Predmet poistenia
ošetrenie pri komplikáciách v ťarchavosti, ktoré vzniknú pred ukončením 24. týždňa tehotenstva okrem komplikácií, ktoré nastali v rámci rizikového tehotenstva
Personal liability
€100K – €150K
Covers damage to health/life or property caused by the insured to a third party abroad. Included as a base benefit only in the Excelent tier (150,000 EUR for injury/death, 250 EUR per item for property damage); for Prima and Optimum it is available only as an optional rider (100,000 EUR for injury/death, 250 EUR per item for property damage).
Section: PRIPOISTENIA
Zdravie, smrť 100 000 € 100 000 € x
Legal protection abroad
€12K
Covers lawyer's fees for legal representation abroad and includes a bail/deposit (kaucia) sublimit of 5,000 EUR, both within the 12,000 EUR overall limit, the same across all tiers.
Section: Tabuľka č. 1 > POISTENIE PRÁVNEJ OCHRANY
Právna ochrana 12 000 € 12 000 € 12 000 € - v tom kaucia 5000 € 5000 € 5000 €
24/7 assistance service
Covered
GLOBAL ASSISTANCE SLOVAKIA provides round-the-clock coordination of medical care abroad in Slovak, Czech and English; Click2Claim provides 24/7 transport assistance (flight/rail/bus disruption, COVID assistance, flight-cancellation refund).
Section: Článok 15: Asistenčná služba
Asistenčná služba je dostupná 24 hodín denne, pričom oprávnená osoba je povinná si vyžiadať asistenciu bezodkladne prostredníctvom telefónneho čísla na +421 268 20 20 60. Asistenčná služba zabezpečuje komunikáciu v slovenskom, českom a anglickom jazyku.
Key conditions
Assistance call deadline
The insured must contact the 24/7 assistance service (GLOBAL ASSISTANCE) in advance before seeking medical treatment abroad and follow its instructions; for transport disruptions, contact Click2Claim without delay.
Unauthorized treatment
If medical treatment was not approved in advance by the assistance service, the insurer covers costs only up to 150 EUR.
Purchase while abroad
If the insured person was not in Slovakia at the time of concluding a new policy (or cannot prove this), a 5-day waiting period applies before cover starts, unless the new policy directly continues an existing Kooperativa travel policy.
Chronic conditions
Chronic, pre-existing or recurring illnesses and mental disorders are excluded from medical expenses coverage.
Pregnancy
Pregnancy complications are covered only up to the 24th week of pregnancy; complications after the 24th week, and complications from high-risk pregnancy, elective abortion or childbirth (except life-threatening cases) are excluded.
Pre-existing condition exclusions
Treatment related to a health condition that existed or was foreseeable at the time the policy was concluded is excluded, except for emergency, life-saving stabilization treatment.
Coverage duration limit
Short-term policies run for a maximum of 365/366 days (extendable once by up to 30 days); under annual policies, each individual trip is limited to 45 days (Prima), 60 days (Optimum) or 90 days (Excelent); insured persons over 70 years old are limited to a maximum of 30 days per trip.
Direct payment
For hospitalization, costs are settled directly by the insurer via the assistance service upon presentation of the EHIC and the insurance confirmation; for outpatient treatment the insured typically pays on-site and submits receipts for reimbursement after returning home, though the assistance service can arrange direct payment guarantees to providers when contacted in advance, especially in cases of financial hardship.
Territorial scope
Coverage applies to all countries of the world except Slovakia; if the insured is a foreigner legally staying in Slovakia, cover applies to the territory agreed in the policy, excluding the country of the insured's permanent residence, nationality, or where they hold health insurance
Exclusions
Exclusion for intentional and gross negligence acts
Claims resulting from deliberate actions or gross negligence are excluded from coverage; insurance covers only accidents and unforeseen medical needs
SourcePage 1Section: Čo nie je predmetom poistenia?
Škody spôsobené úmyselne a z hrubej nedbanlivosti.
Documents
Insurance Product Information Document (IPID) - Marco Polo travel insurance (opens in a new tab)
Product information sheet · PDF
General Insurance Terms and Conditions - Marco Polo Travel Insurance (VPP CP 2023) (opens in a new tab)
Terms & conditions · PDF
Official Marco Polo travel insurance product page (opens in a new tab)
Other document · PDF
Policy specifics
Flight cancellation and travel disruption
Optional coverage for cancellation of travel arrangements, flight tickets, travel tickets and travel services (extended from basic package); automatically bundled with trip cancellation insurance
SourcePage 1Section: Čo je predmetom poistenia?
pripoistenie storna zájazdu (so zahrnutím poistenia storna letenky/cestovného lístka/cestovnej služby).
24/7 Assistance Services
Comprehensive assistance service available round-the-clock, providing healthcare coordination, medical facility referral, foreign language support, and payment guarantees at healthcare facilities abroad
SourceSme tu pre vás aj v zahraničí. S touto službou vám budeme asistovať pri situáciách, ako sú: Sprostredkovanie služieb lekára a prijatia do zdravotníckeho zariadenia,
Transport and travel disruption assistance
Free assistance service for transport-related issues including flight delays, cancellations, or disruptions; assists with alternative connections and refund coordination
SourceTáto telefonická asistenčná služba je dostupná nonstop. Ak dôjde k zrušeniu letu, klientom vybaví cez leteckú spoločnosť úplnú či čiastkovú refundáciu nákladov za letenky, a tiež pomôže nájsť alternatívne spoje v prípade meškajúceho vlaku či autobusu v cudzine.
COVID-19 treatment coverage
Coverage for medical expenses resulting from COVID-19 illness contracted abroad, available under public commitment (Verejný prísľub) with specific effective dates
SourceRisk sports and dangerous activities coverage
Optional add-on coverage for injuries sustained during high-risk sports or manual work abroad; requires separate premium payment
SourceSection: FAQ – Často kladené otázky o cestovnom poistení > 8. Sú rekreačné športy kryté v základnej cene poistenia?
Pokiaľ plánujete vykonávať nebezpečnejšie alebo adrenalínové aktivity (napr. rafting, paragliding, potápanie), stačí si jednoducho zakliknúť pripoistenie rizikových športov.
Geographic coverage territory
Coverage applies globally except Slovakia; for single trips customer can choose either Europe (including Azores, Balearics, Cyprus, Canaries, etc.) or worldwide; annual policies cover worldwide excluding Slovakia
SourceClause Článok 5Page 7Section: ČASŤ I VŠEOBECNÉ USTANOVENIA > ČLÁNOK 5 ÚZEMNÁ PLATNOSŤ
Územná platnosť cestovného poistenia je uvedená v poistnej zmluve. Poistenie sa vzťahuje iba na škodové udalosti, ktoré nastali na území dojednanom v poistnej zmluve, ktorým môže byť Európa alebo Svet, s výnimkou vlasti poisteného. […] Svet: všetky štáty sveta, s výnimkou SR. […] Európa: Pod Európou sa rozumie geografické územie Európy vrátane: Cyprus, Madeira, Maroko, Malta, Turecko, Egypt, Tunis, Kanárske ostrovy, Azorské ostrovy, Baleárske ostrovy.
Direct payment by assistance service vs. reimbursement
Healthcare expenses are paid directly by the assistance service to healthcare providers abroad (not reimbursement model); insured person is not responsible for upfront payment when using network facilities
SourceV takom prípade poisťovňa garantuje preplatenie nákladov za ošetrenie. V prípade ambulantného ošetrenia liečebné náklady uhradíte na mieste, nezabudnite si vyžiadať lekársku správu a doklad o úhrade.
Prior contact with assistance mandatory
Policyholder must contact assistance line before using healthcare services abroad; failure to notify may result in reduced or denied benefits
SourcePred využitím lekárskej služby v zahraničí kontaktujte našu asistenčnú službu +421 2 5729 9999.
Maximum trip duration by package tier
Single-trip coverage duration varies by tier: Prima up to 45 days, Optimum up to 60 days, Excelent up to 90 days; annual policies permit unlimited trips within annual coverage period
Sourcena výber krátkodobé (konkrétny počet dní, max. 365/366 dní) alebo ročné, pričom maximálny počet dní jedného vycestovania je podľa zvoleného balíka - PRIMA 45 dní, OPTIMUM 60 dní, EXCELENT 90 dní.
Scope of covered medical treatment abroad
Covered expenses include: outpatient treatment, hospitalization, necessary medical examinations, medications, transport to healthcare facility, and in some cases repatriation back to Slovakia
SourceSection: FAQ > ❓ Čo zahŕňa poistenie liečebných nákladov?
Poistenie liečebných nákladov zahŕňa najmä ambulantné ošetrenie, hospitalizáciu v zahraničí, potrebné vyšetrenia, lieky a transport do zdravotníckeho zariadenia. V niektorých prípadoch aj repatriáciu späť na Slovensko.
Sources
- kooperativa.skhttps://kooperativa.sk/clanky/pre-novinarov/cestovne-poistenie-investicia-do-vasho-pohodlia-na-dovolenke(opens in a new tab)
- kooperativa.skhttps://kooperativa.sk/magazin/cestovne-poistenie-a-choroby-v-zahranici(opens in a new tab)
- kooperativa.skhttps://kooperativa.sk/poistenie/cestovanie(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=10(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=11(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=12(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=13(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=4(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=6(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/poistne-podmienky/vseobecne-poistne-podmienky-marco-polo-cestovne-poistenie-vpp-cp-2023-15052023.pdf#page=7(opens in a new tab)
- s3.koop.vshosting.czhttps://s3.koop.vshosting.cz/prod-kooperativa-media-documents/predzmluvne-dokumenty/ipid-cestovne-poistenie-marco-polo-645-644-01042026.pdf#page=1(opens in a new tab)
- insia.skhttps://www.insia.sk/res/archive/2923/27392863.pdf#page=1(opens in a new tab)
Kooperativa Travel insurance