MetLife Europe d.a.c., branch of an insurance company from another member state
MetLife
MetLife is a travel insurance for the Slovakia market with online purchase and 24/7 assistance.
Direct payment
Available sources do not explicitly describe a cashless/direct-billing arrangement for this individual product; claims and emergency assistance are handled through the 24/7 assistance provider (Europ Assistance), which policyholders should contact before incurring costs where possible.
Geographic scope
Two selectable territorial zones: Europe + Mediterranean, or Worldwide
Europe + Mediterranean includes European states, the European part of the Russian Federation, Mediterranean islands, Egypt, Morocco, Algeria, Tunisia, Turkey, the Canary Islands, Madeira, the Azores, Iceland and the Faroe Islands; cover excludes Slovakia and the insured's country of permanent residence.
Unique selling points
- Choice of three tiers (Silver, Gold, Platinum) letting customers pick the exact level of cover for their trip.
- Family cover can insure two adults plus an unlimited number of children under one policy.
- Standard 24/7 assistance service included at no extra cost across all tiers.
- Optional Extreme Sports rider extends cover to a broad range of winter, water and aviation sports not covered by base plans.
- Dedicated Business Travel add-on covers employees traveling abroad on company business.
Coverage limits
Medical treatment costs and related expenses
Covered
Core benefit covering medical treatment costs and related expenses abroad (injury or illness), included as a base benefit across the Silver, Gold and Platinum programs; the specific sum insured is not disclosed on the reviewed public pages.
Emergency medical treatment
Covered
Emergency treatment for accident or sudden illness is part of the core medical treatment cost benefit included in all three tiers; no specific sum insured is published.
Hospitalization
Covered
Hospitalization costs abroad are covered as part of the medical treatment cost benefit across all tiers; no specific sum insured is published in the reviewed sources.
Outpatient treatment
Covered
Outpatient medical treatment for injury or common illness is covered within the medical treatment cost benefit common to all tiers; no explicit sum insured stated.
Emergency dental treatment
Covered
Dental treatment is covered as part of the medical treatment cost benefit; the exact sum insured is not published.
Medical transport
Covered
Transport connected with emergency evacuation (e.g. by air ambulance) is included as a core benefit from the Silver tier upward; no sum insured is published.
Emergency medical evacuation
Covered
Emergency evacuation is a core benefit included in the Silver tier and above; no published sum insured.
Repatriation of remains
Covered
Repatriation of remains in case of death abroad is included in the core coverage across all three tiers; no published sum insured.
Search and rescue
No limit stated
No reviewed source for this individual product addresses a distinct search-and-rescue benefit.
COVID-19 treatment
No limit stated
A COVID-related add-on ('Covid balíček') is mentioned only for MetLife's group corporate travel product, not for this individual Silver/Gold/Platinum product; no source confirms COVID-19 treatment cover here.
Pre-existing conditions
No limit stated
No reviewed source states whether pre-existing medical conditions are covered or excluded for this product.
Winter sports add-on
Optional
Winter sports (e.g. speed skating, tobogganing/bobsledding, ski touring, snowmobiling) are covered under the optional 'Extreme Sports' rider, not as a base benefit.
Adventure/extreme sports add-on
Optional
Water, air and other risky sports (e.g. jet-skiing, rafting, parasailing, diving, combat sports) are covered only via the optional 'Extreme Sports' rider.
Pregnancy complications
No limit stated
No reviewed source addresses cover for pregnancy complications under this product.
Personal liability
Covered
Liability cover for damage caused to third parties is included from the Silver tier upward; no published sum insured.
Legal assistance
No limit stated
No reviewed source for this individual product mentions a distinct legal assistance/legal expenses benefit.
24/7 assistance service
Covered
Round-the-clock assistance service (Europ Assistance) is a standard benefit included in all variants of the product.
Key conditions
Assistance call deadline
Sources do not specify an exact deadline for contacting the 24/7 assistance service after a medical event; policyholders should call the assistance provider as soon as possible following any incident.
Unauthorized treatment
Available sources do not specify a distinct penalty for using unauthorized or non-approved treatment/assistance providers under this product.
Purchase while abroad
Reviewed sources do not confirm whether this policy can be arranged after the traveler has already departed abroad.
Chronic conditions
No reviewed source specifies separate terms for treatment of chronic diseases while traveling.
Pregnancy
No reviewed source specifies particular pregnancy-related coverage terms for this product.
Pre-existing condition exclusions
Sources do not state whether pre-existing medical conditions are covered or excluded under this product.
Coverage duration limit
The general terms and conditions state that a single insured trip may not exceed a stated maximum number of days, but the exact figure could not be confirmed from the available extracted text.
Documents
Terms and conditions for travel insurance (ATI)
Terms & conditions