MetLife
MetLife is a travel insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
Assistance service (Europ Assistance) coordinates and directly pays for covered medical costs when the insured contacts them before treatment. If the insured pays out of pocket without prior assistance notification, reimbursement may be reduced.
Geographic scope
SK
Worldwide except Slovakia and country of habitual residence; Zone 1: Europe + Mediterranean (EU states, European part of Russia, Mediterranean islands, Egypt, Morocco, Algeria, Tunisia, Turkey, Canary Islands, Madeira, Azores, Iceland, Faroe Islands); Zone 2: World including USA and Canada
Unique selling points
- Medical expenses covered up to 100,000 EUR per insured person on every trip, applying equally across all three plan tiers (Silver, Gold, Platinum).
- Personal liability coverage of up to 100,000 EUR for bodily injury and 30,000 EUR for property damage is included from the base Silver plan at no extra charge.
- 24/7 worldwide assistance in Slovak and Czech language provided by Europ Assistance, with direct payment coordination to medical facilities abroad.
- Recreational sports (golf, ball games, recreational skiing, snowboarding) are included in all standard plans without any additional premium or add-on requirement.
- Family plan covers two adults plus an unlimited number of children, with all insured persons able to travel independently of each other under one annual policy.
Coverage limits
Medical expenses abroad
Covered
Covers costs of medical treatment abroad including doctor visits, hospital stays, prescribed medicines, and transport to the nearest medical facility, up to 100,000 EUR per insured person.
Emergency medical treatment
Covered
Emergency medical treatment is covered as part of the medical expenses benefit up to 100,000 EUR; assistance service coordinates treatment and direct payment to medical providers.
Hospitalization
Covered
Hospitalization costs abroad are covered within the overall medical expenses limit of 100,000 EUR per insured person.
Outpatient treatment
Covered
Outpatient (ambulatory) treatment abroad is covered within the overall medical expenses limit of 100,000 EUR per insured person.
Emergency dental treatment
Covered
Emergency dental treatment abroad is included within the medical expenses coverage; a specific sub-limit for dental was not found in available sources.
Medical transport
Covered
Transport to the nearest medical facility is covered within the overall medical expenses limit of 100,000 EUR.
Emergency medical evacuation
Covered
Emergency medical evacuation (transport to nearest adequate medical facility or back to Slovakia) is covered within the overall medical expenses limit; coordinated by Europ Assistance 24/7.
Repatriation of remains
Covered
Repatriation of mortal remains from abroad back to Slovakia is covered within the overall medical expenses benefit; coordinated by the assistance service.
Search and rescue
Not offered
Search and rescue (mountain rescue / SAR) costs are not listed as a standalone covered benefit in the individual ATI travel insurance product; not found in available sources for this product.
COVID-19 treatment
Excluded
COVID-19 coverage is explicitly offered as an optional add-on ("Covid package") for group travel insurance products; its inclusion in the standard individual ATI9 product was not confirmed in available sources.
Pre-existing conditions
Excluded
Pre-existing conditions (illnesses or injuries existing before the policy start date) are generally excluded from coverage under the general exclusions of MetLife ATI travel insurance policy.
Winter sports cover
Optional
Extreme winter sports (speed skating, toboggan/sled/bob rides, ski alpinism, snowmobile) are available as an optional add-on. Recreational skiing and snowboarding are included in the standard plan at no extra charge.
Adventure and extreme sports cover
Optional
Extreme and adventure sports (parasailing, motorized water sports, jet skiing, yachting, rafting, canoeing, scuba diving with instructor, equestrian activities, martial arts as defensive sports only) are available as an optional add-on. Recreational sports (ball games, golf, recreational skiing) are included in the base plan.
Pregnancy complications
Not offered
Pregnancy and pregnancy-related complications are not confirmed as a covered benefit in the individual ATI travel insurance; specific coverage details were not found in available sources.
Personal liability
Covered
Personal liability insurance is included in all three tiers (Silver, Gold, Platinum): up to 100,000 EUR for bodily injury/death and up to 30,000 EUR for property damage caused to third parties.
Legal assistance
Not offered
Legal assistance abroad is not listed as a standalone covered benefit in the individual ATI travel insurance product; not found confirmed in available sources.
24/7 assistance service
Covered
24/7 professional assistance is provided by Europ Assistance s.r.o. (+421 2 20 678 678), available worldwide, in Slovak and Czech language, covering medical assistance, emergency transport coordination, repatriation coordination, and technical assistance.
Key conditions
Assistance call deadline
The insured must contact the Europ Assistance helpline (+421 2 20 678 678) before receiving any major medical treatment or hospitalization abroad; failure to do so may result in a reduction of benefits payable.
Unauthorized treatment
If the insured receives treatment without first notifying the assistance service, MetLife may reduce the insurance benefit; the extent of reduction depends on policy conditions and the specific circumstances.
Purchase while abroad
The policy must generally be purchased before departure from Slovakia; it is an annual (multi-trip) product and cannot be activated retroactively after a claim event has occurred.
Chronic conditions
Chronic diseases and conditions that existed prior to the policy start date are excluded from coverage under the general exclusions of the ATI travel insurance policy.
Pregnancy
Pregnancy complications are not confirmed as a covered benefit under the individual ATI travel insurance product; specific coverage terms were not found in available sources for this product.
pre_existing_conditions
Pre-existing conditions (illnesses, injuries, or disabilities existing before the insurance start date) are generally excluded from coverage under the general exclusions clause of MetLife ATI travel insurance.
coverage_duration_limit
Coverage per trip is valid for the first 45 days of each individual trip; the number of trips per year is unlimited. In exceptional cases, the 45-day limit may be extended by the insurer.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for medical treatment costs incurred while traveling abroad, up to 100,000 EUR per insured person; included in all SILVER, GOLD, PLATINUM plans. Covers doctor visits, hospital stays, prescribed medicines, transport to nearest medical facility, and repatriation.
Emergency medical evacuation
Coverage for emergency repatriation or transport to nearest medical facility; included within the overall 100,000 EUR medical expenses limit and coordinated by Europ Assistance 24/7.
Death following accident
Benefit payable in case of death resulting from accidental injury while traveling; included in all three travel insurance plans (SILVER, GOLD, PLATINUM).
Trip cancellation and interruption
Coverage for losses due to trip cancellation or interruption; available only in the PLATINUM (highest) tier.
Baggage and personal belongings
Coverage for loss or damage to baggage and personal belongings during travel; included in GOLD and PLATINUM plans.
Sports and recreation activities
Recreational sports (ball games, golf, recreational skiing/snowboarding) are covered in all standard plans at no extra cost. Extreme sports (ski alpinism, snowmobile, parasailing, motorized water sports, jet skiing, yachting, rafting, canoeing, scuba diving, equestrian, defensive martial arts) are available as an optional paid add-on.
Geographic coverage options
Insurance valid for two geographic zones: Zone 1 – Europe + Mediterranean (EU states, European part of Russia, Mediterranean islands, Egypt, Morocco, Algeria, Tunisia, Turkey, Canary Islands, Madeira, Azores, Iceland, Faroe Islands); Zone 2 – Worldwide (including USA, Canada), excluding Slovakia and country of habitual residence.
Three insurance plan tiers
SILVER: basic – medical expenses, personal liability, accidental death/injury, 24/7 assistance. GOLD: adds baggage and personal documents cover. PLATINUM: comprehensive – adds trip cancellation/interruption cover.
Business travel add-on
Optional add-on for those traveling abroad for work purposes; covers administrative work, training, exhibitions, conferences. Excludes manual labor, professional athletes, truck/bus drivers, hunters, stuntmen, security service workers, tunnel builders, rescue workers, cavers, miners, and other specialized professions.
Assistance service provider
24/7 professional assistance is provided by Europ Assistance s.r.o. (Prague), reachable at +421 2 20 678 678 worldwide. Available in Slovak and Czech languages; coordinates medical assistance, emergency transport, and repatriation.
Policy conditions requirement
The insured must contact the assistance service before major medical procedures or hospitalization. Non-compliance may result in reduced insurance benefits; particularly critical for hospitalization notification.