ProTravel
ProTravel is a travel insurance for the SK market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
SK
Covers all countries of the world except the Slovak Republic. For insured persons who are citizens of another state legally residing in Slovakia, coverage applies to the territory agreed in the policy, excluding the territory/state where the insured has permanent residence or pays health insurance.
Unique selling points
- Medical expenses from terrorist attacks, epidemics and pandemics (including COVID-19) are explicitly included in the core coverage at no extra cost.
- Free 24/7 assistance service in the Slovak language (GLOBAL ASSISTANCE SLOVAKIA) is included in every policy, ensuring direct communication without language barriers.
- Policy covers search and rescue costs (mountain, sea and similar rescue operations) and quarantine-related accommodation and transport costs within the core medical expenses benefit.
- Flexible add-on options allow the insured to extend coverage with winter sports, risky sports, manual work, liability, legal assistance, baggage, trip cancellation, and vehicle immobility — tailored to individual needs.
- Online purchase is available in minutes from home for stays of up to 90 days, with coverage beginning on the agreed start date — suitable for individuals, families, and organisations (e.g. employers covering employees).
Coverage limits
Medical expenses
Up to 250,000 EUR (up to 100,000 EUR for epidemic/pandemic; up to 50,000 EUR for terrorist attack)
Emergency Medical Treatment
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
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 under medical expenses limit (up to 250,000 EUR); includes outpatient medical treatment and prescribed medications
Emergency dental
Covered with a lower sub-limit under medical expenses; exact sub-limit not publicly disclosed — requires review of policy terms (VPP ProTravel-KZ)
Medical transport
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
Medical Evacuation
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 with a lower sub-limit under medical expenses; exact sub-limit not publicly disclosed — requires review of policy terms (VPP ProTravel-KZ)
Search & rescue
Up to 20,000 EUR; covers search, rescue and transport after accidents in mountains, at sea, in crashed vehicles or collapsed structures
COVID-19 treatment
Up to 100,000 EUR (covered as epidemic/pandemic under medical expenses)
Pre-existing conditions
Excluded
Standard travel insurance does not cover chronic or pre-existing conditions. Only sudden, unexpected illnesses or injuries requiring immediate medical attention are covered. Preventive check-ups, vaccinations, and treatment that is not medically urgent are explicitly excluded.
Winter sports cover
Optional
Winter sports coverage is available as an optional add-on to the basic medical expenses insurance. Training, racing, speed tests and skid schools are excluded from standard coverage and may only be covered with a specific add-on.
Adventure/risky sports cover
Optional
Coverage for risky and adventure sports is available as an optional add-on. Mountaineering ascents, safari and expeditions are explicitly excluded from standard coverage. Training and racing activities are also excluded.
Pregnancy complications
Conditional
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.
Personal liability
Body injury: up to 100,000 EUR; property damage: up to 50,000 EUR (optional add-on for short-term; included in annual packages)
Legal assistance
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)
24/7 assistance service
Covered
Free 24/7 assistance services in the Slovak language are included in the policy, provided by GLOBAL ASSISTANCE SLOVAKIA, s.r.o., reachable at +421 2 68 20 20 60. The insured must contact this service immediately upon any insured event.
Key conditions
Assistance call deadline
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.
Unauthorized treatment
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.
Purchase while abroad
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
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
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.
pre_existing_conditions
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
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.
Policy specifics
Territory coverage
Coverage available for trips to Europe or worldwide, with maximum stay duration of 90 days per trip
Emergency medical care coverage
Coverage for urgent medical care provided in public or private healthcare facilities abroad
Optional baggage coverage
Additional optional coverage for baggage, personal belongings, and theft protection
Permanent disability insurance
Optional coverage for permanent disability resulting from injury sustained during travel
Death benefit from accident
Optional coverage providing death benefit in case of fatal accident during travel
Liability insurance
Optional coverage for liability if insured causes damage or injury to third parties
Trip cancellation insurance
Optional coverage for reimbursement if trip needs to be cancelled for covered reasons
Vehicle immobility coverage
Optional coverage for vehicle breakdown or immobility during travel
Terrorism coverage
Coverage for medical expenses resulting from terrorist attack
Epidemic and pandemic coverage
Coverage for medical expenses related to epidemic or pandemic situations
Policy validity period
Insurance contract is valid for a specific period agreed in the contract, starting on the date specified in the policy
Individual and family coverage options
Insurance can be concluded individually for one person or as family insurance for persons living in shared household (minimum two persons)
Organizational coverage option
Organization can conclude insurance on behalf of individual (e.g., employer for employee, sports club for member)
Online application and issuance
Policy can be concluded online from home conveniently for periods up to 90 days
24-hour assistance services
Free 24-hour assistance services available in Slovak language
Claim notification procedure
Insured must notify assistance service by phone immediately, then submit written claim on appropriate form by email or post
Single premium payment
Insurance premium must be paid in full immediately after contract signature for entire coverage period
Accepted payment methods
Premium can be paid by bank transfer to insurer account or by payment card
Policy termination conditions
Insurance policy terminates upon expiration of agreed period, written notice by either party, non-payment of premium, or non-payment within statutory deadline