Extracted from source documents

Wüstenrot Travel insurance (Kratkodobe Cestovne Poistenie W Dobrom Dosli)

Underwritten by Wüstenrot poisťovňa, a.s. · Slovakia

travel insurance from Wüstenrot for the Slovakia market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2024-07-01Sources

Online purchase24/7 helpline

Unique selling points

The 'Rodina' option lets up to 2 unrelated adults and 2 children travel and be insured together under a single policy at a preferential family rate.

24/7 assistance is available directly in Slovak or Czech, avoiding language barriers in emergencies abroad.

The top Balík L tier provides a medical-expenses sum insured of up to 350,000 EUR, well above many entry-level travel policies.

The product is explicitly marketed as available to chronically ill, stabilized clients rather than automatically excluding them.

The policy can be configured and purchased entirely online, tailored to the traveler's chosen package and territorial scope.

Coverage limits

Covered

Medical expenses

€100K – €350K

Clause Art. 9.1.aPage 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

poistenie liečebných nákladov v zahraničí kumulatívne za všetky čiastkové liečebné náklady (v rozsahu bodov a1-a9 tohto odseku) poistná suma 100 000 Eur v Balíku S, poistná suma 150 000 Eur v balíku M a poistná suma 350 000 Eur v Balíku L

Covered

Outpatient/ambulatory treatment

€100K – €350K

Real costs of outpatient medical treatment abroad up to the unexhausted sum insured of the chosen package (S/M/L).

Clause Art. 9.1.a1Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

ambulantné ošetrenie – reálne náklady ambulantného ošetrenia až do výšky nevyčerpanej poistnej sumy

Covered

Hospitalization abroad

€100K – €350K

Real hospitalization costs in a standard ward, including diagnostics, therapy, surgery, anaesthesia, medication and board, up to the unexhausted sum insured.

Clause Art. 9.1.a3Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

hospitalizácia-reálne náklady hospitalizácie až do výšky nevyčerpanej poistnej sumy

Covered

Outpatient treatment

€100K – €350K

Ambulatory healthcare including materials and diagnostics is covered up to the unexhausted sum insured for the chosen package.

Clause Art. 9.1.a1Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

ambulantné ošetrenie – reálne náklady ambulantného ošetrenia až do výšky nevyčerpanej poistnej sumy

Covered

Emergency dental treatment

€400

Emergency dental treatment for injury or acute painful dental condition (pain relief, simple filling incl. X-ray, or extraction) is covered up to 400 EUR for a maximum of one claim; excludes definitive dental restoration and is excluded if the mandatory annual preventive check-up was neglected.

Clause Art. 9.1.a1Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

s výnimkou ošetrenia zubov obmedzeného na úhradu maximálne jednej poistnej udalosti s limitom poistného plnenia 400 Eur

Covered

Transport to a healthcare facility

€100K – €350K

Medically necessary transport of the insured to the nearest healthcare facility, or between facilities, up to the unexhausted sum insured, subject to prior approval by the assistance company.

Clause Art. 9.1.a4Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

doprava poisteného alebo nemenovanej osoby do zdravotníckeho zariadenia – reálne náklady takejto dopravy až do výšky nevyčerpanej poistnej sumy

Covered

Medically recommended transfer back to Slovakia

€100K – €350K

If the insured is unable to return by the originally planned means of transport for health reasons, a doctor-recommended transfer to the place of residence or a hospital in Slovakia is covered up to the unexhausted sum insured, subject to prior assistance-company approval.

Clause Art. 17.2.gPage 10/18

Section: Článok 17 > Predmet a rozsah poistenia

lekárom odporúčaný prevoz poisteného do miesta trvalého bydliska alebo nemocnice v Slovenskej republike v prípade, že poistený nie je v dôsledku poistnej udalosti zo zdravotných dôvodov schopný návratu pôvodne plánovaným dopravným prostriedkom.

Covered

Repatriation of remains / cremation abroad

€7K – €30K

In case of death abroad, transport of the remains (incl. coffin/urn) to Slovakia is covered up to the unexhausted medical sum; cremation abroad is capped at 7,000 EUR, or 30,000 EUR if the 'Rodina' (family) extension was agreed.

Clause Art. 9.1.a6Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

kremácia telesných ostatkov poisteného maximálne do výšky 7 000 Eur a ak bolo dojednané poistenie „Rodina“ maximálne do výšky 30 000 Eur

Optional

Mountain Rescue Service costs in Slovakia

€17K

Optional cover (can be added even without any of the S/M/L packages) for costs of Mountain Rescue Service interventions (search, rescue, transport) in designated mountain areas of Slovakia, up to a flat sum insured of 17,000 EUR.

Clause Art. 9.1.iPage 7/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

poistenie nákladov na zásah horskej služby sa dojednáva s poistnou sumou 17 000 Eur.

Optional · Balík S, Balík M, Balík L

COVID-19 rider

Optional

An optional COVID-19 rider can be added to any package; its specific sums/limits are set out in a separate 'Zmluvné dojednania pre poistenie COVID' document not included among the reviewed sources.

Conditional

Chronic / pre-existing conditions

€100K – €350K

An unforeseeable acute worsening of a chronic condition that immediately endangers health or life during the trip is covered up to the package's medical sum, but only if the chronic condition was stabilized for the 12 months preceding the start of insurance; conditions diagnosed/treated before inception, or unstabilized chronic diseases, are otherwise excluded.

Clause Art. 16.3Page 9/18

Section: Článok 16 > Poistná udalosť

Poistnou udalosťou v prípade chronickej choroby je nepredvídateľné zhoršenie zdravotného stavu poisteného počas cesty, ktoré bezprostredne ohrozuje jeho zdravie alebo život a vyžaduje poskytnutie nevyhnutnej zdravotnej starostlivosti na opätovnú stabilizáciu jeho zdravotného stavu.

Optional · Balík S, Balík M, Balík L

Risk sports extension (incl. some winter sports)

Optional

Risk sports such as skiing/sledding on marked runs or ice skating are covered only if the 'rozšírené poistné krytie – rizikový šport' extension is expressly agreed; off-piste skiing, ski-touring, freeride, alpine mountaineering above 3,500 m and similar activities are classified as 'nebezpečné športy' and cannot be insured at all under this product.

Clause čl. 2 ods. 41Page 3/18

Section: Článok 2 > Výklad pojmov

Rizikové športy a aktivity sú pre účely týchto VPP-KCP: atletika, basketbal, bejzbal, bodybuilding, florbal, futbal, fitnes, hádzaná, hokejbal, cheerleaders – roztlieskavačky, jazda na skiboboch na vyznačených trasách

Excluded

Dangerous / adventure sports

Excluded

The policy cannot be concluded at all for insured persons practicing 'nebezpečné športy' (a long enumerated list incl. base jumping, bungee jumping, paragliding, skydiving, via ferrata, extreme mountaineering, etc.), and such events are excluded from indemnity in any case.

Clause čl. 2 ods. 24Page 1/18

Section: Článok 2 > Výklad pojmov

Nebezpečné športy sú: aerials, aerotrim, airsoft, akrobatické lyžovanie, alpinizmus, americký futbal, base jumping

Excluded

Pregnancy complications

Excluded

Pregnancy after the 26th week (incl. birth, complications and postnatal newborn care), risk pregnancy, and elective termination of pregnancy and their consequences are excluded; pregnancy tests are also not reimbursed.

Clause Art. 15.1.v-wPage 9/18

Section: Článok 15 > Všeobecné výluky z poistného plnenia

tehotenstva po ukončení 26. týždňa gravidity, vrátane pôrodu, komplikácií a popôrodnej starostlivosti o novorodenca, rizikového tehotenstva, zámerného ukončenia tehotenstva a ich dôsledkov

Conditional

Personal (non-business) liability abroad

€50K – €250K

Available only in Balík M or L (not in Balík S): Balík M covers bodily-injury liability up to 100,000 EUR and property-damage liability up to 50,000 EUR; Balík L covers 250,000 EUR / 100,000 EUR respectively; each claim carries a 150 EUR deductible.

Clause Art. 9.1.d1-d2Page 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

v balíku M sa dojednáva poistná suma pre poistenie zodpovednosti za škodu spôsobenú na zdraví na 100 000 Eur so spoluúčasťou 150 Eur a poistná suma pre poistenie zodpovednosti za škodu na majetku 50 000 Eur so spoluúčasťou 150 Eur

Conditional

Legal assistance and bail

€15K

Available only within Balík L: sum insured of 15,000 EUR, split into a 10,000 EUR sub-limit for legal assistance costs and a 5,000 EUR sub-limit for bail; excludes matters connected with the insured's occupation, drug/weapon offences, political/religious activity, or events in Slovakia.

Clause Art. 9.1.ePage 6/18

Section: Článok 9 > Poistné sumy a limity poistného plnenia

poistenie právnej pomoci sa dojednáva len v balíku L s poistnou sumou 15 000 Eur a s limitom poistného plnenia pre poskytnutie právnej pomoci vo výške 10 000 Eur a s limitom poistného plnenia pre kauciu vo výške 5 000 Eur

Covered

24/7 multilingual assistance service

Covered

The insurer's contracted assistance company provides round-the-clock support (info before travel, treatment/hospitalization monitoring, locating providers, payment guarantees) in Slovak or Czech.

Clause Art. 17.3Page 10/18

Section: Článok 17 > Predmet a rozsah poistenia

Z poistenia liečebných nákladov má poistený nárok na poskytovanie nasledujúcich asistenčných služieb: informačné služby pred vycestovaním... monitoring liečby a hospitalizácie, vrátane kontroly nákladov na liečbu

Key conditions

Assistance call deadline

In the event of a claim, the insured must contact the assistance company for instructions before receiving services; if objective circumstances prevent this, they must do so as soon as the circumstances allow.

Unauthorized treatment

Prior consent of the assistance company is required before undergoing costly diagnostic/treatment procedures abroad (from 100 EUR per procedure) paid out of pocket; the insurer may reduce or refuse indemnity if obligations under the contract/T&Cs were knowingly breached.

Purchase while abroad

The policy can be concluded remotely from abroad; cover then starts, at the earliest, from midnight CET of the day after the proposal is submitted, but the 90-day maximum trip length includes any days already spent abroad before the policy started. Trip-cancellation cover cannot be added once the insured is already abroad.

Chronic conditions

Chronic diseases are covered only if stabilized for the 12 months preceding the start of insurance; if unstabilized, requiring a change of treatment, progression, or hospitalization during that period, related events are excluded.

Pregnancy

Pregnancy after the 26th week, including birth, complications and postnatal newborn care, as well as risk pregnancy and elective termination, are excluded from cover; pregnancy testing costs are not reimbursed.

Pre-existing condition exclusions

Illnesses or injuries diagnosed or already showing symptoms before the start of insurance, or within the 12 months before the claim, are excluded from medical expenses cover.

Coverage duration limit

Cover applies to a single trip abroad of at most 90 days without interruption by return to Slovakia; the insured may not be older than 75 at the start of the insurance period, and cover automatically ends 45 days after the trip's start if the insured turns 75 during the trip.

Direct payment

The assistance company arranges and, where agreed, directly settles costs with foreign healthcare providers up to the limit of indemnity (payment guarantee); costs paid by the insured out of pocket abroad are reimbursed in EUR after return based on submitted original receipts, converted at the National Bank of Slovakia exchange rate on the date of the insured event.

Territorial scope

Zone 'Europe' covers geographic Europe plus Turkey, Israel, Tunisia, the Canary Islands, Morocco, all of Cyprus and Egypt (excluding Slovakia and sanctioned countries); zone 'World' covers all countries and territories worldwide except Slovakia and sanctioned countries. Medical expenses cover does not apply in Slovakia, in the insured's country of permanent/temporary residence, or in a country where the insured is a public health insurance participant.

Documents

General Terms and Conditions for Short-term Travel Insurance (VPP-KCP), effective 01/07/2024 (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document – Short-term Travel Insurance (06/2023) (opens in a new tab)

Product information sheet · PDF

Product landing page – Travel insurance W dobrom došli (opens in a new tab)

Other document · PDF

Policy specifics

Mountain rescue service coverage

Coverage for mountain rescue service costs in Slovakia with limits of 15,000 EUR (Basic/Intermediate/Prestige) to 20,000 EUR (Ultimate)

SourcePage 1/2

Section: POISTNÉ KRYTIE A POISTNÉ SUMY

nákladov horskej služby v SR x 15 000 € x 15 000 € x 15 000 € x 20 000 €

Baggage and travel documents coverage

Coverage for loss, theft, or damage to baggage and travel documents, with varying limits by package tier

SourcePage 1/2

Section: POISTNÉ KRYTIE A POISTNÉ SUMY

batožiny a dokladov x 1 250 € / x 2 000 € x 2 500 € / x 3 500 € x 3 000 € / x 4 000 €

Accident death benefit

Coverage for death resulting from accident, with benefits from 5,000 EUR to higher amounts depending on package

SourcePage 1/2

Section: POISTNÉ KRYTIE A POISTNÉ SUMY

pre prípad úrazu smrť úrazom trvalé následky x x 10 000 € 20 000 €

Permanent disability benefit

Coverage for permanent disabilities resulting from accidental injury, with benefits varying by package tier

SourcePage 1/3

Section: Čo je predmetom poistenia?

- poistenie pre prípad úrazu,

Trip duration limit

Short-term travel insurance valid for trips of 1 to 90 days with a specific start and end date

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

Krátkodobé cestovné poistenie môžete využiť v zahraničí na pobyt trvajúci 1 až 90 dní, pričom počet dní je dátumovo ohraničený.

Territorial scope

Coverage available for two territorial options: Europe or World-wide

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

V poistení je možné zvoliť územnú platnosť Európa alebo Celý svet.

Family coverage option

Coverage available for families or groups: maximum 2 adults (up to age 75) and maximum 2 children (up to age 18), not necessarily related

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

Krátkodobé cestovné poistenie ponúka výhodný variant „Rodina“, ktorý je vhodný nielen pre rodiny, ale aj pre skupinu max. 2 dospelých osôb do 75 rokov a max. 2 deti do 18 rokov aj bez príbuzenského vzťahu.

24/7 assistance services

Round-the-clock multilingual assistance available in Slovak and Czech languages for emergency support during travel

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

V prípade potreby môžete využiť asistenčné služby dostupné 24 hodín denne v slovenskom alebo českom jazyku.

Package tier system

Coverage available in four tiers: Basic, Intermediate, Prestige, and Ultimate, with increasing coverage limits

Source

Section: Vyberte si najvhodnejší balík poistenia

Ponúkame vám na výber z balíkov Basic, Intermediate, Prestige, Ultimate podľa limitu poistného plnenia.

Eligible age range for adults

Adults can be insured up to age 75 in the Family variant

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

Krátkodobé cestovné poistenie ponúka výhodný variant „Rodina“, ktorý je vhodný nielen pre rodiny, ale aj pre skupinu max. 2 dospelých osôb do 75 rokov a max. 2 deti do 18 rokov aj bez príbuzenského vzťahu.

Coverage for chronic conditions

Policy explicitly mentions coverage available for chronically ill customers with stabilized, treated medical conditions

Source

Section: Prečítajte si viac o poistení > Pre koho je toto poistenie

Pre dovolenkárov a dobrodruhov, manažérov a obchodníkov, horských turistov, pendlerov, zdravých aj chronicky chorých klientov (stabilizovaných, s nastavenou liečbou).

Sources

Wüstenrot Travel insurance

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