Evropsko Travel insurance (Celosten Paket Zavarovanja Potovanja)
Underwritten by Europäische Reiseversicherung AG · Slovenia
travel insurance from Evropsko for the Slovenia market, with 24/7 assistance.
Verified Aug 22, 2026 · Terms dated 2022-10-01Sources
Key facts
- Personal liability up to €100,000
- Evropsko
Unique selling points
Combines cancellation cover, travel medical cover, baggage insurance and personal liability abroad in a single package.
Hospital treatment abroad is covered up to EUR 200,000, well above many basic travel policies.
Backed by Europ Assistance's worldwide 24/7 network spanning more than 200 countries and 750,000 service providers.
Family tariff allows up to seven travelling companions, including up to two adults, to be insured together without requiring them to be related.
Policyholders can freely choose between a Europe-only or a worldwide territorial scope for the same package.
Coverage limits
Medical expenses abroad
Covered
No limit stated
Covers ambulatory and hospital treatment costs abroad due to unexpected acute illness or accident; ambulatory treatment and transport are covered in full (100%), while hospital treatment is covered up to EUR 200,000.
Section: Zdravstvene storitve v tujini vklj. prevoz domov
9. Ambulantna oskrba do 100 % 10.Bolnišnična oskrba do € 200.000,-
Emergency medical treatment
Covered
No limit stated
Covers necessary, proven costs for transport to hospital and ambulatory emergency treatment abroad; the benefits description states these services are covered in full (100%), with no separate monetary cap.
Section: Zdravstvene storitve v tujini vklj. prevoz domov
8. Transport v najbližjo bolnišnico (prevoz, premestitev) do 100 % 9. Ambulantna oskrba do 100 %
Hospitalization abroad
€200K
Covers hospital treatment costs including physician-prescribed medication, up to EUR 200,000; if return travel is impossible, costs are covered until fit for transport.
Section: Zdravstvene storitve v tujini vklj. prevoz domov
10.Bolnišnična oskrba do € 200.000,-
Outpatient treatment
Covered
No limit stated
Covers ambulatory treatment including physician-prescribed medication and pain-relief dental treatment (including simple fillings); the benefits description states ambulatory care is covered in full (100%), with no separate monetary cap.
Section: Zdravstvene storitve v tujini vklj. prevoz domov
9. Ambulantna oskrba do 100 %
Emergency dental treatment
Covered
Covers emergency pain-relief dental treatment abroad, including simple fillings; dental prosthetics/conservation treatment is excluded.
Section: C: Zdravstvene storitve v tujini > Člen 21
ambulantno zdravljenje, vključno z zdravniško predpisanimi zdravili in protibolečinsko zdravljenje zob (vključno z zalivkami v preprosti izvedbi);
Medical transport
Covered
Covers transport to hospital and medically necessary transfer transport abroad.
Section: C: Zdravstvene storitve v tujini > Člen 21
2.1. prevoz v bolnišnico in medicinsko potreben transferni prevoz;
Medical evacuation / repatriation
Covered
Covers transport home to the country of residence, including by air ambulance, when medically necessary or medically justified after at least three days of hospitalization.
Section: C: Zdravstvene storitve v tujini > Člen 21
2.4.1. medicinsko nujen (vključno z rešilnim letalom); ali 2.4.2. ni medicinsko nujen, je pa medicinsko opravičljiv in ga zavarovana oseba izrecno zahteva po najmanj treh dneh bivanja v bolnišnici (razen za reševalne lete);
Repatriation of remains
Covered
Covers repatriation of the deceased in standard form to the country of residence, or alternatively burial at the place of the event up to the equivalent repatriation cost.
Section: C: Zdravstvene storitve v tujini > Člen 21
repatriacija pokojnika v standardni normi v državo stalnega prebivališča, iz katere se je potovanje začelo, ali namesto tega pokop na kraju dogodka (do največ stroškov repatriacije v standardni normi);
Search and rescue
€10K
Covers proven search and rescue costs in mountains or at sea, up to EUR 10,000.
COVID-19 / epidemic-pandemic illness treatment
Covered
No limit stated
Unexpected acute epidemic or pandemic illness (including COVID-19) is explicitly included within the definition of an insured medical event; cover follows the same terms as other medical treatment, i.e. ambulatory treatment and transport at 100% and hospitalization up to EUR 200,000.
Section: C: Zdravstvene storitve v tujini > Člen 21
Škodni dogodek je nepričakovano akutna bolezen (vključno z epidemičnimi ali pandemičnimi boleznimi), nastanek nezgodne telesne poškodbe ali nastanek smrti zavarovane osebe na potovanju v tujini.
Pre-existing conditions
Excluded
Treatment and transport related to pre-existing illnesses or consequences of an accident that existed before the trip are excluded.
Section: C: Zdravstvene storitve v tujini > Člen 23
zdravljenje in prevoz v zvezi z obstoječimi boleznimi ali posledicami nezgode.
Winter sports cover
No limit stated
Not explicitly addressed as a separate winter sports cover in the reviewed sources; general accident/illness cover applies subject to standard exclusions (e.g. professional/competitive sport).
Adventure/extreme sports cover
Conditional
Non-professional sport is generally covered under personal liability, but professional sports activities, motorsport events, and diving beyond 40m or without an appropriate license are excluded.
Section: Splošni del > Člen 6
Nastanejo pri potapljanju, če zavarovana oseba nima mednarodno veljavnega dovoljenja za zadevno globino, razen pri udeležbi na tečaju za potapljanje, ki ga vodi učitelj potapljanja z licenco. Zavarovanje nikakor ne velja pri potapljanju v globino več kot 40 m.
Pregnancy complications
Conditional
Unexpected serious pregnancy complications and unexpected premature births are covered up to and including week 35 of pregnancy; complications after week 35 are excluded.
Section: C: Zdravstvene storitve v tujini > Člen 21
Nepričakovani zapleti v nosečnosti in nepričakovani prezgodnji porodi so zavarovani do vključno 35. tedna nosečnosti.
Personal liability during travel
€100K
Covers the insured's legal liability for property damage and personal injury caused to third parties during private (non-business) activities while travelling, as a lump sum of up to EUR 100,000, of which property damage in rented rooms (including inventory) is capped at EUR 25,000.
Section: Odgovornost zasebnika na potovanju
17. Odškodnina za osebne in stvarne škode pavšalno do € 100.000,- od tega stvarna škoda v najetih sobah (vključno z inventarjem) do € 25.000,-
Legal assistance
No limit stated
No standalone legal assistance cover was found; defence costs against liability claims are covered only as part of the personal liability section.
Section: E: Odgovornost zasebnika na potovanju > Člen 27
Zavarovanje krije sodne in izvensodne stroške ugotavljanja in obrambe pred odškodninsko odgovornostjo, ki jo zahteva tretja oseba, ki je v danih okoliščinah nujna, tudi če se naknadno izkaže, da je zahtevek neupravičen.
24/7 emergency assistance
Covered
A 24-hour emergency hotline organizes and directly pays for necessary services such as hospitalization, home transport, or repatriation.
Section: C: Zdravstvene storitve v tujini > Člen 21
Če so storitve po točki 2.1. ali 2.3. do 2.10. potrebne, in se obrnete na 24-urno dežurno številko zavarovalnice, bo zavarovalnica organizirala potrebne ukrepe in plačala potrebne stroške neposredno ponudniku storitev.
Key conditions
Assistance call deadline
For hospitalization, day-hospital or repeated outpatient treatment, home transport, repatriation, or burial at the place of the event, the insurer's 24-hour hotline must be called as soon as possible for instructions.
Unauthorized treatment
If the insured paid for outpatient/hospital services themselves and holds social security cover for them but fails to first claim from the social security fund, the insurer's indemnity is reduced by 20%.
Purchase while abroad
Insurance must be concluded before the start of the trip; conclusion during the trip is allowed only by special agreement with the insurer.
Chronic conditions
Treatment and transport in connection with pre-existing illnesses or accident consequences are excluded from cover.
Pregnancy
Unexpected serious pregnancy complications and unexpected premature birth are covered up to and including week 35 of pregnancy; termination of pregnancy and complications after week 35 are excluded.
Pre-existing condition exclusions
Certain illnesses are not covered if they were treated in hospital within 12 months before the insurance was taken out (for cancellation) or before the trip started (for interruption); treatment/transport for existing illnesses is generally excluded.
Coverage duration limit
Cover applies to a single trip of at most 31 days, for the selected insurance period; it begins when the insured leaves their main residence, secondary residence or regular workplace and ends upon return or upon earlier expiry of the insurance.
SourcePage 1Section: Katere storitve so zavarovane?
Zavarovanje velja za potovanje, ki traja največ 31 dni.
Direct payment
For services under Art. 21.2.1 and 21.2.3-2.10 the insurer, once its 24-hour hotline is contacted, organizes the necessary measures and pays the required costs directly to the service provider.
Territorial scope
If 'worldwide' is agreed, cover applies globally except North Korea, Afghanistan, Myanmar, Syria, Venezuela, Russia, Belarus, Crimea, Lugansk, Donetsk and Iran. If 'Europe' is agreed, cover applies to Europe geographically, all Mediterranean countries and islands, Jordan, Madeira, the Azores and the Canary Islands, excluding Syria, Russia, Belarus, Lugansk, Donetsk and Crimea.
Documents
Terms and conditions - Complete travel insurance package (ERV-RVB SLO 2022) (opens in a new tab)
Terms & conditions · PDF
IPID - Complete travel insurance package (opens in a new tab)
Product information sheet · PDF
Description of benefits - Complete travel insurance package (opens in a new tab)
Table of benefits · PDF
Product page - Complete travel insurance package (opens in a new tab)
Other document · PDF
Frequently asked questions - Complete travel insurance package (opens in a new tab)
Other document · PDF
Download service - policy documents (opens in a new tab)
Other document · PDF
Policy specifics
Trip cancellation
Coverage for trip cancellation and interruption costs, including non-refundable deposits
SourceSource no longer reachableTravel medical expenses
Coverage for healthcare costs including ambulatory and hospital treatment up to 500,000 EUR, emergency transport and repatriation
SourceSource no longer reachableLuggage and baggage coverage
Coverage for damage, loss or theft of personal travel luggage: up to EUR 2,000 per person / EUR 4,000 per family; delayed baggage: up to EUR 200 per person / EUR 400 per family
SourceSource no longer reachableGeographic coverage - Europe option
Coverage scope for Europe includes Europe geographically, all Mediterranean countries and islands, Jordan, Madeira, Azores, and Canary Islands; excludes Syria, Russia, Belarus, Crimea, Lugansk and Donetsk
SourceSource no longer reachableWaiting period for cancellation coverage
If insurance is taken out after 3 days from booking, cancellation coverage only applies to events occurring after 10 days from insurance inception (exceptions: accident, death, natural disaster)
SourceSource no longer reachablePre-existing condition exclusion
Certain diseases are not covered if they were treated in hospital within 12 months before insurance inception (for cancellation) or before trip start (for interruption)
SourceSource no longer reachableBusiness travel limitation
Complete travel package can cover business travel but excludes business luggage and professionally required manual activities during travel
SourceSource no longer reachableSources
- service.europaeische.athttps://service.europaeische.at/doc/sl/Opis_storitev_CelostnoZavarovanjeSLO-PIB-SLKS_2022-SL-001.pdf#page=1(opens in a new tab)
- service.europaeische.athttps://service.europaeische.at/doc/sl/Pogoje_CelostnoZavarovanjeSLO-AVB-SLKS_2022-SL-001.pdf#page=1(opens in a new tab)
- service.europaeische.athttps://service.europaeische.at/doc/sl/Pogoje_CelostnoZavarovanjeSLO-AVB-SLKS_2022-SL-001.pdf#page=2(opens in a new tab)
- service.europaeische.athttps://service.europaeische.at/doc/sl/Pogoje_CelostnoZavarovanjeSLO-AVB-SLKS_2022-SL-001.pdf#page=3(opens in a new tab)