Europäische Reiseversicherung AG (European Travel Insurance), trading in Slovenia as Evropsko.si
Evropsko
Evropsko is a travel insurance for the Slovenia market with no online purchase and 24/7 assistance.
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.
Geographic scope
Europe or worldwide (selectable)
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.
Unique selling points
- Combines cancellation cover, travel medical cover, baggage insurance and personal liability abroad in a single package.
- Medical treatment abroad is covered up to EUR 500,000, 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
€500,000
Covers ambulatory and hospital treatment costs abroad due to unexpected acute illness or accident, up to EUR 500,000.
Emergency medical treatment
€500,000
Covers necessary, proven costs for transport to hospital and ambulatory/hospital emergency treatment abroad, within the overall medical sum of EUR 500,000.
Hospitalization abroad
€500,000
Covers hospital treatment costs including physician-prescribed medication; if return travel is impossible, costs are covered until fit for transport.
Outpatient treatment
€500,000
Covers ambulatory treatment including physician-prescribed medication and pain-relief dental treatment (including simple fillings).
Emergency dental treatment
Covered
Covers emergency pain-relief dental treatment abroad, including simple fillings; dental prosthetics/conservation treatment is excluded.
Medical transport
Covered
Covers transport to hospital and medically necessary transfer transport abroad.
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.
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.
Search and rescue
€10,000
Covers proven search and rescue costs in mountains or at sea, up to EUR 10,000.
COVID-19 / epidemic-pandemic illness treatment
€500,000
Unexpected acute epidemic or pandemic illness (including COVID-19) is explicitly included within the definition of an insured medical event, within the overall medical sum.
Pre-existing conditions
Excluded
Treatment and transport related to pre-existing illnesses or consequences of an accident that existed before the trip are excluded.
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.
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.
Personal liability during travel
Covered
Covers the insured's legal liability for property damage and personal injury caused to third parties during private (non-business) activities while travelling; the specific insured sum is set out in the individual policy schedule rather than in the T&C document itself.
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.
24/7 emergency assistance
Covered
A 24-hour emergency hotline organizes and directly pays for necessary services such as hospitalization, home transport, or repatriation.
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 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.
Documents
Terms and conditions - Complete travel insurance package (ERV-RVB SLO 2022)
Terms & conditions
IPID - Complete travel insurance package
IPID
Description of benefits - Complete travel insurance package
Table of benefits
Product page - Complete travel insurance package
Other document
Frequently asked questions - Complete travel insurance package
Other document
Download service - policy documents
Other document
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, Doneck, and Iran
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 reachable