Verified offer

Generali

Name: Generali Travel insurance
Brand: Generali
Price: 8.44 EUR
Availability: InStock

Generali is a travel insurance for the SI market with online purchase and 24/7 assistance.

Last verified May 21, 2026T&C from 2024-06-15GENERALI zavarovalnica d.d.

Online purchase24/7 helpline

Direct payment

Claims from TUJINA Osnovno are paid directly to service providers. If the insured pays costs abroad personally, reimbursement is made within 14 days of receiving complete documentation upon return to Slovenia, upon submission of original invoices.

Geographic scope

Worldwide (all countries except the country of the insured's permanent residence). Optional narrower coverage for Balkan region (Croatia, Bosnia and Herzegovina, Serbia, North Macedonia, Montenegro) or Slovenia and bordering countries for foreign residents working in Slovenia.

Starting from

€8

Unique selling points

Coverage insured sum up to EUR 1,000,000 for medical expenses worldwide, among the highest limits available in the Slovenian market.
COVID-19 treatment and quarantine accommodation costs included at no additional premium, within the standard insured sum.
24/7 assistance centre staffed in the Slovenian language with a proprietary global network of contracted doctors and medical providers.
Modular product: the base TUJINA Osnovno can be combined with up to six optional add-ons (travel disruption, accident, liability, trip cancellation, trip interruption, card fraud) for fully tailored cover.
Search and rescue costs in mountains and at sea covered up to EUR 20,000, included in the base product without requiring a separate sports add-on for standard recreational activities.

Coverage limits

Medical expenses (total TUJINA Osnovno insured sum)

Covered

Covers all costs of emergency medical care, doctor visits, emergency treatment, medications and medical supplies prescribed by a doctor, resulting from accident or illness abroad. The total insured sum across all TUJINA Osnovno coverages ranges from EUR 30,000 (Combination A, Balkan F) to EUR 1,000,000 (Combination E). Acute worsening of chronic diseases is covered but subject to an additional sub-limit (see chronic disease constraint).

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Emergency medical treatment

Covered

Covers costs of emergency treatment resulting from accident or illness in a foreign country, up to the date the insured's health condition allows transport home or departure from the country where the illness or accident occurred. Includes treatment for acute worsening of chronic conditions, subject to the chronic disease sub-limit.

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Hospitalization

Covered

Hospitalization is covered as part of the TUJINA Osnovno emergency treatment benefit, within the overall insured sum. No separate hospitalization sub-limit is specified; it is subject to the overall TUJINA Osnovno insured sum. Activation of some additional coverages (companion transport, family member visit) requires hospitalization for more than 7 days.

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Outpatient treatment and doctor visits

Covered

Costs of emergency outpatient medical care and doctor visits resulting from accident or illness abroad are covered within the overall TUJINA Osnovno insured sum. No separate sub-limit is set for outpatient care.

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Emergency dental treatment

Covered

Covers costs of emergency dental care needed to relieve acute pain due to illness or fresh injury to natural teeth, including tooth extraction. Sub-limit applies per policy period: EUR 100 (Combinations A and F), EUR 200 (B), EUR 300 (C), EUR 400 (D and E). Non-emergency dental services and damage to dental prosthetics are excluded.

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Medical transport (to nearest hospital and back)

Covered

Covers costs of transport to the nearest hospital or clinic and back to the place of accommodation abroad. Also covers emergency transport and related search and rescue costs in mountains and at sea (sub-limit: EUR 5,000–20,000 depending on combination). Transport costs are covered only when medically necessary and with Assistance Centre coordination.

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Medical evacuation and repatriation to home country

Covered

Covers costs of transport (repatriation) to the insured's home country when the health condition allows transport and it is not possible to return in the originally planned manner. Requires prior approval of the Assistance Centre. For COVID-19 cases, costs of return home if unable to return as planned due to isolation/quarantine are also covered.

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Repatriation of mortal remains

Covered

Covers costs of transporting the insured's mortal remains from abroad to the home country. Included in TUJINA Osnovno within the overall insured sum. No separate sub-limit stated.

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Search and rescue in mountains and at sea

Covered

Covers costs of search operations after distress, unforeseen illness, injury or death (official search action required), and costs of rescue after being located, including transport from the accident site to the nearest health institution abroad. Sub-limit per policy period: EUR 5,000 (Combinations A and F), EUR 10,000 (B), EUR 15,000 (C), EUR 20,000 (D and E). Mutually exclusive with the 'transport to nearest hospital' coverage.

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COVID-19 treatment

Covered

COVID-19 illness and SARS-CoV-2 infection are covered under TUJINA Osnovno, within the overall insured sum, without additional premium. Also covers accommodation costs during quarantine/self-isolation and transport home if unable to return as planned due to quarantine. Preventive testing costs and quarantine costs if the insured (travelling alone) was in contact with an infected person but is not themselves infected are excluded.

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Pre-existing / chronic conditions (acute worsening only)

Conditional

Worsening of pre-existing conditions (illnesses already treated or not fully resolved before departure) is generally excluded. However, acute worsening of chronic diseases, chronic states, and recurring illnesses IS covered, but subject to a mandatory sub-limit: EUR 1,000 (Combinations A and F), EUR 2,000 (B), EUR 3,000 (C), EUR 4,000 (D and E). This sub-limit applies collectively to all coverages in that claim event. Standard pre-existing conditions (e.g. wound dressing, flu) remain excluded.

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Winter sports coverage

Conditional

Standard recreational winter sports on groomed slopes are covered under TUJINA Osnovno (medical expenses from accident or illness). Certain winter sports activities require an additional premium surcharge to be noted on the policy: off-piste skiing, ski touring, heliskiing, acrobatic skiing, ski jumping. Without the surcharge, these activities are excluded. Standard on-piste skiing accidents are covered within the general medical coverage.

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Adventure and recreational sports coverage

Conditional

General recreational sports for personal recreation are covered. Recreational sports for competition purposes and a specific list of high-risk sports (e.g. diving, kitesurfing, bungee jumping, base jumping, canyoning, off-piste skiing, whitewater kayaking, ultra marathon, downhill biking) are excluded unless a sport-specific surcharge is agreed and noted on the policy. Professional sports are always excluded (unless specially agreed). Alpinism, skydiving, motorized aviation, cave diving, and expeditions to unexplored areas are always excluded.

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Pregnancy complications

Conditional

Pregnancy, routine prenatal check-ups, typical pregnancy-related conditions, and delivery after the 37th week of pregnancy are excluded. Coverage is provided only in the event of an emergency to save the life of the mother or the child. Costs arising after return to the home country are also excluded.

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Personal liability (TUJINA Odgovornost)

Optional

Optional additional coverage (TUJINA Odgovornost). Covers the insured's liability for sudden and unexpected bodily injury or property damage caused to third parties during travel abroad. Insured sum: EUR 20,000 (Combination F/Balkan) to EUR 100,000 (Combinations C, D, E) or EUR 25,000 (A) / EUR 50,000 (B). A deductible of 10% (minimum EUR 50) applies. Excluded: professional activities, motor vehicles, damage to family members, financial loss, weapons, pets, environmental pollution.

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Legal assistance organization (within TUJINA Potovanje)

Optional

Within the optional TUJINA Potovanje add-on, the Assistance Centre organizes legal help by providing names and addresses of lawyers and law firms for the insured's legal defence if criminally or civilly prosecuted in the travel country for negligent damage to third parties or unintentional violation of local laws in a private capacity. Organization costs are covered; costs of the legal defence itself are not covered.

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24/7 Assistance Centre services

Covered

Included in TUJINA Osnovno. The Assistance Centre is accessible 24 hours a day, 7 days a week in the Slovenian language. Services include: organization of emergency medical assistance and emergency medical transport, notification of the insured and their relatives, coverage of telephone costs for urgent calls to the Assistance Centre. Generali's Assistance Centre has its own network of contracted doctors and medical service providers worldwide. Contact: +386 5 66 28 500. All TUJINA Osnovno coverages must be invoked by calling the Assistance Centre.

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Key conditions

Assistance call deadline

In the event of a TUJINA Osnovno insurance event, the Assistance Centre (+386 5 66 28 500) must be contacted as soon as possible. In case of hospitalization, calling the Assistance Centre is a mandatory prerequisite for coverage. If costs were paid personally (not for hospitalization), the claim must be reported within 3 days of return to Slovenia. Failure to follow Assistance Centre instructions is grounds for exclusion from coverage.

Unauthorized treatment

Services provided without the authorization and/or involvement or approval of the Assistance Centre are not covered. Rejection of recommended treatment or refusal of transport home as directed by the Assistance Centre leads to exclusion from coverage. All medical obligations under TUJINA Osnovno must be coordinated through the Assistance Centre.

Purchase while abroad

The policy must be concluded before departure abroad. If the policy is concluded while the insured is already abroad, a 5-day waiting period (carency) applies before coverage begins — coverage starts after 5 days from the policy start date indicated on the policy. This applies to both short-term and annual policies. If renewing while abroad, the policy should be renewed at least 5 days before expiry to avoid the waiting period.

Chronic conditions

Acute worsening of chronic diseases (e.g. heart disease, renal and gallstones, asthma, diabetes), chronic conditions, and recurring illnesses are covered. However, a mandatory additional sub-limit applies: EUR 1,000 (Combinations A and F), EUR 2,000 (B), EUR 3,000 (C), EUR 4,000 (D and E). This sub-limit applies collectively to all coverages under the policy for such a claim event, regardless of the selected overall insured sum. General worsening of pre-existing or recurring conditions that existed before departure (and were not fully resolved) is not covered.

Pregnancy

Pregnancy, routine prenatal check-ups, typical pregnancy conditions, and delivery after the 37th week of pregnancy are excluded from coverage. An exception applies only in the case of emergency to save the life of the mother or the child.

pre_existing_conditions

Worsening of pre-existing conditions (illnesses already treated, present but not fully resolved before conclusion of the insurance or before departure) is excluded, as are all medical measures related to any illness or condition that existed before the conclusion of the insurance. Exceptions: chronic diseases, chronic conditions, and recurring illnesses (only acute worsening covered, subject to sub-limit). Standard pre-existing conditions such as post-operative wound dressing, viral infections, flu, and fever are also excluded.

coverage_duration_limit

Single-trip policies can cover trips from 1 day up to 1 year. Annual multi-trip policies cover an unlimited number of trips throughout the policy year, but each individual stay abroad must not exceed 90 days. The policy must be concluded before departure. Coverage ends at the expiry of the day indicated as the policy end date.