GRAWE Insurance Company d.d.

Assistance call deadline

The insured must call/notify the 24/7 assistance centre immediately upon occurrence of an emergency, before organizing help independently; if this is not done immediately, the insurer may reject claims not justified by valid medical or technical reasons.

Unauthorized treatment

Costs exceeding the limits set in the terms, or costs not covered under the terms, must be paid by the insured themselves; failure to notify the assistance centre immediately can lead to rejection of otherwise unjustified claims.

Purchase while abroad

If the insured is already abroad when a distance contract is concluded, cover starts on the fourth day after the day the contract was concluded (time zone of the insurer's registered seat applies), provided the full premium was paid and the insured event was not already occurring or had not yet occurred.

Chronic conditions

Cover excludes events related to mental illness, diseases of the nervous system, organ transplants/dialysis and HIV (unless the illness first occurs after conclusion of the policy and requires in-patient treatment). It also excludes heart disease, stroke, cancer, diabetes (type 1+2), migraine, epilepsy and multiple sclerosis if treated in-patient and/or out-patient in the 12 months before the policy was taken out; sudden acute worsening of such conditions after departure remains covered up to a set limit.

Pregnancy

Medical care due to pregnancy, childbirth after the 36th week (except to save the mother's or child's life), planned termination of pregnancy, or treatment of contraception-related consequences is excluded from medical cover. A pregnancy diagnosed only after the policy and travel contract were concluded may be an insured event under the optional trip cancellation cover.

Pre-existing condition exclusions

Pre-existing conditions are illnesses/states the insured was treated for, consulted a doctor about, or was aware of in the 12 months before the trip, plus all chronic diseases. Events that had already occurred or were foreseeable at the start of the trip are excluded; only a sudden, unforeseeable acute worsening arising after departure is covered, up to the tier-specific limit.

Coverage duration limit

For annual (multi-trip) policies, cover applies to an unlimited number of trips, but no single trip may exceed 90 days; if repatriation is impossible due to illness/accident abroad, the insurer's obligation ends at the latest 2 months after the insured event occurred.

Trip cancellation

Coverage for cancellation or postponement of travel due to illness, accident or sudden job loss

Lost luggage

Coverage for loss or damage to luggage during travel

Flight delay

Coverage for delays to flight or ship departure

Liability coverage

Coverage for liability if insured damages or destroys property during vacation

Search and rescue

Coverage for search and rescue expenses

Early return / Late arrival

Coverage for delayed arrival to vacation or early departure due to illness or accident

Geographical scope

Coverage applies worldwide except Slovenia, with certain coverage also applying within Slovenia

24-hour assistance centre

24-hour service centre for emergency assistance during travel

Pre-trip notification requirement

Insured must report circumstances important for risk assessment

Premium payment requirement

Insurance premium must be paid before issuance of insurance policy

Claim notification within 48 hours

For medical-related claims preventing travel, insured must notify insurance company within 48 hours

Right to medical examination

Insurance company may require insured to undergo medical examination by authorized physician