Extracted from source documents

GRAWE Travel insurance (Grawe Turist)

Underwritten by GRAWE zavarovalnica d.d. · Slovenia

travel insurance from GRAWE for the Slovenia market, with 24/7 assistance.

Verified Aug 22, 2026 · Terms dated 2023-01-01Sources

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Key facts

Medical transport up to €30,000 – €250,000
Personal liability up to €25,000 – €150,000
Starting price: €6.81per tripAs published by the insurer — it does not say who the price is for

Unique selling points

The top POLNI package provides a medical/assistance sum insured of up to 250,000 EUR, well above the entry-level 30,000 EUR tier.

Sudden acute worsening of pre-existing chronic illness while abroad is covered up to 4,000 EUR on the top tier, a benefit many competing basic policies exclude entirely.

Search and rescue costs are covered up to 15,000 EUR on the POLNI package, well above typical minimum levels.

A dedicated, lower-priced BALKAN package (from 6.81 EUR) is offered for travel within the Balkan region.

An annual multi-trip policy option covers an unlimited number of trips of up to 90 days each.

Coverage limits

Covered

Medical expenses (overall sum insured)

€30K – €250K

Overall sum insured per package for medical treatment and assistance abroad: OSNOVNI 30,000 EUR, STANDARD 60,000 EUR, POLNI 250,000 EUR, BALKAN 30,000 EUR.

Source no longer reachable

Covered

Emergency outpatient treatment

€30K – €250K

Covers costs of urgent outpatient treatment, necessary medicines and medical aids prescribed by a doctor, within the overall package sum insured (30,000-250,000 EUR depending on tier).

Clause 2.1Page 2

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 2. Stroški ambulantnega zdravljenja

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v ambulantni ustanovi, nakupa nujnih zdravil in nujnih zdravniških pripomočkov, izdanih na zdravniški recept ali predpisanih na zdravniškem izvidu.

Covered

Hospitalization / inpatient treatment

€30K – €250K

Covers costs of necessary emergency hospital treatment, operations and related urgent services until the insured is fit to be transported home, within the overall package sum insured.

Clause 3.1Page 3

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 3. Stroški bolnišničnega zdravljenja

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v bolnišnici, nujnih operativnih posegov in drugih nujnih storitev, ki so v povezavi z nujnim zdravljenjem.

Covered

Outpatient treatment

€30K – €250K

Outpatient treatment costs abroad are covered within the overall package sum insured (same envelope as medical expenses).

Clause 2.1Page 2

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 2. Stroški ambulantnega zdravljenja

V okviru zavarovalne vsote so zavarovani izključno stroški nujnega zdravljenja v ambulantni ustanovi, nakupa nujnih zdravil in nujnih zdravniških pripomočkov, izdanih na zdravniški recept ali predpisanih na zdravniškem izvidu.

Covered

Emergency dental treatment

€100 – €300

Covers only urgent dental treatment needed to relieve acute pain, up to 100/200/300/100 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). Dentures and fillings are excluded. Insured pays first and is reimbursed against original invoices.

Clause 4.1Page 3

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 4. Stroški zobozdravstvenih storitev

V okviru zavarovalne vsote so v primeru bolezni ali poškodbe zobovja v tujini zavarovani izključno stroški nujnega zdravljenja, potrebnega za odpravo akutne bolečine. Stroški kakršnih koli zobnih protez ali zalivk so iz zavarovanja izključeni.

Covered

Emergency medical transport

€30K – €250K

Covers one medically necessary transport to the nearest hospital abroad and back to accommodation, within the overall package sum insured. Transport by air ambulance (Ambulance Jet) is not covered.

Clause 5.1Page 3

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 5. Prevoz v bolnišnico

V okviru zavarovalne vsote so zavarovani stroški enkratnega medicinsko potrebnega prevoza zavarovanca na ambulantno ali stacionarno zdravljenje v najbližjo bolnišnico in nazaj do mesta nastanitve v tujini, če tak prevoz ni krit že v okviru javnega sistema zdravstva.

Covered

Medical repatriation / evacuation

€30K – €250K

Covers transport home when local medical care is insufficient, ordered by the assistance doctor, within the overall package sum insured; economy-class air travel costs are covered. Transport by air ambulance (Ambulance Jet) is explicitly excluded.

Clause 6.1Page 3

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 6. Prevoz v domovino

Zavarovanje krije stroške prevoza zavarovanca v domovino, ki ga odredi asistenčni zdravnik, če v obiskanem kraju ali v bližnji okolici ni mogoče nuditi zadostne medicinske oskrbe in to lahko vpliva na poslabšanje zavarovančevega zdravja.

Covered

Repatriation of mortal remains

€30K – €250K

Covers return of mortal remains, costs of formalities abroad, a basic coffin for international transport, or organization of a funeral at the place of death, within the overall package sum insured.

Clause 12.1Page 3

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 12. Prevoz posmrtnih ostankov, organizacija pogreba v tujini

V primeru smrti zavarovanca v tujini nudi zavarovalnica storitev pomoči in krije stroške vrnitve posmrtnih ostankov, stroške posmrtnih postopkov v tujini, osnovno zahtevano krsto za mednarodni prevoz in za prevoz zavarovančevega trupla ali pepela na kraj zavarovančevega pogreba v Sloveniji.

Covered

Search and rescue costs

€5K – €15K

Covers search costs when an official search action is started, and rescue/transport costs from the accident site to the nearest medical facility, up to 5,000/10,000/15,000/5,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN).

Source no longer reachable

Covered

COVID-19 / epidemic-pandemic related treatment

Covered

Cover for epidemic/pandemic illness (incl. Covid-19) is provided within medical treatment, trip cancellation and trip interruption cover. Additional quarantine accommodation costs are covered up to 7 nights, max 100 EUR/night (individual) or 250 EUR/night (family policy).

Clause 14.1Page 4

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 14. Dodatni stroški namestitve v primeru karantene

Kritje je omejeno na največ sedem (7) nočitev, cena dnevne nastanitve pa s 100 €/nočitev (individualno zavarovanje) oz. 250 €/nočitev (družinsko zavarovanje).

Conditional

Acute exacerbation of pre-existing chronic illness

€1K – €4K

Sudden, unpredictable acute worsening of a pre-existing chronic condition occurring after the start of the trip is covered up to 1,000/2,000/4,000/1,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). However, treatment for heart disease, stroke, cancer, diabetes (type 1+2), migraine, epilepsy or multiple sclerosis is excluded if the insured received in-patient and/or out-patient treatment for it in the 12 months before taking out the policy.

Clause 1.2Page 1

Section: I. UVODNA DOLOČILA > 1. člen > 1. Zavarovane osebe

z naslednjimi boleznimi in obstoječimi obolenji ... srčna obolenja, kap, rak, diabetes (tip 1+2), migrena, epilepsija, multipla skleroza.

Covered

Winter sports (on-piste)

Covered

Ordinary skiing/snowboarding on marked, groomed slopes is covered under standard medical cover. Off-piste skiing/snowboarding, ski touring, heli-skiing, ski jumping/acrobatic skiing and freeride downhill cycling are explicitly excluded, even at a recreational level.

Clause 6.9Page 2

Section: I. UVODNA DOLOČILA > 1. člen > 6. Nezavarovani dogodki

smučanje in deskanje na snegu zunaj urejenih smučišč, turno smučanje ali heliski (heli smučanje, heli skoki),

Excluded

Adventure / extreme sports

Excluded

Excluded even at recreational/amateur level: diving, spearfishing and freediving, kitesurfing/kiteboarding, free climbing, bungee jumping, base jumping, white-water sports (kayak, canyoning, rafting), river bob, alpinism above 3,000 m, caving and cave diving.

Clause 6.9Page 1

Section: I. UVODNA DOLOČILA > 1. člen > 6. Nezavarovani dogodki

Zavarovalno kritje prav tako ne velja za dogodke, do katerih pride pri izvajanju naslednjih športov na amaterski ali rekreativni ravni: potapljanje, podvodni ribolov in potapljanje na dah, kajtanje (kitesurfing, kiteboarding),

Excluded

Pregnancy complications / childbirth

Excluded

Medical care due to pregnancy, childbirth after the 36th week (except to save the life of the mother or child), planned termination of pregnancy, or treatment of the consequences of contraceptive measures is excluded.

Clause 15.4Page 4

Section: II. ZDRAVSTVENO ZAVAROVANJE Z ASISTENCO > 2. člen > 15. Nezavarovani dogodki

zdravniško oskrbo zaradi nosečnosti, porod po 36. tednu (razen ob reševanju življenja matere ali otroka), načrtovane prekinitve nosečnosti ali zdravljenja posledic kontracepcijskih ukrepov;

Covered

Personal liability

€25K – €150K

Covers the insured's civil liability for personal injury or property damage caused to third parties during private, everyday activities while travelling, up to 25,000/50,000/150,000/25,000 EUR (OSNOVNI/STANDARD/POLNI/BALKAN). Liability arising from professional activity, aircraft, and motor vehicles is excluded.

Source no longer reachable

Covered

Legal assistance / interpreter organization

Covered

If the insured is arrested or threatened with arrest abroad, the 24/7 assistance centre helps find a lawyer and an interpreter and assists with arranging bail; the actual costs of legal defence or interpretation and the bail amount itself are not covered.

Clause 7.1Page 5

Section: 7. člen > Organizacija pravne pomoči/prevajalca

Če je zavarovanec na potovanju aretiran oziroma mu grozi aretacija, nudi asistenčni center zavarovalnice pomoč pri iskanju odvetnika in prevajalca ter pomoč pri zbiranju morebitne varščine. Stroški za samo pravno obrambo oz. prevajanje niso predmet zavarovanja.

Covered

24/7 assistance centre

Covered

A 24-hour assistance centre is available for emergencies during travel (phone from Slovenia: 080 26 40; from abroad: +386 1 425 63 25). The insured must contact the centre immediately before arranging help independently.

Clause 8.1Page 2

Section: I. UVODNA DOLOČILA > 1. člen > 8. 24-urni asistenčni center za pomoč v sili

telefonski klic iz Slovenije: 080 26 40 telefonski klic iz tujine (na stroške zavarovanca): +386 1 425 6325

Key conditions

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.

Direct payment

For emergency medical treatment, hospitalization and medically necessary transport/repatriation, the 24/7 assistance centre organizes assistance and generally settles costs directly with the local provider; for emergency dental treatment and quarantine accommodation the insured must pay first and is reimbursed afterwards against original invoices.

Territorial scope

Cover applies in the agreed territory abroad; Slovenia and the country where the insured has permanent or temporary residence are never treated as "abroad".

Documents

General Terms and Conditions GRAWE TURIST (ABRV 2023, effective 1 Jan 2023) (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions GRAWE TURIST (ABRV 2020, superseded) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (IPID) - GRAWE TURIST (opens in a new tab)

Product information sheet · PDF

GRAWE TURIST product brochure with package coverage table (Jan 2023) (opens in a new tab)

Table of benefits · PDF

Policy specifics

Trip cancellation

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

SourceClause 2.1Page 7

Section: IV. ZAVAROVANJE STROŠKOV ODPOVEDI/PREKINITVE POTOVANJA > 11. člen > 2. Zavarovani dogodki

nenadna huda bolezen, slabo prenašanje cepljenja (velja samo za obvezno predpisana cepljenja), poškodba zaradi nezgode ali smrt zavarovanca;

Lost luggage

Coverage for loss or damage to luggage during travel

Source