Merkur Travel insurance (Merkur Popotnik)
Underwritten by Merkur zavarovalnica d.d. · Slovenia
travel insurance from Merkur for the Slovenia market, with online purchase and 24/7 assistance.
Verified Aug 22, 2026 · Terms dated 2022-05-09Sources
Key facts
- Medical transport up to €25,000 – €100,000
Unique selling points
Free unlimited 24/7 remote video consultations with a Slovenian-speaking family medicine doctor (Dr. Merkur) while abroad, at no extra cost.
Extensive COVID-19 cover treating infection like any other illness, including up to 7 nights of quarantine accommodation and rebooked-transport costs up to 1,000 EUR.
Complete package adds exclusive benefits rarely bundled elsewhere: violence-victim compensation, airport lounge reimbursement, pet care costs, and post-return rehabilitation.
Choice of three sum-insured levels (25,000 / 50,000 / 100,000 EUR) lets travellers tailor the level of protection to their trip.
Instant online purchase with coverage able to start on the same day the policy is concluded.
Coverage limits
Medical Care and Health Services
€25K – €100K
100% of insured sum
Covers emergency medical care and doctor visits due to accident or illness abroad, including surgery and all necessary diagnostics, up to the full sum insured selected (25,000, 50,000 or 100,000 EUR).
Section: 4. člen > Zdravstvena oskrba
Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini. Zdravstvena oskrba vključuje tudi operacije in vso potrebno diagnostiko.
Treatment
€25K – €100K
100% of insured sum
Covers necessary treatment costs resulting from an accident (including animal bites/stings) or illness abroad, up to the day the insured is medically fit to be transported home, up to the full sum insured.
Section: 5. člen > Zdravljenje
Kriti so nujni stroški zdravljenja, ki so posledica nezgode (vključno s piki in ugrizi živali) ali bolezni zavarovanca v tujini. Obsegajo zdravljenje do dne, ko zdravstveno stanje zavarovanca dovoljuje prevoz v domovino, kjer lahko z zdravljenem nadaljuje.
Hospitalization
€25K – €100K
100% of insured sum
There is no separate hospitalization sub-limit; hospital treatment (including operations and diagnostics) is covered within the general medical care/treatment benefit up to the full sum insured. Non-standard hospital accommodation (e.g. single room with TV) is excluded.
Section: 4. člen > Zdravstvena oskrba
Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini. Zdravstvena oskrba vključuje tudi operacije in vso potrebno diagnostiko.
Outpatient Treatment
€25K – €100K
100% of insured sum
Doctor visits and outpatient/ambulatory treatment abroad are covered under the medical care benefit up to the full sum insured.
Section: 4. člen > Zdravstvena oskrba
Kriti so nujni stroški medicinske oskrbe in obisk zdravnika, ki so posledica nezgode ali bolezni zavarovanca v tujini.
Emergency Dental Services
€500
Covers urgent dental procedures needed to relieve sudden acute pain from disease or injury to the teeth, including extraction and simple denture repairs, up to a limit of 500 EUR.
Section: 7. člen > Nujne zobozdravstvene storitve
Kriti so stroški nujnih zobozdravstvenih posegov, potrebnih za odpravo nenadne (akutne) bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez. Stroški so kriti do limita 500 EUR.
Transport to Hospital and Back
€25K – €100K
100% of insured sum
Covers transport of the insured to the nearest or most suitable hospital/clinic and back to the original location abroad, using any suitable means of transport including helicopter, up to the full sum insured.
Section: 9. člen > Prevoz do bolnišnice in nazaj
Vključeni so stroški prevoza zavarovanca do najbližje oz. ustrezne bolnišnice ali klinike in nazaj do prvotne lokacije v tujini. Stroški prevoza se nanašajo na vse vrste primernega prevoznega sredstva, vključno s helikopterskim prevozom.
Transport Home (Repatriation)
€25K – €100K
100% of insured sum
Covers transport of an injured or ill insured person back home when their health condition permits and they cannot return as originally planned for health reasons; the assistance doctor decides, in consultation with the treating physician, whether medical supervision is required during transport, up to the full sum insured.
Section: 11. člen > Prevoz v domovino
Kriti so stroški prevoza zavarovanca v domovino, ki je poškodovan ali obolel, če mu to zdravstveno stanje dopušča in se iz zdravstvenih razlogov ne more vrniti v domovino na način, kot je to sprva nameraval.
Repatriation of Mortal Remains
€25K – €100K
100% of insured sum
In the event of death abroad, covers the return of mortal remains, funeral procedures abroad, a basic coffin required for international transport, and transport of the body or ashes to the place of burial in Slovenia, up to the full sum insured.
Section: 13. člen > Prevoz posmrtnih ostankov v domovino
V primeru smrti zavarovanca v tujini zavarovalnica nudi 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.
Search and Rescue
No limit stated
No dedicated mountain/sea search-and-rescue benefit is mentioned in the terms and conditions or IPID; only transport to hospital (which may include helicopter transport) is explicitly covered.
COVID-19 Coverage
€25K – €100K
100% of insured sum
Infection with SARS-CoV-2 abroad is covered like any other new illness, up to the full sum insured, including the diagnostic test regardless of result. Additionally, quarantine/self-isolation accommodation is covered up to 170 EUR/night for a maximum of 7 nights, and rebooked transport costs are covered up to 1,000 EUR if return home is delayed due to infection.
Section: 16. člen > Covid-19
Okužba s SARS-CoV-2 (Covid-19) v tujini se krije na enak način kot za druge nove bolezni, in sicer do polne zavarovalne vsote.
Pre-existing Conditions
Excluded
The IPID explicitly lists pre-existing diseases and injuries among what is not insured, and the T&Cs exclude worsening of pre-existing or recurring illnesses already treated before the policy start or departure. The sole carve-out is a sudden, unexpected acute exacerbation of a chronic disease, which is covered up to 3,000 EUR (see the chronic-illness-exacerbation constraint).
Section: Kaj ni zavarovano?
× predobstoječe bolezni in poškodbe
Winter Sports Cover
€25K – €100K
100% of insured sum
Medical/accident costs from winter sports practiced on marked, groomed ski slopes are covered under the general accident/medical benefit up to the full sum insured; skiing/snowboarding off-piste or heli-skiing is explicitly excluded. Civil liability claims specifically related to winter sports accidents are separately capped at 10,000 EUR.
Section: 24. člen > Civilna odgovornost
Zahtevki civilne odgovornosti v zvezi z zimskimi športnimi nesrečami so omejeni na limit 10.000 EUR.
Adventure/Extreme Sports Cover
Excluded
Excluded: motorsport competitions/track driving, sport aviation, parachuting, hang-gliding, alpinism, caving, kitesurfing (unless specifically agreed on the policy), free climbing, mountaineering/trekking above 3,000 m altitude, diving and spearfishing, off-piste skiing/snowboarding or heli-skiing, downhill mountain biking, other sports competitions/training, and generally any extreme sport or activity carrying materially above-average risk, or expeditions into unconquered/unexplored areas.
Section: 25. člen > Splošne izključitve
pri kajtanju (kitesurfing, kiteboarding), če to v polici ni posebej dogovorjeno; pri prostem plezanju; pri planinarjenju in trekingu nad tri tisoč metrov nadmorske višine; pri potapljanju in podvodnem ribolovu; pri smučanju in deskanju na snegu izven urejenih smučišč ali heliskiingu; pri spustu s kolesi (downhill);
Pregnancy Complications
€25K – €100K
100% of insured sum
Routine pregnancy check-ups, typical pregnancy discomforts, and birth after the 37th week are excluded, as is prevention or termination of pregnancy. Coverage applies only where treatment is required to save the life of the mother or child, up to the full sum insured.
Section: 26. člen > Posebne vrste izključitev
nosečnostjo, rednimi pregledi v času nosečnosti, tipičnimi težavami v času nosečnosti, porodom po 37. tednu nosečnosti, razen v primeru reševanja življenja matere oziroma otroka;
Civil (Personal) Liability
€25K – €100K
100% of insured sum
Included only in the Complete package (Popolni paket), not in the Basic package. Covers civil liability damage claims from third parties (including legal costs) for sudden, unexpected accidents caused by the insured resulting in bodily injury or property damage, up to the full sum insured; liability claims arising from winter-sports accidents are capped at 10,000 EUR. Key exclusions include claims from motor vehicles, aircraft or watercraft (except sailboards/rubber boats up to 3m), damage to rented/borrowed property, and liability from the insured's professional activity.
Section: 24. člen > Civilna odgovornost
Zavarovanje krije škodo zaradi civilnopravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi relevantnimi stroški), ki jih tretje osebe uveljavljajo proti zavarovancu zaradi nenadnega in nepričakovanega škodnega dogodka (nesreče), za katerega odgovarja zavarovanec
Legal Assistance
€25K – €100K
100% of insured sum
There is no standalone legal-expenses benefit for the insured's own disputes. Legal costs (attorney's fees and other relevant expenses) are covered only as part of the Civil Liability benefit (Complete package only), i.e. costs of defending the insured against third-party liability claims, up to the full sum insured.
Section: 24. člen > Civilna odgovornost
Zavarovanje krije škodo zaradi civilnopravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi relevantnimi stroški), ki jih tretje osebe uveljavljajo proti zavarovancu
24/7 Assistance
Covered
The insurer provides medical and travel assistance 24 hours a day, 7 days a week via a dedicated phone line (+386 1 300 55 00); the insured must contact the assistance centre immediately before arranging help independently, except where costs do not exceed 250 EUR.
Section: 36. člen > Prijava zavarovalnega primera
Asistenca je 24 ur na dan in 7 dni v tednu dosegljiva na telefonski številki +386 1 300 55 00.
Key conditions
Assistance call deadline
The insured must immediately call/notify the insurer's assistance centre before organizing their own help; notification is not required if costs do not exceed 250 EUR. Separately, failure to notify the insurer of a claim within 3 days of the onset of the illness or injury (absent objective reasons) allows the insurer to deny costs.
Unauthorized treatment
No costs are covered for services provided by any party that is not a contractual partner of the assistance company, or for services performed without the assistance company's authorization, involvement or approval.
Purchase while abroad
The policy must be concluded before departure abroad. If concluded while the insured is already abroad, coverage for accidents starts after a 1-day waiting period, and for illness after a 3-day waiting period from conclusion.
Chronic conditions
Worsening of pre-existing or recurring chronic illnesses already treated (or not fully resolved) before the policy start/departure is excluded, except for a sudden, unexpected acute exacerbation of a chronic disease, which is covered up to 3,000 EUR.
Pregnancy
Routine pregnancy check-ups, typical pregnancy discomforts, birth after the 37th week, and prevention/termination of pregnancy are excluded, except when treatment is necessary to save the life of the mother or child.
Pre-existing condition exclusions
Pre-existing diseases and injuries are explicitly listed as not covered. The only carve-back is a sudden, unexpected exacerbation of a chronic illness, covered up to 3,000 EUR.
Coverage duration limit
Under an annual policy, an unlimited number of trips abroad per insurance year are covered, but a single stay abroad must not exceed 90 consecutive days; short-term policies have no such per-trip duration limit.
Direct payment
Emergency medical assistance is arranged and settled directly by the insurer's 24/7 assistance centre without upfront payment by the insured, provided the assistance centre is notified immediately; if costs do not exceed 250 EUR, notification is not required and the insured pays first and is reimbursed after returning home.
Territorial scope
The insurance is valid worldwide, except in the Republic of Slovenia.
Documents
Policy specifics
COVID-19 Coverage
Comprehensive COVID-19 coverage treating infection like other acute illnesses, including test costs, quarantine/isolation costs up to 7 nights (max €170/night), and transport repatriation up to €1,000 if return home delayed due to infection
SourceClause 16. členPage 2Section: 16. člen > Covid-19
Kriti so stroški karantene ali samoizolacije, če je zavarovanec okužen (pozitivni test) s Covid-19. Stroški obsegajo ekonomsko namestitev nočitve z zajtrkom, in sicer do konca samoizolacije ali karantene do največ 7 (sedem) nočitev, do limita 170 EUR na noč.
Free Remote Video Consultation with Dr. Merkur
Complimentary remote video consultation with family medicine physician in Slovenian language available 24/7 during travel abroad
SourceSection: Header Popotnik > Merkur Popotnik
Turistično zavarovanje Merkur Popotnik brezplačno vsebuje tudi pogovor z zdravnikom družinske medicine na daljavo dr. Merkur! ... sedaj se lahko kjerkoli v tujini prepričate, da je z vami vse v redu - preko video klica z zdravnikom v slovenskem jeziku!
Emergency Medical Repatriation
Coverage for emergency transport to home country in case of serious medical condition; included with 24/7 medical assistance services coordinated by insurance company assistance centre
SourcePage 1Section: Kaj je zavarovano? > Prevozi
povratek v domovino v primeru smrti ali resnega zdravstvenega stanja družinskega člana
Sudden Exacerbation of Chronic Illness
Coverage for sudden unexpected worsening of pre-existing chronic diseases while abroad
SourcePage 1Section: Kaj je zavarovano? > Medicinska oskrba in zdravstvene storitve
nenadno poslabšanje kroničnih bolezni
Post-Return Rehabilitation Coverage
Coverage for rehabilitation costs up to €300 following travel injury/illness when referred by personal or designated physician after return home
SourceSection: FAQ popotnik - 1 > Podrobneje o ekskluzivnih kritjih Merkur Popotnik
Če ste na potovanju utrpeli poškodbo ter ste po vrnitvi s strani osebnega ali imenovanega zdravnika napoteni na zdraviliško zdravljenje, vam Merkur zavarovalnica krije stroške rehabilitacije do višine 300 evrov.
Violence Victim Compensation
Financial compensation if insured becomes victim of violence abroad
SourceSection: Popotnik - moglichkeiten > Prednosti turističnega zavarovanja Merkur Popotnik
Če v tujini postanete žrtev nasilja, vam izplačamo finančno nadomestilo.
Airport Lounge Cost Reimbursement
Reimbursement of airport lounge costs on all world airports when flight cancelled or postponed
SourceSection: Popotnik - moglichkeiten > Prednosti turističnega zavarovanja Merkur Popotnik
Povračilo stroškov letališkega salona ob odpovedi ali prestavitvi leta na vseh letališčih sveta.
Pet Care Coverage
Coverage for pet care costs up to €100 if insured is detained abroad due to medical/health care needs
SourceSection: FAQ popotnik - 1 > Podrobneje o ekskluzivnih kritjih Merkur Popotnik
V primeru zadržanja v tujini zaradi medicinske oskrbe ali zdravstvene oskrbe, vam nudimo kritje stroškov do 100 evrov za oskrbo vaših hišnih ljubljenčkov.
Personal Document Replacement
Coverage up to €200 for costs of new/temporary personal documents if lost, damaged by accident, or stolen abroad
SourceClause 22. členPage 3Section: 22. člen > Izguba ali kraja dokumentov
Stroški so kriti do limita 200 EUR.
Baggage Loss and Damage
Coverage for theft and damage to baggage while abroad
SourceClause 23. členPage 3Section: 23. člen > Kraja in poškodba prtljage
Če je zavarovancu v tujini protipravno odtujena prtljaga (npr. zaradi tatvine, ropa ali roparske tatvine), mu pripada zavarovalnina kot nadomestilo za nastalo škodo.
Companion Transport and Stay
Covers transport and accommodation costs, up to 2,000 EUR, for a person who stays with the insured at their request or on the treating physician's recommendation, or for a close relative travelling to the place of hospitalization.
SourceClause 10. členPage 2Section: 10. člen > Prevoz in bivanje spremljevalca
Kriti so stroški prevoza v domovino in stroški bivanja za osebo, ki na zahtevo oz. prošnjo zavarovanca oziroma po priporočilu lečečega zdravnika ostane v spremstvu zavarovanca. ... Stroški so kriti do limita 2.000 EUR,
Return Home on Death or Serious Illness of a Family Member
Covers the cost of organizing and returning the insured home, up to 750 EUR, in the event of the death or sudden, unexpected hospitalization of a defined family member.
SourceClause 14. členPage 2Section: 14. člen > Povratek v domovino v primeru smrti ali resnega zdravstvenega stanja družinskega člana
V primeru smrti ali resnega zdravstvenega stanja družinskega člana so kriti stroški organizacije in vrnitve zavarovanca v domovino. ... Stroški so kriti do limita 750 EUR.
Flight Delay Due to Natural Disaster
Covers costs (up to 500 EUR, and up to the cost of a new flight ticket) arising from missing a flight abroad due to a natural disaster (e.g. earthquake, landslide, flood, drought, hail) objectively preventing timely arrival at the airport; not payable if the insured was negligent in organizing their trip to the airport.
SourceClause 21. členPage 2Section: 21. člen > Zamuda leta zaradi naravne nesreče
Kriti so stroški nastali v povezavi z zamudo leta zaradi naravne nesreče, ki zavarovancu objektivno prepreči pravočasen prihod na letališče v tujini. Stroški so omejeni z višino zneska za nakup nove letalske karte in zavarovalne vsote.
Mandatory Assistance Centre Notification
In case of insurance claim, insured must immediately contact (call or notify) insurance assistance centre before arranging own help. Notification not required when costs do not exceed certain thresholds
SourcePage 2Section: Kakšne so moje obveznosti?
Ob nastanku zavarovalnega primera mora zavarovanec takoj (preden si sam organizira pomoč) poklicati oziroma obvestiti asistenco zavarovalnice, od koder se organizira asistenčna pomoč. Obvestilo ni potrebno, kadar stroški ne presegajo 250 EUR.
Individual vs. Family Coverage Distinction
Product offers two coverage types: Individual (single person or group of unrelated persons) and Family (related persons: spouses, partners in registered unions, children/grandchildren up to age 26)
SourceClause 3. členPage 1Section: 3. člen > Osnovno o zavarovanju
Pri posamičnem zavarovanju je zavarovanec oseba, ki je navedena na polici oz. v prilogi k polici. Pri družinskem zavarovanju so zavarovanci osebe, ki so navedene na polici in so med seboj v družinskem razmerju: zakonec, zunajzakonski partner ali partner iz druge pravno priznane skupnosti in njihovi otroci, vnuki, pastorki ali posvojenci do 26. leta starosti.
Annual vs. Short-Term Coverage Duration
Insurance offered in two duration options: Annual coverage providing unlimited trips abroad within one calendar year (max 90 days per single trip), or Short-term coverage with no per-trip duration limits
SourceClause 3. členPage 1Section: 3. člen > Osnovno o zavarovanju
Pri letnem zavarovanju je podano kritje za neomejeno število odhodov v tujino v enem zavarovalnem letu, s tem da posamezno nahajanje v tujini ne sme trajati več kot 90 dni naenkrat. Pri kratkoročnem zavarovanju te omejitve ni.
Three Coverage Limit Tiers
Insured must select one of three coverage amount options: €25,000, €50,000, or €100,000. This limit represents maximum insurer obligation for claims in single insurance event
SourceSection: Card grid big - popotnik > Možnosti sklenitve zavarovanja
Prilagodite zavarovanje svojim potrebam z izbiro zavarovalne vsote v treh višinah: 25.000 €, 50.000 € ali 100.000 €.
Country of Permanent Residence Exclusion
Insurance valid worldwide except in insured's country of permanent residence
SourcePage 2Section: Kje velja zavarovanje?
Zavarovanje velja po vsem svetu, razen v Sloveniji.
Premium Payment Timing
The policy must be concluded before departure. If it is concluded while the insured is already abroad, accident cover starts after 1 day and illness cover after 3 days from conclusion.
SourcePage 1Section: Ali je kritje omejeno?
Zavarovanje je potrebno skleniti pred odhodom zavarovanca v tujino. V kolikor se zavarovanec ob sklenitvi zavarovanja nahaja v tujini, prične zavarovalno kritje za nezgode veljati po preteku 1 (enega) dne, za primer bolezni pa po 3 (treh) dneh od sklenitve zavarovanja
Qualifying Travel Type Definition
Insurance covers tourist travel, business travel, or professional travel. Specific occupational or high-risk activities may have additional restrictions
SourceClause 3. členPage 1Section: 3. člen > Osnovno o zavarovanju
Zavarovanje je mogoče skleniti kot letno ali kratkoročno zavarovanje. Kot potovanje se šteje turistično, službeno ali poslovno potovanje.
Maximum Insurable Age
Only individuals who will not be older than 75 years at the expiry of the insurance may be insured; persons permanently and fully unfit for work, or with severe neurological or mental illness, cannot be insured under this policy.
SourceClause 28. členPage 4Section: 28. člen > Osebe, ki se lahko zavarujejo
V skladu s temi splošnimi pogoji se lahko zavarujejo fizične osebe, ki ob izteku zavarovanja ne bodo stare več kot 75 let. ... Zavarovati se ne morejo in v nobenem primeru niso zavarovane osebe, ki so trajno popolnoma nezmožne za delo ali imajo težko živčno bolezen in umsko bolne osebe.
Sources
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/IPID/POPOTNIK/IPID_Merkur_Popotnik.pdf#page=1(opens in a new tab)
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/IPID/POPOTNIK/IPID_Merkur_Popotnik.pdf#page=2(opens in a new tab)
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/SPTZ_2022.pdf#page=1(opens in a new tab)
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/SPTZ_2022.pdf#page=2(opens in a new tab)
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/SPTZ_2022.pdf#page=3(opens in a new tab)
- ips.merkur-zav.sihttps://ips.merkur-zav.si/resources/productEngine/Products/MerkurSLO/SPTZ_2022.pdf#page=4(opens in a new tab)
- merkur-zav.sihttps://www.merkur-zav.si/en/turisticno-zavarovanje-za-tujino-merkur-popotnik(opens in a new tab)
Merkur Travel insurance