Zavarovalnica Triglav, d.d.
Triglav
Triglav is a travel insurance for the Slovenia market with online purchase and 24/7 assistance.
Direct payment
Triglav assistance typically organizes and directly pays/settles necessary medical treatment costs abroad on behalf of the insured. Alternatively, the insured can pay directly and claim reimbursement by submitting original invoices and medical documentation within 3 months of completed treatment or return home.
Geographic scope
Worldwide, excluding Slovenia and the insured's country of residence
Coverage applies to travel anywhere in the world excluding the territory of the Republic of Slovenia and the country where the insured has permanent or temporary official residence; if the insured must establish temporary residence abroad for study or work, that country is not excluded.
Unique selling points
- Worldwide medical treatment in public or private clinics with no co-payment required, unlike the limited scope of the European Health Insurance Card.
- 24/7 dedicated Triglav assistance line that organizes and directly settles treatment costs abroad.
- Free extension of trip-interruption/late-return cover included with the travel policy.
- Includes search and rescue cost cover for accidents or distress in the mountains or at sea.
- Annual multi-trip policies renew automatically without an expiry date, avoiding the need to re-purchase each year.
Coverage limits
Medical treatment expenses abroad
Covered
Covers costs of necessary medical care, medicines, treatment aids, diagnostics, ambulance and hospital care abroad due to acute illness or accident during the trip.
Emergency medical treatment with 24/7 assistance
Covered
Triglav assistance provides 24-hour help: medical information, contact with treating physician, organization and payment of treatment costs.
Hospitalization abroad
Covered
Covers hospitalization costs until the insured's health condition allows transport to the country of residence for continued treatment.
Outpatient treatment
Covered
Covers treatment at an outpatient clinic with sufficient diagnostic and therapeutic capacity, using scientifically recognized and clinically tested methods.
Emergency dental treatment
€150,200,300
Covers urgent dental interventions needed to relieve acute pain caused by illness or tooth injury, including extraction and simple denture repairs; does not cover new teeth, crowns, fillings or permanent fillings.
Medical transport
Covered
Covers transport to and from hospital, clinic or medical facility abroad.
Medical evacuation / repatriation
Covered
Covers transport of the insured back to the home country if ordered by a doctor because adequate medical care is unavailable locally, including cost of a medically necessary escort.
Repatriation of remains
Covered
In case of death, covers the cost of transporting the insured's remains to the home location.
Search and rescue
Covered
Covers costs of search and rescue of the insured if they suffered an accident or illness or were in distress in the mountains or at sea.
COVID-19 treatment
No limit stated
The T&C and IPID do not define a separate COVID-19 benefit; the insurer's website states a certificate of coronavirus-related cost coverage can be issued in English together with the policy, implying treatment falls under general acute-illness medical cover.
Pre-existing conditions
Conditional
Chronic diseases and their consequences that existed and were known or expected at the start of the insurance, or illnesses treated in the last 3 months before the start, are excluded, except for unforeseen emergency care to remove acute life-threatening danger or acute pain.
Winter sports cover
67% of insured sum
Acrobatic skiing, touring skiing, heli-skiing, ski jumping and ski flying are covered, but insurer's obligations are reduced by 33% (i.e. capped at 67% of the benefit) unless a higher premium was explicitly agreed for these activities. Ordinary recreational skiing is not subject to this reduction.
Adventure / extreme sports cover
67% of insured sum
High-risk and extreme sports (e.g. alpinism, extreme skiing, bungee jumping, base jumping, cave diving, motor sports, free climbing) are covered, but insurer's obligations are reduced by 33% (capped at 67%) unless a higher premium was explicitly agreed. Professional sports and expeditions to unconquered/unexplored areas are excluded from this cover entirely.
Pregnancy complications
Conditional
Costs related to pregnancy, childbirth and their consequences after the 37th week of pregnancy are excluded, except for an acute, abnormal course of pregnancy where the insurer covers costs of medical measures needed to remove immediate danger to the life of the mother or child. Routine pregnancy monitoring and termination costs are not covered.
Third-party liability
Covered
Covers civil-law compensation claims by third parties against the insured for bodily injury or property damage caused by a sudden and unexpected event; excludes damage to spouse/dependents, fellow travellers, borrowed items, damage from land motor vehicles/aircraft/watercraft, real estate abroad, water pollution, and professional activity.
Legal assistance
Excluded
Legal assistance/legal protection is not part of this travel insurance product; Triglav offers it as a separate 'Odgovornost in pravna zaščita' product line.
24/7 assistance service
Covered
Triglav assistance is available 24 hours a day on +386 2 222 28 64 to provide medical information, contact with the treating physician, and organization of treatment and transport.
Key conditions
Assistance call deadline
The T&C do not set a specific deadline to call assistance before treatment; they require the insured to notify the insurer of the insured event without delay, at the latest within 3 days after returning from the trip or as soon as health permits.
Unauthorized treatment
No specific monetary penalty for not contacting assistance before treatment is stated. Generally, if the insured breaches their obligations under the T&C (e.g. notification duties), the insurer is not obliged to reimburse the part of the loss resulting from that breach.
Purchase while abroad
The policy must normally be concluded while the insured is in Slovenia or their country of residence. If concluded while already abroad, coverage only starts after 5 days from the conclusion date.
Chronic conditions
Chronic diseases and their consequences known or expected at the start of insurance, and illnesses treated within the last 3 months before the start, are excluded, except for unforeseen emergency care for acute life-threatening danger or acute pain relief.
Pregnancy
Costs related to pregnancy, childbirth and their consequences after the 37th week are excluded, except for an acute, abnormal course of pregnancy threatening the life of mother or child. Routine pregnancy monitoring and termination costs are not covered.
Pre-existing condition exclusions
Pre-existing chronic conditions known or expected at policy inception, and conditions treated in the 3 months prior, are excluded from medical cover except for emergency life-saving or acute-pain treatment.
Coverage duration limit
The insurance does not cover trips exceeding 90 days, unless otherwise agreed.
Where to buy
Policy specifics
Medical expenses with 24/7 assistance
Emergency medical care and treatment expenses abroad with mandatory 24-hour medical assistance services
SourceFamily member accommodation costs during insured person's hospitalization
Coverage for accommodation and travel costs of a family member if the insured requires hospitalization abroad
SourceFlight delay or cancellation coverage
Coverage for losses incurred due to flight delays (minimum 6 hours) or flight cancellation
SourceLuggage and personal items coverage
Coverage for loss, theft, or damage to luggage and personal belongings during travel
SourceThird-party liability coverage
Coverage for legal liability towards third parties for bodily injury or property damage caused by the insured
SourceMandatory assistance service contact before treatment
The insured must contact Triglav assistance (+386 2 222 28 64) before receiving medical treatment to authorize and organize care
SourceGeographic coverage exclusion - Slovenia and country of residence
Insurance does not cover travel within Slovenia or the insured's country of permanent/temporary residence
SourceAnnual trip duration limit (multi-trip policies)
For annual multi-trip policies, individual trips must not exceed 90 days (unless otherwise agreed); annual policies do not cover trips exceeding 60 days
SourceBusiness/professional trip exclusion
The insurance does not cover business or professional trips unless explicitly agreed in the policy
SourcePolicy effective date (24:00 hours next day)
Insurance coverage begins at 24:00 hours on the day following policy purchase (next calendar day) if premium is paid
SourceBusiness trip exclusion for multi-trip cancellation cover only
Business/professional trips are covered under the main travel medical policy (Art. 1(3)); the exclusion of business trips applies only to the optional multiple-trip cancellation insurance (Art. 11(2)).
Source