Triglav
Triglav is a travel insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
When the 24/7 assistance centre (+386 2 222 28 64) is contacted, Triglav organises and directly pays for medical treatment and transport within the insured sum. If assistance cannot be used due to circumstances, the insured pays out of pocket and claims reimbursement after returning to Slovenia by submitting the policy, full medical documentation and original receipts.
Geographic scope
worldwide
Valid worldwide except the territory of the Republic of Slovenia and the country where the insured has permanent or temporary official residence. Exception: if the insured travels abroad for study or work and must establish temporary residence there, the exclusion for the country of temporary residence does not apply.
Starting from
€14
Unique selling points
- Three selectable medical insured sum tiers (30,100 EUR / 59,100 EUR / 118,300 EUR) allow travellers to tailor coverage to destination risk, including high-cost markets like the USA.
- Slovenian-language 24/7 assistance centre (+386 2 222 28 64) directly organises and pays for hospitalisation and medical transport, eliminating out-of-pocket advance payments when contacted promptly.
- Free coverage extension of up to 14 days for quarantine-related extended stays abroad is included across all packages at no additional premium.
- Personal liability for skiing (including the legally mandatory liability required at Italian ski resorts) is included in all packages as a standard benefit.
- Permanent annual multi-trip policy (no fixed expiry) renews automatically each year, ensuring uninterrupted worldwide coverage for all trips under 90 days without annual re-enrollment.
Coverage limits
Medical expenses (urgent medical care abroad)
Covered
Covers costs of urgent medical care due to acute illness or accident during travel abroad. Three coverage tiers are available: 30,100 EUR (Package A standard), 59,100 EUR, and 118,300 EUR (Package C higher tier). Coverage applies for unforeseen medical situations and requires notification of the 24-hour assistance centre.
Emergency medical treatment abroad
Covered
Covers costs of emergency medical treatment abroad for acute illness or accident. The assistance centre organises treatment and covers costs within the insured sum. If assistance cannot be reached, costs can be reclaimed after return.
Hospitalisation costs abroad (including costs for accompanying relative)
Covered
Covers hospitalisation costs abroad within the overall medical insured sum. Also covers accommodation costs of a close relative staying near the hospitalised insured person in a foreign country. Costs of relatives' accommodation are covered as a sub-limit within the policy.
Outpatient treatment abroad
Covered
Outpatient emergency medical treatment is covered within the overall medical insured sum as part of the urgent medical care benefit. Costs must be for medically necessary treatment of acute illness or injury occurring during the trip.
Emergency dental treatment abroad
Covered
Costs of emergency dental procedures are included within the medical assistance coverage. The policy specifically mentions urgent dental treatment (nujni zobozdravstveni posegi) as a covered item within the health insurance with assistance.
Medical transport (to hospital or home)
Covered
Covers transport costs to the nearest appropriate hospital and medically necessary return transport to Slovenia. Covered within the overall medical insured sum. Claims for transport home require a medical certificate proving medical necessity of the return.
Medical evacuation (including helicopter rescue)
Covered
Medical evacuation including helicopter rescue from ski slopes or remote areas is covered within the medical insured sum. Higher coverage tiers (59,100 EUR or 118,300 EUR) are recommended for activities with elevated evacuation risk such as skiing or mountaineering.
Repatriation of mortal remains
Covered
Repatriation of mortal remains to Slovenia is covered within the overall medical assistance benefit. The assistance centre organises and covers such transport within the insured sum when medically or circumstantially necessary.
Search and rescue (including mountain and ski rescue)
Covered
Search and rescue operations, including helicopter rescue from ski slopes and mountain areas, are covered within the medical insured sum. The assistance centre coordinates rescue operations and covers costs within the policy limits.
COVID-19 treatment abroad
Covered
COVID-19 is treated as any other illness and covered within the standard medical insured sum. A confirmation of COVID-19 coverage in English is provided with the policy upon purchase. An additional free extension covers costs of extended stay or delayed return due to quarantine ordered in a foreign country (up to 14 days).
Pre-existing / chronic conditions
Excluded
Chronic diseases and medical conditions known before the commencement of coverage are not covered under the policy. Exception: acute, life-threatening deteriorations of a chronic condition occurring during the trip may be covered as emergency treatment.
Winter sports coverage (skiing, snowboarding)
Covered
Medical costs from ski injuries, helicopter rescue from ski slopes, and third-party liability for skiing are all included in the travel insurance packages. Theft of skis left outside a ski lodge is also covered. Higher insured sums are recommended for ski trips to cover potential helicopter evacuation costs.
Adventure / risky sports coverage
Conditional
Coverage for risky sports and activities is available but subject to a 50% premium surcharge. The insured must declare participation in risky sports at the time of purchase. Without the surcharge, injuries from risky sports activities may not be covered.
Pregnancy complications
Conditional
Pregnancy-related costs are not covered after the 37th week of gestation. Before the 37th week, acute and abnormal pregnancy complications posing a risk to life may be covered as emergency medical treatment. Routine pregnancy check-ups and normal childbirth are excluded.
Personal liability to third parties
Covered
Covers liability towards third parties for sudden and unexpected events (accidents) causing bodily injury or property damage during travel abroad. Included in all packages (A, B, C). A 10% deductible applies (minimum EUR 50 per claim). Skiing liability in Italy (mandatory by law) is also covered.
Legal assistance costs abroad
Conditional
Coverage for legal assistance costs abroad is available in Package C only (not included in Packages A or B). It covers costs of legal aid arising from incidents during travel abroad. Available as part of the comprehensive Package C offering.
24/7 travel assistance service
Covered
Triglav Asistenca provides 24-hour assistance at +386 2 222 28 64 in Slovenian language. The centre organises medical treatment, coordinates with treating physicians, arranges transport to hospital or home, and handles the entire claims process on behalf of the insured. Can also be reached from the i.triglav mobile app.
Key conditions
Assistance call deadline
The insured must contact the Triglav assistance centre (+386 2 222 28 64) as soon as possible in the event of illness or injury. Notification of the insurer about the insurance event must occur no later than three days after returning from the trip or when health permits. If the assistance centre cannot be reached due to circumstances, the insured may pay out of pocket and claim reimbursement after returning to Slovenia with original receipts and medical documentation.
Unauthorized treatment
If the insured seeks medical treatment without first contacting the assistance centre, and does so at a private facility not in the public healthcare network, the insurer may limit or deny reimbursement. Original receipts and full medical documentation must be submitted for any claim. The insurer may request documentation translated into Slovenian or English.
Purchase while abroad
Insurance cannot be purchased while already abroad. Coverage commences only after the insured crosses the Slovenian state border and only if the premium has been paid. Insurance must be concluded at the latest on the day before departure, as coverage begins at midnight of the day following purchase.
Chronic conditions
Chronic diseases known prior to the commencement of coverage are excluded. Only acute, life-threatening deteriorations of a known chronic condition that occur unexpectedly during the trip may qualify for emergency treatment coverage. Routine management or follow-up of chronic conditions is not covered.
Pregnancy
Pregnancy-related costs are not covered after the 37th week of gestation. Before the 37th week, only acute abnormal complications of pregnancy that are life-threatening may be covered as emergency medical treatment. Normal childbirth, routine prenatal care, and elective procedures related to pregnancy are excluded.
pre_existing_conditions
Pre-existing medical conditions known before coverage commencement are not covered. Coverage applies only to unforeseen acute illness or injury occurring during the trip. Conditions that were diagnosable or under treatment before the journey started fall outside the scope of coverage.
coverage_duration_limit
For annual multi-trip policies, each individual trip must not exceed 90 days. Coverage terminates when the insured returns to Slovenia or at the end of the policy period, whichever is earlier. If circumstances beyond the insured's control require extended stay abroad, coverage is automatically extended by a maximum of 5 days. For quarantine-related extended stays, an additional free extension of up to 14 days applies.
Where to buy
Policy specifics
Medical expenses coverage
Insurance covers costs of urgent medical care due to acute illness or accident during travel abroad
24-hour travel assistance
Triglav provides 24-hour assistance center support for medical emergencies and organization of medical treatment abroad
Three coverage packages (A, B, C)
Travel insurance is offered in three distinct packages with varying coverage levels and included benefits
Extended stay coverage during quarantine
Free extension of coverage for extended stay or delayed return due to quarantine requirements
Coverage validity conditions
Insurance coverage commences only after crossing Slovenia's state border and must be paid in full before departure
Claims notification and medical procedure period
Insured must notify assistance center within 48 hours of illness or injury; claims must be filed within three months of treatment completion
Exclusions for pregnancy and chronic conditions
Insurance does not cover costs related to pregnancy beyond 37 weeks gestation or conditions known before policy commencement
Territorial coverage scope worldwide
Insurance is valid worldwide except in Slovenia and the insured's country of permanent or temporary residence