Triglav Travel insurance (Travel Medical Package Abc)

Covers costs of necessary medical care, medicines, treatment aids, diagnostics, ambulance and hospital care abroad due to acute illness or accident during the trip.

Triglav assistance provides 24-hour help: medical information, contact with treating physician, organization and payment of treatment costs.

Covers hospitalization costs until the insured's health condition allows transport to the country of residence for continued treatment.

Covers treatment at an outpatient clinic with sufficient diagnostic and therapeutic capacity, using scientifically recognized and clinically tested methods.

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.

Covers transport to and from hospital, clinic or medical facility abroad.

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.

In case of death, covers the cost of transporting the insured's remains to the home location.

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.

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.

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.

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.

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.

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.

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/legal protection is not part of this travel insurance product; Triglav offers it as a separate 'Odgovornost in pravna zaščita' product line.