Zavarovalnica Sava
Zavarovalnica Sava is a travel insurance for the SI market with online purchase and 24/7 assistance.
Direct payment
For large medical costs (hospitalization), the assistance center arranges direct payment to the provider after confirmation of coverage. For smaller costs below EUR 150, the insured pays out of pocket and is reimbursed upon submission of original invoices and medical documentation. Dental and transport costs are always paid by the insured first and reimbursed afterwards.
Geographic scope
SI
Worldwide or Europe+ (excluding Slovenia and country of permanent/temporary residence). Annual time-limited coverage is worldwide only; annual unlimited and short-term allow Europe+ or worldwide selection.
Unique selling points
- Coverage up to EUR 500,000 per insured per claim (PREMIUM+ package), significantly above the regulatory minimum and most standard travel insurance products on the Slovenian market.
- New annual unlimited-duration coverage variant allows stays abroad exceeding 92 consecutive days per trip – ideal for students, workers, and long-term travellers without needing a separate policy.
- 24/7 assistance centre fully operated in Slovenian language, reachable by phone, free-of-charge web call, or email – one of the few Slovenian travel insurers offering native-language 24/7 support.
- COVID-19 treatment explicitly included within standard medical coverage across all packages – no separate rider or additional premium required.
- Unlimited number of trips abroad covered within the policy period across all three insurance forms (short-term, annual time-limited, annual unlimited), with family discount available from three members.
Coverage limits
Medical expenses (ambulatory, dental, hospitalization)
Covered
Covers necessary emergency medical treatment in an outpatient facility, purchase of necessary medicines and medical devices issued on prescription, dental treatment for acute pain relief, and hospitalization including emergency surgical procedures. Coverage limit depends on selected package: OSNOVNI 30,000 EUR, RAZŠIRJENI 100,000 EUR, PREMIUM 250,000 EUR, PREMIUM+ 500,000 EUR.
SourceEmergency medical treatment
Covered
Coverage for emergency treatment required to preserve vital functions or prevent serious deterioration of health, including accidents, sudden illness, and acute worsening of pre-existing conditions. Covered up to the insured sum of the selected package (30,000–500,000 EUR).
SourceHospitalization costs
Covered
Covers costs of necessary inpatient treatment in hospital, emergency surgical procedures, and other necessary services related to emergency treatment. Coverage continues until the assistance physician determines the insured can be transferred to Slovenia or emergency treatment is completed. Limit equals the overall insured sum of the chosen package.
SourceOutpatient/ambulatory treatment
Covered
Covers costs of necessary emergency treatment in an outpatient facility, purchase of necessary medicines and medical devices issued by prescription. For amounts below EUR 150, the insured pays first and is reimbursed upon submission of original receipts and medical documentation.
SourceEmergency dental treatment
Covered
Covers necessary dental treatment required to relieve acute pain caused by sudden and unforeseeable dental disease or dental injury occurring abroad. Dental prostheses are excluded. Sub-limit: OSNOVNI 100 EUR, RAZŠIRJENI/PREMIUM/PREMIUM+ 300 EUR. The insured pays first and is reimbursed upon submission of original receipts.
SourceMedical transport (emergency and non-emergency)
Covered
Covers non-emergency transport (taxi, public transport) to medical facility and back, up to EUR 100 sub-limit. Also covers emergency transport to the nearest suitable medical facility and inter-facility transfer during treatment using the most appropriate means (regular flight or ambulance). After completed hospitalization, also covers transport back to Slovenia in economy class.
SourceMedical evacuation / repatriation after treatment
Covered
The assistance physician, in consultation with the treating physician, determines the date and method of transport back to Slovenia. Covers transfer between facilities and repatriation to Slovenia by the most appropriate means (regular flight or ambulance) once health condition allows. Covered within the overall insured sum.
SourceRepatriation of mortal remains
Covered
In the event of the insured's death abroad, covers the costs of returning the mortal remains, necessary post-mortem procedures abroad, cremation, basic urn or basic coffin required for international transport, and transport of the body or ashes to the place of burial in Slovenia. Funeral costs are not covered.
SourceSearch and rescue
Not offered
Search and rescue costs are not explicitly mentioned as a covered peril in the policy terms or IPID. The policy covers emergency transport and medical evacuation but does not list search and rescue as a separate coverage item.
SourceCOVID-19 treatment
Covered
The policy explicitly covers emergency medical costs in case of COVID-19 illness. Epidemics and pandemics declared by the WHO are listed as an exclusion under communicable diseases; however, the official product pages confirm COVID-19 treatment is included within the general medical coverage, consistent with current policy version (01/25).
SourcePre-existing conditions (acute worsening only)
Conditional
Pre-existing conditions and illnesses are excluded unless there is an acute worsening. Acute worsening means a sudden and unforeseeable deterioration of a pre-existing condition that began after the start of travel and causes acute pain or acute life-threatening danger, requiring immediate and necessary treatment to preserve vital functions or prevent serious deterioration. Pre-existing condition is defined as any illness or condition for which the insured received treatment, consulted a physician, or was aware of in the 12 months before departure, plus all chronic diseases.
SourceWinter sports coverage (recreational, on-piste)
Conditional
Recreational skiing and snowboarding on groomed pistes is covered under the standard policy. Off-piste skiing, heliskiing, acrobatic skiing, ski jumps, and ski racing are explicitly excluded as extreme/dangerous sports, even with additional premium. Participation in official competitions or training requires a separate agreement and higher premium.
SourceAdventure / sports extension (recreational, non-extreme)
Optional
Recreational sports activities (non-extreme) can be covered with an additional premium surcharge. Official training and competitions at any sports level require a separate agreement and higher premium. A defined list of extreme sports is excluded under all circumstances (regardless of any agreement or additional payment), including: motorsports, caving, sport aviation, parachuting, hang gliding, off-piste skiing, heliskiing, bungee jumping, base jumping, free diving beyond permitted depth, alpine climbing, ice climbing, white-water sports, ultra marathon, and mountaineering/trekking/climbing above 3,000m.
SourcePregnancy complications (up to end of 6th month)
Conditional
Pregnancy-related complications are excluded from the 7th month of pregnancy onward (inclusive). Complications before the 7th month may be covered as a sudden and unforeseeable illness if they meet the policy's definition of emergency treatment. Intentional termination of pregnancy, artificial insemination, and infertility treatment are excluded in all cases.
SourcePersonal liability abroad
Conditional
Covers civil law liability claims by third parties for sudden and unexpected accidents abroad causing bodily injury or property damage. Automatically included in annual time-limited coverage for individual trips; optional (additional premium) for short-term and annual unlimited coverage. Coverage limit equals the overall insured sum of the selected package. Various exclusions apply including damage to co-travelers, liability from motor vehicles, aircraft, watercraft, professional activities, and intentional acts.
SourceLegal defence costs (within personal liability)
Conditional
Legal defence costs are covered within the overall insured sum of the personal liability coverage. The insurer manages the legal proceedings and the insured must grant power of attorney to the person designated by the insurer. No separate sub-limit identified; included within the overall insured sum.
Source24/7 assistance call centre
Covered
24/7 assistance call centre is included in all packages. Provides organisation of medical and other assistance services and notification of the insured and their relatives. Contact: +386 2 618 05 20 (from abroad, at caller's cost), 080 19 21 (in Slovenia, free). Available in Slovenian language. Also accessible via web call (Spletna Sava Asistenca).
SourceKey conditions
Assistance call deadline
The insured must immediately call the 24-hour assistance centre (+386 2 618 05 20 from abroad, at caller's cost) before independently organising any assistance in the event of an accident or illness. Failure to notify may result in rejection of all claims that cannot be justified by valid medical or technical reasons. In exceptional circumstances (life-threatening situations, prevention of major damage), the insurer may exceptionally recognise certain services even without prior notification, provided the insured can prove the exceptional circumstances.
Unauthorized treatment
The insured is not entitled to reimbursement of costs paid directly without prior telephone notification and approval from the assistance centre. Costs incurred for treatment not confirmed by a medical report are also not reimbursable. Costs of calls from abroad are not reimbursed.
Purchase while abroad
If the insured is already abroad at the time of policy conclusion, coverage begins 5 days after the policy start date, provided the premium or first instalment has been paid by that date. This waiting period does not apply if the new policy continues without interruption from a previous policy with the same insurer.
Chronic conditions
Chronic diseases are defined as pre-existing conditions. They are excluded from coverage unless there is a sudden and unforeseeable acute worsening that begins after the start of travel and causes acute pain or acute life-threatening danger requiring immediate and necessary treatment. Regular treatment of chronic conditions is not covered.
Pregnancy
Pregnancy-related problems (including childbirth) are excluded from the 7th month of pregnancy onward (inclusive). Before that, complications may be covered as a sudden illness if they meet the emergency treatment criteria. Intentional termination of pregnancy, artificial insemination, and infertility treatment are excluded in all cases.
pre_existing_conditions
Pre-existing conditions are defined as any illness or condition for which the insured received treatment, consulted a physician, or was aware of in the 12 months before departure, plus all chronic diseases. These are excluded unless there is an acute worsening: a sudden and unforeseeable deterioration occurring after the start of travel causing acute pain or acute life-threatening danger requiring immediate treatment to preserve vital functions or prevent serious deterioration.
coverage_duration_limit
Annual time-limited coverage: maximum 92 consecutive days per individual trip abroad within the insurance year. Annual unlimited coverage: unlimited consecutive days per individual trip abroad within the insurance year. Short-term coverage: unlimited consecutive days within the coverage period (up to 60 days). All forms cover an unlimited number of trips within the coverage period.
Where to buy
Policy specifics
92-day limitation for annual insurance with time-limited coverage
Annual insurance with time-limited coverage covers a maximum of 92 consecutive days per single trip abroad
Medical expenses and emergency assistance
Coverage for emergency medical treatment, ambulatory care, hospital treatment, urgent medications, dental treatment (emergency only), and medical transportation
COVID-19 coverage
Coverage for emergency medical costs in case of COVID-19 illness or contact with infected person
Geographic scope options: Europe+ or Worldwide
For short-term and unlimited-duration annual insurance, choice between expanded Europe (Europe+) or worldwide coverage
EUR 150 self-payment threshold for ambulatory and hospitalization costs
If ambulatory or hospitalization costs do not exceed EUR 150, the insured must pay out of pocket abroad and claim reimbursement upon return by submitting original receipts, medical reports, and other required documentation.
Personal liability: automatic vs. optional by insurance type
Personal liability is automatically included in annual time-limited coverage for individual trips. For short-term coverage and annual unlimited coverage for individual trips, personal liability is an optional add-on requiring additional premium.
Mandatory 24-hour assistance center notification
Insured must immediately notify the 24-hour assistance center (+386 2 618 05 20) before organizing own assistance in case of accident or illness
5-day waiting period if already abroad at inception
If insured is already abroad when policy is concluded, coverage begins 5 days after policy start date (subject to premium payment)
No upper age limit for policy conclusion
Insurance can be concluded by persons of all ages including those over 75 years, though premium surcharge may apply for highest age groups
Exclusion for country of permanent or temporary residence
Insurance does not cover incidents in Slovenia or in the country where insured has permanent or temporary residence