Almost every one of us has arranged travel insurance abroad at least once in our lives. It is a type of optional insurance primarily aimed at covering medical expenses outside the Czech Republic. Usually, it also includes assistance services, such as help over the phone from insurance company staff.

There is a wide range of additional coverage options; among the most common are baggage insurance, trip cancellation, or coverage for extreme sports.

Types of Travel Insurance by Length of Stay

1) Single trip – one-off, short-term trip, such as a vacation, long weekend, or business trip.

2) Multiple trips within one year – if you plan to travel abroad several times within the next 365 days, you can arrange an annual policy. During this period, you can make unlimited trips abroad, with the maximum length of each stay depending on the insurer (up to 90 days with AXA, Direct, or Kooperativa).

3) Annual stay – for a continuous stay abroad longer than 90 days. The insurance is valid for 365 days without the need to return to the Czech Republic during the policy period or cancellation fees.

Why Get Travel Health Insurance?

The answer is simple: you never know what might happen while traveling. Some developed countries charge extremely high prices even for the most basic medical procedures, not to mention often excessive costs for transportation to the hospital. Medical expenses can easily add up to 1,000,000 CZK (≈ 40,000 EUR) when combining seemingly minor services.

Even EU countries are no exception – with your standard Czech health insurance, you are usually only entitled to basic procedures, with the same co-payments as local residents.

How Much Does Travel Insurance Cost?

The daily rate of travel insurance depends not only on coverage but mainly on the destination, the nature of your trip, and your age. Naturally, trips within the European Union are cheaper than overseas trips.

If you visit multiple countries during one trip, insurers typically divide the world into three regions for pricing: USA + Canada, Europe, and the Rest of the World. This categorization reflects the cost of healthcare services in each location.

Example of Daily Travel Insurance Prices for an Individual, a Couple, and a Family of Four:

How to Arrange Travel Insurance?

You can arrange insurance not only at a branch office but also conveniently from home using your computer, tablet, or mobile phone. Simply fill in the basic trip details, add some personal information, and you’re done within minutes.

The contractual documentation is usually prepared and stored online, but you can also request to have it sent by mail or printed at a branch office. The key document after arranging travel insurance is the assistance card with the hotline number, which provides you with all the necessary information and instructions in case of difficulties.

What to Keep in Mind?

Offers from different insurers vary, so it is essential to always read the terms and conditions carefully, which describe the scope of coverage in detail. The coverage depends on your preferences and directly affects the price.

Always remember that standard travel insurance usually covers only common activities, such as hiking, running, or swimming. If, for example, you plan a skiing trip to Italy, it is advisable to add extreme sports coverage.

Final Reminder

If you plan to travel abroad, don’t forget to arrange travel insurance. You never know when you will need medical care or assistance in unexpected situations. With our insurance services, you can travel with peace of mind, knowing you are covered in case of unforeseen events.

Don’t wait – whether you are planning a short vacation or a long-term stay abroad, arrange your travel insurance today and enjoy stress-free travel.

We are happy to help with your insurance needs. Feel free to contact us and arrange travel insurance that provides essential protection during your trips.

Note: All amounts in CZK were converted to EUR at a fixed exchange rate of 25 CZK = 1 EUR.