TRAVEL INSURANCE

Travel insurance abroad

Travel insurance abroad includes:

  • Travel health insurance
  • Private liability insurance
  • Luggage insurance
  • Trip cancellation or interruption insurance
  • Travel accident insurance

Travel health insurance for travel and stay abroad in cooperation with AXA Assistance Deutschland GmbH covers the expenses of urgent and necessary medical treatment abroad in case of unexpected illness or accident.
Private liability insurance covers civil non-contractual liability of the policyholder and persons the policyholder is legally responsible for in case of death, bodily injury or health of the third party, or damage and destruction of property of the third party during travel and stay abroad. .
Luggage insurance covers loss, damage or destruction of luggage, the cost of purchasing necessary items in cases when hold luggage arrives more than 8 hours after the policyholder's arrival the destination.
Trip cancellation insurance covers cancellation due to unforeseen circumstances e.g. death, an accident resulting in serious injuries, sudden acute illness, complications during pregnancy, vaccine intolerance, damage to property caused by fire, natural disasters or intentional criminal act of a third person, a military drill, work obligations prescribed by a public authority.
Trip interruption insurance covers the interruption of a current trip, provided that the interruption occurred during no more than 50% of the estimated duration of the trip.
Accident insurance covers all sudden events resulting in death or permanent disability of the policyholder due to an accident.

Travel health insurance

Travel health insurance during travel and stay abroad in cooperation with AXA Assistance Deutschland GmbH covers the cost of urgent and necessary medical treatment abroad in case of sudden illness or accident.

Travel health insurance in cooperation with AXA Assistance Deutschland GmbH covers the following:

  • ambulatory care
  • medicine and medical supplies prescribed by a doctor
  • medical aids and walking aids necessary as part of the treatment
  • radiation therapy, heat therapy, phototherapy etc. prescribed by a doctor
  • radiography, diagnostic scanner, ultrasound, laboratory diagnostics, ECG, decompression chamber
  • clinical treatment in the nearest adequate hospital
  • transport costs (medical transportation, taxi, public transport) for the purpose of medical treatment
  • costs of switching to a specialized clinic if it is medically necessary and prescribed by a doctor
  • surgery
  • dental treatment for the sole purpose of relieving acute toothache up to EUR 200
  • costs of doctor's home visit
  • cost of telephone calls from / to the hospital up to EUR 25 per trip in case of hospitalization
  • the cost of medical necessary and prescribed transport of the policyholder from a foreign country to permanent residence
  • transport costs of the body of the policyholder to the place of residence or funeral expenses at the place of death in the amount up to EUR 5,000

If you buy your travel health insurance policy from Euroherc we will reimburse the necessary medical expenses abroad incurred by a sudden illness or accident. Euroherc offers the following amounts of travel health insurance: € 10,000, € 15,000, € 20,000, € 25,000, € 30,000, € 40,000 and € 60,000, noting that the two largest amounts of insurance policy coverage are valid for the whole world, while the other amounts of insurance policy cover all countries except the US, Canada, Japan and Australia.

Discounts and additional coverage for this type of insurance:

  • For DUO or TRIO package (spouses or siblings) Euroherc offers 10% discount
  • In family travel insurance for children under 18 Euroherc offers 50% discount, and 10% for family members over 18
  • Persons who will take part in competitions and trainings during their travel pay additional coverage for travel health insurance. Additional coverage for amateur athletes is 30% of the premium, and for professional athletes 60% - in recreational sports during travel and stay abroad no extra coverage is required
  • Persons over 65 years of age pay an additional surcharge of 80% of the premium, and persons over 70 pay an additional 100% of the premium for this type of insurance

Private liability insurance

Private liability insurance covers civil non-contractual liability of the insured person and any minors the person is responsible for under law for damages arising from death, injury to body or health of a third person, and damage or destruction to third party possessions during travel and stay abroad.

Euroherc can arrange for the following indemnity amounts for contracting private liability insurance within the travel insurance policy:

  • 100.000 kn
  • 200.000 kn
  • 375.000 kn
  • 500.000 kn.

Minors cannot be insured parties.

Luggage insurance

In case the policyholder’s luggage does not arrive at the destination within 8 hours of the arrival of the policyholder, luggage insurance covers loss, damage or destruction of the luggage, the cost of replacement of necessary items.

Luggage insurance covers physical loss, damage and destruction of luggage due to the following:

  • traffic accident
  • natural disaster
  • explosion
  • burglary, robbery
  • lost luggage, damaged luggage, as well as theft of the luggage entrusted to the carrier

If luggage insurance is contracted as part of a travel insurance policy Euroherc will even cover:

  • the cost of obtaining replacement items for personal use up to a maximum value of EUR 250 in case the luggage does not arrive at the destination, away from the policyholders place of residence for more than 8 hours upon the arrival of the policyholder at the destination.
  • rental costs of sports equipment for the duration of the trip, if the sports equipment brought by the policyholder is destroyed, stolen or damaged to such an extent that it cannot safely be used, provided that the damages are recoverable under the conditions. The rental of sports equipment can be paid within the stipulated insurance amount up to EUR 400.

Trip cancellation or interruption insurance

Trip cancellation insurance covers cancellation due to unforeseen circumstances e.g. death, an accident resulting in serious injuries, sudden acute illness, complications during pregnancy, vaccine intolerance, damage to property caused by fire, natural disasters or intentional criminal act of a third person, a military drill, work obligations prescribed by a public authority.

Trip interruption insurance covers the interruption of a current trip, provided that the interruption occurred during no more than 50% of the estimated duration of the trip. This additional insurance must be contracted no later than within 72 hours from the time of purchase of travel tickets or accommodation payment but is generally selected at the signing of the travel policy.

The policyholder must notify, in writing, the travel agency no later that three work days of an occurrence that results in the cancellation of travel according to Art. 47. of the travel insurance policy, and the insurer within 15 days.

If the policy covers this option Euroherc will reimburse 90% of the amount kept by the travel agency, minus the cost of the journey already travelled.

Personal accident insurance

Accidents on journeys are a possibility we all known of and they can hinder our rhythm and spoil plans. We know very well how accidents cannot be predicted or prevented, but accident insurance can mitigate the consequences.
Accident insurance covers all sudden events causing death or permanent disability of the policyholder due to an accident.

Personal insurance within the Travel insurance policy covers the following cases:

  • death due to accidents
  • permanent disability due to accidents
  • daily charge for hospital stay in treatment of accidents
  • Persons that take part in competitions and training pay a surcharge. The surcharge increases the premium for amateur athletes by 30% and for professional athletes by 60%. Engaging in recreational sports during the journey incurs no surcharge on the policy.

In case of an accident Euroherc will pay:

  • the sum insured in case of death of the policyholder, if death is the result of an accident
  • 150 percent of the sum insured in case of permanent disability, if the disability of the policyholder is permanent and full (100%)
  • a percentage of the sum insured in case of partial disability, which corresponds to the percentage of permanent partial disability, if the result of an accident is permanent partial disability of the policyholder
  • if the total percentage of disability is higher than 50 percent, every percentage over 50 percent is recognized as double in amount
  • daily hospital fee for treatment of an accident

Travel insurance in country

This type of travel insurance is usually contracted by schools, associations or clubs for group travel, especially children, and includes:

  • Personal insurance against accidents
  • Luggage insurance
  • Travel Cancellation or delay insurance

Personal insurance against accidents

Is contracted in case of death as a result of accidents and against permanent loss of general work capacity due to accidents (permanent disability), and can include the fee for daily hospital stay for treatment of accidents.

Possible combinations of insured amounts:

Insured amount in KN in case of
death due to accident permanent disability hospital fees - for every night spent in hospital
Combination 1 30.000 60.000 45 kn / day
Combination 2 40.000 80.000 60 kn / day
Combination 3 50.000 100.000 75 kn / day
Combination 4 60.000 120.000 90 kn / day

Persons that take part in competitions and training pay a surcharge on their accident policy. The surcharge increases the premium for amateur athletes by 30% and for professional athletes by 60%. Engaging in recreational sports during the journey in country incurs no surcharge on the policy.

Luggage insurance

Covers loss, damage or destruction of the luggage, the cost of replacement of necessary items in case the policyholder’s luggage does not arrive at the destination within 8 hours of the arrival of the policyholder at the destination. It is possible to choose between the following amounts for luggage insurance: 5,000 KN, 10,000 KN, 20,000 KN and 25,000 KN.

Trip cancellation or interruption insurance

Trip cancellation insurance covers cancellation due to unforeseen circumstances e.g. death, an accident resulting in serious injuries, sudden acute illness, complications during pregnancy, vaccine intolerance, damage to property caused by fire, natural disasters or intentional criminal act of a third person, a military drill, work obligations prescribed by a public authority.
Trip interruption insurance covers the interruption of a current trip, provided that the interruption occurred during no more than 50% of the estimated duration of the trip.
This additional insurance must be contracted no later than within 72 hours from the time of purchase of travel tickets or accommodation payment but is generally selected at the signing of the travel policy.
If the policy covers this option Euroherc will reimburse 90% of the amount kept by the travel agency, minus the cost of the journey already travelled.

Travel insurance for foreign visitors to the Republic of Croatia

During the policyholders stay in the Republic of Croatia Euroherc provides insurance in case of accident or necessary emergency medical treatment required as a result of sudden illness, which can not be postponed without danger to life and health until the policyholders return home.

Travel insurance for foreign visitors to the Republic of Croatia includes:

  • Travel health insurance
  • Luggage insurance

Travel health insurance

In cooperation with AXA Assistance Deutschland GmbH covers and includes these services:

  • ambulatory care
  • medicines and medical supplies prescribed by a doctor
  • medical aids and walking aids necessary as part of a treatment
  • radiation therapy, heat therapy, phototherapy etc. prescribed by the doctor
  • radiography, diagnostic scanner, ultrasound, laboratory diagnostics, ECG, decompression chamber
  • clinical treatment in the nearest appropriate hospital
  • costs (medical transportation, taxi, public transport) for the purpose of medical treatment
  • the costs of switching to a specialized clinic if it is medically necessary and prescribed by a physician
  • operations
  • dental treatment solely for the purpose of release of acute toothache up to EUR 200
  • the costs for doctor house calls
  • the cost of telephone calls from / to the hospital up to EUR 25 per trip in case of hospitalization
  • necessary transport costs of the policyholder to permanent residence abroad
  • transport costs of the policyholders remains to place of residence or funeral expenses in place of death abroad up to EUR 5,000

As a foreign visitor to the Republic of Croatia you can choose one of Euroherc Insurances travel health insurance policies; EUR 10,000, EUR 15,000, EUR 20,000, EUR 25,000, EUR 30,000, EUR 40,000 and EUR 60,000.

Discounts and surcharges on this type of insurance:

  • DUO or TRIO policy (spouses or siblings) you can receive a discount of 10% from Euroherc
  • Euroherc offers a discount of 50% for family travel insurance for children under 18 years of age, while family members older than 18 years of age receive a discount of 10%
  • Persons that take part in competitions and training pay a surcharge. The surcharge increases the premium for amateur athletes by 30% and for professional athletes by 60%. Engaging in recreational sports during the journey incurs no surcharge on the policy.
  • persons older than 65 years of age have a surcharge of 80% and persons of 70 years of age and more have a 100% surcharge for this type of insurance

Luggage insurance

Luggage insurance covers physical loss, damage and destruction of luggage due to the following:

  • traffic accident
  • natural disaster
  • explosion
  • burglary, robbery
  • lost luggage, damaged luggage, as well as theft of the luggage entrusted to the carrier

If luggage insurance is contracted as part of a travel insurance policy Euroherc will even cover:

  • the cost of obtaining replacement items for personal use up to a maximum value of 250 EUR in case the luggage does not arrive at the destination, away from the foreign policyholders place of residence for more than 8 hours upon the arrival of the policyholder at the destination.
  • rental costs of sports equipment for the duration of the trip, if the sports equipment brought by the policyholder is destroyed, stolen or damaged to such an extent that it cannot safely be used, provided that the damages are recoverable under the conditions. The rental of sports equipment can be paid within the stipulated insurance amount up to 400 EUR