Travel insurance

Travel insurance can be arranged in person at a VÚB branch or online on the VÚB bank website, as well as via the VÚB Mobile Banking app, or by phone through the VÚB Digital Branch.

Travel insurance is intended for tourist trips in Europe, in Slovakia (search and rescue insurance), or worldwide. The medical expenses insurance automatically includes all common summer and winter holiday sports performed on a recreational basis. Travel insurance also includes manual work; business trips as well as travel for work purposes are covered (i.e. the client is insured even if they have an employment contract with a local company abroad).

• Short-term travel insurance – insurance for a fixed period, for a maximum of 365 days of continuous stay (366 days in a leap year).
• Travel insurance for an indefinite period – with a policy period of 1 year. It applies to the first 90 days of each stay abroad during the policy period. The number of trips abroad is not limited.

In travel insurance within Slovakia, this refers to search and rescue insurance, exclusively within the territory of the Slovak Republic. Search and rescue insurance covers insured events that occur in mountain areas in Slovakia, including chasms and caves, in accordance with the Mountain Rescue Service Act. The Mountain Rescue Service Act defines 15 mountain areas where the mountain rescue service operates. These are the Belianske Tatras, Bukovské vrchy, Javorníky, Kremnické vrchy, Kysucká vrchovina, Kysucké Beskydy, Malá Fatra, Moravian-Silesian Beskydy, Low Tatras, Pieniny, Slovak Paradise, Central Beskydy, Veľká Fatra, High Tatras, and Western Tatras.

In travel insurance abroad, search and rescue insurance is included under medical expenses abroad within Europe or worldwide (according to the selected territorial coverage).

In credit card travel insurance, search and rescue insurance is part of both types of insurance – Standard and Exclusive – and covers insured events within the Slovak Republic; at the same time, it is also valid for events anywhere abroad up to an altitude of 5,000 m above sea level.

• The age limit for individual travel insurance is 75 years. If the client reaches the age of 75 during the insurance period, the insurance automatically terminates on the next policy anniversary following their 75th birthday.
• The age limit for travel insurance linked to credit cards is 80 years. The insurance terminates at the end of the insurance period in which the insured person reaches the age of 80.
• For search and rescue insurance in Slovakia, no age limit is set. However, it is not necessary to arrange this insurance for persons under 18 years of age who have health insurance coverage in Slovakia and permanent residence in Slovakia. Minor foreign nationals do not have search and rescue insurance covered by their health insurance, i.e. they must arrange insurance.

Travel insurance abroad is valid in Europe or worldwide, depending on the territorial coverage you have arranged in the insurance contract.

Search and rescue insurance in the Slovak Republic is valid exclusively within the territory of the Slovak Republic.

What do assistance services abroad include and when should I call the Assistance Service?
In the event of an insured incident, it is necessary to immediately contact the Assistance Service by phone, available 24 hours a day, 7 days a week, at the phone number: +421 2 58572266 or for calls from Slovakia: 0800 121 122. Assistance to insured persons abroad is provided by Europ Assistance, s. r. o., which is a foreign representative of the insurer. Clients can communicate in Slovak and Czech. It is also recommended to contact the Assistance Service as soon as you find yourself in an emergency.
Standard assistance services are part of the basic travel insurance package abroad for individual travel insurance; for travel insurance linked to a credit card, they are included in both types of packages – Standard and Exclusive.
Europ Assistance:

• organizes and arranges the provision of medical care to the client;
• its services cover 208 countries and regions worldwide;
• Slovak- or Czech-speaking operators are available;
• trained operators and professional doctors are available to clients 24 hours a day, 7 days a week.

Europ Assistance performs or arranges the following services for clients during their stay abroad:

• assistance before travel;
• information services for the client;
• search for a medical facility;
• arranging medical treatment and healthcare;
• coverage of incurred costs;
• monitoring the course of hospitalization;
• organization of travel and stay for a caregiver;
• return of a co-insured person;
• transport of minor children to their home country;
• transport and accommodation for a relative (visit to a sick person);
• repatriation of the client back to the Slovak Republic;
• transport of mortal remains and arrangement of funeral documentation;
• provision of medicines if they are not available in the given country and are necessary.

Premium assistance services are part of the basic travel insurance package abroad for individual travel insurance; for travel insurance linked to a credit card, they are included in both packages – Standard and Exclusive:

• legal assistance insurance;
• arrangement of bail.

In the event of an insured event, it is necessary to inform the insurer in writing without delay about the occurrence of the insured event and, after returning, to submit original documents confirming the payment of costs that are subject to insurance compensation by the insurer, together with the completed “notification of an insured event” form in accordance with the relevant general insurance terms and conditions.
The insured event can be reported to the insurer in several ways:

• online via a web form on the website www.generali.sk;
• via the San Marco Portal client portal;
• in writing, by sending the notification to the insurer’s registered office address.

Yes. The client will be reimbursed for stolen or damaged items up to the insured amount. The insured event must not occur due to the insured’s negligence, i.e.: as a result of a natural disaster, a technical fault in the water supply system, a traffic accident, injury to the insured, during transport if the items were handed over to the carrier, when deposited in storage, or in the case of robbery if reported to the police. Robbery is defined as a situation where the offender used violence against the insured, threatened violence, or exploited the insured's sudden physical or mental distress. The use of narcotic/paralyzing or similar substances must be proven and documented. It is important that luggage is not left unattended without supervision or without using available safety features/devices.

Luggage insurance also covers delayed delivery of luggage. If luggage is delayed during transport to the destination, the client is entitled to reimbursement of costs for purchasing replacement clothing and hygiene items up to 80 € for each commenced hour, provided that the delay is at least 6 hours. A delay of less than 6 hours is not considered for insurance compensation.

In the event of delayed luggage, you must report this to the claims department abroad, which is part of every airport, and request confirmation, the so-called PIR document (Property Irregularity Report). The client is also required to request confirmation if they discover that their luggage is damaged or items have been stolen from it. After returning to Slovakia, report the insured event to the insurance company without delay, including submitting the necessary documents.

If you need medical care abroad, it is necessary to immediately contact the Assistance Service at the phone number +421 2 58572266, where trained operators and professional doctors are available to you 24 hours a day, 7 days a week. They will also help you find a medical facility, arrange an appointment with doctors, and organize your admission to a hospital.

In the event of hospitalization or costs exceeding 300 €, it is necessary to immediately contact the Assistance Service by phone, available 24 hours a day, at +421 2 58572266, either by the client or a third party. If the insured does not follow the instructions of the insurer’s foreign representative and its contractual partners, the insurer has the right to reduce or refuse insurance compensation. If the hospital stay is expected to last longer than 3 days, the insurer or the assistance company must be informed as soon as possible; otherwise, insurance coverage may be lost or the insurance compensation may be reduced. If the client covers costs up to 300 € themselves, it is necessary to send:

• a completed “notification of an insured event – medical expenses” form;
• original medical reports stating the diagnosis and a list of medical procedures performed;
• original receipts for treatment, hospital stay, medicines prescribed by a doctor, and transport;
• travel tickets;
• proof of payment for accommodation;
• in the event of death, the authorized person shall submit a death certificate and a document/report of the examination of the deceased.

In the event of a delay of the public transport used, you should have this fact confirmed by the airline or the relevant carrier.

Yes, illness caused by COVID-19 is also covered.
Medical expenses (including COVID-19):

• treatment costs, hospitalization, and repatriation up to 50 000 €.

In the event of mandatory quarantine abroad:

• accommodation costs up to 50 € per night, max. 14 days;
• transport costs home up to 1 000 €;
• we cover 80% of cancellation fees in case of not starting the trip due to mandatory quarantine, illness, or death caused by COVID-19, or if you are not allowed to board a means of transport due to an elevated body temperature. We also cover trip cancellation costs for your co-insured person with whom you were supposed to travel.

Cancellation fee insurance, trip interruption insurance, and missed departure and delayed return to the home country insurance include:

• reimbursement of cancellation fees in case of not starting the trip, after deducting a 5 % excess,
• reimbursement of paid and unused services and costs of the return trip in case of trip interruption up to 500 € without an excess;
• reimbursement of additional costs for accommodation, meals, or taxi in case of a missed departure of a means of transport or delayed return to the home country not caused by the insured, up to 100 €.

NO. Travel insurance linked to credit cards does not include coverage for cancellation fees.

You can check the validity of your insurance at any Generali insurance branch, by phone at 02 38111117, or via the Generali client portal at www.generali.sk. You can also verify it through the VÚB Contact Centre at 0850 123 000 within Slovakia, or +421 2 4855 59 70 from abroad, where identification via Nonstop Banking is required. The validity of the insurance can also be checked in Mobile Banking and Internet Banking.

Yes, liability insurance, i.e. compensation for damage to property or health caused to a third party, may be included in the insurance. This insurance is included in the basic package of individual travel insurance. Liability insurance is also part of travel insurance linked to a credit card, in both types of insurance – Standard and Exclusive.

Yes, technical assistance for a motor vehicle abroad, valid within Europe (excluding the Slovak Republic), is part of optional add-on insurance and includes:

• search for the nearest authorized service center and technical consultation,
• arranging on-site repair (fuel and repair costs are covered by the insured),
• towing the vehicle to the nearest authorized or other suitable service center,
• costs for vehicle storage,
• a replacement vehicle, hotel accommodation, or alternative transport to the destination or back to the Slovak Republic if the vehicle cannot be repaired within 12 hours or has been stolen,
• costs for vehicle repatriation if the estimated repair cost abroad exceeds 1 000 €,
• costs for vehicle retrieval if the client uses alternative transport to the destination or back to the Slovak Republic.

For individual insurance, all information together with the insurance confirmation will be sent to your email after concluding the insurance. In the case of an additional issuance of a confirmation for insurance that was arranged remotely, you need to contact the Generali insurance hotline at 02 38111117 or visit any Generali branch in person.
For sales through a branch, an additional confirmation can be downloaded from the Generali client portal at www.generali.sk.
For travel insurance linked to a credit card, the insurance confirmation is issued only by Generali at the phone number 02 38111117 or via email: generali.sk@generali.com.

For VÚB credit cards – Šikovná karta, Mastercard Standard and Mastercard World, travel insurance applies to the cardholder, their family members (partner, common-law partner, husband, wife, children up to 18 years of age, or up to 21 years of age if they are full-time students) or up to 5 accompanying persons. Insurance coverage applies to a maximum of 5 accompanying persons of the cardholder, provided they have a joint reservation for accommodation or travel tickets where they are listed together by name, if they are not family members.

Travel insurance is already included in the price of the main Mastercard World credit card. For additional cards or Mastercard Standard and Šikovná karta, insurance can be arranged via VÚB Internet Banking, at VÚB bank branches, or by phone through the Digital Branch.

Short-term travel insurance can be terminated:

• no later than one day before the insurance start date, provided that the insurance does not include cancellation fee insurance or the premium has not been paid; the insurance contract can be terminated no later than one day before the insurance start date with the termination effective on the insurance start date specified in the contract; if the premium has been paid, the insurer is obliged to refund the full premium to the policyholder;
• by notice given by the insurer or the policyholder within 1 month after the completion of the investigation of a claim event or within 3 months from notifying the insurer of the claim event. The notice period is one month and begins on the date of delivery of the notice; upon its expiry, the insurance terminates. The insurer is entitled to the premium up to the date of termination.

Travel insurance for an indefinite period can be terminated in the following cases:

• provided that the insurance does not include cancellation insurance or the premium has not been paid, the insurance contract may be terminated no later than one day before the insurance start date;
• within 2 months after its conclusion; the notice period is 8 days and begins on the day following the delivery of the notice; upon its expiry, the insurance terminates; in this case, the insurer is entitled to a proportional part of the premium up to the date of termination;
• by written notice at the end of the insurance period, with the notice required to be delivered to the insurer at least 6 weeks before the anniversary of the contract. If you concluded the insurance contract remotely (e.g. via the internet or by phone) for a period of at least one month, you may withdraw from the insurance contract within 14 days of its conclusion.