MultiTrip Annual Travel Insurance
In order to be insured for COVID-19 during non-essential (e.g. leisure) trips even in orange, (dark) red, unmarked and black countries, arrange MultiTrip Premium. Variant Comfort and Corporate covers risk associated with COVID-19 only in destination marked green. When you travel to orange, (dark) red, unmarked and black countries arrange SingleTrip with extension COVID Plus. If you already have our MultiTrip insurance, you will get SingleTrip with 30% discount.
- always available in the mobile application Moje Evropská
- top quality and no administration
- broadest insurance cover on the Czech market
- simplified and comprehensible insurance terms and conditions
- saves time and worries before travel abroad
- unlimited number of trips during the year (up to 45 days for one trip)
- includes trip cancellation insurance (tour, air-tickets, accommodation)
- also covers items belonging to your employer (notebooks, mobile phones)
- 30% discount on trip cancellation insurance
- bargain price for the family or partners
FAQ
What is the difference between SingleTrip insurance for 360 days and MultiTrip annual insurance?
SingleTrip insurance can be arranged for a single trip that can last up to 360 days. MultiTrip annual insurance is for frequent travellers - it covers unlimited number of trips and each of them can last up to 45 days. The insurance products also vary by coverage limits and extension options.
We have our own English speaking specialized assistance services centre that you can call 24/7. We personally check healthcare providers in tourist resorts so you can be sure to receive the best medical care. Moreover, you often do not have to pay anything in such partner hospitals, you just need to sign the bill. Thanks to the My Evropská mobile app, you don’t need to carry any unnecessary papers, your insurance cards is always at your fingertips in your mobile phone. We proccess the damages very fast. If you provide all necessarry documents, we will settle the claim in unrivaled time of 7 working days. Our insurance conditions are comprehensible, don’t be afraid to read them.
Basic variant of MultiTrip annual insurance applies to regular holiday and beach sports and stay or activities at an altitude of up to 3,500 m above sea level. If you plan to go on sport holidays, you can extend your cover by insurance for winter or hazardous sports. Comfort variant can be extended by winter sports. Premium variant already includes winter sports and can be extended by hazardous sports.
In the EU (as well as in Norway, Liechtenstein, Iceland and Switzerland) you are entitled to receive the necessary health care during your stay abroad. However, these services are not free of charge, so in most cases you will not save money. You can only be treated in public healthcare facilities and your home insurance company will pay for the treatment to the amount that is normally covered by local health insurance companies. Just like locals, you will have to pay the deductible that can be quite high. You will have to arrange everything yourself because the EHIC card does not include assistance services and does not cover any costs for transport to the Czech Republic.
Some of the credit card travel insurance products apply to the medical expenses, the insurance coverage limits are not high enough and the deductible has to be paid for each insured event (up to CZK 5 000). It usually does not include trip cancellation insurance and/or other travel related risks. If you rely on credit card insurance, make sure to check its coverage.
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Insurance Details
MultiTrip travel insurance protects you on recurrent trips out of the Czech Republic for a period of one year. In addition, until the end of October, with extended validity also for vacation in the Czech Republic. The maximum duration of your trip may be up to 45 days. You can negotiate insurance for one person or a bargain package for partners or the whole family in several variants with different insurance coverage limits and territorial validity.
Insurance coverage
Each variant includes insurance of medical expenses, assistance services, accidental death or permanent disablement, luggage theft or damage, personal liability for bodily injury or property damage, legal protection and trip cancellation.
In order to be insured for COVID-19 during non-essential (e.g. leisure) trips even in orange, (dark) red and unmarked countries, arrange MultiTrip Premium.
Variant Comfort and Corporate covers risk associated with COVID-19 only in destination marked green. When you travel to orange, (dark) red, unmarked and black countries arrange SingleTrip insurance. If you already have our MultiTrip insurance, you will get SingleTrip insurance with 30% discount.
Deductible
Insurance can be contracted with or without a deductible. If you choose the variant with the deductible, you will have to pay CZK 1,500 for each insured event. In the table of insurance coverage limits, you will also find when and the extent to which you are a party to each indemnified insurance event.
For trip cancellation insurance, the deductible is 20% (only 10% in case of hospitalisation).
The basic variant of MultiTrip travel insurance applies to standard recreation and beach sports and stay or activities in the zone up to 3,500 metres above sea level. If you are preparing for a sports holiday, you can supplement the insurance to cover winter or hazardous sports.
Winter sports
Extend your insurance to cover winter sports on marked and groomed trailsor places (cross country skiing, snowboarding, bob-sleighing, sleighing, etc.). It also includes personal liability (for example, in case of collision with another skier), substitute equipment rental and compensation for unused holidays.
This supplement can be negotiated to the MultiTrip Comfort variant. The Premium variant already includes insurance of winter sports.
Hazardous sports
Covers you when engaging in sports such as diving, via ferratas with a grading of C-E, rafting, horse-riding, mountaineering above 3,500 metres above sea level, paragliding or cyclo-cross. The full list of hazardous sports is available in the insurance terms and conditions or in the “FAQ” section.
This supplement can be negotiated only for the MultiTrip Premium variant.
Trip cancellation insurance with almost 30% discount
The basic annual MultiTrip insurance already includes trip cancellation insurance with the limit ranging between CZK 10,000 and 30,000 (depending on the product variant). However, your holiday might have cost even more, or you may have reached your limit during the year. For this particular trip, make sure to arrange, in good time, a single trip cancellation insurance, which you will get from us with almost 30% discount (5 % of the price, instead of 7 % as is usually the case).
The maximum price of a tour or travel services that we insure is CZK 300,000 per insurance contract, family or co-travellers. You must conclude the insurance within 3 working days after payment for the first travel service (for “last minute” services on the date of payment for the services).
Special tariffs
Take advantage of a special offer for families and partners. The "Family" tariff is valid for up to 5 family members (1-2 adults up to 18-69 years of age traveling with their own 1-3 children under the age of 18), the "Partner" tariff applies to 2 adults (both married/unmarried couples and registered partners).
Discounts offered
By logging in to the My Evropská client zone, you get an additional 10% discount on any insurance product that we offer on-line.
| Insurance Coverage(Limits in CZK) | Comfort | Premium |
|---|---|---|
| Medical Expenses | 3 000 000 | 6 000 000 |
| Emergency Dental Treatment | 25 000 | 35 000 |
| Physiotherapy | 60 000 | 120 000 |
| Hospitalization Benefit * | - | 10 000 |
| Active Assistance | unlimited | unlimited |
| Transportation, Relocation & Repatriation | 1 000 000 | 2 000 000 |
| Repatriation of Remains | 1 000 000 | 1 000 000 |
| Funeral Expenses | 100 000 | 100 000 |
| Escort | 60 000 | 120 000 |
| Permanent Disablement | 200 000 | 400 000 |
| Accidental Death | 100 000 | 200 000 |
| Personal Effects Damage | 15 000 | 30 000 |
| Travel Documents | 5 000 | 10 000 |
| Business Effects | - | yes |
| Luggage Delay ** | - | 10 000 |
| Liability for Bodily Injury | 2 000 000 | 6 000 000 |
| Liability for Property Damage | 1 000 000 | 3 000 000 |
| Legal Expenses | 100 000 | 200 000 |
| Missed Departure | - | 5 000 |
| Delayed Departure *** | - | 5 000 |
| Trip Cancellation ***** | 10 000 | 20 000 |
| Travel Curtailment | - | 10 000 |
| Travel Interruption | - | 25 000 |
| Unused Holidays * | - | 10 000 |
| Towing Expenses | - | 10 000 |
| Substitute Transport and Accommodation | - | 20 000 |
| Rent-A-Car Accident - Deductible | - | 5 000 |
| Hijack **** | - | 25 000 |
Explanatory notes:*) CZK 2 000 per day, **) CZK 10 000 per each 12 hours, ***) CZK 1 000 per each 6 hours, ****) CZK 10 000 per each 24 hours, *****) 20% deductible, 10% in the event of hospitalization.
| Insurance Coverage(Limits in CZK) | Comfort | Premium |
|---|---|---|
| Medical Expenses incl. COVID-19 | 6 000 000 | 12 000 000 |
| Emergency Dental Treatment | 30 000 | 40 000 |
| Physiotherapy | 60 000 | 120 000 |
| Hospitalization Benefit * | - | 20 000 |
| Active Assistance | unlimited | unlimited |
| Transportation, Relocation & Repatriation | 2 000 000 | 4 000 000 |
| Repatriation of Remains | 1 000 000 | 2 000 000 |
| Funeral Expenses | 100 000 | 200 000 |
| Escort | 120 000 | 240 000 |
| Permanent Disablement | 400 000 | 800 000 |
| Accidental Death | 200 000 | 400 000 |
| Personal Effects Damage | 30 000 | 60 000 |
| Travel Documents | 10 000 | 20 000 |
| Business Effects | - | yes |
| Luggage Delay ** | - | 20 000 |
| Liability for Bodily Injury | 4 000 000 | 12 000 000 |
| Liability for Property Damage | 2 000 000 | 6 000 000 |
| Legal Expenses | 200 000 | 400 000 |
| Missed Departure | - | 10 000 |
| Delayed Departure *** | - | 10 000 |
| Trip Cancellation ***** | 15 000 | 30 000 |
| Travel Curtailment | - | 20 000 |
| Travel Interruption | - | 50 000 |
| Unused Holidays * | - | 20 000 |
| Towing Expenses | - | 10 000 |
| Substitute Transport and Accommodation | - | 20 000 |
| Rent-A-Car Accident - Deductible | - | 5 000 |
| Hijack **** | - | 50 000 |
Explanatory notes:*) CZK 2 000 per day, **) CZK 10 000 per each 12 hours, ***) CZK 1 000 per each 6 hours, ****) CZK 10 000 per each 24 hours, *****) 20% deductible, 10% in the event of hospitalization.
