Travel insurance

BUTTON THAT MAKES A DIFFERENCE

Buy insurance for yourself and your loved ones to gain access to award-winning innovative "Travel assistance"

About travel insurance

  • wide coverage abroad

    in Europe and worldwide

  • you can insure not only yourself

    but also others (they don't have to be our Clients)

  • easy purchase

    with just a few details to fill in, no new login or password required

  • high insurance sums

    per person – up to 800,000 PLN for medical expenses and assistance

Travel insurance packages

Choose region of foreign travel

Obrazek w tle

Europe/worldwide

(excl. USA, Canada, China, Japan)

Worldwide

What does travel insurance cover?

Medical expenses and travel assistance

Medical expenses and travel assistance

In case of an injury or illness, the Insurer will cover for the cost of rescue, medical consultation, tests, procedures, hospitalization, medications, and even for the cost of emergency dental treatments. Someone stole your ID or payment cards? You can't return home due to unforeseen events? The Insurer will provide necessary financial support, as well as translator's or lawyer's assistance. Find out more

Third-party liability insurance in private life

Third-party liability insurance
in private life

Whether it's you accidentally bumping into someone while cycling or skiing, or your child breaking the window, the Insurer will cover for losses that resulted in bodily injury, disability, death or damage to property of another person. Find out more

Accident insurance

Accident insurance

In case of an accident that involves bodily injury (e.g. broken leg, impaired vision, paralysis) or death, the Insurer will provide you or your loved ones with required financial support. Find out more

Adjust coverage to your needs

  • Luggage

    Your bag was stolen? Airline damaged your luggage? The Insurer will pay out compensation enabling you to replace the lost items such as clothing, cosmetics, mobile etc.

  • Extreme sports

    Are you into activity holidays, e.g. diving or skiing? If you have or cause an accident while partaking in high-risk sports, the Insurer will give you financial support.

  • Sports equipment

    Do you take sports equipment with you or plan renting it? If it gets stolen or damaged, the Insurer will cover for the cost of buying new equipment.

  • Chronic illnesses

    Does any traveller suffer from a chronic illness, e.g. diabetes or asthma? In the event of a chronic illness exacerbation, the Insurer will cover the medical expenses.

  • Car assistance

    Are you going on a trip to Europe by car? In the event of a breakdown, car theft or dead battery the Insurer will arrange, among others, for fuel delivery, towing or courtesy car.

How to buy travel insurance?

How to buy travel insurance?

Get a quote and buy travel insurance in Millenet or the mobile app.

If you are not our Client yet, open Konto 360° account.

Get a quote Get a quote

Extra benefits

  • Instant refund

    Instant refund

    You don't have to wait for a refund (e.g. of medical consultation) until you are back home. The Insurer can make a refund in 24 hours while you are still abroad.

  • Discounts for children and groups

    Discounts for children and groups

    Children up to 3 y.o. benefit from 100% discount, and children aged 3 to 18 from 30% discount. Rebates also apply to groups of 6 people and more.

  • Fast purchase

    Fast purchase

    You can save application any time and finish it later in the mobile app or Millenet. You can buy insurance at the last moment: the coverage is valid from the following day.

  • Convenient payment

    Convenient payment

    Pay as you like in seconds – from selected account or credit card in the app and Millenet. You receive the policy instantly, without waiting for the payment to be booked.

  • Online access to your policy

    Online access to your policy

    All essential information on your insurance are available at any time in Millenet and Bank Millennium mobile app. Check details of coverage, insurance sum etc.

  • Quick travel assistance

    Quick travel assistance

    Thanks to "Travel assistance" widget in the mobile app you get help quickly. The Insurer receives an SMS with your location and calls you back.

FAQ

Scope of insurance packages and additional coverage


Medical expenses – what do they include?

Medical expenses include the organisation and coverage of necessary medical expenses and providing emergency medical aid by the Insurer in case of a sudden illness or accident while travelling. Under travel insurance the Insurer covers among others the costs of medical appointments, exams, operations, hospitalization, as well as purchase of medication or dressings, if needed in connection with an injury or illness. Travel insurance also covers assistance in cases of bodily injury or death as a result of a terrorist attack.

Travel insurance also covers losses resulting from participating in recreational sports, such as cross-country skiing, cycling, running, beach volley-ball. But it does not cover losses resulting from participating in more risky sports (e.g. skiing, diving). In such cases one should buy extreme sports coverage.


Travel assistance – what does it include?

The Insurer provides, among other things, assistance in the event of loss or theft of documents, transportation and stay of a relative in the event of the Insured’s hospitalisation, or replacement driver, if the Insured's health condition does not allow him to drive.

Moreover, travel insurance will organise transport after the completion of treatment to the place of lodging. If while travelling you need an interpreter in your contacts with the doctor, have to return to Poland due to a sudden illness of your relative or require a lawyer's assistance, you can count on the Insurer's help.


Third-party liability insurance in private life – what does it include?

Our travel insurance covers the Insured, his minor children and his pets. In the event of personal injury or property damage the Insurer pays out compensation to the claimant.

The insurance covers among others losses arising from:

  • using, possessing, or renting a house or a flat
  • possessing or using property, including property which was used by persons covered by the insurance under an agreement for a lease, rental, letting for use, leasing or another related legal relationship
  • caring for minor children
  • participating in recreational sports, using recreational boating equipment
  • having pets

Accident insurance – what does it include?

Accident insurance covers the consequences of accidents sustained while travelling, such as bodily injury causing a lasting health impairment or death. You will receive the payout, if you sustain lasting damage to your health during the trip (e.g. break your arm, impair your eyesight). In the case of the Insured’s accident-related death while travelling the payout will be made to his relatives.

If you buy extreme sports coverage, you are additionally covered for losses/damages resulting from participating in such sports.


Luggage insurance – what does it include?

Luggage insurance covers among others loss, destruction or damage to luggage while travelling. It covers the items taken for the trip which are owned by the Insured or have been rented by him.

Luggage includes:

  • clothing and other personal belongings
  • movie and still camera
  • mobile phone, tablet
  • pram
  • jewellery
  • suitcases, bags, rucksacks

If you take sports equipment with you, buy additional coverage for it, because it is not included in the scope of your insured luggage.

The Insurer will also reimburse you for the costs, if your luggage is delayed due to the carrier’s fault, and organize, as well as cover the costs of, sending your personal belongings, if they are lost or destroyed due to an incident.


Sports equipment insurance – what does it include?

Sports equipment insurance covers among others loss, destruction or damage to sports equipment while travelling. It covers the sports equipment taken for the trip which is owned by the Insured or has been rented by them.

The definition of sports equipment is very broad, as it covers any equipment connected with participation in recreational or extreme sports indicated in the General Terms and Conditions of Insurance.

In situations mentioned in the General Terms and Conditions of Insurance the Insurer also covers the costs of sports equipment rental.


Extreme sports coverage – what does it include?

Extreme sports coverage is recommended to persons who while travelling are planning to participate in high-risk sports such as skiing, kitesurfing, or mountain biking. This insurance covers medical costs related to one’s participation in risky sports. If the event occurs while practising extreme sports, the Insurer will also cover losses resulting from damage to property, injury, disability, or death of another person and resulting from accidents.


Chronic illness coverage – what does it include?

Chronic illness coverage includes medical expenses incurred due to an exacerbation of a chronic illness while travelling. It also covers third-party liability travel insurance and accident insurance. This means that if any of the events covered by these insurances happens due to an exacerbation of a chronic illness, the Insurer will pay out the benefit.

A chronic illness is a condition characterized by a slow development and a long course of the disease, treated on a regular basis, or from time to time, within 12 months prior to concluding the insurance agreement, during which time there may occur periods of remission or exacerbation; the examples include asthma, diabetes, cancer, coronary artery disease, cardiovascular diseases, hypothyroidism, multiple sclerosis, epilepsy.

If the Insured suffers from a chronic illness, then they should buy this coverage. If his chronic illness aggravates, the Insurer will pay out compensation for the medical assistance, hospitalization, medical transportation which have been provided to the Insured due to the exacerbation of his chronic illness. In addition, the Insurer will also pay out accident insurance compensation, if the injury or death occurred in connection with an accident caused by chronic diseases, and also third-party liability compensation, if the loss/damage caused to a third party or property was related to an exacerbation of a chronic illness.


Car assistance – what does it include?

Car assistance is intended for persons travelling by car in Europe.

It is important that the owner/co-owner of the vehicle or its everyday user be one of the travellers.

Car assistance insurance includes the organization and coverage of the costs of assistance in the event of theft or immobilisation of a vehicle occurring as a result of any of the following events mentioned in the General Terms and Conditions of Insurance, e.g.:

  • vehicle breakdown
  • collision of vehicles
  • sudden contact of the vehicle with persons, animals or objects coming from outside of the vehicle
  • discharge of the battery
  • flat or damaged tyre
  • being out of fuel or having wrong fuel in the vehicle tank
  • theft of vehicle parts
  • Under the car assistance insurance the Insurer will cover the costs and organise different services, e.g.:

    • on-the-spot repairs
    • vehicle towing
    • fuel delivery
    • replacement car
    • continuation of travel/ return home
    • Car assistance insurance is offered for cars which:

      • do not have a steering wheel on the right side of the car
      • are not rented or hired
      • in the case of leased cars or company cars they will not be used for commercial purposes while travelling.

Scope of the travel insurance and duration of coverage


Who is covered by the policy, when and where?

The insurance covers the persons indicated by you when purchasing travel insurance (max. 10 persons). Their data are to be found on the policy.

The start and end dates of the coverage are written on the policy confirming the conclusion of travel insurance agreement. Coverage is provided subject to payment of the premiums.

The territorial scope where travel insurance coverage is provided is indicated on the policy and is consistent with what you indicated when you purchased your insurance. You have the choice of the following territorial scope: Europe, worldwide (excl. USA, Canada, China and Japan), and worldwide.


When does the coverage start?

You are covered with the travel insurance from the day indicated on the policy (00:00 hours), on condition of paying the premium. Your policy can be valid from the next day after purchasing, at the earliest – you cannot buy "same day insurance".


I’m going skiing – am I covered?

To be covered by the travel insurance while skiing, extend your protection to extreme sports. In the event of an accident, you can then count on the Insurer to cover the costs of the services, e.g. costs of medical rescue (medical evacuation) or medical expenses. Basic packages include recreational sports only, such as running, cycling, cross-country skiing.


Does the travel insurance also cover dental medical expenses?

Yes, the travel insurance also covers dental treatment up to 2000 PLN, as well as the purchase of prostheses, also up to 2000 PLN.


Does the travel insurance also cover the effects of terrorist attacks?

Yes, under the travel insurance the Insurer shall be liable for the consequences of accidents resulting from acts of terrorism that occurred during the Insured's stay within the territory of a given country. Please note that the Insurer's liability survives no longer than until the end of the insurance period, but maximum up to the 7th day from the date of the act of terrorism. Protection is provided up to 50% of the sum insured of medical expenses and travel assistance.

The insurance does not cover the countries which are subject, as of the day of concluding the insurance agreement, to travel warnings: "Do not travel" or "Leave Immediately" published by the Ministry of Foreign Affairs of the Republic of Poland on its official website, due to a risk of terrorist acts, warfare, martial law or state of emergency.


Does the travel insurance also cover refunds of the costs of a flight/trip, if they are cancelled or delayed?

No, this travel insurance does not cover such cases. However, if you are abroad and cannot return to your place of residence due to force majeure (such as a volcanic eruption), the Insurer will assist you in organising your repatriation and cover the cost of transportation and will cover the cost of food and accommodation until the transport is arranged - for a period no longer than 2 days.


Does my travel insurance also cover Poland?

No, travel insurance does not cover the territory of Poland.


Are the overseas territories of European countries (e.g. Azores, Canary Islands) included in the region of Europe, or do I have to take out worldwide travel insurance?

Overseas territories of the European countries are included in the region of Europe.


I suffer from a chronic illness (e.g. diabetes), am I covered under travel insurance?

Remember that basic travel insurance packages do not cover the consequences of chronic illness exacerbations or chronic illness-related events (for example, if you cause an accident resulting from a heart attack due to your chronic illness). If you suffer from such an illness, expand your travel insurance by including chronic diseases. Then you will be able to count on the Insurer to cover the costs of the benefits.


Hide Show more

Purchase and payment (how, where and for whom you can buy travel insurance)


Can I buy travel insurance for someone else and not travel myself?

You do not need to be one of the insured persons, or indeed go on the trip yourself. You can e.g. buy travel insurance for children going to a summer camp without you.

Persons whom you wish to buy travel insurance need not be Bank Millennium Clients. You can insure up to 10 persons under one policy. If you want to insure more, buy another policy.


Can I insure a child only?

Yes, you can buy travel insurance for a child only if the child is over 3 years old. A child under 3 cannot be the only person indicated on the policy and must be insured with at least one adult or child over 3 years of age.


Can I take out travel insurance if I go on a business trip? Can I take out insurance for my employees?

Yes, you can take out travel insurance, if you or your employees do lower-risk work, i.e. white-collar jobs, work related to cultural and educational activities, participation in theoretical conferences and training, caring for children and the elderly, modelling. Persons performing lower-risk jobs shall also include medical personnel, teachers and lecturers, housekeepers and persons engaged in manual arts and crafts, as well as catering work.


I have a company car, can I expand the coverage by car assistance?

Yes, you can expand you travel insurance by car assistance also for company and leased cars. But these vehicles must not be used while travelling for commercial/ company-business purposes. It is important that the owner/co-owner of the vehicle or its everyday user be one of the travellers.


Hide Show more

Making a claim and claim adjustment


How to make a claim and claim adjustment?

If you have an accident or get sick while travelling, contact the Insurer at 58 558 73 00.

You can also use the option of fast contact with the Insurer through the Bank Millennium mobile application, available offline (without internet connection). A text message will be sent to the Insurer with a request to call you back and the particulars of your location, so that you can get help faster. In addition, you will reduce the cost of your calls, because it will be the Insurer who will call you.

Your loss can be reported 24/7.


What documents, if any, do I have to submit to obtain compensation under travel insurance?

At the time of filing a claim, the Insurer will inform you what documents are necessary to handle your claim. In the case of medical expenses and travel assistance, and accident travel insurance you need to present:

  • the medical decision or diagnosis, and other documents stating the reasons for and scope of the medical assistance provided;
  • the bills or proof of their payment.

How long does it take to pay out the compensation for travel insurance once a claim has been filed?

In the case of a claim under medical expenses and travel assistance the Emergency Centre will indicate the medical facility which is the nearest to the place where you are, where the non-cash settlement of the claim can be made, which means that you will not need to pay the necessary medical expenses. In such a situation the claim is immediately settled and you do not incur any costs.

If the medical facility indicated by the Emergency Centre is too far for you and another medical facility is closer to your current place of residence, the Emergency Centre will indicate it to you and make an appointment. In such a situation:

  • if the cost of the appointment does not exceed PLN 1200, the Insurer shall reimburse you for the incurred costs at the latest within 24 hours from providing the service by the medical facility;
  • if the costs of the appointment are higher than PLN 1200, you will need to cover them yourself, and then settle with the Insurer. You will be reimbursed for the cost of the service within 30 days from informing the Insurer and passing on the required documents.

Compensation for losses under third-party liability insurance in private life, accident travel insurance, luggage insurance or sports equipment insurance shall be paid out within 30 days from the Insurer’s receiving of the report about the event and the required documentation.

Amendments and incorrect details on the travel insurance policy


I will return later than indicated in the policy, what should I do to be covered for the whole duration of my travel?

You need to buy a second policy of travel insurance in which you will indicate the missing coverage period.


It turned out that more people are going on the trip, can I add them to the insurance?

In this situation it is enough to buy another policy.


I have provided incorrect data in the travel insurance agreement, what can I do?

Call your Insurer at 58 558 73 00 to make changes in the travel insurance policy.


Applying for travel insurance, I chose the wrong travel region – Europe instead of worldwide, what to do?

In such a situation, you can withdraw from your previous travel insurance agreement and buy a new policy because otherwise you will not be covered by the travel insurance when you are outside Europe.


On the policy of travel insurance there are abbreviated/diminutive forms instead of full names. Is this a mistake?

No, it is not; just make sure that the remaining particulars of the Insureds (PESEL, document number) are correct.

Withdrawing from the contract of travel insurance and making a complaint


Can I withdraw from the travel insurance agreement?

You can withdraw from the travel insurance agreement:

  • In the case of an travel insurance agreement concluded for a period shorter than 30 days: not later than the day before the coverage commences. You will then receive a full refund.
  • In the case of an travel insurance agreement concluded for a period longer than 29 days: within 30 days from concluding the insurance agreement. In such a situation you are entitled to a refund of the premium for the unused period of coverage. Such refund will be made directly by the Insurer.

How can I withdraw from the travel insurance agreement?

The Policy Holder may submit his withdrawal:

  • using the individual account on: polisaonline.ergohestia.pl (you will be texted the login data)
  • using the form on the website: www.ergohestia.pl
  • by calling 58 558 73 00
  • by writing to the address of the Insurer’s head office
  • verbally or in writing at the Insurer’s office or the Insurer’s representative office.

The response to a complaint will be sent within 30 days of its receiving in writing or via another durable medium of information or by email. In particularly complicated cases which make it impossible to process and respond to the complaint within the time limit set forth above, the response will be sent within 60 days from the day of receipt. The person submitting the complaint will be informed of the reason for the delay, the circumstances that need to be established for the consideration of the case and the expected date of considering the complaint and responding to it.


How can I file a complaint regarding travel insurance?

Complaints can be filed:

  • through the individual account on polisaonline.ergohestia.pl;
  • using the form on www.ergohestia.pl;
  • by calling: 58 558 73 00;
  • by writing to the address of Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA, ul. Hestii 1, 81-731 Sopot;
  • verbally or in writing at the Insurer’s office or the Insurer’s representative office.

The response to a complaint will be sent within 30 days of its receiving in writing or via another durable medium of information or by email. In particularly complicated cases which make it impossible to process and respond to the complaint within the time limit set forth above, the response will be sent within 60 days from the day of receipt. The person submitting the complaint will be informed of the reason for the delay, the circumstances that need to be established for the consideration of the case and the expected date of considering the complaint and responding to it.


Can I cancel my trip for any reason and recover the full amount paid for the travel?

Cancellation of travel is not covered by the travel insurance.

Other question


Why do I need to take out travel insurance if I have a European Health Insurance Card (EHIC)?

The EHIC covers medical expenses only at medical facilities which have an agreement signed with the counterpart of our National Health Fund (NFZ), upon the principles in a particular country (e.g. it may be necessary to make a partial co-payment for the services) and only within the European Union. By purchasing travel insurance, you are covered for medical expenses in all facilities (at no cost to you in such facilities with which the Insurer has a contract. In the remaining facilities you shall be reimbursed within 30 days), Moreover, the travel insurance at Bank Millennium can be bought not only for Europe but also for the whole world.

Neither does the EHIC cover the costs of medical transport to Poland, which are included in travel insurance at Bank Millennium.

Moreover, if you buy travel insurance, you will receive additional insurance: third-party liability insurance in private life and accident insurance, you may also have the following add-ons to the travel insurance policy: luggage insurance, sports equipment insurance, extreme sports coverage, chronic illness coverage or car assistance.


Why do I need a travel insurance policy at Bank Millennium; after all I already have one with my tour operator?

Very often travel insurance provided by tour operators for particular tours has low sums insured and narrow insurance coverage. This means that in the event of a sickness or an accident the sum insured is not sufficient to cover all the costs, or perhaps the event in question will not even be covered by the insurance at all.


Do I need to take the policy with me on my trip?

It is important to have the policy number and the particulars of the insured persons. All this information will be found in Bank Millennium’s mobile app and on Millenet.


Are there any discounts for travel insurance?

Yes. There are discounts for children up to 3 years of age (almost 100%), children from 3 to 18 years old (up to 30%) and discounts for groups of 6 people or more (up to 10%).


Hide Show more

Get in touch with us

<b>Get in touch</b> with us

Check your quote
and buy insurance online

Get a quote
<b>Get in touch</b> with us

Should you have any questions,
call us at

22 598 41 07
Monday - Friday 10:00 a.m. - 6:00 p.m.