Information to read before entering into an insurance contract

• Information about the insurance intermediary
  • Information about the insurance intermediary
• Terms of insurance from PJSC PZU Ukraine Insurance Company
  • Product information document "Comprehensive insurance for travellers abroad"
  • Product information document for the "Classic" program
• Insurance terms and conditions from INGO Insurance Company
  • OPTIMAL insurance program
  • PLATINUM insurance program
  • STANDARD insurance program
  • ELITE insurance program
• Insurance terms and conditions from VUSO Insurance Company
  • Information document about the VUSO Mandrivnyk product
  • Information document about the VUSO Paspartu product
• Insurance conditions from ARX Insurance Company
  • Information document of the product "Travel insurance"

• What is travel insurance for?

  This is a mandatory type of insurance for all those traveling abroad, as stipulated by the Law of Ukraine "On Tourism".
  The policy ensures the organisation and payment for medical services in case of illness or accident. 
  It is also required when applying for a visa.
  
  

• Which documents are required to take out travel insurance?

   Foreign passport, identification code (TIN).

• What is meant by a single and multiple trip?

  A single trip involves travelling abroad once for a specified period.
  Multiple trips (multivisa) allow you to cross the border several times during the policy period.

• Which countries are part of the Schengen area?

  The Schengen area includes Austria, Belgium, Denmark, Finland, France, Greece, Spain, Luxembourg, the Netherlands, Portugal, Sweden, Italy, Latvia, Lithuania, Malta, Poland, the Czech Republic, Slovakia, Slovenia, Hungary, Norway, Iceland and Switzerland.

• What insurance amount should I choose?

  30,000 USD/EUR is the minimum required insurance amount.
  For traveling to the USA and Canada, we recommend choosing 50,000 USD/EUR. In most cases, this is a requirement of embassies to obtain a visa to these countries.
  The currency of the insurance amount is determined depending on the country you choose.

• Is there a franchise?

  A franchise is a part of the loss amount that is not reimbursed by the insurance company. In most cases, the deductible does not apply, but it may apply to certain services, see the description of each insurance company or insurance policy for more details, as the conditions may differ.

• What are the insurance risks and what is included in the travel insurance?

  All insurance options include the most necessary service:

  • emergency medical and dental care;
  • medicines, medical transportation if necessary, repatriation.

  See the description for each insurance company in more detail, as conditions may vary.

• Does travel insurance cover COVID-19 or do I need separate insurance?

  All policies already include coverage for COVID-19.

• What does a travel insurance policy not cover?
  • treatment of injuries sustained in force majeure circumstances: during military conflicts, civil unrest, revolutions, or terrorist attacks, as well as during stay in countries not recommended by the Ministry of Internal Affairs of Ukraine
  • treatment of diseases that occurred before the conclusion of the contract
  • treatment of diseases and injuries that resulted from actions with unjustified risk to life and health, the performance of physical work for hire (if the insurance policy is not issued for this purpose), professional sports, or participation in competitions
  • medical goods and medicines for health improvement and prevention: vaccines, vitamins, preventive examinations, sanatorium treatment, etc.
  • treatment of injuries that the insured received under the influence of alcohol or drugs
  • cosmetic and plastic surgeries
  • dental services (except for emergency treatment)
  • childbirth
• What to do if an insured event occurs?

  You just need to contact the assistance company, which will search for the nearest hospital, arrange an appointment with a doctor, organize the delivery of medicines, etc. The number of the assistance company is indicated in the insurance policy.

• What is the difference between a policyholder and an insured?

  The policyholder is the one who signs the contract. The Insured is the person who is going on the trip.
  If you are signing the contract and you are going on a trip, use the "Copy data" button to avoid entering the data again.
  According to the law of Ukraine, only an adult Insured may enter into the contract. At the same time, the age of the insured persons under the contract may be from 0 years.

• Do I need to print out the electronic policy?

  An electronic policy and a blank (paper) policy have the same legal force and meet all the requirements of Ukrainian legislation.
  You can print out the policy or simply save it on your phone.
  If you need a policy with a "wet stamp", please contact our specialists.

• Does the agreement come with a seal?

  Each electronic contract is signed with an electronic digital signature, which has the same legal force as a conventional signature. In some cases, a facsimile seal and signature are additionally used.

• How to buy travel insurance for a child online?

  When applying for travel insurance for a child, you need to enter your personal data (of one of the parents or other adult persons accompanying the child) in the "policyholder" block and the child's data in the "insured No. 1" block, and then pay for the policy.

• What should I do if I made a mistake when filling out the form and have already paid for the policy?

  Contact the support of our bank and inform us about this, and we will correct your mistake and send you a policy with the correct data.

• I can't pay for travel insurance, what should I do?

  Check your card balance. Make sure that you do not have a limit on online purchases, or that the ability to make online payments is not disabled. You can do this through your bank's app or by checking with the bank's hotline. If there is nothing wrong with your card, but the problem is not resolved, write to our bank's chat immediately. We will be glad to help.