TRAVEL INSURANCE INFORMATION

Travellin — Travel Insurance, Insurance Products, Coverage, Claims & Provider Disclosure

Last Updated: 24 August 2026
Effective Date: 24 August 2026

Important: Travellin must not describe itself as an insurer or imply that insurance is automatically included with a travel booking unless that is expressly and contractually correct. The actual insurer, insurance intermediary/distributor, policyholder/contracting party, insured risks, exclusions, premium, IPID/policy wording and claims procedure must be identified for each insurance product offered.

1. Purpose of This Information

This page explains the general position concerning travel insurance products that may be displayed, referred, marketed or made available through Travellin.

Travel insurance may provide protection against specified risks associated with travel, which can include:

• medical emergencies abroad;
• emergency medical treatment;
• repatriation;
• trip cancellation;
• trip interruption;
• travel delay;
• missed departure;
• baggage loss;
• baggage delay;
• baggage damage;
• personal liability;
• personal accident;
• legal expenses;
• or other insured events.

Coverage is determined exclusively by the applicable insurance policy and its contractual terms.

Information on this page does not constitute an insurance policy, certificate of insurance or guarantee of cover.

2. Travellin’s Role

Travellin is operated by:

BETZONE s.r.o.
Platform: Travellin
Jurisdiction of establishment: Czech Republic

Travellin may, depending on the particular insurance arrangement, act as:

• an affiliate/referral platform;
• a marketing or lead-generation platform;
• an insurance-product distributor/intermediary where legally authorised and appropriately registered;
• or a technology platform directing customers to an authorised insurance provider or intermediary.

Travellin is not an insurance company.

Where Travellin merely refers a customer to an independent insurance provider or intermediary, the insurance contract is between the customer and the relevant insurance provider/contracting party.

3. Insurance Provider

The actual insurance provider must be identified in the applicable insurance documentation.

Customers should verify:

• insurer name;
• registered address;
• insurance licence/authorisation where relevant;
• policy number;
• intermediary/distributor details;
• claims administrator;
• emergency assistance provider;
• and applicable jurisdiction.

The identity of the insurer takes precedence over generic references to “Travellin insurance”.

4. Insurance Is Not Automatically Included

Unless the booking explicitly states otherwise:

Travel insurance is not included in the price of a flight, accommodation, activity or other travel service.

Customers should not assume that:

• cancellation protection;
• medical insurance;
• baggage insurance;
• accident cover;
• or any other insurance

is automatically included.

5. Optional Insurance

Where insurance is offered as an optional product, the customer should be given an appropriate opportunity to decide whether to purchase it.

The customer should review the insurance information before purchasing.

6. Insurance Contract

Where insurance is purchased, the insurance contract is governed by:

• the policy wording;
• schedule/certificate;
• applicable terms and conditions;
• exclusions;
• endorsements;
• declarations;
• and applicable insurance law.

The insurance policy, not Travellin’s general website description, determines the customer’s rights and obligations.

7. Important Insurance Documents

Before purchasing insurance, customers should review the applicable documents, which may include:

• Insurance Product Information Document (IPID);
• policy wording;
• terms and conditions;
• policy schedule;
• certificate;
• exclusions;
• claims procedure;
• emergency assistance information;
• and pre-contractual information required by law.

Where applicable, the IPID provides a standardised summary of the insurance product.

8. Insurance Coverage

Travel insurance may cover some or all of the following, depending entirely on the policy.

Medical expenses

Cover for qualifying medical treatment abroad.

Emergency assistance

Assistance following a qualifying medical emergency.

Repatriation

Transportation to the customer’s home country or another appropriate location where covered.

Cancellation

Certain prepaid travel costs following an insured cancellation event.

Curtailment

Certain additional costs where a trip must be interrupted for an insured reason.

Baggage

Loss, theft, damage or delay where covered.

Travel delay

Certain expenses or compensation resulting from qualifying delays.

Personal liability

Certain claims made against the insured for qualifying accidental events.

9. Medical Cover

Customers travelling internationally should carefully assess whether their insurance provides sufficient medical protection.

Medical cover may include:

• emergency treatment;
• hospitalisation;
• emergency dental treatment;
• ambulance transportation;
• specialist treatment;
• repatriation;
• and emergency assistance.

The exact coverage, limits and exclusions depend upon the policy.

10. Medical Expenses Are Not Automatically Covered

A medical expense is not necessarily insured simply because it occurs while travelling.

The policy may require:

• an insured event;
• prior authorisation;
• use of an approved assistance provider;
• reasonable and necessary treatment;
• or other conditions.

Customers should contact the insurer’s emergency assistance service where required.

11. Pre-Existing Medical Conditions

Travel insurance may contain specific provisions concerning pre-existing medical conditions.

Depending on the policy, a condition may:

• be covered;
• require medical screening;
• require additional premium;
• be subject to a specific exclusion;
• or be excluded entirely.

Customers must provide accurate information where the insurer requires disclosure.

12. Failure to Disclose Relevant Information

Failure to provide accurate information requested by the insurer may affect:

• validity of the policy;
• claim eligibility;
• premium;
• coverage;
• or settlement.

Customers should answer insurer questions accurately and completely.

13. Medical Assistance Abroad

In a medical emergency, customers should seek appropriate emergency medical treatment first.

Where the policy provides an emergency assistance service, the customer should contact the insurer/assistance provider as soon as reasonably possible.

The emergency telephone number should be taken directly from the insurance documentation.

14. Repatriation

Repatriation may be covered where medically necessary and approved under the policy.

It may involve:

• medically supervised transport;
• scheduled commercial flight;
• specialist transport;
• ambulance;
• or another appropriate method.

The insurer or assistance provider normally determines the appropriate arrangements under the policy.

15. Cancellation Insurance

Cancellation cover may reimburse qualifying non-refundable travel costs when the trip cannot be taken because of an insured event.

Examples may include certain:

• illnesses;
• serious injuries;
• deaths of specified persons;
• unexpected events;
• or other circumstances expressly covered by the policy.

A customer’s change of mind is generally not an insured event unless the policy expressly provides such cover.

16. Cancellation Before Purchasing Insurance

Insurance cannot normally cover an event that was already known or reasonably foreseeable when the policy was purchased.

Customers should therefore review the timing requirements carefully.

17. Trip Interruption / Curtailment

Some policies provide cover where the customer must return home after departure because of an insured event.

Potentially covered costs may include:

• unused prepaid travel expenses;
• additional transportation;
• accommodation;
• or other qualifying costs.

The policy determines the applicable limits.

18. Travel Delay

Some policies provide benefits where a journey is delayed for a qualifying period.

Coverage may include:

• reasonable additional accommodation;
• meals;
• transportation;
• or a fixed benefit.

The policy conditions apply.

19. Missed Departure

Some insurance products cover additional reasonable travel expenses resulting from a qualifying missed departure.

This may depend on the cause of the missed departure.

A missed flight caused by a customer’s failure to allow sufficient time for travel may not be covered.

20. Missed Connection

Some policies provide protection following a qualifying missed connection.

Coverage may depend upon:

• whether the services were booked together;
• cause of the missed connection;
• minimum delay;
• and policy terms.

Customers should not assume that separate bookings automatically receive connection protection.

21. Baggage Cover

Where baggage insurance is included, the policy may cover:

• theft;
• accidental damage;
• loss;
• delayed baggage;
• or other specified events.

There may be:

• per-item limits;
• total limits;
• deductibles/excess;
• exclusions;
• and special limits for valuables.

22. Valuables

Items such as:

• phones;
• laptops;
• cameras;
• jewellery;
• watches;
• cash;
• passports;
• and other valuables

may have special limits or exclusions.

Customers should check the policy before travelling with expensive belongings.

23. Baggage Delay

Some policies provide a limited benefit when checked baggage is delayed for a specified minimum period.

The policy may require:

• airline documentation;
• baggage irregularity report;
• receipts;
• and proof of delay.

24. Personal Liability

Some travel insurance policies provide personal liability cover.

This may protect the insured against certain claims arising from accidental:

• bodily injury;
• death;
• or property damage

caused to another person.

The precise scope is determined by the policy.

25. Legal Expenses

Some policies may include legal-expense protection.

This is subject to:

• policy limits;
• qualifying events;
• exclusions;
• appointed legal representatives;
• and insurer approval.

26. Sports and Adventure Activities

Standard travel insurance may exclude or restrict activities such as:

• skiing;
• snowboarding;
• scuba diving;
• surfing;
• climbing;
• rafting;
• canyoning;
• paragliding;
• jet skiing;
• motorsports;
• mountaineering;
• or other higher-risk activities.

Customers participating in such activities should verify that the policy expressly covers them.

27. Winter Sports Cover

Skiing and snowboarding may require dedicated winter-sports insurance or an additional policy extension.

Potential cover may include:

• piste rescue;
• mountain rescue;
• equipment;
• ski-pass costs;
• piste closure;
• medical treatment;
• and cancellation.

Only the purchased policy determines what is covered.

28. Water Sports

Water sports may have specific exclusions or activity classifications.

Customers should verify coverage before participating in:

• diving;
• surfing;
• kitesurfing;
• windsurfing;
• sailing;
• jet skiing;
• rafting;
• kayaking;
• or similar activities.

29. Equipment Rental

Insurance may or may not cover:

• rented bicycles;
• skis;
• snowboards;
• diving equipment;
• surfboards;
• cameras;
• or other rented equipment.

Customers must check the applicable policy.

30. Alcohol and Drugs

Insurance policies commonly contain exclusions or restrictions concerning events occurring while the insured is:

• intoxicated;
• under the influence of alcohol;
• or affected by illegal drugs.

The precise wording of the policy applies.

31. Illegal or Reckless Conduct

Claims may be excluded where the insured deliberately or recklessly exposes themselves to an insured risk, subject to applicable law and the exact policy wording.

32. Travel Advisories

Insurance coverage may be affected where a customer travels:

• against official government advice;
• to a restricted area;
• into an active conflict zone;
• or to a location subject to specific insurer exclusions.

Customers should review the territorial and travel-advisory provisions before departure.

33. War, Terrorism and Civil Unrest

Policies differ significantly regarding:

• war;
• terrorism;
• civil unrest;
• riots;
• political instability;
• military action;
• and evacuation.

Customers should read the relevant exclusions and extensions carefully.

34. Natural Disasters

Some policies may provide protection following events such as:

• earthquakes;
• hurricanes;
• floods;
• volcanic eruptions;
• wildfires;
• or other natural disasters.

Coverage depends upon the policy and circumstances.

35. Pandemics and Epidemics

Coverage for:

• pandemics;
• epidemics;
• quarantine;
• border closures;
• infectious disease;
• or government restrictions

varies between policies.

Customers should not assume that these events are automatically covered.

36. Pregnancy

Pregnancy-related cover may be subject to:

• gestational limits;
• medical conditions;
• exclusions;
• screening;
• and specific policy requirements.

Customers should review the policy before travelling.

37. Travel Documentation

Insurance does not replace responsibility for:

• passports;
• visas;
• residence permits;
• entry requirements;
• vaccinations where legally required;
• or other travel documentation.

Failure to obtain required documents may affect a claim.

38. Insurance Territorial Limits

Insurance may apply:

• worldwide;
• worldwide excluding certain territories;
• Europe;
• specific countries;
• or another defined geographical area.

Customers should confirm that their destination is within the policy territory.

39. Duration of Cover

Policies may contain:

• maximum trip duration;
• annual policy limits;
• maximum number of days per trip;
• age restrictions;
• or other temporal limitations.

Coverage should be checked against the entire intended trip.

40. Policy Start Date

Cancellation cover may commence at a different time from medical or travel cover.

Customers must check the policy schedule for:

• policy start date;
• trip start date;
• cancellation cover commencement;
• and expiry date.

41. Excess / Deductible

An insurance policy may include an excess or deductible.

This is the amount the insured must normally bear before the insurer pays an eligible claim.

The applicable excess may vary between types of claim.

42. Policy Limits

Insurance policies contain maximum limits.

For example, there may be separate limits for:

• medical expenses;
• baggage;
• cancellation;
• personal liability;
• legal expenses;
• emergency transport;
• and individual items.

A claim cannot exceed applicable policy limits unless the policy provides otherwise.

43. Sub-Limits

A policy may contain lower limits for particular items or circumstances.

Examples may include:

• valuables;
• electronics;
• cash;
• jewellery;
• sporting equipment;
• or individual baggage items.

44. General Exclusions

Insurance policies commonly contain exclusions.

Depending on the product, these may include:

• known circumstances;
• intentional acts;
• unlawful conduct;
• certain pre-existing conditions;
• undeclared activities;
• certain hazardous sports;
• war;
• nuclear events;
• or other specified risks.

The policy wording is authoritative.

45. Claims Procedure

Customers should follow the insurer’s claims procedure.

A claim may require:

• policy number;
• booking confirmation;
• receipts;
• medical reports;
• police report;
• airline documentation;
• baggage report;
• cancellation confirmation;
• proof of payment;
• or other evidence.

46. Emergency Claims

For emergency medical situations, customers should use the emergency assistance number supplied with the policy.

They should not delay necessary emergency treatment while attempting to contact Travellin.

47. Claims Against Travel Suppliers

Insurance does not necessarily replace a customer’s rights against:

• airline;
• hotel;
• activity provider;
• car-rental company;
• cruise operator;
• or another supplier.

Where a supplier is legally responsible for a loss, the customer may need to pursue that supplier separately.

48. Double Recovery

A customer should not assume that the same loss can be recovered twice.

Where a supplier, airline or another party reimburses an amount, the insurer may take that reimbursement into account under the policy.

49. Subrogation

Where applicable, an insurer may acquire rights to recover amounts from responsible third parties after paying a claim.

The customer’s obligations regarding cooperation are governed by the policy.

50. Insurance Cancellation

Insurance policies may have their own cancellation rights and cooling-off provisions, subject to:

• product type;
• jurisdiction;
• policy duration;
• statutory exemptions;
• and applicable insurance law.

The insurer’s policy documentation should be consulted.

51. Insurance Premium

The insurance premium is separate from the price of:

• flight;
• accommodation;
• activity;
• transfer;
• car rental;
• cruise;
• or other travel service

unless the booking expressly states otherwise.

52. Insurance Price

The price may depend upon:

• destination;
• travel dates;
• age;
• number of travellers;
• cover level;
• activities;
• medical screening;
• policy options;
• and other underwriting factors.

53. Insurance Intermediary Disclosure

Where Travellin or another party acts as an insurance intermediary or distributor, the legally required intermediary information must be provided before or at the appropriate stage of distribution.

This may include information concerning:

• identity;
• registered office;
• capacity;
• authorisation;
• remuneration;
• conflicts of interest;
• complaints;
• and the insurer.

The exact disclosure depends on the legal structure of the insurance distribution.

54. Affiliate Insurance Referral

Where Travellin only refers customers to an insurance provider or intermediary:

• Travellin may receive a referral or affiliate commission;
• the insurance provider controls the insurance contract;
• the insurer’s policy governs coverage;
• and Travellin does not determine claim outcomes.

Any material remuneration disclosure required by applicable law should be provided appropriately.

55. No Guarantee of Coverage

Travellin cannot guarantee that an insurer will:

• accept a claim;
• pay a claim;
• approve medical treatment;
• reimburse a cancellation;
• or interpret an exclusion in a particular way.

Those decisions are made according to the insurance contract and applicable law by the relevant insurer or claims administrator.

56. Travellin Does Not Provide Insurance Advice Unless Authorised

Travellin should not be understood as providing regulated personal insurance advice merely by displaying general information.

Customers requiring advice concerning suitability of insurance should use an appropriately authorised insurance intermediary or adviser where applicable.

57. Customers Must Assess Their Needs

Before purchasing insurance, customers should consider:

• destination;
• duration;
• medical circumstances;
• activities;
• value of prepaid travel;
• baggage;
• transportation;
• age;
• existing insurance;
• and the financial risks they wish to protect against.

58. Existing Insurance

Customers may already have insurance through:

• bank accounts;
• credit cards;
• employer benefits;
• health insurance;
• home insurance;
• vehicle insurance;
• or another travel policy.

Customers should check whether existing coverage applies before purchasing duplicate insurance.

59. European Health Insurance Card

Where travelling within countries covered by the relevant European healthcare arrangements, eligible travellers may be able to use the European Health Insurance Card (EHIC) or applicable equivalent.

EHIC coverage is not a substitute for comprehensive travel insurance.

It does not generally cover matters such as:

• private healthcare;
• repatriation;
• lost or stolen property;
• or many other travel-related risks.

60. UK Travellers

UK residents should verify the healthcare arrangements applicable to their destination and obtain appropriate travel insurance.

An applicable Global Health Insurance Card (GHIC) or other healthcare entitlement does not replace travel insurance.

61. Claims Contact

The correct claims contact is the insurer or claims administrator identified in the policy documentation.

Customers should not assume that bookings@travellin.info is the insurance claims department.

Where Travellin is involved in the insurance transaction, it may assist with routing a customer to the correct provider.

62. Emergency Contact

The emergency assistance telephone number should always be taken from the customer’s current insurance certificate or policy documents.

Travellin does not publish a universal emergency insurance number because different insurance products may have different insurers and assistance providers.

63. Complaints About Insurance

Insurance complaints should normally be directed first to:

• the insurer;
• claims administrator;
• or authorised insurance intermediary

identified in the policy documentation.

Where applicable, customers may subsequently have access to:

• an internal complaints procedure;
• an insurance ombudsman;
• alternative dispute resolution;
• or the relevant regulatory authority.

The applicable jurisdiction determines the appropriate escalation route.

64. Complaints About Travellin

Complaints concerning Travellin’s own Platform or intermediary conduct may be submitted to:

info@travellin.info

Booking-related matters:

bookings@travellin.info

Privacy matters:

privacy@travellin.info

65. Insurance and Refunds

Travel insurance does not automatically create a right to a refund from Travellin or the travel supplier.

The customer may have:

1. a contractual refund right against the supplier;
2. a statutory right against the supplier;
3. and/or a separate insurance claim.

These are legally distinct matters.

66. Insurance and Airline Disruption

Where a flight is cancelled or delayed, passengers should first consider their statutory rights against the responsible airline.

Travel insurance may provide additional protection where the policy covers resulting losses.

Insurance does not automatically replace statutory airline passenger rights.

67. Insurance and Accommodation

Where accommodation is cancelled or becomes unusable, customers should determine:

• whether the accommodation supplier is liable;
• whether a contractual refund applies;
• whether statutory consumer rights apply;
• and whether the insurance policy covers the resulting loss.

68. Insurance and Activities

Customers participating in:

• skiing;
• diving;
• surfing;
• sailing;
• rafting;
• climbing;
• safari;
• motorsports;
• or other higher-risk activities

should verify activity-specific insurance before participation.

69. Travel Insurance and Package Travel

Where insurance is sold together with travel services, the insurance product must remain legally distinguishable from the travel services unless applicable legislation provides otherwise.

The purchase of travel insurance does not itself determine whether a travel arrangement constitutes a legally defined package.

70. Personal Data

Insurance applications may require additional personal information.

Where health information or other special-category personal data is processed, the relevant insurer/intermediary is responsible for complying with applicable data-protection requirements within its role.

Travellin’s processing is governed by the Travellin Privacy Policy.

71. Accuracy of Customer Information

Customers should ensure that:

• names;
• dates of birth;
• travel dates;
• destinations;
• medical information where requested;
• and other application information

are accurate.

Incorrect information may affect the insurance contract or claim.

72. Policy Documents

Customers should retain:

• policy certificate;
• policy number;
• IPID;
• policy wording;
• emergency telephone number;
• claims address;
• insurer information;
• and payment receipt.

These documents should remain accessible throughout the trip.

73. Before Buying Insurance — Checklist

Customers should check:

☐ Who is the insurer?
☐ Who is the insurance intermediary/distributor?
☐ What exactly is covered?
☐ What is excluded?
☐ What are the policy limits?
☐ What is the excess?
☐ Are medical conditions covered?
☐ Are activities covered?
☐ Is cancellation covered?
☐ Is curtailment covered?
☐ Is baggage covered?
☐ Are valuables covered?
☐ Is repatriation covered?
☐ Are travel advisories relevant?
☐ What is the territorial limit?
☐ What is the maximum trip duration?
☐ How are claims submitted?
☐ What is the emergency assistance number?
☐ What are the cancellation rights for the insurance itself?

74. Before Travel — Checklist

☐ Save the policy certificate
☐ Save emergency assistance details
☐ Save claims contact details
☐ Check destination coverage
☐ Check activity coverage
☐ Check medical requirements
☐ Check cancellation coverage
☐ Check baggage limits
☐ Check excess
☐ Carry necessary documentation

75. During Travel

Customers should:

• follow reasonable safety precautions;
• retain receipts;
• report theft to the police where required;
• report baggage problems to the carrier;
• obtain medical documentation where appropriate;
• contact the assistance provider when required;
• and comply with the policy’s claims requirements.

76. After an Insured Event

Customers should notify the insurer as soon as reasonably practicable.

Delays in reporting may affect a claim where the policy lawfully imposes such a requirement.

77. Final Legal Position

Travel insurance is a separate financial protection product from the underlying travel service unless expressly structured otherwise.

The existence of an insurance offer on Travellin does not mean that:

• Travellin is the insurer;
• every travel booking is insured;
• every cancellation is covered;
• every medical event is covered;
• every activity is insured;
• or every loss will be reimbursed.

Coverage exists only to the extent expressly provided by the applicable insurance contract.

78. Mandatory Rights

Nothing in this page is intended to:

• exclude mandatory consumer rights;
• restrict statutory insurance rights;
• misrepresent the insurer;
• limit legally non-excludable liability;
• or prevent a customer from exercising a legal remedy.

Where mandatory law provides greater protection, mandatory law prevails.

79. Regulatory Compliance

Where insurance products are distributed to customers in the European Union, the applicable insurance-distribution framework must be respected, including applicable requirements concerning:

• pre-contractual information;
• demands and needs;
• remuneration disclosure;
• conflicts of interest;
• conduct of business;
• product information;
• complaints;
• and distribution authorisation.

The precise requirements depend upon the role performed by Travellin and the structure of the insurance distribution arrangement.

Travellin must not present itself as an authorised insurance intermediary unless the relevant legal and regulatory requirements have actually been satisfied.

80. Contact Details

BETZONE s.r.o. — Travellin
Maletín 9
789 01 Maletín
Czech Republic

IČO: 28802471
DIČ: CZ28802471

General enquiries: info@travellin.info
Booking enquiries: bookings@travellin.info
Privacy enquiries: privacy@travellin.info
Telephone: +420 732 844 855

FINAL DISCLAIMER

This document provides general information about travel insurance and is not itself an insurance contract, policy wording, IPID, certificate of insurance, regulated personal recommendation or guarantee of cover.

The insurer’s policy documentation and applicable law determine the actual scope of coverage.

Customers should read the insurance documentation before purchasing the product and should contact the named insurer or authorised insurance intermediary where they require clarification concerning the suitability or scope of a particular insurance product.