Ostatnia aktualizacja: 20 marca 2026 Zweryfikowane przez: Redakcja Kreddo.pl

Travel Insurance — Travel Policy Comparison 2026

Travel insurance covers medical costs, personal accident, loss of luggage and liability during a trip abroad. It costs from 2 PLN per day. For Europe a sum of 30,000–60,000 EUR is sufficient; for the USA a minimum of 100,000–200,000 EUR in medical costs is required.

Travelling abroad? Travel insurance protects you against medical costs, loss of luggage and other unexpected expenses. Compare offers from the best companies and choose a policy suited to your trip.

Travel Insurance Comparison — kwiecień 2026

RECOMMENDED

Kiosk Polis

Ubezpieczenia turystyczne

Ubezpieczenie turystyczne — porównaj oferty wielu towarzystw w jednym miejscu.

Check offer

Bezpieczny.pl

Ubezpieczenie Podróżne

Ubezpieczenie podróżne — koszty leczenia, NNW, bagaż, OC w podróży.

Check offer

What Sum Insured for Which Destination?

Destination	Min. MC	Recommended MC	Cost per week
Europe (EU)	20,000 EUR	60,000 EUR	15–30 PLN
Europe (non-EU)	30,000 EUR	100,000 EUR	20–40 PLN
Asia, Africa	50,000 EUR	100,000 EUR	30–60 PLN
USA, Canada, Japan	100,000 EUR	200,000 EUR	50–100 PLN

MC = Medical Costs. Figures are indicative — adjust to your health situation and planned activities.

What Should Good Travel Insurance Cover?

Medical costs (MC) — the core element of the policy. Covers hospitalisation, doctor's visits, medication, medical transport. The sum insured is the key parameter.

Personal accident (NNW) — benefit in the event of an accident (permanent injury or death). Usually 10,000–50,000 PLN.

Luggage — compensation for loss, theft or damage to luggage and personal belongings. Limits 2,000–5,000 PLN.

Third-party liability in private life — covers damage caused to third parties during travel.

Assistance — 24/7 help in Polish, arranging treatment, transport home, legal assistance.

Często zadawane pytania

Is travel insurance mandatory?

In the EU/EFTA it is not mandatory — you have the EHIC card. However, the EHIC only covers basic treatment in the public health system. For many countries outside the EU (e.g. USA, Thailand) insurance is effectively essential due to medical costs that can run into hundreds of thousands of dollars.

How much does travel insurance cost?

A basic policy costs between 2 and 5 PLN per day, depending on the destination and scope of cover. A week's trip to Europe costs approximately 20–40 PLN. Travel to the USA/Asia is more expensive — approximately 50–100 PLN per week.

What sum insured should I choose for a trip abroad?

For Europe, 30,000–60,000 EUR in medical costs is sufficient. For the USA, Canada and Japan a minimum of 100,000–200,000 EUR is needed — medical costs in these countries are extremely high. A visit to an emergency room in the USA can cost 5,000–10,000 USD.

Does travel insurance cover COVID-19?

Most policies in 2026 cover treatment of COVID-19 as an infectious disease. However, check whether the policy also covers quarantine (additional accommodation, ticket changes). Not all companies include quarantine costs.

Are extreme sports covered by insurance?

A standard policy usually does not cover extreme sports (skiing, diving, climbing). You need to add an extension — the cost is an additional 30–50% of the premium. Signal Iduna stands out for its broad sports package at the standard price.