Travel World · TU Europa · for people living in Poland

Travel insurance for expats living in Poland

For foreigners who live permanently in Poland and travel abroad on holiday or business. Medical costs abroad from EUR 40,000 to EUR 2,500,000, transport back to Poland, liability and baggage. Skiing and snowboarding are included from the VIP plan. It does not cover Poland or your country of citizenship.

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Where it works: Three zones: Europe and the Mediterranean; the world without the USA, Mexico, Canada, Japan and Australia; or the world including them. It does not cover Poland, your country of permanent residence (which includes the country of your citizenship) or Belarus.
For how long: For the dates of your trip. In long-term (annual) insurance, a single trip can last up to 45 days.
From when: Medical cover starts when you cross the Polish border, but not before the premium is paid. If you buy it when you are already abroad, cover starts on the 3rd day (General Terms § 5 sec. 11).

Is Travel World the right insurance for you?

Travel World is for you if

you live permanently in Poland, for example with a residence card, and
you travel from Poland to a country other than the country of your citizenship.

Choose something else if

you visit your home country: Travel World treats it as your country of permanent residence and does not cover it (General Terms § 1 pts 11 and 24);
you live outside Poland and are coming to Poland: you need Go Safe.

What Travel World covers

Five plans. We have marked VIP Plus as recommended: it adds higher liability cover, a benefit for a delayed flight and transport of close relatives. The price depends on the zone, your dates and the number of people, and the purchase system shows the price of every plan before you pay.

Standard Medical costs: 40,000 EUR

Medical costs and assistance

Medical, rescue and transport costs abroad: 40,000 EUR
Hospital stay: up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: not sold
COVID-19 treatment: yes
Quarantine or isolation related to COVID-19: no
Rescue costs: up to the medical sum
Transport back to Poland: up to the medical sum
Sudden worsening of chronic and mental illnesses: yes
Extension of cover in emergencies: up to 5 days
Treatment in Poland after an accident during the trip: no

Personal accident

Permanent injury: 3,000 EUR
Death caused by an accident: 3,000 EUR

Baggage and travel

Baggage: 300 EUR
Baggage delayed by more than 5 hours: no
Scheduled flight cancelled or delayed by more than 5 hours: no

Third-party liability

Liability: personal injury: no
Liability: property damage: no

Sport

Amateur sports: yes
Skiing and snowboarding on marked runs: no
Sport Package: no
Extreme sports: no
Competitive sports: no
Dangerous manual work: extra premium

Other

Cover for people under the influence of alcohol: yes

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Standard Plus Medical costs: 100,000 EUR

Medical costs and assistance

Medical, rescue and transport costs abroad: 100,000 EUR
Hospital stay: up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: not sold
COVID-19 treatment: yes
Quarantine or isolation related to COVID-19: no
Rescue costs: up to the medical sum
Transport back to Poland: up to the medical sum
Sudden worsening of chronic and mental illnesses: yes
Extension of cover in emergencies: up to 5 days
Treatment in Poland after an accident during the trip: no

Personal accident

Permanent injury: 3,000 EUR
Death caused by an accident: 3,000 EUR

Baggage and travel

Baggage: 500 EUR
Baggage delayed by more than 5 hours: no
Scheduled flight cancelled or delayed by more than 5 hours: no

Third-party liability

Liability: personal injury: 50,000 EUR
Liability: property damage: 10,000 EUR

Sport

Amateur sports: yes
Skiing and snowboarding on marked runs: no
Sport Package: no
Extreme sports: no
Competitive sports: no
Dangerous manual work: extra premium

Other

Cover for people under the influence of alcohol: yes

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VIP Medical costs: 300,000 EUR

Medical costs and assistance

Medical, rescue and transport costs abroad: 300,000 EUR
Hospital stay: up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: up to the medical sum
COVID-19 treatment: yes
Quarantine or isolation related to COVID-19: 2,000 EUR
Rescue costs: up to the medical sum
Transport back to Poland: no limit
Sudden worsening of chronic and mental illnesses: yes
Extension of cover in emergencies: up to 5 days
Treatment in Poland after an accident during the trip: PLN 10,000

Personal accident

Permanent injury: 7,000 EUR
Death caused by an accident: 7,000 EUR

Baggage and travel

Baggage: 1,000 EUR
Baggage delayed by more than 5 hours: 150 EUR
Scheduled flight cancelled or delayed by more than 5 hours: no

Third-party liability

Liability: personal injury: 75,000 EUR
Liability: property damage: 15,000 EUR

Sport

Amateur sports: yes
Skiing and snowboarding on marked runs: yes
Sport Package: yes
Extreme sports: extra premium
Competitive sports: extra premium
Dangerous manual work: extra premium

Other

Cover for people under the influence of alcohol: yes

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VIP Plus Medical costs: 700,000 EUR Recommended

Medical costs and assistance

Medical, rescue and transport costs abroad: 700,000 EUR
Hospital stay: up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: up to the medical sum
COVID-19 treatment: yes
Quarantine or isolation related to COVID-19: 2,000 EUR
Rescue costs: up to the medical sum
Transport back to Poland: no limit
Sudden worsening of chronic and mental illnesses: yes
Extension of cover in emergencies: up to 5 days
Treatment in Poland after an accident during the trip: PLN 10,000

Personal accident

Permanent injury: 15,000 EUR
Death caused by an accident: 15,000 EUR

Baggage and travel

Baggage: 1,500 EUR
Baggage delayed by more than 5 hours: 150 EUR
Scheduled flight cancelled or delayed by more than 5 hours: 200 EUR

Third-party liability

Liability: personal injury: 200,000 EUR
Liability: property damage: 40,000 EUR

Sport

Amateur sports: yes
Skiing and snowboarding on marked runs: yes
Sport Package: yes
Extreme sports: extra premium
Competitive sports: extra premium
Dangerous manual work: extra premium

Other

Cover for people under the influence of alcohol: yes

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The Best Medical costs: 2,500,000 EUR

Medical costs and assistance

Medical, rescue and transport costs abroad: 2,500,000 EUR
Hospital stay: up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: up to the medical sum
COVID-19 treatment: yes
Quarantine or isolation related to COVID-19: 2,000 EUR
Rescue costs: up to the medical sum
Transport back to Poland: no limit
Sudden worsening of chronic and mental illnesses: yes
Extension of cover in emergencies: up to 5 days
Treatment in Poland after an accident during the trip: PLN 10,000

Personal accident

Permanent injury: 25,000 EUR
Death caused by an accident: 25,000 EUR

Baggage and travel

Baggage: 2,000 EUR
Baggage delayed by more than 5 hours: 200 EUR
Scheduled flight cancelled or delayed by more than 5 hours: 200 EUR

Third-party liability

Liability: personal injury: 250,000 EUR
Liability: property damage: 50,000 EUR

Sport

Amateur sports: yes
Skiing and snowboarding on marked runs: yes
Sport Package: yes
Extreme sports: extra premium
Competitive sports: extra premium
Dangerous manual work: extra premium

Other

Cover for people under the influence of alcohol: yes

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Comparison of cover and sums insured in the Travel World plans
Cover	Standard	Standard Plus	VIP	VIP Plus recommended	The Best
Medical costs and assistance
Medical, rescue and transport costs abroad	40,000 EUR	100,000 EUR	300,000 EUR	700,000 EUR	2,500,000 EUR
Hospital stay	up to the medical sum	up to the medical sum	up to the medical sum	up to the medical sum	up to the medical sum
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia In short-term insurance, Standard and Standard Plus are not sold for the zone with these countries; in long-term insurance, outpatient treatment there is limited to EUR 2,000.	not sold	not sold	up to the medical sum	up to the medical sum	up to the medical sum
COVID-19 treatment	yes	yes	yes	yes	yes
Quarantine or isolation related to COVID-19	no	no	2,000 EUR	2,000 EUR	2,000 EUR
Rescue costs	up to the medical sum	up to the medical sum	up to the medical sum	up to the medical sum	up to the medical sum
Transport back to Poland In VIP, VIP Plus and The Best, transport costs do not reduce the sum insured for medical costs.	up to the medical sum	up to the medical sum	no limit	no limit	no limit
Sudden worsening of chronic and mental illnesses Up to the medical sum insured, with no extra premium in every plan.	yes	yes	yes	yes	yes
Extension of cover in emergencies Free extension of cover when you cannot return on time.	up to 5 days	up to 5 days	up to 5 days	up to 5 days	up to 5 days
Treatment in Poland after an accident during the trip	no	no	PLN 10,000	PLN 10,000	PLN 10,000
Personal accident
Permanent injury	3,000 EUR	3,000 EUR	7,000 EUR	15,000 EUR	25,000 EUR
Death caused by an accident The benefit is 100% of the personal accident sum insured.	3,000 EUR	3,000 EUR	7,000 EUR	15,000 EUR	25,000 EUR
Baggage and travel
Baggage	300 EUR	500 EUR	1,000 EUR	1,500 EUR	2,000 EUR
Baggage delayed by more than 5 hours	no	no	150 EUR	150 EUR	200 EUR
Scheduled flight cancelled or delayed by more than 5 hours	no	no	no	200 EUR	200 EUR
Third-party liability
Liability: personal injury	no	50,000 EUR	75,000 EUR	200,000 EUR	250,000 EUR
Liability: property damage For property damage, an excess of EUR 200 is deducted from the payout (General Terms § 33 sec. 6).	no	10,000 EUR	15,000 EUR	40,000 EUR	50,000 EUR
Sport
Amateur sports	yes	yes	yes	yes	yes
Skiing and snowboarding on marked runs No extra premium, but only in the VIP, VIP Plus and The Best plans.	no	no	yes	yes	yes
Sport Package Sports equipment up to EUR 1,000, ski pass up to EUR 300, equipment rental and closed ski runs EUR 25 per day (max. 10 days).	no	no	yes	yes	yes
Extreme sports Extension for an extra premium, not available in Standard and Standard Plus.	no	no	extra premium	extra premium	extra premium
Competitive sports Also applies to activities on the amateur list if you practise them professionally or compete in them.	no	no	extra premium	extra premium	extra premium
Dangerous manual work Extension for an extra premium.	extra premium	extra premium	extra premium	extra premium	extra premium
Other
Cover for people under the influence of alcohol Under the General Terms, it applies to medical, rescue and transport costs, travel assistance, personal accident and treatment in Poland after an accident during the trip, up to the sum insured for each of them.	yes	yes	yes	yes	yes
Choose a plan and get a quote	BuyBuy insurance Standard	BuyBuy insurance Standard Plus	BuyBuy insurance VIP	BuyBuy insurance VIP Plus	BuyBuy insurance The Best

Source: product information sheet (IPID) and General Terms of Travel World (code OWU/02/1753471/2026/M, resolution of the Management Board of TU Europa S.A. no. 07/06/26 of 17 June 2026, in force from 1 September 2026). · Data valid on 1 September 2026.

Limits to be aware of

Dental treatment: up to EUR 300.
Outpatient treatment in the USA, Mexico, Canada, Japan and Australia: up to EUR 2,000 in Standard and Standard Plus in long-term insurance.
Travel costs of a person travelling with you who must accompany you home after you are taken ill or injured: up to EUR 1,000.
Accommodation and meals of an accompanying person: up to EUR 100 per day, maximum 7 days.
Return travel of one person who comes from home to be with you if you travel alone and stay in hospital for more than 7 days: up to EUR 2,000.
Accommodation and meals abroad for convalescence: up to EUR 100 per day, maximum 7 days.
Transport to continue the trip after treatment: up to EUR 500.
Replacement driver: up to EUR 500 in VIP, VIP Plus and The Best.
Interruption of the trip: up to EUR 1,200 in VIP, VIP Plus and The Best.
Transport of minor children: up to EUR 2,500 in VIP, VIP Plus and The Best.
Transport of close relatives: up to EUR 2,500 in VIP Plus and The Best.

What the insurance does not cover

The most important exclusions. The full list is in the General Terms, which are worth reading before you buy.

Travel within Poland and within your country of permanent residence (for trips in Poland there is a separate product, Travel Polska).
Travel to Belarus: the country is excluded from every territorial zone.
Amateur winter sports in the Standard and Standard Plus plans.
Extreme sports, competitive sports and dangerous manual work without the extension for an extra premium.
Driving a motor vehicle while drunk, defined in the General Terms as more than 0.5 per mille of alcohol in the blood or more than 0.25 mg per dm³ in exhaled air.
Driving a motor vehicle without the required licence.
Events connected with alcoholism or addiction to psychoactive substances.
Events following the use of narcotic drugs or psychotropic substances.
Events connected with war, terrorism and sabotage, if you travelled to a country where such actions were already taking place.
Treatment that, in the opinion of the doctor of the Assistance Centre, can wait until you return to Poland.
Situations in which, before departure, there were medical contraindications to travel or indications for surgery or a hospital stay.
Epidemics of infectious diseases other than COVID-19, and pandemics.
Costs connected with pregnancy and childbirth after the 32nd week of pregnancy, which the General Terms define as 31 weeks and 6 days.

Frequently asked questions

I am a foreigner living in Poland. Can I buy Travel World?

Yes, if you live permanently in Poland and travel from Poland to other countries. The policyholder must have a permanent place of residence in Poland (a person living abroad can conclude a travel contract for up to 4 months; General Terms § 1 pt 37).

Does Travel World cover me when I visit my home country?

No. If you live permanently in Poland but have another citizenship, the General Terms also treat the country of your citizenship as your country of permanent residence (§ 1 pt 11). Travel World does not cover Poland or your country of permanent residence, so it does not cover a visit to your home country.

I am already abroad. Can I still buy it?

Yes, but if you buy the insurance when you are already outside Poland, the cover starts on the 3rd day after the contract is concluded and the premium is paid (General Terms § 5 sec. 11).

Is skiing covered?

Only in the VIP, VIP Plus and The Best plans, with no extra premium. Standard and Standard Plus do not cover amateur winter sports.

Is there an English version of the purchase form?

No. The purchase system is in Polish only. Write to us in English before you buy and we will help you fill it in.

Documents to download

The product information sheet (IPID) is available in Polish only. The General Terms are available in Polish and in an English translation; the contract is concluded in Polish.

Get a quote for your trip

The purchase form is in Polish. If you need help, write to info@tripcover.pl in English before you pay.

Buy insurance

You will be taken to the sales system of the insurance agent Sindbad IT sp. z o.o., entry number in the register of insurance agents (RAU) 11239999/A. Information on this page is not an offer within the meaning of Article 66 of the Polish Civil Code.