Holidays in Czechia
On holiday in the Czech Republic, necessary treatment is paid for by your health insurance company, so what you mainly need to protect is the money you’ve paid in advance. You can insure a guesthouse, cottage, hotel, wellness stay, plus activities and tickets, all together in one policy. If you can’t go because of illness, injury or a serious event in the family, we reimburse the cancellation fee after deducting the 10% excess. The insurance costs 9% of the price.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 2,160If you cancel, back up to
CZK 21,600We reimburse cancellation fees after deducting the 10% excess, or in full if the insured person is hospitalised or dies. The premium is 9% of the price, min. CZK 26.
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What you can insure
Christmas in a guesthouse in the Šumava for a family, for CZK 24,000, cancelled a week before arrival
At this stage, the guesthouse charges 80% of the price. Illustrative calculation.
Typical situations
You paid for a cottage for New Year’s Eve in September. A week before you leave, you get pneumonia and won’t be going to the mountains.
A guesthouse in the Šumava for four, and three days before departure your younger daughter has tonsillitis. A child’s illness is a covered reason for the parents and siblings too, if they’re insured.
The day before you leave, your flat is burgled and the police need you to stay. That’s a covered reason too.
Your employer dismisses you and you cancel your holiday. It’s covered if the dismissal comes no more than 30 days before departure and you’re entitled to unemployment benefit.
What the insurance covers
You fall ill or get injured so that you can’t go.
Family, a business partner, or the person you’re travelling with or staying with.
You have to look after someone close who isn’t travelling with you.
A pregnancy confirmed after the insurance was taken out, where the doctor advises against travelling.
Your dog or cat dies.
A witness summons, adoption or divorce proceedings during the trip.
You’re dismissed when you didn’t expect it.
A resit exam during the trip or shortly after it.
The car you were going to travel in can’t be driven after an accident.
Your documents are stolen in the last week before departure.
You or a family member become the victim of a crime.
A burglary, robbery or major natural damage where you live.
A public health officer orders you into quarantine just before departure.
A fire, flood or windstorm where you’re going.
Keep in mind
Lack of snow, rain or worries about the journey aren’t covered by the insurance. Sort out cancellations due to the weather with the accommodation provider.
A cash payment to people you know is hard to prove. The insurance is always taken out for that specific booking, so ask for a booking confirmation and proof of payment.
If the guesthouse or organiser cancels the stay, they have to refund you. Cancellation insurance doesn’t deal with that.
Cancellation fees rise as your arrival date approaches. The insurer may reduce the payout if the fee would have been lower had you cancelled in time.
Stories
Markéta and Jakub · A spa weekend for two, non-refundable booking
Jakub got a weekend at a spa hotel as an anniversary present. A week before, Markéta slipped on the stairs and broke her arm. They were both insured, and the hotel didn’t refund anything.
Vojta, 12, and his parents · A school ski course in the Alps
Vojta had been looking forward to the ski trip all winter. Five days before departure, he fell on the stairs during break and ended up in a cast. The school refunded only 30% of the price; the rest had already been paid to the coach company and the accommodation.
The example scenarios are illustrative — we made up the names, stories and amounts to show how the insurance works. The actual payout is always decided by the insurer based on the policy terms and the documents provided.
Questions
Necessary treatment in the Czech Republic is paid for by your health insurance company, so you don’t usually need medical expenses cover as you would abroad. But it’s worth protecting the money you’ve paid in advance. You can take out cancellation insurance on its own, without travel insurance.
Yes. Add up everything you’ve paid for the holiday in advance that wouldn’t be refunded if you cancelled — accommodation, ski passes, ski school, tickets — and insure the total, up to CZK 500,000 online. The premium is 9% of the price, at least CZK 26 per policy.
What the insurance costs →Insure the total price of the stay, even if you’ve only paid a deposit so far. Under its terms, the accommodation provider may charge more than the deposit for a late cancellation, and the insurance then covers the full amount. If you can cancel free of charge, you don’t need the insurance.
Accommodation cancellation insurance (Booking.com, Airbnb) →Yes, if you pay for it yourself — a self-paid stay, a wellness weekend or accommodation with contributory spa care. Comprehensive spa care is paid for by the health insurance company.
Spa cancellation insurance →No. The weather, lack of snow or worries about the journey aren’t covered. It covers serious reasons on your side: illness, injury or death in the family, dismissal by your employer, a burglary at home and other reasons in the policy terms.
What the insurance covers →You can insure everyone who’s going — up to 10 people in one order. A cancellation by any of the insured people is covered; for a jointly paid stay, their proportionate share. If only one person can’t go, their share is reimbursed.
How to report a claim →We reimburse the cancellation fees — the deposit paid in advance or the price the seller didn’t refund under its terms — after deducting the 10% excess. If you get nothing back for a CZK 2,000 ticket, you’ll receive CZK 1,800. If you cancel because the insured person is hospitalised or dies, no excess applies. Cancellation fees don’t include the premium, airport taxes or fees that can be recovered.
If there are more than 30 days until the trip starts, you can take out the insurance at any time. If you buy the trip 30 days or less before it starts, the insurance must be taken out at the same time as you pay for the trip. In all cases, it only covers events that occur after it is taken out.
Rules and examples with dates →Among other things: a change of plans (you don’t want to go, you’re afraid, you don’t get time off work), health problems that existed before the insurance was taken out (except a stabilised chronic illness), events under the influence of alcohol or drugs, injuries during races and competitions, or a trip being cancelled by the carrier or organiser — in that case they refund you.
All exclusions →Tell us what you’re insuring, how much it cost and when it starts. We’ll email you a quote quickly.