Spa and wellness
What makes sense to insure is what you pay the spa yourself: a self-paid or wellness stay and, with contributory spa care, your accommodation and meals. Comprehensive spa care is paid for by the health insurance company. If you can’t start your stay 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 of the stay, at least CZK 26.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 2,520If you cancel, back up to
CZK 25,200We 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
A week-long relaxation stay for two for CZK 28,000, cancelled 10 days before it starts
At this stage, the spa charges 50% of the price. Illustrative calculation.
Typical situations
You’ve paid for your stay, but a week before it starts you get flu and your doctor advises against travelling. Under its terms, the spa keeps part of the price.
A broken arm or a sprained ankle: no pool, massages or exercise. You have to cancel the stay.
A parent you look after suddenly falls seriously ill and you can’t go. The insurance also covers illness and injury of family members.
You gave your parents a week at a spa, and just before it starts one of them falls ill. If they’re both insured, cancellation is covered for both of them.
| When you cancel | Cancellation fee |
|---|---|
| 28 or more days before the start | no fee |
| 27–15 days before the start | 25% of the price |
| 14–7 days before the start | 50% of the price |
| less than 7 days before the start | 100% of the price |
Based on the Lázně Bechyně terms and conditions of 1 March 2026; the fee is per person, from the total price of the services. Other spas have their own terms — you’ll find them in your booking confirmation.
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
With comprehensive spa care, the health insurance company pays for treatment, accommodation and meals at the standard level. It only makes sense to insure what you’ve paid the spa in advance yourself.
Cancellation because of a medical condition that already existed before the insurance was taken out isn’t covered. A stabilised chronic illness is an exception — details in the questions below.
Spa cancellation fees rise as the start of your stay approaches. The insurer may reduce the payout if the fee would have been lower had you cancelled in time.
You can’t insure a gift voucher without booked dates. The insurance is always taken out for that specific booking — here, a stay with a start date.
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.
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
With comprehensive spa care, the health insurance company pays for treatment, accommodation and meals at the standard level, so you don’t need to insure the stay itself. You can insure whatever extra you’ve paid the spa in advance that wouldn’t be refunded if you cancelled — such as a non-refundable fee for booking your own dates.
With contributory care, the health insurance company only pays for treatment, and you pay for accommodation and meals yourself. That’s exactly the amount you can insure. If you can’t start your stay because of illness or injury, we reimburse the cancellation fee the spa charges you under its terms after deducting the 10% excess. If a companion who pays for their own stay is going with you, enter them as another insured person.
How to report a claim →Cancellation because of a medical condition that already existed before the insurance was taken out isn’t covered. The exception is a stabilised chronic illness: under the policy terms, an illness where nothing in the 6 months before departure suggested that you wouldn’t be able to go or that you’d need a doctor, a change of medication or hospitalisation. A new illness or injury unrelated to your diagnosis is covered, though — such as flu or a fracture.
What the insurance doesn’t cover →The policyholder and the insured persons don’t have to be the same people. You take out and pay for the insurance, and enter your parents as the insured persons. It then covers cancellation if either of them falls ill or gets injured — and if they’re both insured, the other one’s cancellation too. The premium is 9% of the price of the stay, at least CZK 26 per policy.
What the insurance costs →Only once you’ve booked specific dates with it. The insurance is always taken out for that specific booking and covers situations before the planned start. If there are more than 30 days until the start, you can take it out at any time.
Accommodation and wellness cancellation insurance →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 →We verified the third parties’ terms on 26/10/2026. The links lead to their websites.
Tell us what you’re insuring, how much it cost and when it starts. We’ll email you a quote quickly.