Camps and ski trips
Camps are paid for months in advance, and children always fall ill at the worst possible moment. If your child can’t go because of illness or injury, cancellation insurance reimburses the cancellation fee after deducting the 10% excess, or in full if they’re hospitalised. It costs 9% of the camp price and you buy it online.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 666If you cancel, back up to
CZK 6,660We 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 two-week summer camp for CZK 7,400, cancelled a week before the start
The organiser only refunds 20% of the price. Illustrative calculation.
Typical situations
Children’s illnesses come out of nowhere, and the doctor won’t let your child go to camp. The organiser often keeps most of the price.
A broken arm a week before the ski trip means your child won’t be going — and the course fee is lost.
A serious illness or injury in the family that means your child can’t go — the insurance covers that too.
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
The policyholder is always an adult parent or legal guardian, and you enter the child as the insured person.
Health problems that existed before the insurance was taken out aren’t covered — a stabilised chronic illness is an exception. That’s why it’s worth taking out the insurance as soon as you pay for the camp.
If the organiser finds a replacement for your child and refunds you, this reduces the loss — the insurance only covers what you actually lose.
Stories
Klára, 9, and her parents · A two-week summer camp
Klára’s parents paid for her summer camp back in the spring. A week before departure, she came down with chickenpox and the doctor wouldn’t let her go. Under its cancellation terms, the organiser refunded only 20% of the price.
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
Yes. You can insure up to 10 people in one order, such as siblings at the same camp. The premium is calculated from the total price.
The insurance policy number, the application form or proof of payment for the camp, the organiser’s confirmation of the cancellation stating the cancellation fee, and a medical report with the diagnosis and length of treatment.
If there are more than 30 days until the camp starts, you can take out the insurance at any time. But it only covers events that occur after it’s taken out — so take it out while your child is healthy.
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.
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.
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