Outdoor school trips
Parents pay the school for an outdoor school trip (škola v přírodě) in advance, often several months before departure. If your child falls ill, the school may only refund part of it, because it has already paid for accommodation and transport. You take out cancellation insurance as a parent for your child, and it reimburses the amount the school doesn’t refund after deducting the 10% excess. It costs 9% of the price of the stay.
Work out your price
CZK 300CZK 500,000
One-off premium
CZK 432If you cancel, back up to
CZK 4,320We 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 five-day outdoor school trip for CZK 4,800; your child falls ill three days before departure
The school only refunds the money for meals — it has already paid the rest for accommodation and the coach. Illustrative calculation.
Typical situations
The class leaves on Monday and your child has a rash on Friday. The doctor won’t let them go, and the school only refunds what it hasn’t paid out yet.
A broken arm a week before departure. That rules out trips and games, and your child stays at home.
Your child falls ill during the stay and you have to collect them. For the unused days the school doesn’t refund, we reimburse a proportionate share.
Someone in your close family falls seriously ill or dies, and your child stays at home with you. 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
Ask before you pay how much the school refunds if your child falls ill. The insurance only covers what you actually lose.
The insurance is taken out by an adult parent or legal guardian, and the child is the insured person. It’s always taken out for the specific outdoor school trip you’ve paid for.
The insurance only covers illnesses and injuries that occur after it’s taken out. If there are 30 days or less until departure, you can only take it out at the same time as paying.
If the school passes the place on to another child and refunds you, this reduces the loss. The insurance only covers the amount you don’t get back.
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
The parent. The policyholder is an adult parent or legal guardian, and you enter the child as the insured person. You insure the amount you pay the school for the outdoor school trip, and if your child falls ill, we reimburse what the school doesn’t refund after deducting the 10% excess.
What the insurance costs →It depends on the contract the school has with the accommodation provider or tour operator, and on what it has already paid. Part of the money, such as for meals, can be refunded; for accommodation and transport, the supplier’s terms may not allow it. Ask the school for written confirmation of how much it’s refunding — without it, the loss can’t be calculated.
How cancellation fees work →If the stay ends early because of illness or injury and the unused days can’t be refunded any other way, we reimburse a proportionate share of them. You provide a medical report and the school’s confirmation of how much it refunded. Cancellation insurance doesn’t pay for the journey to collect your child.
How to report a claim →You can offer parents cancellation insurance right when they sign up. You’ll find out how the partnership works on the page for partners.
For partners →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.