Travel insurance for Poland

Healthcare and insurance in Poland

Poland is an interesting case on cost. The UK government says that public medical facilities are similar to those in the UK, and that private facilities are less expensive than in the UK. Lower prices don't remove the need for insurance, because a serious illness could still need a long hospital stay and a medical flight home.

In an emergency, telephone 112 and ask for an ambulance. Contact your insurer or assistance company quickly if you're referred to a medical facility.

UK nationals can use a GHIC or EHIC for medically necessary state care. It isn't an alternative to travel insurance, and it doesn't cover additional standard costs, medical repatriation or private care.

Dental and medical trips

Lower private prices have made Poland a popular choice for dental and cosmetic treatment. A standard travel policy generally won't pay for planned treatment or the complications that follow it. If you're traveling for treatment, tell your insurer, and look for specialist cover. Australia's Smartraveller and Canada's government both warn travelers about this kind of gap, and their advice applies well beyond their own citizens.

Schengen and border planning

Poland is in the Schengen Area, so visa applicants must hold at least €30,000 of medical cover. Visa-free visitors have a shared 90-day limit across the area.

Poland shares a border with Ukraine and Belarus, and you should take care if you're planning to continue east. Many governments advise against travel to those countries, and a standard policy may not apply there. Our tracker lists what's been reported about their insurance rules, and you should read your government's current advice about border areas before traveling near them.

What to check for a Poland trip

• Tatra Mountains. Hiking and skiing around Zakopane can need adventure cover, especially for mountain rescue.
• Ticks and insects. Official advice lists biting insects and ticks among health risks. Forests and lake regions are worth particular care.
• City breaks. A stag or hen weekend can raise alcohol exclusions, so it's worth a quick look at your policy.
• Budget flights. Low-cost connections mean a missed flight may not be protected. Check your delay cover, especially if your bookings are separate.
• Theft. Check single-item limits for phones and cameras.

Sources

• UK Government: Poland travel advice, entry requirements and health sections
• Smartraveller: Going overseas for a medical procedure
• Government of Canada: Travelling outside Canada for medical care