The Best Travel Insurance Plans for Czechia in 2025

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A. Fruchard
A. Fruchard
updated on July 15, 2025
Table of Contents
  • The best travel insurance plans for Czechia
  • Current travel safety in Czechia
  • Travel insurance requirements for entering Czechia
  • Why take out travel insurance for Czechia?
  • What should travel insurance for Czechia cover?
  • The cost of travel insurance for Czechia
  • How to pay less for your travel insurance to Czechia
  • Can I rely on my current insurance to cover me in Czechia?
  • FAQ
  • On the same topic
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Travel insurance for Czechia: key takeaways

1. Definition: Travel insurance for Czechia covers medical emergencies, trip cancellation, and other unforeseen travel-related events.
2. Legal obligation: Travel insurance is mandatory for US citizens and must cover medical expenses and emergency repatriation throughout your entire stay.
3. Healthcare cost: Healthcare is high-quality but can be costly; a hospital night may exceed $500 for tourists.
4. Price: A one-week travel insurance plan for Czechia typically costs between $30 and $60.
5. Good to know: Ensure your policy covers the entire Schengen Area if visiting neighboring countries.

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Why trust HelloSafe?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share everything you need to know here to choose the best travel insurance for Czechia.

The best travel insurance plans for Czechia

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MOur recommendation for comprehensive protection in Czechia.
- high medical cap
- repatriation included
- modern, extensive guarantees
Cap Assistance 24/24$1.1MReliable for stays in Czechia, suitable for both city and rural travel.
- 24/7 helpline
- no deductible
- trip cancellation option
Tourist Card$0.55MSolid choice for tourism and short visits.
- decent medical cover
- good emergency support
- simple terms
Travel Pass Monde$0.77MBalanced for most travelers to Czechia.
- hospital costs included
- wide acceptance
- civil liability covered
Globe Partner$0.33MGood for extended trips and exchanges.
- core guarantees abroad
- repatriation
- basic medical support
Globe Traveller$0.55MAffordable for low-risk, short stays.
- essential coverage
- easy claims process
- quick reimbursement
Comparison of recommended insurance contracts for travel to Czechia.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Our recommendation for comprehensive protection in Czechia.
- high medical cap
- repatriation included
- modern, extensive guarantees
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
Reliable for stays in Czechia, suitable for both city and rural travel.
- 24/7 helpline
- no deductible
- trip cancellation option
Tourist Card
Medical reimbursement limit
$0.55M
Our view
Solid choice for tourism and short visits.
- decent medical cover
- good emergency support
- simple terms
Travel Pass Monde
Medical reimbursement limit
$0.77M
Our view
Balanced for most travelers to Czechia.
- hospital costs included
- wide acceptance
- civil liability covered
Globe Partner
Medical reimbursement limit
$0.33M
Our view
Good for extended trips and exchanges.
- core guarantees abroad
- repatriation
- basic medical support
Globe Traveller
Medical reimbursement limit
$0.55M
Our view
Affordable for low-risk, short stays.
- essential coverage
- easy claims process
- quick reimbursement
Comparison of recommended insurance contracts for travel to Czechia.
👉 Compare the best travel insurance for freeI compare

Current travel safety in Czechia

As of June 2025, the US Department of State advises travelers that Czechia remains a safe country, with a Level 1 advisory recommending normal precautions across its territory.

Here are their four main recommendations.

  • Security risks: petty crime, particularly pickpocketing, is reported in Prague’s historic districts and on public transport. For example, travelers have had wallets stolen near Charles Bridge and Wenceslas Square.
  • Health risks: while no vaccines are required for entry, tick-borne illnesses such as encephalitis and Lyme disease can occur when hiking or camping in forests between March and October. Western-standard healthcare is available in Prague, but rural access may be slower.
  • Legal requirements: Czech law requires you to carry your passport at all times and present it to police on request. There is also a zero tolerance policy on drinking and driving, with roadside checks frequent in cities and on highways.
  • Cultural and practical points: air pollution can reach high levels in winter, especially in urban areas like Ostrava, affecting those with respiratory conditions. An International Driving Permit is needed, and local taxis may operate with variable pricing, so pre-arrange fares when possible.

Travel insurance is mandatory to enter Czechia. It must cover at minimum medical care and repatriation costs, as these expenses can be significant in case of illness or accident during your stay.

Travel insurance requirements for entering Czechia

Travel insurance is mandatory for travelers from the United States to enter Czechia.

A valid travel insurance policy is required for all visitors, regardless of visa status, as part of the Schengen Agreement. The insurance must specifically cover medical expenses and emergency repatriation throughout your entire stay in Czechia. While there is no prescribed minimum coverage amount publicly specified, it is strongly recommended to choose a plan offering at least 30,000 euros (about $32,000) in medical coverage and valid across all Schengen countries. The certificate must be dated, signed, and compliant with entry requirements, and may need to be presented to border officials.

Why take out travel insurance for Czechia?

Travel insurance is a legal requirement for visiting Czechia.

It is an essential financial and medical protection for anyone going to Czechia.

In Czechia, while public hospitals such as Motol University Hospital in Prague are modern, foreigners may be directed to private clinics like Canadian Medical or Prague Medical Center, where costs are considerably higher. In smaller cities, access to quality healthcare can be limited and private facilities often charge premium prices for consultations, emergency treatment, or hospitalization.

Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in the event of a serious incident.

Here are some examples of healthcare costs in Czechia.

Example of medical treatmentCost at Canadian Medical ClinicCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection35 000 CZK (about $1,500)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)18 000 CZK (about $770)up to 100%
I need to be repatriated400 000 CZK (about $17,000)up to 100%
I have appendicitis (consultation and surgery)75 000 CZK (about $3,200)up to 100%
Examples of medical treatment costs and travel insurance coverage.
I have to be hospitalized 48 hours after contracting an infection
Cost at Canadian Medical Clinic
35 000 CZK (about $1,500)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at Canadian Medical Clinic
18 000 CZK (about $770)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at Canadian Medical Clinic
400 000 CZK (about $17,000)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at Canadian Medical Clinic
75 000 CZK (about $3,200)
Covered by travel insurance
up to 100%
Examples of medical treatment costs and travel insurance coverage.

These prices are given as an indication and may vary depending on the facilities and regions.

It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.

What should travel insurance for Czechia cover?

Here is a summary table of the main coverages you should look for in a travel insurance policy for Czechia.

Main coveragesExplanations and recommendationsLegally required
🏥 Medical expensesCovers hospital, doctor, and pharmacy fees for illness or injury in Czechia.
We recommend a minimum limit of $100,000 per person.
⚠️ Mandatory
🚑 Emergency repatriationPays for emergency medical transport back to the US if needed.
Recommended limit: $100,000.
⚠️ Mandatory
🛏️ HospitalizationCovers inpatient treatment and surgeries in public or private clinics.
Minimum recommended limit: $100,000.
⚠️ Mandatory
💊 Prescription drugsReimburses the costs of medicine prescribed during travel.
Suggested minimum limit: $5,000.
🟠 Recommended
🛫 Trip cancellationReimburses non-refundable expenses for trip cancellation due to illness, accident, or other covered events.
Recommended limit: $3,000–$5,000.
🟡 Optional
🧳 Luggage and belongingsCovers theft, loss, or delay of baggage and personal effects.
Recommended minimum cover: $1,500.
🟡 Optional
🚗 Personal liabilityProtects you if you cause accidental injury or property damage to others.
Recommended minimum cover: $50,000.
🟠 Recommended
📞 24/7 assistanceProvides multilingual emergency support any time.
No limit, but 24/7 phone line is vital.
⚠️ Mandatory
Travel Insurance Coverage Recommendations for Czechia
🏥 Medical expenses
Explanations and recommendations
Covers hospital, doctor, and pharmacy fees for illness or injury in Czechia.
We recommend a minimum limit of $100,000 per person.
Legally required
⚠️ Mandatory
🚑 Emergency repatriation
Explanations and recommendations
Pays for emergency medical transport back to the US if needed.
Recommended limit: $100,000.
Legally required
⚠️ Mandatory
🛏️ Hospitalization
Explanations and recommendations
Covers inpatient treatment and surgeries in public or private clinics.
Minimum recommended limit: $100,000.
Legally required
⚠️ Mandatory
💊 Prescription drugs
Explanations and recommendations
Reimburses the costs of medicine prescribed during travel.
Suggested minimum limit: $5,000.
Legally required
🟠 Recommended
🛫 Trip cancellation
Explanations and recommendations
Reimburses non-refundable expenses for trip cancellation due to illness, accident, or other covered events.
Recommended limit: $3,000–$5,000.
Legally required
🟡 Optional
🧳 Luggage and belongings
Explanations and recommendations
Covers theft, loss, or delay of baggage and personal effects.
Recommended minimum cover: $1,500.
Legally required
🟡 Optional
🚗 Personal liability
Explanations and recommendations
Protects you if you cause accidental injury or property damage to others.
Recommended minimum cover: $50,000.
Legally required
🟠 Recommended
📞 24/7 assistance
Explanations and recommendations
Provides multilingual emergency support any time.
No limit, but 24/7 phone line is vital.
Legally required
⚠️ Mandatory
Travel Insurance Coverage Recommendations for Czechia
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Important information

Travel insurance with medical expenses, hospitalization, and repatriation is a legal requirement for visiting Czechia. The certificate must be valid for your entire stay, cover at least $50,000, and be provided in English or Czech if possible. This is required for short-term Schengen stays of up to 90 days.

Travel insurance from Czech banks or credit cards often has low limits and many exclusions. For greater peace of mind, choose a global insurer offering full medical and travel coverage. Compare offers on HelloSafe and buy your policy online for instant certification.

The cost of travel insurance for Czechia

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$16
2 weeks45 years old$32
1 month35 years old$54
1 month70 years old$110
1 week
Traveler’s age
25 years old
Indicative price per person
$16
2 weeks
Traveler’s age
45 years old
Indicative price per person
$32
1 month
Traveler’s age
35 years old
Indicative price per person
$54
1 month
Traveler’s age
70 years old
Indicative price per person
$110

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of your travel insurance policy is shaped by several key details: your age, the duration of your trip, your destination, the coverage amount, and any optional riders like trip cancellation. Keeping these elements in mind is essential to select the right plan for your needs and avoid any surprises on your journey.

💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.

👉 Compare the best travel insurance for freeI compare

How to pay less for your travel insurance to Czechia

Here are some suggestions to optimize the cost of your travel insurance to Czechia while keeping good coverage:

CriteriaWhy it mattersExpert tip
🩺 Level of medical coverageMedical costs are high for non-residents in Czechia, especially for emergencies or hospital stays.Only choose coverage levels that match your personal health needs and travel plans. Compare low and mid-tier options carefully.
🕰️ Trip durationInsurance price is proportional to the number of covered days. Shorter trips cost much less for the same coverage.Buy insurance only for the exact number of travel days in Czechia. Avoid adding extra days to keep premiums lower.
🎒 Type of activitiesOutdoor activities like hiking or cycling may require extended coverage for accidents and rescue.Exclude coverage for adventurous sports or risky activities if you don't plan to participate in them. Stay with basic coverage.
👨‍👩‍👧‍👦 Number of insured travelersFamily or group policies can be less expensive per person than buying individually, depending on the insurer.Check bundled or group policy options for better rates. Compare costs with separate plans for each traveler in your group.
🗺️ Geographical scopeSome plans automatically include all of Europe or worldwide, which can raise the price for a Czechia-only trip.Select policies that cover only Czechia or the Schengen Area. Avoid unnecessary international coverage when your itinerary is local.
🎂 Traveller's ageInsurers often raise prices for travelers over 60, sometimes significantly increasing costs.Compare age brackets before buying. The insurer Heymondo does not increase its prices for people over 62, which can help save on fees.
🏥 DeductibleThe deductible is what you pay before insurance covers costs. Higher deductibles result in lower premiums.Opt for a higher deductible to lower your premium, if you can afford possible higher out-of-pocket costs for small claims.
Criteria for choosing travel insurance for Czechia.
🩺 Level of medical coverage
Why it matters
Medical costs are high for non-residents in Czechia, especially for emergencies or hospital stays.
Expert tip
Only choose coverage levels that match your personal health needs and travel plans. Compare low and mid-tier options carefully.
🕰️ Trip duration
Why it matters
Insurance price is proportional to the number of covered days. Shorter trips cost much less for the same coverage.
Expert tip
Buy insurance only for the exact number of travel days in Czechia. Avoid adding extra days to keep premiums lower.
🎒 Type of activities
Why it matters
Outdoor activities like hiking or cycling may require extended coverage for accidents and rescue.
Expert tip
Exclude coverage for adventurous sports or risky activities if you don't plan to participate in them. Stay with basic coverage.
👨‍👩‍👧‍👦 Number of insured travelers
Why it matters
Family or group policies can be less expensive per person than buying individually, depending on the insurer.
Expert tip
Check bundled or group policy options for better rates. Compare costs with separate plans for each traveler in your group.
🗺️ Geographical scope
Why it matters
Some plans automatically include all of Europe or worldwide, which can raise the price for a Czechia-only trip.
Expert tip
Select policies that cover only Czechia or the Schengen Area. Avoid unnecessary international coverage when your itinerary is local.
🎂 Traveller's age
Why it matters
Insurers often raise prices for travelers over 60, sometimes significantly increasing costs.
Expert tip
Compare age brackets before buying. The insurer Heymondo does not increase its prices for people over 62, which can help save on fees.
🏥 Deductible
Why it matters
The deductible is what you pay before insurance covers costs. Higher deductibles result in lower premiums.
Expert tip
Opt for a higher deductible to lower your premium, if you can afford possible higher out-of-pocket costs for small claims.
Criteria for choosing travel insurance for Czechia.

Can I rely on my current insurance to cover me in Czechia?

It is completely reasonable to wonder whether your existing coverage, such as private or public health insurance or a credit card benefit, will be enough when traveling to Czechia. In fact, these protections are usually limited or insufficient. For travelers from the US, Czech authorities require valid travel medical insurance, as only this type of policy reliably meets entry requirements.

Here is a summary table to help you review your current insurance and what it covers.

Type of InsuranceValid in Czechia?What it coversWhy Travel Insurance is better
Public health insurance (Medicare, Medicaid)No, neverNo coverage for medical care or emergencies outside the US.Travel insurance covers $100,000+ in medical and evacuation expenses.
Private health insurance (Aetna, UnitedHealthcare, Cigna)Yes, partlyEmergency care abroad, usually up to $50,000. Rarely covers repatriation or trip issues.Travel insurance covers $100,000+ for hospital, rescue, repatriation, and 24/7 assistance.
Classic credit card (Visa Classic, Mastercard Standard, Amex Blue)Yes, partlyMay cover emergency medical expenses up to $2,500–$10,000. Excludes pre-existing, repatriation, trip issues.Travel insurance covers $100,000+ and includes hospital stays, repatriation, baggage loss, and trip cancellation.
Premium credit card (Chase Sapphire Preferred, Amex Platinum, Visa Signature)Yes, partlyMedical emergencies up to $50,000–$100,000, some trip/baggage delay coverage. No repatriation.Travel insurance provides up to $500,000 medical, trip cancellation $5,000+, and 24/7 worldwide support.
A comparison of different types of insurance and their validity and coverage for travel in Czechia.
Public health insurance (Medicare, Medicaid)
Valid in Czechia?
No, never
What it covers
No coverage for medical care or emergencies outside the US.
Why Travel Insurance is better
Travel insurance covers $100,000+ in medical and evacuation expenses.
Private health insurance (Aetna, UnitedHealthcare, Cigna)
Valid in Czechia?
Yes, partly
What it covers
Emergency care abroad, usually up to $50,000. Rarely covers repatriation or trip issues.
Why Travel Insurance is better
Travel insurance covers $100,000+ for hospital, rescue, repatriation, and 24/7 assistance.
Classic credit card (Visa Classic, Mastercard Standard, Amex Blue)
Valid in Czechia?
Yes, partly
What it covers
May cover emergency medical expenses up to $2,500–$10,000. Excludes pre-existing, repatriation, trip issues.
Why Travel Insurance is better
Travel insurance covers $100,000+ and includes hospital stays, repatriation, baggage loss, and trip cancellation.
Premium credit card (Chase Sapphire Preferred, Amex Platinum, Visa Signature)
Valid in Czechia?
Yes, partly
What it covers
Medical emergencies up to $50,000–$100,000, some trip/baggage delay coverage. No repatriation.
Why Travel Insurance is better
Travel insurance provides up to $500,000 medical, trip cancellation $5,000+, and 24/7 worldwide support.
A comparison of different types of insurance and their validity and coverage for travel in Czechia.
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Example

While skiing in Czechia's Krkonoše Mountains, Mark had a bad fall, requiring helicopter rescue and surgery for a broken femur, totaling $25,000. His American Express Gold card's travel protection had a low limit, and his US health insurance didn't cover care abroad, leaving him to pay over $22,000 out-of-pocket.

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Expert advice

Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative's illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.

FAQ

Do I need a visa to travel to Czechia?

No, U.S. citizens do not need a visa for short visits to Czechia for tourism or business purposes. You may stay for up to 90 days within a 180-day period under the Schengen Agreement. A passport valid at least 6 months beyond your arrival date is required.

How do I purchase travel insurance for Czechia?

To buy travel insurance for Czechia, first compare plans, such as using the HelloSafe travel insurance comparison tool. Next, review each plan’s coverage and any exclusions, especially those relevant to Czechia. Purchase your selected policy online and receive your insurance certificate, which may be required at entry.

What should my travel insurance for Czechia cover?

Your travel insurance should include coverage for medical care, hospitalization, and medical evacuation. Additional coverage for baggage loss, trip cancellation, accidents, and personal liability is strongly recommended. Check that your policy meets Czech entry requirements and covers any planned activities.

Are healthcare services easily accessible in Czechia?

Yes, healthcare in Czechia is of western standard, and English-speaking doctors are generally available in major cities. However, access to rural clinics may be more limited and payment may be required upfront. Having insurance that covers direct payment or reimbursement is advisable.

Are there any health risks I should be aware of in Czechia?

Tick-borne encephalitis and Lyme disease can be risks if you plan outdoor activities such as hiking or camping, particularly between March and October. Vaccination is available for tick-borne encephalitis. Routine medical precautions and travel-specific coverage are recommended.

What should I do if I need medical attention during my trip?

If you need medical care, you can contact any local clinic or hospital, particularly in cities like Prague where English is widely spoken. For emergencies, dial 112. Most facilities require payment at the time of service, so keep your insurance details readily available for claims or direct billing.

Do I need a visa to travel to Czechia?

No, U.S. citizens do not need a visa for short visits to Czechia for tourism or business purposes. You may stay for up to 90 days within a 180-day period under the Schengen Agreement. A passport valid at least 6 months beyond your arrival date is required.

How do I purchase travel insurance for Czechia?

To buy travel insurance for Czechia, first compare plans, such as using the HelloSafe travel insurance comparison tool. Next, review each plan’s coverage and any exclusions, especially those relevant to Czechia. Purchase your selected policy online and receive your insurance certificate, which may be required at entry.

What should my travel insurance for Czechia cover?

Your travel insurance should include coverage for medical care, hospitalization, and medical evacuation. Additional coverage for baggage loss, trip cancellation, accidents, and personal liability is strongly recommended. Check that your policy meets Czech entry requirements and covers any planned activities.

Are healthcare services easily accessible in Czechia?

Yes, healthcare in Czechia is of western standard, and English-speaking doctors are generally available in major cities. However, access to rural clinics may be more limited and payment may be required upfront. Having insurance that covers direct payment or reimbursement is advisable.

Are there any health risks I should be aware of in Czechia?

Tick-borne encephalitis and Lyme disease can be risks if you plan outdoor activities such as hiking or camping, particularly between March and October. Vaccination is available for tick-borne encephalitis. Routine medical precautions and travel-specific coverage are recommended.

What should I do if I need medical attention during my trip?

If you need medical care, you can contact any local clinic or hospital, particularly in cities like Prague where English is widely spoken. For emergencies, dial 112. Most facilities require payment at the time of service, so keep your insurance details readily available for claims or direct billing.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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