The Best Travel Insurance Plans for Czech Republic in 2025
- The best travel insurance plans for Czech Republic
- Is it currently safe to travel to the Czech Republic?
- Is Travel Insurance Required by Law to Enter the Czech Republic?
- Why take out travel insurance for Czech Republic?
- Travel insurance coverage for Czech Republic
- The cost of travel insurance for Czech Republic
- How to pay less for your travel insurance to Czech Republic
- Using Your Current Insurance in Czech Republic
- FAQ
Travel insurance for Czech Republic: key takeaways
1. Definition: Travel insurance for Czech Republic covers medical emergencies, trip cancellation, and lost baggage.
2. Key protection: Insurance is not mandatory for Canadians, but it is highly recommended for medical emergencies.
3. Healthcare cost: Healthcare is good, but a hospital stay can cost over $1,000 CAD per night.
4. Price: A one-week travel insurance policy for Czech Republic costs between $30 and $60 CAD.
5. Good to know: Your 90-day visa-free stay limit applies to the entire Schengen Area, not just Czech Republic.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 42 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Czech Republic.
The best travel insurance plans for Czech Republic
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.5M $CAD | A strong choice for Czech Republic visits. - very high medical limit - covers repatriation - flexible for diverse needs. |
| Cap Assistance 24/24 | 1.5M $CAD | Good for both short and longer stays. - 24/7 medical support - cancellation protection - no deductible. |
| Tourist Card | 750k $CAD | Suitable for vacationers needing reliable cover. - solid medical guarantees - emergency assistance - reasonable pricing. |
| Travel Pass Monde | 1.05M $CAD | Recommended for multi-country or active trips. - repatriation included - hospital costs covered - broad coverage. |
| Globe Partner | 450k $CAD | Fits longer stays or students. - urgent care abroad - civil liability cover - straightforward claims. |
| Globe Traveller | 750k $CAD | Well-adapted to short, lower-risk trips. - key medical risks insured - fast claims - limited coverage. |
- very high medical limit
- covers repatriation
- flexible for diverse needs.
- 24/7 medical support
- cancellation protection
- no deductible.
- solid medical guarantees
- emergency assistance
- reasonable pricing.
- repatriation included
- hospital costs covered
- broad coverage.
- urgent care abroad
- civil liability cover
- straightforward claims.
- key medical risks insured
- fast claims
- limited coverage.
Is it currently safe to travel to the Czech Republic?
As of June 2025, Global Affairs Canada reports that Czech Republic remains a safe destination for Canadian travellers, with the lowest risk level requiring only normal security precautions.
- Security risks: while violent crime rates are low, pickpocketing and bag snatching are frequent, especially in crowded areas of Prague like Old Town Square or on public transport.
- Health risks: medical care is widely available but often requires up-front payment. Vaccinations for hepatitis A, B and tick-borne encephalitis are recommended, especially for outdoor activities between April and November.
- Legal requirements: if you stay in private accommodation for more than 3 days, you must register at the Foreign Police office. Always carry your passport, as identity checks are common.
- Cultural expectations: local police enforce alcohol rules strictly, especially during festivals. Disruptive behaviour, such as noise late at night in city centres, can result in fines.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Czech Republic.
Is Travel Insurance Required by Law to Enter the Czech Republic?
No, travel insurance is not mandatory for Canadian travellers entering Czech Republic for short stays or tourism.
Nevertheless, travel insurance is strongly recommended. Even though medical care in Czech Republic is of good quality and widely available, hospitals and clinics frequently require up-front payment from foreigners. Travel insurance helps cover medical expenses, hospitalisation, and emergency repatriation, preventing significant out-of-pocket costs.
According to our data, 50% of travellers purchase travel insurance before going to Czech Republic. The moderate rate reflects the country’s safety and the generally accessible healthcare system, though unexpected costs can still arise.
Why take out travel insurance for Czech Republic?
It is an essential financial and medical protection for anyone going to Czech Republic.
While public and private healthcare in Czech Republic—such as Motol University Hospital in Prague—meets high standards, foreigners are generally required to pay up front for all services. Emergency treatments, specialist consultations, and extended hospitalisation can result in significant expenses not covered by provincial health plans.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Czech Republic.
| Example of medical treatment | Cost at Motol University Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 35,000 CZK (2,100 $CAD) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 50,000 CZK (3,000 $CAD) | Up to 100% |
| I need to be repatriated | 400,000 CZK (24,000 $CAD) | Up to 100% |
| I have appendicitis (consultation and surgery) | 110,000 CZK (6,600 $CAD) | Up to 100% |
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.
Travel insurance coverage for Czech Republic
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and treatments in case of illness or accident. Recommended reimbursement limit: $100,000 CAD. |
| 🚑 Emergency evacuation | Covers ambulance services and medical transport back to Canada if necessary. Recommended reimbursement limit: $100,000 CAD. |
| 💊 Hospitalisation and medications | Pays for hospital admissions and prescribed medication. Recommended reimbursement limit: $50,000 CAD. |
| 🧳 Baggage and personal effects | Covers theft, loss, or damage of luggage and personal belongings. Recommended reimbursement limit: $3,000 CAD. |
| ❌ Trip cancellation/interruption | Covers trip costs if you must cancel or interrupt your trip due to an emergency. Recommended reimbursement limit: $5,000 CAD. |
| 👨⚖️ Personal liability | Provides coverage if you accidentally injure someone or damage property. Recommended reimbursement limit: $1,000,000 CAD. |
| 🏠 Assistance services | Offers emergency support, translation, and help with medical referrals. Recommended: 24/7 international assistance. |
Recommended reimbursement limit: $100,000 CAD.
Recommended reimbursement limit: $100,000 CAD.
Recommended reimbursement limit: $50,000 CAD.
Recommended reimbursement limit: $3,000 CAD.
Recommended reimbursement limit: $5,000 CAD.
Recommended reimbursement limit: $1,000,000 CAD.
Recommended: 24/7 international assistance.
Travel insurance from local providers or bank cards often includes low limits, exclusions, or does not cover all situations. It is safer to select a trusted insurer with comprehensive coverage. Compare leading options on HelloSafe and subscribe instantly online for immediate certification.
The cost of travel insurance for Czech Republic
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $27 CAD |
| 2 weeks | 45 years old | $41 CAD |
| 1 month | 35 years old | $59 CAD |
| 1 month | 70 years old | $119 CAD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance depends on several factors: your age, trip duration, destination, desired coverage, and any optional add-ons like cancellation protection. Considering these details is key for Canadian travellers to find the right policy at the best price, ensuring you're properly covered without overpaying for your trip abroad.
💡 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 compareHow to pay less for your travel insurance to Czech Republic
Here are some suggestions to optimize the cost of your travel insurance to Czech Republic while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕐 Trip duration | Insurance cost depends on how long you will stay in Czech Republic. Shorter trips mean lower premiums. | Only insure the period you are actually abroad; avoid adding unnecessary extra days to save money. |
| 👤 Traveller's age | Insurers increase prices for older travellers, but entry to Czech Republic has no age price rules. | Check rates for those 62+; Heymondo does not increase its prices for people over 62. |
| 🚑 Level of coverage | Price rises with higher medical and assistance benefit ceilings, but Czech Republic requires no minimum for Canadians. | Select only as much coverage as you need; consider your personal health and planned activities for the right balance. |
| 🎒 Nature of activities | Sports and outdoor adventure activities mean higher risk and premiums. | Remove risk sport cover if not needed to decrease your premium; only add activities you will actually do. |
| 👨👨👦 Group/family plans | Insuring multiple people together is often cheaper per person than separate contracts. | Opt for a family or group policy if possible, as this generally results in better rates for everyone covered. |
| 📅 Timing of purchase | Buying too early or late can affect cost and flexibility. | Buy insurance after confirming your trip details to avoid unnecessary fees or penalties for changes. |
| 🚩 Pre-existing conditions | Extra coverage for chronic medical issues raises the price. | Declare only conditions you need to cover and choose a plan clear about its rules for pre-existing medical conditions. |
Important
Travel insurance is not a legal requirement for Canadians entering Czech Republic for short stays. However, it is highly recommended to choose a plan covering medical care and repatriation due to possible high local costs.
Using Your Current Insurance in Czech Republic
It is legitimate to wonder if your public or private health insurance, or even your credit card insurance, can protect you during a trip to Czech Republic. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Czech Republic? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Canada Health Transfer) | Never | No health care abroad, no hospital or repatriation. | Travel insurance can cover up to CAD 1,500,000+ medical costs and emergency evacuation. |
| Private health insurance | Limited coverage | Possible partial reimbursement after return. Hospitalization, repatriation, and urgent care often excluded. | Travel insurance covers up to CAD 1,500,000+ including hospitalization and repatriation. |
| Classic credit card (TD Classic, RBC Visa Classic) | Limited coverage | Medical costs below CAD 15,000 only. No or very limited repatriation and usually no hospital coverage. | Travel insurance covers up to CAD 1,500,000+, includes 24/7 assistance and on-site care. |
| Premium credit card (Visa Infinite, Amex Gold, BMO World Elite) | Limited coverage | Medical fees up to CAD 250,000. Luggage and trip delay: low limits, sometimes repatriation excluded. | Travel insurance can include up to CAD 1,500,000+ for medical, cancellation, and luggage. |
Example
While hiking in Bohemian Switzerland, Mark contracted tick-borne encephalitis, leading to a $40,000 hospital bill. His RBC Avion card's travel insurance had a $15,000 limit, and his provincial plan covered almost nothing. Without comprehensive travel insurance, he faced a shocking $25,000 out-of-pocket expense from a simple tick bite.
Expert advice
Many bank card or provincial health plans exclude trip interruption due to a relative’s illness or death. Scrutinize your policy’s fine print to avoid costly surprises abroad. In all cases, subscribing to a dedicated travel insurance plan tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Czech Republic?
Canadian citizens do not need a visa for tourist, business, or personal visits up to 90 days within a 180-day period in the Schengen area. Your passport must be valid for at least 3 months beyond your planned departure date. Starting later in 2025, Canadians will also need to apply for ETIAS authorization before entering Czech Republic.
How do I purchase travel insurance for Czech Republic?
First, compare plans using the HelloSafe travel insurance comparison tool to find the best option for your needs. Check policy details paying special attention to Czech Republic–specific features, exclusions, and coverage for medical care and repatriation. Purchase your chosen policy securely online. You will then receive your insurance certificate by email for your trip.
What vaccinations are recommended for travel to Czech Republic?
All routine vaccines, including measles, flu, and tetanus, should be current. Hepatitis A and B vaccines are recommended, especially if you plan on eating local food or staying for extended periods. Tick-borne encephalitis is advised for travellers participating in outdoor activities from April to November.
Can health care providers in Czech Republic require upfront payment?
Yes, medical providers in Czech Republic may require you to pay for services when treated, even during emergencies. Your travel insurance can reimburse you for these expenses, but you must keep all receipts and submit a claim after treatment. Contact your insurer’s support line if you need assistance in an emergency.
Will my travel insurance cover theft or loss in Czech Republic?
Many travel insurance policies cover theft, loss, or damage of belongings, but the amount covered and specific terms vary. Coverage often includes stolen passports, wallets, and electronics, but exclusions and limits apply. Review your policy documents before departure to confirm exact benefits and how to claim in case of loss.
Is emergency evacuation included in travel insurance for Czech Republic?
Most comprehensive travel insurance plans include emergency medical evacuation back to Canada or to a nearby facility. This covers the cost of transportation and medical personnel if you are seriously ill or injured. Check the policy to confirm evacuation is covered up to at least CAD 500,000 for European travel.
Do I need a visa to travel to Czech Republic?
Canadian citizens do not need a visa for tourist, business, or personal visits up to 90 days within a 180-day period in the Schengen area. Your passport must be valid for at least 3 months beyond your planned departure date. Starting later in 2025, Canadians will also need to apply for ETIAS authorization before entering Czech Republic.
How do I purchase travel insurance for Czech Republic?
First, compare plans using the HelloSafe travel insurance comparison tool to find the best option for your needs. Check policy details paying special attention to Czech Republic–specific features, exclusions, and coverage for medical care and repatriation. Purchase your chosen policy securely online. You will then receive your insurance certificate by email for your trip.
What vaccinations are recommended for travel to Czech Republic?
All routine vaccines, including measles, flu, and tetanus, should be current. Hepatitis A and B vaccines are recommended, especially if you plan on eating local food or staying for extended periods. Tick-borne encephalitis is advised for travellers participating in outdoor activities from April to November.
Can health care providers in Czech Republic require upfront payment?
Yes, medical providers in Czech Republic may require you to pay for services when treated, even during emergencies. Your travel insurance can reimburse you for these expenses, but you must keep all receipts and submit a claim after treatment. Contact your insurer’s support line if you need assistance in an emergency.
Will my travel insurance cover theft or loss in Czech Republic?
Many travel insurance policies cover theft, loss, or damage of belongings, but the amount covered and specific terms vary. Coverage often includes stolen passports, wallets, and electronics, but exclusions and limits apply. Review your policy documents before departure to confirm exact benefits and how to claim in case of loss.
Is emergency evacuation included in travel insurance for Czech Republic?
Most comprehensive travel insurance plans include emergency medical evacuation back to Canada or to a nearby facility. This covers the cost of transportation and medical personnel if you are seriously ill or injured. Check the policy to confirm evacuation is covered up to at least CAD 500,000 for European travel.
