Prague Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Free Reciprocal
Avg. ER Visit
Free (EHIC)
Recommended Coverage
$100,000
Evacuation Risk
Low
Healthcare in Prague
What to expect if you need medical care
Prague offers good-quality healthcare with solid English availability among medical professionals, making communication relatively straightforward if you need treatment. The costs are notably reasonable compared to many destinations—an emergency room visit averages around $150, while a hospital day costs approximately $300. If you're from an EU/EEA country or Switzerland, your European Health Insurance Card (EHIC) provides access to emergency medical treatment. However, this reciprocal agreement has important limitations: it won't cover medical repatriation if you need to return home, and it doesn't give you access to private healthcare facilities if you prefer them over public options. The city has well-developed emergency services with a reliable infrastructure for medical care.
Reciprocal Healthcare Available
Citizens of EU, EEA, CH may have partial coverage through reciprocal agreements.
EHIC covers emergency treatment only, not repatriation or private healthcare preferences
What Your Policy Should Cover
Country-specific considerations for Prague
Your policy should address Prague's specific risk profile. Tick-borne encephalitis presents a moderate risk, particularly if you're visiting between spring and autumn or exploring forested areas, so ensure your coverage includes treatment for tick-borne illnesses. If you're planning winter activities, know that skiing and snowboarding typically require specific add-ons to your basic policy—mountain sports aren't automatically covered. Similarly, rock climbing and other adventure sports are often excluded from standard policies, so verify these activities are included if relevant to your plans. While extreme weather events pose low risk, winter and summer are peak times. Beyond medical coverage, ensure your policy includes trip cancellation protection and theft coverage, as you'll need proper documentation like police reports to file successful claims.
Tick-Borne Encephalitis
Moderate Risk
Peak: spring to autumn
Extreme Weather Events
Low Risk
Peak: winter and summer
Activity-Specific Coverage
Skiing And Snowboarding: Mountain sports coverage often requires specific add-on
Rock Climbing: Adventure sports may be excluded in basic policies
How Much Coverage Do You Need?
Our recommendation based on Prague's healthcare costs
While the mandatory minimum is €30,000 (approximately $30,000), the recommended $100,000 coverage provides crucial protection beyond basic requirements. Even though Prague's healthcare costs are moderate—$150 for ER visits and $300 per hospital day—serious illnesses or injuries requiring extended hospitalization can quickly escalate. The low evacuation risk reflects Prague's well-developed emergency infrastructure, but specialized mountain rescue or medical repatriation to your home country could still cost tens of thousands of dollars. The higher coverage amount ensures you're protected for worst-case scenarios without financial stress.
Minimum
$30,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Prague
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, police reports for theft, proof of trip cancellation reasons
- Keep all medical reports and itemized receipts from any healthcare providers you visit—Czech documentation standards are thorough, and you'll need detailed records for claims processing
- If you experience theft, immediately file a police report (called 'protokol') as this is mandatory documentation for insurance claims involving stolen belongings
- For trip cancellation claims, gather comprehensive proof of your cancellation reason, whether medical certificates, death certificates, or employer letters—claims difficulty is moderate, so complete documentation is essential
- Save your Schengen visa application documents showing your insurance coverage, as these may be requested during claims processing to verify your policy dates
- If visiting forested areas during spring to autumn when tick-borne encephalitis risk peaks, photograph any tick bites and seek immediate medical attention, keeping all related documentation for potential claims
Get Covered for Prague
Travel insurance is required to enter Prague. Get your coverage sorted before you go.
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