Travel insurance: Poland

Compare travel insurance for Poland

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Our guide will help you make the most of the beautiful landscapes and buzzing cities of Poland – just make sure your insurance is sorted first

Poland

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It’s only a short plane trip away, but going to Poland can feel like a journey into another world. The country is steeped in a rich and ancient history, and features dozens of beautiful fairytale towns nestled between stunning mountains and deep forests. It’s a great destination for hiking or outdoor sports – but it’s also perfect for a weekend mini-break, with a lively bar culture and some of the best vodka in the world.

It’s yours to explore – just make sure you’re properly insured before you go, so your trip to Poland goes off without a hitch.

Do I need travel insurance for Poland?

If you’re planning a holiday in Poland, you should always make sure you have travel insurance before you set off. That way, you’ll be protected against many common travel problems while on your trip. For instance, travel insurance can cover you against illness, accidents, lost baggage and theft while you’re on your Polish getaway.

Travel insurance also means you’ll be able to reclaim your costs if you have to cancel or cut short your trip in an emergency – so you can relax and enjoy your holiday.

What type of travel insurance do I need for Poland?

Because Poland is an EU country, your trip will be covered by any European travel insurance policy. However, there are many different types of insurance that might suit your holiday. When you find the best travel insurance deals through MoneySuperMarket, you’ll be able to tailor your insurance to your needs. Some categories to look out for:

  • Single-trip insurance: If you only want to cover your trip to Poland, select single-trip travel insurance, and type in Poland as your destination
  • Annual multi-trip insurance: If you take two or more holidays a year, it might save money to buy an insurance policy for the entire year. You can choose from a policy that only covers trips within Europe, or policies that will cover you across the world. If you’re planning to visit the USA, Canada or the Caribbean, you’ll need a specific policy for these countries
  • Backpackers’ insurance: If you’re visiting Poland as part of a backpacking holiday, you can find great deals on backpackers’ insurance, which can cover you for longer trips or if you’ll be visiting several different countries

What should my Poland travel insurance include?

When you’re choosing a travel insurance deal for your Polish holiday, watch out for these important features your cover should include:

  • Medical cover, which most insurers will offer for costs up to £5m. This is particularly important due to Brexit – as it’s not currently guaranteed that your European Health Insurance Card (EHIC) will continue to cover treatment in Polish hospitals after the transition period, which ends on December 31, 2020
  • Cancellation cover, which pays out up to a certain amount if you need to cancel your holiday or cut it short due to an emergency
  • Repatriation, which covers the cost of bringing you back to the UK
  • Baggage cover, which insures you in case your luggage is lost during your trip or any of your possessions are stolen. If you’re taking any particularly expensive items – such as jewellery – on your holiday, make sure they’ll be included in your insurance
  • Gadget cover, which will help in case a possession such as a mobile phone or a GoPro is lost or stolen
  • Passport cover, which protects you against extra expenses if your passport is lost or stolen while you’re abroad

You should also keep an eye on your policy’s excess – that’s the amount you’ll have to pay yourself towards any claim. A higher excess usually means your premium is cheaper – but make sure it’s an amount you’ll be able to pay.

The full details of your insurance will be in your policy document, so make sure you read it in full before you choose a travel insurance deal.

What won’t be covered in my Polish travel insurance?

There are some features that may not be included in your insurance for your trip to Poland. These are known as exclusions. Make sure know what you can and can’t claim for before you make your holiday plans.

  • Some insurance policies might not cover you for accidents or injuries you sustain during activities like skiing and snowboarding, or even hiking and mountain-biking. MoneySuperMarket’s insurance comparison tool allows you to quickly find out what activities will and won’t be covered in any travel insurance policy. If you plan on enjoying any physical activities while on your Polish getaway, check that they’re included first
  • If you have a pre-existing medical condition, or you’ve had one in the past for which you’ve received advice or treatment, you may be charged a higher premium. If this is the case, it may help to take out a special policy for pre-existing conditions
  • Poland is a stable and peaceful country – however, you may not be covered for incidents related to civil unrest, war or terrorism, so exercise caution
  • If you suffer an accident or injury that can be linked to you drinking too much or using illegal drugs, insurers are likely to refuse your claim

When should my Poland insurance policy start from?

When you choose an insurance policy, make sure you’re covered from the day you book your trip, not the day you actually leave. That way, you’ll be covered in case you need to cancel your holiday before you set off.

Health and vaccinations

If you need medical help while you’re in Poland, you should find that the healthcare facilities are roughly as good as those in the UK. However, staff might not always speak English, so be prepared to face a language barrier.

It’s important to make sure you’re up to date with all your vaccines before you set off for Poland, especially if you plan to spend time in more rural areas of the country. Poland’s forests are beautiful – but if you’re planning to go camping or enjoy a hike, especially during the summer, you may be at risk from tick-borne encephalitis (TBE). Ask your doctor about a TBE shot before you leave.

The legal status of some medicines might be different in Poland. If you’re travelling with prescription medicines, it’s best to check in advance to make sure they’re not controlled. You should also bring a copy of your prescription with you.

Poland fact file

Travelling to Poland: Key information

Language

Polish

Currency

 Zloty – compare travel money

Dialling code

 +48

Plug sockets

 Plug sockets type C and E – adapter needed

Emergency services phone number

112

Vaccinations:

See the National Travel Health Network for latest information

Embassy address and contact details

Embassy of the United Kingdom

Kawalerii 12, 00-468

Warsaw

Poland

Telephone: +48 22 311 00 00

FCO travel advice

 See UK gov website for latest information

Top travel tips for Poland

Poland is full of beautiful sights and exciting things to do. Use our Polish travel tips to help you make the most out of your holiday:

  • How’s it going? If you ask a Polish person how they’re doing, they’ll really tell you. Polish has no real equivalent for the ‘How are you? Fine, how are you?’ exchanges we’re used to in English – so if you don’t have time to chat, it’s not rude to cut to the chase
  • Massive Malbork: Here’s one for history buffs. When it was finished in 1406, Malbork Castle near Gdansk was the largest castle in the world. Incredibly, it’s kept that title right to the present day
  • Hit the beach: It might not be everyone’s first thought of a summer beach destination, but July temperatures on Poland’s Baltic Sea coast rise to an average of 22 degrees. Check out busy resorts like Sopot – which also features the world’s longest wooden pier – or for a quieter getaway, enjoy the natural beauty and white sands of Rewal
  • Or the slopes: If powder’s more your style, Poland also has fantastic skiing and snowboarding resorts. The biggest, at Szczyrk, offers 17 slopes with over 38 kilometres of skiing. Just make sure you’re insured for winter sports before you hit the powder
  • Or the dancefloor: For night owls, Warsaw’s the place to be. Poland’s glittering capital features hundreds of great bars, along with some of Europe’s top nightclubs. Take in the glitz and glamour of the downtown, or head over the river to the former industrial district of Praga for a more underground vibe
  • Wonderful Wieliczka: The salt mine in Wieliczka is one of Poland’s most popular attractions – and it’s not hard to see why. Once a working mine, it’s now been hollowed out into a series of beautiful caverns, full of statues carved directly from the translucent salt. There’s also an underground lake, and you can even hire it out as an unforgettable events space
  • Fill up on bread: Polish food isn’t just dumplings: the country has a great variety of local delicacies, including delicious sausages, pickles, soups, and deserts. But the country’s culinary star might just be its bread. From the famous sourdough rye to buttery braided egg loaves, pop into a bakery and try some for yourself
  • Learn the lingo: Polish isn’t the world’s most accessible language – they seem to get by with a lot fewer vowels than we do. Still, it’s a good idea to get to grips with the local lingo. Remember, a ‘w’ in Polish is pronounced like an English ‘v’, and a ‘j’ is pronounced like our ‘y’
  • Count the roses: If you want to give a Polish person flowers as a gift, count them first – even numbers are usually only given for funerals. To avoid a nice gesture being misinterpreted, give three or five
  • Tipping tips: Tipping is encouraged in bars and restaurants, and your staff will expect something in the region of 10%, rising to 15% if you really appreciate the service

Get the best price on travel insurance for Poland

Travel insurance for Poland is essential to keep your protected, but not all policies are the same. To find the cheapest Polish travel insurance that meets all your needs, it’s important to compare before you buy.

MoneySuperMarket’s comparison tool asks you a few simple questions about you and your holiday: where you are going, how long for and what you want your policy to cover, and in just a couple of minutes you can compare prices from a range of leading travel insurers.

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