Cracow 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 Cracow
What to expect if you need medical care
Cracow offers good quality healthcare with solid English availability among medical professionals, making it easier for international visitors to communicate their needs. You can expect to pay around $150 for an emergency room visit and approximately $200 per day for hospitalization—significantly less than many Western countries. The city's major healthcare facilities are well-equipped and staffed with competent professionals. However, if you're not from an EU/EEA country, Switzerland, or Great Britain, you won't benefit from reciprocal healthcare agreements and will need to pay out-of-pocket for all medical services. Even with an EHIC card, you're only covered for emergency treatment, not elective procedures, repatriation, or choosing private facilities for better comfort or faster service.
Reciprocal Healthcare Available
Citizens of EU, EEA, CH, GB 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 Cracow
Your policy should address Cracow's specific risks and activities. If you're visiting between spring and autumn, ensure coverage for tick-borne encephalitis treatment, as this presents a moderate risk. Year-round air pollution in cities can exacerbate respiratory conditions, so pre-existing condition coverage matters if you have asthma or similar issues. Winter travelers face extreme weather risks and should verify winter sports coverage if skiing. If you're heading to the Tatra Mountains for skiing or winter sports, mountain rescue coverage is essential. For hiking in remote areas, confirm your policy includes helicopter evacuation—while Cracow itself has excellent healthcare infrastructure, remote mountain regions may require air rescue. Adventure tourism participants should carefully verify that high-risk activities aren't excluded from their coverage.
Tick-Borne Encephalitis
Moderate Risk
Peak: spring to autumn
Air Pollution In Cities
Moderate Risk
Peak: year-round
Extreme Winter Weather
Moderate Risk
Peak: winter
Activity-Specific Coverage
Skiing And Winter Sports: Mountain rescue coverage important in Tatra Mountains
Hiking In Remote Areas: Ensure coverage includes helicopter evacuation
Adventure Tourism: Verify coverage for high-risk activities
How Much Coverage Do You Need?
Our recommendation based on Cracow's healthcare costs
The recommended $100,000 coverage provides substantial protection despite Cracow's relatively affordable healthcare costs. While a single ER visit costs around $150 and hospital days run $200, serious conditions requiring extended hospitalization or surgery can quickly escalate. The real justification lies in evacuation scenarios: helicopter rescue from remote mountain areas, though low-risk, can be extremely expensive. Additionally, medical repatriation to your home country—not covered by EHIC—could cost tens of thousands of dollars. The $100,000 level ensures you're protected for worst-case scenarios while the $50,000 minimum covers more typical medical emergencies.
Minimum
$50,000
Basic emergencies only
Recommended
$100,000
Full protection
Making a Claim in Cracow
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, police reports for theft/accidents, proof of travel disruption
- Keep all medical reports and receipts from Polish healthcare providers, as these are essential for claims processing. Request English translations if documents are issued in Polish.
- File a police report immediately for any theft or accident-related claims, as Polish authorities' documentation will be required by your insurer.
- Save proof of travel disruption including tickets, booking confirmations, and official delay/cancellation notices from airlines or rail services.
- If you have an EHIC card, present it at healthcare facilities but still document everything for insurance purposes, as you may need to claim for services not covered by reciprocal agreements.
- For mountain rescue or helicopter evacuation, obtain detailed invoices and incident reports from rescue services, as these high-cost claims require thorough documentation.
Get Covered for Cracow
Protect your trip to Cracow with comprehensive coverage from a trusted provider.
Get a Quote from World NomadsCoverage for 200+ countries • 24/7 emergency assistance • We may earn a commission at no extra cost to you.