Compare Czech Republic travel insurance

History, culture, tradition and great beer: it’s easy to see why the Czech Republic is one of Europe’s most popular tourist destinations. Before you start exploring this fascinating country, make sure you have the right travel insurance in place.

History, culture, tradition and great beer: it’s easy to see why the Czech Republic is one of Europe’s most popular tourist destinations. Before you start exploring this fascinating country, make sure you have the right travel insurance in place.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
6
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Posted 18 JANUARY 2021 Last Updated 21 FEBRUARY 2022

Do I need travel insurance for the Czech Republic?

Travel insurance for the Czech Republic can cover your baggage and personal belongings against loss, theft or damage. It can also cover you if you get ill or have an accident while you’re in the country. 

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

How much is travel insurance to the Czech Republic?

If you’re travelling to the Czech Republic, you’ll need European travel insurance.  A travel policy can cost from as little as £5.93 for a week’s holiday in Europe [1]. 

But the cost of your premium can depend on the level of cover you need, what activities you’ll be doing and whether you have any pre-existing medical conditions. 

[1] Based on Compare the Market data for a single trip travel policy for a 20-year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2022.

What will Czech Republic travel insurance cover?

Travel insurance for the Czech Republic will typically cover:

  • Medical care – covers the cost of medical treatment if you were to fall ill or have an accident during your Czech Republic holiday. 
  • Baggage loss – check how much you’ll be covered for if your luggage and personal possessions are lost, stolen or damaged. The limit might not be enough to cover expensive devices, like a top-of-the-range smartphone or a laptop, so you might want to consider insuring them separately with a gadget insurance policy.
  • Cancellation and delays – if your holiday is cancelled, delayed or shortened for reasons stated within the policy. Some policies don’t cover missed connections, so check the Ts&Cs if you want this type of cover.
  • Repatriation if you need to be flown home because of a medical requirement.
  • Covid-19 – cover can protect you for cancellation, medical expenses, extended stays and repatriation because of Covid-19. Look at the the levels of Covid-19 cover available when comparing Czech Republic travel insurance with us. Look for the ‘more details’ option on the quote results page. 

What doesn’t Czech Republic travel insurance include?

While policies can vary, it’s unlikely travel insurance providers will cover:

  • Accidents or injuries that occur while you’re under the influence of alcohol or drugs.
  • Accidents or injuries caused by sports and activities specifically excluded from your policy.
  • Natural disasters, terrorism and civil unrest – although some providers may offer limited cover for terrorism-related incidents. 
  • Pre-existing medical conditions – if you need cover for these, you’ll usually have to pay more for your premium. Failing to disclose any pre-existing conditions could void your policy, meaning you’ll have to pay for your treatment yourself.

Find out more about things that travel insurance will cover, and things it won’t

Is my European Health Insurance Card (EHIC) card valid in the Czech Republic?

As a result of the UK leaving the EU, the EHIC has now been replaced by the Global Health Insurance card (GHIC). But if you have an existing EHIC, you’ll still be able to use it until it expires. 

The GHIC works in the same way and offers the same cover as the EHIC did in EU countries. It entitles you to necessary medical treatment on the same terms as Czech nationals. But both the EHIC and GHIC only offer limited emergency medical cover and are not a substitute for travel insurance. The Foreign, Commonwealth & Development Office strongly advises visitors to Europe to have separate travel insurance in place. 

You can apply for a UK GHIC here. It’s free to apply and the card should arrive within 10 days. 

What else should I consider when I choose my travel insurance for the Czech Republic?

The Czech Republic not only offers a wealth of castles and cultural events, but also stunning landscapes with lakes, mountains, national parks and underground caves. There’s no shortage of things to do – just make sure your travel insurance covers you for these activities. 

Depending on the activities you’re planning to do, you may need extra cover. For example:

  • Winter sports insurance – the Krkonoše mountains are an ideal location for skiing holidays, so you might want to consider cover that gives you extra protection on and off the slopes.
  • Extreme sports insurance – covers you for more adventurous activities like exploring the Konĕprusy Caves or skydiving in Prague.

Personal liability is another type of cover to look out for. It can protect you against legal costs if you injure someone or damage their property while you’re on holiday. 

Do I need a visa to visit the Czech Republic?

UK nationals can visit the Czech Republic or other countries in the Schengen Area for up to 90 days in a 180-day period without a visa. Your passport must also be valid for at least three months after the day you plan to leave the Czech Republic. 

As a tourist, you’ll need to register where you’re staying in the Czech Republic with the nearest Foreign Police Department or through your accommodation providers within the first three days after arrival. 

The Czech Republic entry rules regarding Covid-19 could change with very little warning, so make sure you check the GOV UK website for the latest updates before you go.  

Did you know?

You can’t take meat, milk or products containing them into EU countries, including the Czech Republic. Exceptions include powdered baby milk and infant food, or pet food required for medical reasons. Check the latest rules for taking food and drink into the EU on the European Commission website.

What else should I think about when visiting the Czech Republic?

With more than 300,000 British visitors enjoying the delights of the Czech Republic every year, this fascinating country steeped in history and folklore has something for everyone. 

Here are some tips to make sure your Czech Republic holiday is as enjoyable as possible:

  • Prague is easy to walk around and many of its most famous sights can be reached on foot. It’s a safe city and crime rates are low. But like all cities, pickpocketing and bag snatching is a possibility, so it’s best to remain vigilant, especially when using ATM machines.
  • Check out the castles, there are thousands dotted around the country. The Czech Republic is home to some of the oldest castles in the world.
  • Try world-famous beers. The pubs and breweries offer an enormous range of local brews, some of which are considered the finest in the world. If you don’t feel like just drinking, head to a beer spa for a spot of beer-based pampering instead.
  • Tipping is generally expected in restaurants in Prague and the larger tourist areas, but it’s not that big a deal in smaller towns. If you’re happy with the service, it’s polite to tip around 10%.
  • The official currency of the Czech Republic is the koruna (CZK). Some larger restaurants and hotels in Prague accept euros but most places will only take Czech korunas.
  • Public transport is very good – the buses, trams and metro are cheap and efficient. The Czech Republic is a small country and easy to drive around, so if you want to explore further afield, consider renting a car.

Where can I compare travel insurance for the Czech Republic?

Our easy-to-use price comparison service will help you find the right level of cover for your trip to the Czech Republic. Just give us a few details and we’ll give you a list of suitable quotes to choose from.

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