The Slovenia Insurance Supervision Agency published guidance for travellers on how travel health insurance and trip cancellation cover may operate during the current war-related disruption in parts of the Middle East. It flags that, while travel insurance with assistance can work well in normal conditions, policy exclusions and practical constraints can significantly limit claims and the provision of assistance in conflict situations. The guidance highlights that healthcare costs vary widely across countries and that choosing an insufficient sum insured can leave policyholders with out-of-pocket payments. It summarises typical travel health insurance structures and optional add-ons, and notes that cover is generally worldwide except in Slovenia and the policyholder’s country of residence, subject to the policy’s territorial scope. It also points to insurer practices in crisis conditions, including at least one insurer’s public notice that it cannot organise or cover healthcare services in specified territories including Russia, Belarus, Ukraine, Palestine, Israel, Lebanon, Iran and Syria. Common exclusions referenced include events directly linked to war, civil unrest, strikes or demonstrations, terrorist acts and sabotage, and the guidance notes that insurers may deny assistance where it is impossible or reasonably not feasible, such as where airspace is closed or movement is restricted. On trip cancellation insurance, the agency indicates that reimbursement for cancelled flight tickets typically depends on having appropriate, valid cancellation cover and the Ministry of Foreign and European Affairs issuing an instruction to leave or advising against travel for the relevant country. For claims connected to the current hostilities, it states that insurance must have been taken out before the outbreak of the war, no later than 27 February 2026, and that eligibility for travellers who have not yet departed will depend on conditions on their travel date; it also notes that short-term travel insurance can be cancelled if it has not yet taken effect.
Slovenia Insurance Supervision Agency 2026-03-26
Slovenia Insurance Supervision Agency issues guidance on war-related exclusions and trip cancellation conditions in travel insurance
The Slovenia Insurance Supervision Agency issued guidance on travel health insurance and trip cancellation cover amid Middle East conflict disruptions. It warns of significant limitations in claims and assistance due to policy exclusions and practical constraints in conflict zones. The guidance also outlines insurer practices, common exclusions, and conditions for trip cancellation claims, emphasizing the importance of appropriate coverage and timing.