The Best Travel Insurance Plans for Poland in 2025
- The best travel insurance plans for Poland
- Is it currently safe to travel to Poland?
- Is travel insurance required by law to enter Poland?
- Why take out travel insurance for</b> Poland?
- What should travel insurance for Poland cover?
- The cost of travel insurance for Poland
- How to pay less for your travel insurance to Poland
- Can I rely on my current insurance to cover me in Poland?
- FAQ
Travel insurance for Poland: key takeaways
1. Definition: Travel insurance for Poland covers medical emergencies, trip cancellations, and lost personal belongings.
2. Key protection: Insurance is not mandatory for Australians but is vital to cover potential high medical costs.
3. Healthcare cost: A hospital stay in Poland can cost foreign visitors upwards of AUD 1,000 per night.
4. Price: A one-week travel insurance policy for Poland typically costs between AUD 30 and AUD 60.
5. Good to know: You should carry your passport at all times, even when crossing borders within Europe.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 38 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Poland.
The best travel insurance plans for Poland
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | Our recommendation for safe travel to Poland. - very high medical limit - repatriation included - modern, comprehensive guarantees |
| Cap Assistance 24/24 | AUD 1.6M | A reliable choice for Poland, especially for short stays. - 24/7 medical helpline - cancellation cover - no deductible |
| Tourist Card | AUD 800K | Practical option for tourism with strong baseline protection. - good medical cover - emergency assistance - attractive pricing |
| Travel Pass Monde | AUD 1.1M | Balanced for trips to Poland, offering comprehensive support. - repatriation covered - hospital costs included - global assistance |
| Globe Partner | AUD 480K | Solid for international stays with essential cover and simple claims. - medical care abroad - repatriation - civil liability |
| Globe Traveller | AUD 800K | An affordable solution for short, lower-risk travel. - essential medical cover - quick reimbursement - limited ceiling |
- very high medical limit
- repatriation included
- modern, comprehensive guarantees
- 24/7 medical helpline
- cancellation cover
- no deductible
- good medical cover
- emergency assistance
- attractive pricing
- repatriation covered
- hospital costs included
- global assistance
- medical care abroad
- repatriation
- civil liability
- essential medical cover
- quick reimbursement
- limited ceiling
Is it currently safe to travel to Poland?
As of June 2025, the Department of Foreign Affairs and Trade (DFAT) advises travellers from Australia to exercise normal safety precautions when visiting Poland, which means Poland is generally safe for travel.
Here are their four main recommendations.
- Security risks: petty crime such as bag snatching and pickpocketing can occur in crowded settings, especially in tourist areas and on public transport in Warsaw, Krakow or Gdansk.
- Health risks: air pollution levels may be high in winter, particularly in urban areas like Krakow. Tick-borne encephalitis is present in rural or forested locations from spring to autumn.
- Legal constraints: public intoxication and drink driving are strictly prohibited, with a 0.02% blood alcohol limit. Only official taxis should be used to avoid scams.
- Cultural norms: public displays of affection by LGBTQIA+ visitors may attract attention or discomfort, especially in rural settings. Respect for local customs is advised.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Poland.
Is travel insurance required by law to enter Poland?
No, travel insurance is not mandatory for Australian citizens travelling to Poland for short-term visits or tourism.
It remains strongly recommended by the Australian Department of Foreign Affairs and Trade because medical expenses and hospital care in Poland can be costly. Many hospitals require payment up-front and there is no reciprocal health agreement between Australia and Poland.
According to our data, 50% of travellers purchase travel insurance before going to Poland. This figure reflects Poland’s general safety but also the potential for high medical costs in case of emergency.
Why take out travel insurance for Poland?
It is an essential financial and medical protection for anyone going to Poland.
Health costs in Poland can be high, especially for foreign visitors. Private clinics in Warsaw, such as Medicover Hospital or Carolina Medical Center, often require up-front payment. In cities like Krakow or Gdansk, access to English-speaking medical staff is more likely in private facilities, where hospitalisation or surgery can quickly become expensive.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious issue.
Here are some examples of healthcare costs in Poland.
| Example of medical treatment | Cost at Medicover Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | PLN 4,900 (AUD 1,800) | up to PLN 500,000 (AUD 185,000) |
| I broke my tibia (X-ray, cast, and crutch rental) | PLN 3,000 (AUD 1,130) | up to PLN 500,000 (AUD 185,000) |
| I need to be repatriated | PLN 40,000 (AUD 14,800) | up to PLN 500,000 (AUD 185,000) |
| I have appendicitis (consultation and surgery) | PLN 12,000 (AUD 4,440) | up to PLN 500,000 (AUD 185,000) |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Poland cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalisation, consultations, and medical treatments for illness or accident while in Poland. For Poland, we recommend a reimbursement limit of at least AUD 250,000. |
| 💊 Emergency repatriation | Pays for transport to Australia in case of serious medical problem or accident. Select a policy with a reimbursement limit of at least AUD 120,000. |
| ✈️ Trip cancellation | Reimburses non-refundable expenses if you need to cancel or shorten your trip unexpectedly. We recommend a minimum cover of AUD 10,000. |
| 🧳 Lost or stolen luggage | Covers theft, loss, or damage to your baggage and personal belongings. Look for at least AUD 5,000 in coverage. |
| 🦷 Dental emergencies | Pays for urgent dental care following an accident. We recommend at least AUD 1,000 for dental emergencies. |
| 🚗 Rental car excess | Reimburses the excess fee charged by rental car companies in case of damage or theft. Consider at least AUD 4,000 in cover. |
| 🚑 Personal liability | Covers damages you may unintentionally cause to others. A cover of at least AUD 2,000,000 is recommended. |
| 🏔️ Search and rescue | Covers the costs of rescue operations if you get lost or injured in remote areas. Select a reimbursement limit of at least AUD 10,000. |
For Poland, we recommend a reimbursement limit of at least AUD 250,000.
Select a policy with a reimbursement limit of at least AUD 120,000.
We recommend a minimum cover of AUD 10,000.
Look for at least AUD 5,000 in coverage.
We recommend at least AUD 1,000 for dental emergencies.
Consider at least AUD 4,000 in cover.
A cover of at least AUD 2,000,000 is recommended.
Select a reimbursement limit of at least AUD 10,000.
Travel insurance from local providers or bank cards often includes limited protection, with lower limits and more exclusions. For your peace of mind, it is safer to choose a specialist insurer with broad coverage. Compare the top policies on HelloSafe and sign up online with immediate confirmation.
The cost of travel insurance for Poland
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 39 |
| 2 weeks | 45 years old | AUD 55 |
| 1 month | 35 years old | AUD 77 |
| 1 month | 70 years old | AUD 210 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
Your travel insurance cost for Poland depends on several key elements: your age, trip duration, chosen level of cover, any pre-existing medical conditions, and optional extras like cancellation. It’s crucial to consider these when comparing policies to ensure you get the right cover for your trip without any nasty surprises down the track.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Poland
Here are some suggestions to optimize the cost of your travel insurance to Poland while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | Premiums rise with longer stays. Most visits to Poland are under 30 days, so tailor your policy period. | Choose coverage only for the days you are in Poland. Adjust dates precisely to avoid overpaying. |
| 🧑 Traveller’s age | Insurers often raise prices for older travellers, but this varies by provider and is not always justified. | The insurer Heymondo does not increase its prices for people over 62. Compare age brackets on several platforms. |
| 👨👩👧👦 Number of travellers | Family and group policies may have lower average cost per person compared to individual plans. | Consider a group plan instead of buying individual coverage when travelling with others. |
| 🌍 Level of coverage | Higher coverage limits and extra options raise the price but may not always be necessary in Poland. | Choose only the coverage you need and skip superfluous extras to reduce your premium. |
| 🏥 Medical limits | Poland requires payment up-front for most care and private costs can be high, especially for serious events. | Select a plan with sufficient but not excessive medical coverage, recommended minimum is AUD 50,000. |
| 🧳 Deductibles | Higher deductibles lower premiums but mean higher out-of-pocket expenses if you file a claim. | Increase your deductible only if you can afford it in case of minor incidents in Poland. |
| 🕒 Policy type | Single-trip policies are usually cheaper than annual multi-trip ones for a short holiday in Poland. | Annual cover is only economical if you plan multiple international trips in a year. |
Can I rely on my current insurance to cover me in Poland?
It is completely legitimate to wonder whether your current cover—such as public or private health insurance, or credit card insurance—can protect you during a trip to Poland. Unfortunately, this coverage is often limited or insufficient.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Poland? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance | Never | No cover for health care, hospitalisation or repatriation abroad. | Travel insurance reimburses up to AUD 1,000,000 for medical costs, plus repatriation and personal liability. |
| Private health insurance | Limited coverage | Some hospital expenses and emergency care abroad, up to AUD 50,000. No baggage loss or travel disruption cover. | Travel insurance covers trip cancellation, lost luggage, and emergency evacuation, sometimes above AUD 1,000,000. |
| Classic credit card (ANZ, Westpac, CBA) | Limited coverage | Health and accident cover only if the trip was paid in full, capped at AUD 10,000. No repatriation. | Travel insurance provides greater health cover, 100% trip costs if cancelled, plus full repatriation rights. |
| Premium credit card (Platinum, Visa Infinite, Amex) | Limited coverage | Higher medical limits up to AUD 250,000, baggage up to AUD 5,000. No cover for pre-existing conditions. | Travel insurance includes pre-existing medical conditions and all activities, with much higher overall ceilings. |
Example
While skiing in Zakopane, Chloe had a serious fall, resulting in a complex leg fracture needing surgery. The total medical bill was AU$38,000. Her NAB debit card offered no cover, and her Australian health insurance didn't apply overseas. Without proper travel insurance, she was left to pay the entire amount upfront.
Expert advice
Your credit card or health fund often won't cover trip interruptions for a family emergency. Always check your policy's fine print for exclusions to avoid nasty surprises overseas. For true peace of mind, it's safer to get dedicated travel insurance tailored specifically for your trip.
FAQ
Do I need a visa to travel to Poland?
Australian citizens do not need a visa to visit Poland for up to 90 days within any 180-day period, in line with Schengen area rules. You must hold a valid Australian passport with at least three months’ validity beyond your planned departure from the Schengen area. Additional entry requirements may apply if you plan an extended stay.
How do I purchase travel insurance for Poland?
First, use the HelloSafe travel insurance comparison tool to compare available plans. Next, check policy covers and exclusions, especially for medical care and travel disruptions specific to Poland. Once satisfied, buy your chosen plan online. You will receive your insurance certificate immediately after purchase.
Are there specific health risks I should be aware of in Poland?
While health conditions in Poland are similar to Australia, air pollution can be very high in winter, which may affect travellers with respiratory or heart issues. Tick-borne encephalitis is a year-round risk, mainly in spring and autumn, and measles occur occasionally. Ensure your vaccinations are up to date before departure.
Does Australian Medicare or private health insurance cover me in Poland?
Australian Medicare does not provide any coverage abroad, including Poland. Some Australian private health insurance policies may offer limited coverage for overseas hospitalisation or emergencies, but generally with low limits and significant exclusions. Comprehensive travel insurance is advised for reliable protection while in Poland.
What should I do if I lose my passport or require consular help in Poland?
If you lose your passport or need urgent consular support, contact the Australian Embassy in Warsaw for assistance. The emergency number is +61 2 6261 3305. It is a good idea to register your travel with the embassy prior to your trip for faster assistance and access to important local information.
Are there any safety tips for Australians visiting Poland?
Poland is considered safe for travellers, but you should use only official taxis, carry your passport when crossing borders, and avoid displaying public affection if you are part of the LGBTQIA+ community due to possible discrimination. In bars and nightclubs, be cautious of drink spiking and follow local alcohol laws.
Do I need a visa to travel to Poland?
Australian citizens do not need a visa to visit Poland for up to 90 days within any 180-day period, in line with Schengen area rules. You must hold a valid Australian passport with at least three months’ validity beyond your planned departure from the Schengen area. Additional entry requirements may apply if you plan an extended stay.
How do I purchase travel insurance for Poland?
First, use the HelloSafe travel insurance comparison tool to compare available plans. Next, check policy covers and exclusions, especially for medical care and travel disruptions specific to Poland. Once satisfied, buy your chosen plan online. You will receive your insurance certificate immediately after purchase.
Are there specific health risks I should be aware of in Poland?
While health conditions in Poland are similar to Australia, air pollution can be very high in winter, which may affect travellers with respiratory or heart issues. Tick-borne encephalitis is a year-round risk, mainly in spring and autumn, and measles occur occasionally. Ensure your vaccinations are up to date before departure.
Does Australian Medicare or private health insurance cover me in Poland?
Australian Medicare does not provide any coverage abroad, including Poland. Some Australian private health insurance policies may offer limited coverage for overseas hospitalisation or emergencies, but generally with low limits and significant exclusions. Comprehensive travel insurance is advised for reliable protection while in Poland.
What should I do if I lose my passport or require consular help in Poland?
If you lose your passport or need urgent consular support, contact the Australian Embassy in Warsaw for assistance. The emergency number is +61 2 6261 3305. It is a good idea to register your travel with the embassy prior to your trip for faster assistance and access to important local information.
Are there any safety tips for Australians visiting Poland?
Poland is considered safe for travellers, but you should use only official taxis, carry your passport when crossing borders, and avoid displaying public affection if you are part of the LGBTQIA+ community due to possible discrimination. In bars and nightclubs, be cautious of drink spiking and follow local alcohol laws.
