A single trip or an annual pass, family holiday or business travel, skiing or diving – the differences hide in the limits and the exclusions. Calculate online, or ask before departure.
🎮 Suitcase Alert – don’t leave the ski cover behind!
One hospital day abroad can run into millions of forints – the limit is not a marketing question.
Ski, diving, high-altitude trekking: separate switches – hiking below the altitude limit (typically 3,000–3,500 m) on the marked route is usually already included in the base package.
Online calculation and purchase, even on the day of departure – the start of cover is governed by the policy terms; cancellation cover, however, must already be taken out at the time of booking.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
The EHIC entitles you to publicly funded emergency care in the EU – it typically won't cover repatriation, private care, baggage or cancellation. Together, they're the answer.
Read more →Emergency medical cover is travel insurance's most important element – size the limit to your destination's healthcare costs, not the price. The logic, without numbers.
Read more →In travel insurance, skiing typically needs an add-on: piste rescue, helicopters, ski equipment, liability – what does it switch on, and what's left out without it?
Read more →Cancellation cover pays for documented, provable reasons: illness with a specialist's report, accidents, home damage – not a change of heart or flight cancellations.
Read more →Save it to your phone: the steps for when something goes wrong abroad, on a single card – hotline, what to say, what to photograph, what not to do.
Read more →For several regular trips, the annual pass is typically the better value – the break-even point depends on the premiums, the length of the trips and the territorial scope, so it is worth working it out when you request a quote.
Read more →Above 2–3 trips a year the annual policy is typically better value – and you don't need to arrange cover trip by trip; the annual policy provides cover for trips that fall within its own territorial scope, its per-trip day limit (typically 15–30–60 days) and its sport classification.
Medical care abroad is the biggest item: one hospital day or a repatriation can run into millions of forints. The limit and the quality of the assistance service matter more than a few hundred forints of premium difference.
These are separate switches: sport and extreme-sport cover must be requested up front and cannot be added afterwards. It takes a minute before departure – too late once you are out there.
Often a good base, but check the limits, deductibles and exclusions – especially for sport and longer trips. On request I compare your card’s cover with a standalone policy.
Yes: an annual corporate frame can be taken out, which covers reported assignments according to the contract's territorial scope, day limit and activity classification – no per-trip policy is needed. We tailor the frame to your typical destinations (the USA and Canada are a separate category, as is physical work); mention the corporate need when requesting a quote.
More aids – checklists and guides – on the Resources page.
Melcsi has packed, Emánuel waves: safe travels – the cover is already in the bag.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
utas.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
