What Does GPI Travel Insurance Cover in Georgia?

GPI mandatory travel insurance is designed for sudden illness or an accident occurring while the policy is valid in Georgia. The product includes emergency medical assistance, urgent outpatient treatment, emergency hospitalisation, urgent dental treatment, medical evacuation, and repatriation.

The official GPI page states an overall limit of up to 100 000 GEL. This is the maximum aggregate amount under the product, not an unconditional promise to pay for any service. Separate limits, conditions, and exclusions apply to specific types of assistance as set out in the contract and policy.

The main practical rule is to contact the GPI medical assistance line first at +995 32 2 505 111. If assistance is received without the required notification and there was no objective reason for the delay, the expenses may not be reimbursed.

Emergency medical assistance includes dispatching a medical team, providing assistance at the scene and, if necessary, transportation to the nearest appropriate medical facility. Coverage applies to situations that meet the definition of an insured event and the conditions of the specific policy.

Urgent outpatient care is intended for situations where the person can be treated without staying in hospital for more than 24 hours. The GPI contract lists doctor's consultations, laboratory and instrumental examinations, necessary medical procedures, and medicines for the urgent conditions covered by the contract.

The contract contains a specific list of conditions and services. Feeling generally unwell by itself does not guarantee that all examinations will be covered. Medical prescriptions, the diagnosis, and supporting documents must confirm the medical necessity of the treatment or examination.

Emergency hospitalisation applies to acute conditions where delaying treatment would be life-threatening. Covered expenses may include diagnostics, medicines, therapeutic or surgical treatment. The company assesses whether the case corresponds to the list of conditions and medical indications specified in the contract.

Hospitalisation resulting from an accident is considered separately. The external cause, time of the event, connection between the injury and the accident, and medical documentation are important. An exclusion may apply when participating in dangerous sports or competitions.

Under the GPI terms, urgent dental care is described as first aid for an acute condition. The contract mentions tooth extraction, local anaesthesia, and necessary X-rays. Planned treatment, prosthetics, and cosmetic dentistry do not become insured events simply because the person is travelling.

Medical evacuation means the urgent transportation of an insured person from the place of an accident or from one medical facility to another and, for a foreign citizen under the applicable conditions, to Tbilisi International Airport. The route and necessity of the transportation must be agreed with the insurance company.

Under this product, repatriation refers to transporting the body of a deceased person to Tbilisi International Airport if death occurred as a result of a covered accident or sudden illness during the policy period. It is not a promise to transport the body to any city in another country.

GPI may not cover evacuation or repatriation arranged independently without prior approval. In a serious situation, first ensure the person's safety, then involve the insurance company in arranging further assistance as soon as possible.

The overall limit of up to 100 000 GEL represents the insurer's aggregate liability for covered events during the policy period. There are sub-limits within this amount. For example, outpatient care, hospitalisation, dental care, and transportation do not automatically receive the full overall amount.

In addition to the limit, a deductible, the customer's share of costs, a daily hospitalisation limit, or a specific list of covered diagnoses may apply. The current figures should be taken from the issued policy and the attached terms and conditions. If the advertising page and the insurance document differ, the insurer will rely on the contract when determining whether a claim is payable.

For travellers over 75 years of age, the GPI contract provides narrower coverage: reimbursable expenses are limited to those listed in the contract and related to an accident, including the specified assistance, evacuation, or repatriation. Therefore, age must be stated accurately, and the issued document should be checked before payment.

The contract does not cover everything related to health. Important limitations include pre-existing chronic and oncological conditions, travel undertaken for medical treatment, planned examinations, pregnancy and childbirth, long-term rehabilitation, alternative treatment, and a number of other conditions.

For pre-existing conditions, the terms provide a narrow provision for emergency assistance in the event of an immediate threat to life. This does not mean full coverage of treatment for a chronic condition. Further treatment after the condition has stabilised may not be covered.

Events involving alcohol or drug intoxication, intentional self-harm, dangerous professional and amateur sports, war, terrorism, nuclear exposure, and certain other extraordinary circumstances are also excluded or subject to limitations.

• do not treat the overall limit as unlimited medical coverage;
• check coverage for chronic conditions and medicines;
• clarify sports-related risks before travelling;
• do not begin treatment without notifying the insurance company;
• do not arrange evacuation independently without prior approval;
• keep medical records and receipts.

Call the GPI medical assistance line and provide the insured person's name, policy number, what happened, your location, and the medical facility you have contacted. The operator will explain whether you can be directed to a partner facility and how payment will be arranged.

At a GPI partner clinic, GPI pays directly for the covered portion of the services. At a non-partner clinic, the patient generally pays for the services themselves and then submits the documents for reimbursement within 30 days. For dental treatment, X-rays taken before and after the assistance are additionally required.

If there is an immediate threat to life or safety, call 112. Georgia's emergency service dispatches an ambulance, police, or rescue services. The insurance company determines the insurance coverage, but it does not replace the state's emergency response service.