High Tatras
Reviews guide · Updated 4 October 2026

EKTA travel insurance review: is it worth it for Slovakia?

Quick answerEKTA travel insuranceShort trips where a basic medical policy is the aim
Get a quote from EKTA

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Type
Online travel insurance
Plans
Start, Gold, Max+ (stated)
Underwriter
IC Auras Insurance (stated)
Check
Claim notice rules

EKTA can work as a low-cost, quick-to-buy medical policy for a short Slovakia trip, but read the claim rules and exclusions closely before paying. It is an online travel insurance provider with tiered plans, and its public reviews are mixed. Taply has not bought or claimed on an EKTA policy; this review is based on EKTA's own site and third-party reviews.

Below: what EKTA is, how plans are structured, the points that draw complaints, and who should consider something else.

Top picks at a glance

1
EKTA travel insuranceReviewed here
Check prices
2
EHIC or GHIC health cardFree baseline
3
Annual multi-trip policy from your home insurerFrequent travellers
4
Credit card travel coverBackup option

Key takeaways

  • EKTA sells online travel insurance in three tiers: Start, Gold and Max+, according to its site.
  • Its site names IC Auras Insurance LLC, licensed in the Union of Comoros, as the insurer, so it is not a Slovak or EU-regulated insurer.
  • Public reviews raise a 24-hour claim notification rule and unclear cancellation cover.
  • EU and UK visitors should also compare EHIC or GHIC and their home insurer.

EKTA and alternatives for a Slovakia trip, ranked

  1. Our top pick
    1

    EKTA travel insurance

    Reviewed here

    Best for: Short trips where a basic medical policy is the aim

    EKTA sells short-trip travel insurance online with medical cover, emergency transport, baggage and other benefits, depending on the plan. Limits and deductibles differ by tier, so compare them for your trip and activities.

    • Fast online purchase, with the policy emailed after payment
    • Three plan levels
    • Options for active trips, per its site
    • Underwriter is based outside the EU
    • Mixed public reviews on claims
    • Check exclusions and notice rules
    • Underwritten by an insurer licensed outside the EU (Union of Comoros); read the policy wording
    Get a quote from EKTA
  2. 2

    EHIC or GHIC health card

    Free baseline

    Best for: A baseline for EU and UK residents

    EU citizens can carry the European Health Insurance Card and UK residents the GHIC, which give access to state-provided care in Slovakia on the same basis as locals. It does not replace insurance.

    • Free to obtain
    • State-provided care
    • No repatriation or evacuation
    • Does not cover private clinics or cancellation
  3. 3

    Annual multi-trip policy from your home insurer

    Frequent travellers

    Best for: Frequent European travellers

    If you travel several times a year, a multi-trip policy from a home insurer can be better value than single-trip cover. Check that it covers Europe and your activities.

    • One policy for many trips
    • Often includes cancellation
    • Trip length limits apply
    • Higher upfront cost
  4. 4

    Credit card travel cover

    Backup option

    Best for: Cardholders who want a backup

    Some premium cards include travel insurance if you pay for the trip with the card. Limits and exclusions vary widely.

    • No extra cost if included
    • Often limited medical cover
    • Many exclude winter sports

What EKTA is

EKTA Traveling describes itself as a digital travel insurance provider. Its site says the policies are issued through IC Auras Insurance LLC, a licensed insurer regulated in the Union of Comoros. That matters for you in practice: it is not an EU-supervised insurer, so the consumer protections you might expect from a Slovak, German or UK policy may differ. Check who the insurer is on the policy document before you pay.

Plans and what to compare

EKTA lists three tiers: Start, Gold and Max+. According to its site, they differ in the medical limit (stated as up to 50,000, 150,000 and 500,000 US dollars respectively) and in the deductible, with Start carrying a percentage deductible. Plans mention medical care, emergency transport, baggage loss, flight delay and liability, but benefits vary by tier. Daily prices change, so get a live quote.

Compare these points with any insurer: medical limit, deductible, repatriation, activities covered, cancellation cover, and the claim notice period. For mountain trips, see hiking insurance for the High Tatras and ski insurance for Slovakia.

How buying and claiming work

  1. Enter destination, dates and traveller details, and the type of trip (calm, active, sport or extreme, per its site).
  2. Pick a plan and pay. The policy is emailed.
  3. If something happens, read the claim steps in the policy first. Notify the insurer within the stated time.
  4. Keep medical reports, receipts and proof of payment.

Public reviews report that claims were refused for not notifying within 24 hours. Whatever you buy, save the claim contact number in your phone and note the deadline.

What users commonly say

At the time of writing, EKTA's Trustpilot page shows mixed to negative feedback, with a small number of positive reviews mentioning quick payment for a genuine medical claim. Common complaints cover claim denials tied to the 24-hour notice rule, policies that lacked cancellation cover the buyer expected, slow reimbursement and unclear exclusions. One note on that Trustpilot page also says its website has closed for new reviews. Read the latest reviews yourself, and treat the rating as a snapshot.

Who should consider EKTA for Slovakia, and who should skip

EKTA can suit a short city break or a low-risk trip where you want a basic medical policy and understand the terms. Skip it, or compare more, if you need trip cancellation cover, an EU-regulated insurer, or cover for skiing or higher-risk hiking. Our travel insurance for Slovakia guide and insurance for non-EU visitors explain the basics. Slovakia's mountains also have rescue costs, so cover limits matter; see High Tatras.

Slovakia pages where EKTA is our pick

EKTA appears on travel insurance Slovakia, hiking insurance High Tatras, ski insurance Slovakia, the Rysy hike and skiing in Slovakia.

Frequently asked questions

Is EKTA legit?

EKTA is an operating online insurance seller, but its insurer is listed as licensed in the Union of Comoros and public reviews are mixed. Read the policy and reviews before buying.

Does EKTA cover hiking in the Tatras?

It offers options for active trips, but exclusions apply. Check the activity rules and altitude limits in the policy wording.

Does EKTA include trip cancellation cover?

Reviewers say some buyers expected cancellation cover that was not included. Check the exact plan benefits before paying.

What is the claim notice rule?

Public reviews mention a 24-hour notification rule. Confirm the current deadline in the policy.

Do I need insurance in Slovakia?

EU and UK card holders get state care, but not repatriation or mountain rescue. Insurance is a good idea, especially for hiking and skiing.

Photo: High Tatras · Unknown · CC BY-SA 3.0

Related guides

EssentialsTravel insurance for Slovakia: what you needTravel insurance for Slovakia explained: who needs it, what to cover for city breaks, hiking and skiing, and how to compare a quote with EKTA.EssentialsHiking insurance for the High Tatras: what you needHiking in the High Tatras? Slovak mountain rescue (HZS) charges for rescues unless you are insured. See what cover to buy and what to check first.EssentialsSki insurance for Slovakia: what to buySkiing in Slovakia? See what ski insurance should cover, why off-piste and rescue costs matter, and where to get a quote before you travel.EssentialsTravel insurance for non-EU visitors to SlovakiaVisiting Slovakia from the US, UK, Canada or Australia? See why you need travel medical insurance, Schengen visa rules and where to get a quote.High TatrasRysy hike from Štrbské Pleso: route, chains and seasonRysy hike from Štrbské Pleso: route, chains, difficulty, season (mid June to October), how long it takes, what to carry and safety advice.EssentialsSlovakia travel tips for first-time visitorsSlovakia travel tips for first-time visitors: money, transport, SIM cards, language, mountains, luggage and what to book before you go.

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