Travel insurance — Spain

[1] Medical expenses: €75,000 ↩

Payment or reimbursement of medical, surgical, pharmaceutical and hospitalisation costs incurred during travel abroad, up to €75,000. Medical costs incurred in Spain are covered up to €300 with a €50 deductible per claim. Coverage includes expenses arising from epidemic or pandemic diseases such as COVID-19, provided the insured did not travel against official government advice.

ALLIANZ TRAVEL tomará a su cargo el pago o reembolso de los gastos médicos, quirúrgicos, farmacéuticos y de hospitalización originados, es decir los provocados y producidos durante un viaje en el extranjero, hasta el límite de 75.000 €.

[2] Medical transport: Covered ↩

Allianz Travel organises and covers the cost of medical transport from the location of the incident to the nearest or most appropriate hospital, or to the insured's home if hospitalisation is not required. The mode of transport is decided by Allianz Travel's medical team based on medical necessity. No explicit monetary limit is stated for medical transport in the policy; costs are covered as organised by Allianz Travel.

decidirá su transporte sanitario, organizándolo desde el lugar donde el Asegurado se encuentre hasta el centro hospitalario más próximo o adecuado para su estado de salud o hasta su domicilio, cuando no necesite hospitalización.

[3] COVID-19 treatment: €75,000 ↩

Medical, surgical, pharmaceutical and hospitalisation expenses arising from the diagnosis of an epidemic or pandemic disease such as COVID-19 are covered within the overall medical expenses limit of €75,000, provided that the insured did not travel against the advice of the Government of their country of origin or against the advice of the relevant Local Authority at the travel destination. Coverage for illness prolongation of hotel stay and repatriation for COVID-19 is also expressly included.

De los gastos anteriormente mencionados, quedan también cubiertos aquellos que se hayan derivado del diagnóstico de una enfermedad epidémica o pandémica como el COVID-19, siempre que el Asegurado no hubiera realizado su viaje contra el consejo del Gobierno de su país de origen o contra el consejo de la Autoridad Local correspondiente en su destino de viaje.

[4] Personal liability: €30,000 ↩

Civil liabilities incurred by the insured for personal and/or property damage caused involuntarily to third parties as a result of accidental events during travel are covered up to a maximum of €30,000 (with a €90 deductible). This limit includes court costs and legal fees, as well as judicial bail bonds required of the insured. Excluded: liability from motor vehicles, aircraft or watercraft; professional activities; contractual liability; professional sports; damage to borrowed/rented items; damage to family members or co-insured; acts of bad faith.

Quedan garantizadas las responsabilidades civiles en que incurra el Asegurado por los daños y perjuicios personales y/o materiales que cause involuntariamente a terceros en su persona, animales o cosas y que sean consecuencia de hechos accidentales ocurridos durante el transcurso de un viaje, hasta el límite máximo de 30.000 € (franquicia 90 €).

[5] Emergency dental: €60 ↩

Payment or reimbursement of emergency dental costs caused by infection, trauma or pain requiring urgent treatment, up to a maximum of €60, only outside the insured's country of habitual residence. Dental expenses in the country of residence and non-urgent dental treatment are excluded.

ALLIANZ TRAVEL tomará a cargo el pago o reembolso de los gastos odontológicos que por infección, trauma o dolor, requieran un tratamiento de urgencia, siempre que se produzcan fuera del país de residencia habitual hasta el límite máximo de 60 €.

[6] Search & rescue: Excluded ↩

Search and rescue of persons at sea, in the mountains or in desert areas is explicitly excluded under the general exclusions of the Assistance-Repatriation guarantee (exclusion 11). This applies to the Vacaciones Asistencia Estándar product.

La búsqueda y rescate de personas en mar, montaña o zonas desérticas.

[7] Legal assistance: €600 ↩

If the insured needs to hire a lawyer for legal defence outside their country of habitual residence, and the alleged acts are not subject to criminal penalty under local law, Allianz Travel reimburses attorney fees up to €600. Excluded: matters related to the insured's professional activities, use or custody of a motor vehicle, and contractual liabilities. This is an ancillary travel assistance benefit, not a legal expenses insurance policy.

ALLIANZ TRAVEL le reembolsará los honorarios de su abogado hasta el límite de 600 €.

[8] Emergency medical treatment: €75,000 ↩

Emergency medical treatment costs (doctor visits, urgent procedures, surgical interventions) abroad are covered within the overall medical expenses limit of €75,000. Allianz Travel coordinates contacts between its medical team and the treating physician to provide adequate medical assistance.

ALLIANZ TRAVEL tomará a su cargo el pago o reembolso de los gastos médicos, quirúrgicos, farmacéuticos y de hospitalización originados, es decir los provocados y producidos durante un viaje en el extranjero, hasta el límite de 75.000 €.

[9] Hospitalization: €75,000 ↩

Hospitalisation costs abroad are included within the overall medical expenses limit of €75,000. In Spain, hospitalisation costs are covered up to €300 with a €50 deductible. If hospitalisation lasts more than 5 days (3 days for minors or disabled persons) and the insured is alone, Allianz covers a return ticket and hotel accommodation (up to €75/day for up to 6 days) for one accompanying person.

Igualmente, quedarán cubiertos los gastos médicos, quirúrgicos, farmacéuticos y de hospitalización producidos en España hasta el límite máximo de 300 € con una franquicia a cargo del Asegurado de 50 € por siniestro.

[10] Outpatient treatment: €75,000 ↩

Outpatient medical and pharmaceutical costs abroad are covered within the overall medical expenses limit of €75,000. In Spain, outpatient costs are covered up to €300 with a €50 deductible per claim, and expenses below €50 in Spain are excluded.

Igualmente, quedarán cubiertos los gastos médicos, quirúrgicos, farmacéuticos y de hospitalización producidos en España hasta el límite máximo de 300 € con una franquicia a cargo del Asegurado de 50 € por siniestro.

[11] Medical evacuation: Covered ↩

In case of medical urgency and gravity, Allianz Travel organises and covers medical evacuation or repatriation of the insured from the destination to the nearest appropriate hospital or to the insured's home when medically necessary. Repatriation to the insured's home is covered only when medically required. No explicit monetary cap is stated; Allianz Travel covers the full cost of organised evacuations.

ALLIANZ TRAVEL, única y exclusivamente tomará a cargo la repatriación del Asegurado hasta su domicilio en caso de que sea médicamente necesario.

[12] Repatriation of remains: €600 ↩

In the event of the insured's death due to accident or illness (including epidemic or pandemic diseases such as COVID-19), Allianz Travel covers the transport of the body from the place of death to the place of burial at the insured's habitual residence, plus the necessary preparation costs, up to a maximum of €600. If the family opts to bury the insured at the place of death, costs of burial up to €600 and one return ticket for a relative to attend are also covered.

Los gastos de transporte del cuerpo, desde el lugar del fallecimiento al de su inhumación en el lugar de residencia habitual, así como los gastos de acondicionamiento necesarios para dicho transporte hasta el límite máximo de 600 €.

[13] Pre existing conditions: Excluded ↩

Expenses arising from any pre-existing illness or condition, whether known or unknown to the insured, are explicitly excluded (exclusion 36). Also excluded are expenses from an illness or accident from which the insured had not recovered at the start of the trip, or which, in the opinion of Allianz Travel's medical team, was contraindicated for travel (exclusion 13). Costs arising from circumstances already existing and/or known to the policyholder/insured at the time of taking out the insurance are also excluded (exclusion 16).

Los gastos producidos por alguna enfermedad preexistente sea o no conocida por el Asegurado.

[14] Winter sports cover: Excluded ↩

Accidents arising from the practice of skiing or snowboarding are explicitly excluded (exclusion 9). Snowboard is also excluded. This product does not cover winter sports activities; a dedicated ski travel insurance product is available from Allianz Assistance.

Los accidentes producidos por la práctica del ski o snowboard.

[15] Adventure sports cover: Excluded ↩

A wide range of adventure and high-risk activities are explicitly excluded, including: windsurfing, kitesurfing, sailing, mountain biking, kayaking, canoeing, trekking, paintball, jet skis, paragliding, skydiving, snowboard, rafting, canoe-raft, hydrospeed, bungee jumping, mountaineering, rock climbing, alpinism, scuba diving, caving, abseiling (puenting), and any other activity considered high-risk. Professional sports in competition or training are also excluded. Sports expeditions by sea, mountain or desert are excluded.

Queda excluida la práctica de todo deporte a título profesional, remunerado o no remunerado, en competición o en entrenamientos preparatorios y las actividades de barranquismo, descenso de cañones, bungy jumping, montañismo, escalada, alpinismo, submarinismo, espeleología, puenting así como cualquier otra actividad considerada como de alto riesgo.

[16] Pregnancy complications: Excluded ↩

Expenses relating to any pregnancy complication are explicitly excluded (exclusion 33). Contraception and voluntary termination of pregnancy costs are also excluded (exclusion 29).

Los gastos relativos a alguna enfermedad crónica o alguna complicación del embarazo.

[17] Medical expenses: €5,000,000 ↩

Covers medical-surgical, pharmaceutical and hospitalization expenses abroad. The insured sum (aggregate capital per modality) varies: Annual Renewable up to 250,000 EUR; Temporal Estudios up to 250,000 EUR; Temporal Ocio up to 5,000,000 EUR. These are aggregate modality capitals covering medical, cancellation and baggage combined; no standalone medical sub-limit is stated in available sources. No deductible applies.

Seguro Anual Renovable: Hasta 250.000 €. Seguro Temporal de Estudios: Hasta 250.000 €. Seguro Temporal de Ocio: Hasta 5.000.000 €.

[18] Medical transport: Covered ↩

Transfer to the nearest hospital with medical assistance is covered for insureds who suffer an accident or serious illness during the trip. When the traveller cannot continue the journey unaided, AMA arranges transfer to the insured's home or to a hospital in Spain.

Repatriación o traslado sanitario: Queda cubierto el traslado hasta el centro hospitalario más próximo, con atención médico sanitaria al asegurado que haya sufrido un accidente o por enfermedad grave en el transcurso del viaje. Cuando el viajero no pueda proseguir su viaje por sus propios medios, el Asegurador realizará el traslado hasta su domicilio o residencia o hasta un centro hospitalario en España si fuera necesario.

[19] COVID-19 treatment: Conditional ↩

In the event of a state of alarm declaration, border closure or medical quarantine, accommodation costs for an unforeseen trip extension are covered. This applies to trips of maximum 30 days abroad and is subject to policy limits. Medical treatment for COVID-19 is covered as part of the general medical assistance where the illness is not pre-existing.

[20] Personal liability: Covered ↩

The policy covers the insured's personal civil liability for own acts within the scope of private activities during a trip abroad. Available in all modalidades except Temporal Familiar (where it is not listed). Specific capital limits are defined in the Particular Conditions.

[21] Emergency dental: Covered ↩

Emergency dental expenses resulting from acute dental problems such as infections, pain and trauma occurring abroad are covered. Specific monetary limits apply and are defined in the Particular Conditions.

Gastos odontológicos de urgencia a consecuencia de problemas odontológicos agudos como infecciones, dolores y traumas acaecidos en el extranjero.

[22] Search & rescue: See details ↩

Search and rescue costs are not mentioned as a covered benefit in any of the reviewed official sources for this product.

[23] Legal assistance: Covered ↩

Advance of bail bonds for hospitalization and legal/court costs abroad are covered. Specific monetary limits are defined in the Particular Conditions.

Anticipo de fianzas y gastos procesales en el extranjero como consecuencia de un procedimiento judicial con motivo de un accidente de automóvil acaecido fuera del país de domicilio o residencia si el asegurado precisara prestar fianza para obtener su libertad provisional o efectuar provisión de fondos para atender los gastos de defensa penal.

[24] Emergency medical treatment: Covered ↩

AMA deploys its full international structure to provide the necessary medical and surgical care in case of serious illness or accident during the trip abroad, including prescribed medications. Specific monetary sub-limits are set per policy contract and not disclosed in publicly available sources.

A.M.A. cubre la asistencia médico-quirúrgica, farmacéutica y/o hospitalización en el extranjero a poner a disposición de sus viajeros asegurados toda su estructura internacional a fin de prestar los servicios necesarios para procurar la atención médica y quirúrgica en caso de enfermedad grave o accidente incluyendo los fármacos que le sean prescritos por los facultativos indicados.

[25] Hospitalization: Covered ↩

Hospitalization expenses abroad are covered as part of the medical-surgical assistance. Administrative procedures for hospital admission are also handled by AMA. If hospitalization exceeds 5 days, travel and accommodation costs for a companion are covered. Specific monetary limits are defined in the Particular Conditions.

Gastos de desplazamiento, estancia y regreso de un acompañante al extranjero: Si el Asegurado debe permanecer hospitalizado durante un periodo superior a 5 días se garantiza que un allegado pueda desplazarse (ida y vuelta) a estar con el viajero en su periodo de hospitalización.

[26] Outpatient treatment: Covered ↩

Outpatient medical and surgical care is covered as part of the comprehensive medical assistance abroad (serious illness or accident). Remote medical consultation and advisory services are also included. Specific outpatient sub-limits are not stated in available public sources.

Consulta o asesoramiento médico a distancia en el extranjero.

[27] Medical evacuation: Covered ↩

Repatriation or sanitary transfer to Spain is covered. If the insured's condition does not permit repatriation, a specialist physician may be dispatched abroad. Specific monetary limits are defined in the Particular Conditions.

Envío de médico especialista al extranjero si el estado del asegurado no permitiera la repatriación y la asistencia que le pueda ser prestada localmente no fuera suficientemente idónea a juicio de los médicos del asegurador enviando un médico especialista al lugar donde se encuentre el asegurado hasta que se pueda proceder a su repatriación.

[28] Repatriation of remains: Covered ↩

Transfer costs for mortal remains and the travel and accommodation costs for a companion of the deceased are covered in case of death during the trip abroad.

[29] Pre existing conditions: Excluded ↩

Pre-existing and/or congenital diseases, chronic conditions or ailments under prior medical treatment before the start of the trip are explicitly excluded, including their sequelae resulting from accidents or illnesses that occurred or manifested before the insured's inclusion date.

[30] Winter sports cover: See details ↩

Winter sports coverage is not mentioned in any of the reviewed official sources for this product.

[31] Adventure sports cover: See details ↩

Adventure sports coverage is not mentioned in any of the reviewed official sources for this product.

[32] Pregnancy complications: See details ↩

Pregnancy complications coverage is not explicitly mentioned in any of the reviewed official sources for this product.

[33] Medical expenses: €2,000 – €250,000 ↩

ARAG covers all costs of healthcare professionals and facilities required to treat the insured when ill or injured, always subject to prior approval by ARAG's medical team except in emergencies. Covered services include emergency medical teams, complementary medical examinations, hospitalisation, medical treatments and surgical interventions, and supply of medicines during inpatient stay. Coverage varies by territorial scope: Spain 2,000 EUR (extendable to 5,000 EUR), Europe and Mediterranean countries 100,000 EUR (extendable to 250,000 EUR), Worldwide 150,000 EUR (extendable to 250,000 EUR).

Asistencia médica y sanitaria* - España 2.000 € (ampliable a 5.000 €) - Europa y países ribereños del Mediterráneo 100.000 € (ampliable a 250.000 €) - Mundo 150.000 € (ampliable a 250.000 €)

[34] Medical transport: Unlimited ↩

ARAG covers the full cost of repatriation or medical transport of injured or ill insured persons. This includes ambulance transfer to the nearest clinic or hospital, coordination by ARAG's medical team, and transport (by the most appropriate means) to the prescribed hospital or habitual residence. The transport method is decided by ARAG's medical team based on urgency and severity. A specially conditioned medical aircraft may be used exclusively in Europe and always at the discretion of ARAG's medical team.

a) Los gastos de traslado en ambulancia hasta la clínica u hospital más próximo.

[35] COVID-19 treatment: €2,000 – €250,000 ↩

COVID-19 is covered under the general medical and healthcare assistance guarantee, within the same limits applicable by territorial scope. The GO WORLD IPID explicitly lists COVID-19 diagnostic test expenses, extended hotel stays due to mandatory medical quarantine by COVID-19, and early return due to border closures as covered events.

Gastos prueba diagnóstico del Covid-19 durante viaje.

[36] Personal liability: €60,000 ↩

The supplementary personal civil liability guarantee covers monetary indemnities that the insured may be required to pay as civilly responsible for involuntary bodily or material damage caused to third parties during the trip, up to 60,000 EUR. This limit includes court costs and judicial guarantees. Excluded: liability from driving motor vehicles, aircraft or vessels, professional activities, fines, and professional sports practice. A separate civil liability limit of 60,000 EUR also applies for teachers, tutors or monitors.

El Asegurador tomará a su cargo, hasta el límite indicado en las Condiciones Particulares, las indemnizaciones pecuniarias, que sin constituir sanción personal o complementaria de la responsabilidad civil, puedan exigirse al Asegurado con arreglo a los Artículos 1.902 a 1.910 del Código Civil...

[37] Emergency dental: €250 ↩

Coverage for acute dental problems caused by infection or trauma requiring emergency treatment, up to a maximum of 250 EUR (limit from official Viajeros Plus coverage table). In the GO WORLD product distributed via Intermundial, the dental limit is 150 EUR. ARAG covers intervention costs up to the contracted limit; individual dental expenses are limited to 30 EUR per incident per insured in certain versions.

Así mismo, y hasta el límite indicado en las Condiciones Particulares de la póliza, ARAG tomará a su cargo los gastos de la intervención de profesionales por problemas odontológicos agudos, entendiéndose por tales los que por infección o trauma, requieran un tratamiento de urgencia.

[38] Search & rescue: €3,000 ↩

ARAG guarantees rescue of injured insured persons, including helicopter participation if necessary, up to 3,000 EUR. Rescue of persons in the desert and/or at sea is explicitly excluded from the general exclusions. Note: the Viajeros Plus Negocios variant does not include rescue coverage.

ARAG garantiza el rescate de los asegurados accidentados, incluso si hiciera falta con la participación de un helicóptero, hasta el límite máximo establecido en las Condiciones Particulares.

[39] Legal assistance: €3,000 ↩

ARAG guarantees defence of the insured's criminal liability before European courts in the context of private life and travel, up to 3,000 EUR. ARAG also reimburses criminal defence costs before non-European courts. Additional legal services include legal information abroad (connecting the insured with a lawyer), claims for damages in Europe, and claims for breach of purchase or service contracts with foreign companies in Europe.

ARAG garantiza la defensa de la responsabilidad penal del Asegurado, en los procesos que se le sigan ante tribunales europeos en el ámbito de su vida particular y con motivo del viaje o desplazamiento objeto del seguro.

[40] Emergency medical treatment: €2,000 – €250,000 ↩

Emergency medical treatment is covered within the general medical assistance guarantee. This includes attention by emergency medical teams, urgent surgical interventions, medical examinations and medication supply. ARAG's medical team determines the appropriate medical centre and treatment, except in cases of emergency or force majeure. Limits are identical to the general medical expenses coverage.

a) Atención por equipos médicos de emergencia.

[41] Hospitalization: €2,000 – €250,000 ↩

Hospitalisation, medical treatments and surgical interventions are expressly included within the general medical assistance guarantee. Medication is covered during inpatient stay. If the ARAG medical team determines a long-duration treatment (exceeding 60 days from diagnosis), ARAG will arrange transfer of the insured to their habitual residence. Limits fall within the overall medical expenses coverage by territorial scope.

c) Hospitalizaciones, tratamientos médicos e intervenciones quirúrgicas.

[42] Outpatient treatment: €2,000 – €250,000 ↩

Outpatient treatment costs are covered within the general medical assistance guarantee, including reimbursement of medication costs for illnesses or injuries not requiring hospitalisation. Ongoing medication for chronic processes is excluded. Limits are the same as the overall medical expenses coverage by territorial scope.

d) Suministro de medicamentos en internado, o reintegro de su costo en lesiones o enfermedades que no requieran hospitalización.

[43] Medical evacuation: Unlimited ↩

ARAG covers the full cost of medical evacuation, including use of a specially conditioned medical aircraft in Europe (at ARAG medical team's discretion). Outside Europe, the most appropriate transport means is arranged. If the insured is admitted to a hospital far from their residence, ARAG arranges and covers the subsequent transfer to their habitual residence once medically cleared.

Exclusivamente en Europa, y siempre a criterio del Equipo Médico de ARAG, podrá utilizarse un avión sanitario especialmente acondicionado.

[44] Repatriation of remains: Unlimited ↩

In the event of the insured's death during a trip, ARAG organises and covers all costs of transporting the body to the place of burial in Spain, including post-mortem preparation in accordance with legal requirements. Costs of burial and ceremony are excluded. ARAG also covers the return of other insured travelling companions who are unable to return by the originally planned means.

En caso de defunción de un Asegurado, ARAG organizará el traslado del cuerpo hasta el lugar de inhumación en España y se hará cargo de los gastos del mismo.

[45] Pre existing conditions: 10% of insured sum ↩

Chronic, congenital and/or pre-existing diseases and their consequences are generally excluded. However, in cases of vital emergency arising from an unforeseeable complication of a pre-existing, chronic or congenital condition, ARAG covers only the costs of initial emergency healthcare assistance performed within the first 24 hours of hospital admission. These emergency costs cannot exceed 10% of the sum insured for medical assistance.

En caso de urgencia vital como consecuencia de una complicación imprevisible de una enfermedad crónica, congénita o preexistente, ARAG se hará cargo únicamente de los gastos de una primera asistencia sanitaria realizada con carácter de urgencia y dentro de las primeras 24 horas a contar desde su ingreso en el centro hospitalario.

[46] Winter sports cover: Excluded ↩

Skiing and all other winter sports are expressly excluded from the standard ARAG Viajeros Plus coverage. Injuries or illnesses resulting from the practice of skiing and any other winter sports or adventure activities are not covered. A separate ARAG Esquiadores product exists specifically for ski coverage.

escalada alpina, escalada clásica, escalada solo integral, escalada en hielo, esquí, deportes de invierno, escuelas deportivas y asociaciones, espeleobuceo, espeleología a más de 150 metros de profundidad, espeleología en simas vírgenes, lancha rápida, luge, polo, rugby, trial, skeleton y cualquier otra actividad no aceptada expresamente por la Compañía.

[47] Adventure sports cover: Optional ↩

A wide range of non-professional recreational activities is included in the standard policy without surcharge (e.g. hiking, kayaking, surfing, golf, cycling, snorkelling, trekking up to 3,000m altitude). Additional adventure activities (e.g. white-water rafting, diving up to 20m depth, sport climbing, bungee jumping, trekking up to 5,000m altitude) can be added with a supplementary premium. Activities above 5,000m altitude, martial arts, motorsports, alpine climbing, bobsleigh, boxing, rugby and professional sports participation are expressly excluded.

Atletismo, actividades en gimnasio, actividades rancheras (capeas, etc.), baloncesto, barcos a motor (con conductor), paseos en bicicleta, canoa, curling, deportes de tiro / caza menor...

[48] Pregnancy complications: Excluded ↩

Childbirth and pregnancy expenses are excluded from coverage, with no exception for unforeseeable complications (exclusion 9.e).

Los tratamientos estéticos y el suministro o reposición de audífonos, lentillas, gafas, ortesis y prótesis en general, así como los gastos producidos por partos o embarazos y cualquier tipo de enfermedad mental.

[49] Medical expenses: €25,000 ↩

Covers medical and surgical fees, prescription pharmaceuticals, hospitalization, and orthotics/prosthetics required for urgent in-situ care, up to the limit in the certificate. For Spanish residents, the limit in Spain is 1,000 EUR. Online contracting via axa.es gives 3,000 EUR in Spain and 10,000 EUR outside Spain. The Mini variant includes medical expenses up to 25,000 EUR. Any individual fee or pharmaceutical expense under 10 EUR is excluded.

El Asegurador toma a su cargo, hasta el límite indicado en condiciones particulares y certificado de seguro, por hechos a consecuencia de un accidente o enfermedad sobrevenidos al asegurado

[50] Medical transport: Unlimited ↩

Covers ambulance transport to the nearest clinic or hospital, transfer to the most suitable hospital or habitual residence, and subsequent transfer home after discharge. The transport mode is chosen based on the insured's pathology. Air ambulance is available in Europe and Mediterranean countries; regular airline elsewhere. Obligations cease once the insured has returned home or been admitted to a facility within 25 km of their habitual residence.

En caso de sufrir el Asegurado una enfermedad o un accidente, el Asegurador se hará cargo: a) Del importe de los gastos de transporte en ambulancia hasta la clínica u hospital más cercano.

[51] COVID-19 treatment: €25,000 ↩

COVID-19 is treated as any other illness. Medical assistance, repatriation, and early return derived from COVID-19 non-preexisting illness contracted during the trip abroad are covered within the standard medical expenses limit.

Queda cubierta la Asistencia médica, Repatriación o Regreso Anticipado, derivados de enfermedades o problemas de salud no preexistentes acontecidos durante el viaje al extranjero, incluido COVID-19.

[52] Personal liability: Covered ↩

Covers monetary compensation the insured is obliged to pay as a private individual for unintentional bodily injury or material damage caused to third parties during the trip, up to the limit in the certificate. Includes court costs and judicial bonds. Excludes liability from professional activities, motor vehicles, aircraft and watercraft, and certain sports.

El Asegurador toma a su cargo, hasta el límite indicado en condiciones particulares y certificado de seguro las indemnizaciones pecuniarias, que con arreglo a los artículos 1.902 a 1910 del Código Civil... viniera obligado a satisfacer el asegurado, en su condición de persona privada, como civilmente responsable de daños corporales o materiales

[53] Emergency dental: €150 ↩

Covers emergency dental treatment abroad resulting from acute dental problems such as infections or trauma, up to the limit in the certificate. Implants, prosthetics, crowns, and endodontics are explicitly excluded.

Si a consecuencia de la aparición de problemas odontológicos agudos como infecciones, o traumas, el Asegurado requiere un tratamiento de urgencia, el Asegurador se hará cargo de los gastos inherentes al citado tratamiento hasta la cantidad indicada en las condiciones particulares y certificado de seguro. No quedarán cubiertos los gastos derivados de implantes, prótesis y fundas, así como endodoncias.

[54] Search & rescue: €5,000 ↩

Covers search and rescue costs incurred by public or private rescue services in case of loss or disappearance of the insured during the trip, up to 5,000 EUR per person (max 25,000 EUR per single claim). This coverage is only available under the optional Sports guarantee add-on; rescue at sea, mountain or desert is excluded from the base policy.

En caso de pérdida o extravío del asegurado ocurrido durante el viaje asegurado, el Asegurador se hará cargo de los importes que le fueran reclamados con motivo de su búsqueda, efectuada por los órganos públicos o privados de socorro, de la comunidad, hasta la cantidad máxima de 5000€ por persona con un máximo de indemnización de la presenta póliza y por un único siniestro de 25.000€.

[55] Legal assistance: Covered ↩

Provides telephone legal advisory (24h/365 days), connection to a Spanish-speaking lawyer abroad, criminal defense in negligent offences, non-contractual damage claims, and claims for breach of purchase and service contracts during temporary trips. Covers notarial fees, attorney fees, court costs, and judicial bonds up to the limit in the certificate. Minimum litigious amount of 300 EUR for judicial proceedings (except criminal defense).

Servicios de Asesoramiento Legal y de Defensa Jurídica que precisara el asegurado con ocasión y en las circunstancias de un desplazamiento temporal fuera del domicilio habitual

[56] Emergency medical treatment: €25,000 ↩

Emergency medical treatment resulting from accident or illness during the trip is covered, including surgical and medical fees, up to the policy limit specified in the certificate. The Mini variant covers up to 25,000 EUR in total medical expenses. Treatment is organized and authorized by the insurer's medical team in contact with the treating facility.

El Asegurador toma a su cargo, hasta el límite indicado en condiciones particulares y certificado de seguro, por hechos a consecuencia de un accidente o enfermedad sobrevenidos al asegurado: a) Los gastos y honorarios médicos y quirúrgicos.

[57] Hospitalization: €25,000 ↩

Hospitalization costs (minimum 24-hour admission or overnight stay with a main meal) are covered up to the overall medical expenses limit indicated in the certificate. Hospitalization in Spain for Spanish residents is subject to the 1,000 EUR in-Spain sub-limit.

c) Los gastos de hospitalización.

[58] Outpatient treatment: €25,000 ↩

Outpatient medical and surgical fees resulting from accident or illness during the trip are covered within the overall medical expenses limit in the certificate. Expenses below 10 EUR per item are excluded.

Cualquier tipo de honorarios o gasto médico o farmacéutico inferior a 10 €.

[59] Medical evacuation: Unlimited ↩

Emergency medical evacuation is included as part of the sanitary repatriation guarantee. When urgency and severity require it, evacuation by special air ambulance is arranged in Europe and Mediterranean countries; by scheduled airline elsewhere. AXA manages over 20,000 medical repatriations annually. Valid for displacements beyond 25 km from habitual residence (10 km in Balearic and Canary Islands).

Cuando la urgencia y gravedad del caso lo requieran, podrá realizarse la repatriación en avión sanitario especial si el paciente está en Europa y países ribereños del Mediterráneo. En cualquier otro lugar, se efectuará por avión de línea regular.

[60] Repatriation of remains: Unlimited ↩

Covers all formalities at the place of death and transport or repatriation of the deceased to the place of burial in the country of habitual residence. Also covers transport of insured companions to the burial location. Burial and ceremony costs are explicitly excluded.

El Asegurador se hará cargo de todas las formalidades a efectuar en el lugar del fallecimiento del Asegurado, así como de su transporte o repatriación hasta el lugar de su inhumación en su país de residencia habitual.

[61] Pre existing conditions: Excluded ↩

Diseases or injuries resulting from pre-existing, serious or chronic conditions with risk of worsening, as well as their complications and relapses, are explicitly excluded. A pre-existing or chronic condition is defined as any pathology whose symptoms began before the insurance was taken out, even if a definitive diagnosis has not yet been reached.

Las enfermedades o lesiones que se produzcan como consecuencia de enfermedades preexistentes, graves o crónicas, con riesgo de agravación, del asegurado, así como sus complicaciones y recaídas

[62] Winter sports cover: Optional ↩

Skiing, snowboarding, monoski and sledding are covered only when performed on correctly marked and signposted pistes, and only under the optional Sports guarantee add-on. Ski-related activities (skiing off-piste, Heliski) are excluded from the base policy and from the sports add-on.

Esquí, snowboard, monoski y trineo, siempre que se realicen en pistas de esquí correctamente marcadas y balizadas.

[63] Adventure sports cover: Optional ↩

Adventure and higher-risk sports such as scuba diving (up to depth of qualification, max 30m), surfing, windsurfing, sailing, archery, horse riding and similar are covered only under the optional Sports guarantee add-on. High-risk sports (alpinism, parachuting, hang gliding, boxing, rugby, martial arts, off-piste skiing, motor sports) remain excluded even with the add-on.

Submarinismo (buceo): profundidad según limite de cualificación del asegurado con un máximo de 30 metros o bajo la supervisión directa de un instructor cualificado.

[64] Pregnancy complications: Conditional ↩

Unforeseeable complications of pregnancy in the first seven months (up to 28 weeks of gestation) are covered, provided they are not related to pre-existing conditions. Childbirth and complications from the 7th month of pregnancy onwards are excluded. Voluntary termination of pregnancy is also excluded. Complications arising prior to policy subscription are excluded.

Los partos y embarazos, excepto complicaciones imprevisiblesen los primeros siete meses.

[65] Medical expenses: Covered ↩

Medical, surgical, hospitalization and pharmaceutical expenses prescribed by a physician due to unforeseeable illness or accident are covered both in Spain and abroad, up to the limit indicated in Condiciones Particulares (sections 1.1 and 1.2 of the CCGG).

el Asegurador se hará cargo de los siguientes gastos: gastos médicos, quirúrgicos, de hospitalización y/o farmacéuticos prescritos por un médico, hasta la cantidad máxima, por Asegurado, indicada en Condiciones Particulares.

[66] Medical transport: Covered ↩

The insurer covers all transport costs (regular aircraft, mobile unit, medical aircraft where applicable) to the nearest hospital and then to the insured's habitual domicile in Spain. The insurer's medical team decides the means and timing of transport; the insured must comply or coverage is suspended. Medical air transport (air ambulance) is limited to Europe and Mediterranean-border countries; beyond this zone only regular-line aircraft is covered. Cost limits are not specified in the general conditions — the insurer undertakes full organization and payment. Applies to both Integral and Prestige.

determinará la necesidad y medios más idóneos para su traslado al centro hospitalario más próximo y su posterior regreso al domicilio en España, utilizando al efecto un avión de línea regular, unidad móvil, avión sanitario, etc.

[67] COVID-19 treatment: Covered ↩

Neither the Integral nor the Prestige General Conditions contain a specific exclusion for COVID-19. As an unforeseeable illness, medical treatment for COVID-19 is covered under the general medical expenses guarantee (section 1.1/1.2), up to the limit set in Condiciones Particulares, consistent with the IPID's statement that medical assistance worldwide is guaranteed for unforeseeable illness or accident.

Le garantizamos asistencia médica en todo el mundo por enfermedad imprevisible o accidente.

[68] Personal liability: Covered ↩

The insurer guarantees compensation up to the amount indicated in Condiciones Particulares for personal and material damages (and their consequential losses) caused by the insured to a third party during a covered trip, subject to a deductible and exclusions (e.g. professional liability, motor vehicles, weapons).

el Asegurador garantiza una indemnización hasta la cantidad máxima indicada en Condiciones Particulares, por daños personales, materiales y/o sus perjuicios consecuenciales causados por el Asegurado a un tercero.

[69] Emergency dental: Covered ↩

Urgent dental care expenses abroad, strictly necessary to relieve pain, are covered up to the amount indicated in Condiciones Particulares (section 1.3 of the CCGG).

el Asegurador asumirá, hasta la cantidad máxima indicada en Condiciones particulares, los gastos estrictamente necesarios para aliviar el dolor.

[70] Search & rescue: Conditional ↩

Section 3.7 of both Integral and Prestige T&Cs states that the insurer covers search and rescue costs up to the maximum set in the Condiciones Particulares in case of accident, by civil or military rescue services or any official emergency organism. Only costs invoiced by an accredited operator are reimbursable. However, the General Exclusions (section 6 of Integral/Prestige CCGG) explicitly exclude rescues at sea, in caves/pits (simas), deserts or mountains — unless in the latter two cases the insured is using established public roads. The IPID also expressly lists sea/cave/desert/mountain rescues as not covered. This coverage therefore only activates in very limited circumstances (e.g. rescue on an established road in a mountainous area). Must be pre-authorized via the Assistance Center. Available in Integral (includes section 3.7); not listed as a standard coverage in the IPID.

El Asegurador asumirá, hasta el límite máximo establecido en las Condiciones Particulares, los gastos de búsqueda y salvamento en caso de accidente del Asegurado

[71] Legal assistance: €3,000 ↩

The insurer covers the insured's legal defence expenses (lawyer and court agent fees, notarial costs, expert costs, court costs imposed by sentence) arising from administrative, judicial or arbitral proceedings during the trip, up to €3,000 per claim (as stated in the Legal Defence section of both CCGG). Covered guarantees include: legal information in Spain and abroad, damage claims, purchase/service contract claims, criminal liability defence, flight cancellation/delay claims (the latter must be expressly contracted in CCPP). The insured may freely designate a lawyer and court agent. Applies to both Integral and Prestige.

El límite de los gastos jurídicos garantizados por siniestro asciende a 3.000 , por siniestro.

[72] Emergency medical treatment: Covered ↩

Emergency medical treatment arising from an unforeseeable illness or accident is covered as part of the general medical expenses guarantee (sections 1.1 and 1.2 of the T&Cs). All medical, surgical and hospitalization expenses prescribed by a physician are covered up to the limit in Condiciones Particulares. The insurer coordinates care through its own medical team. Exact monetary limits are defined in the Condiciones Particulares, which differ by tier and territorial scope.

el Asegurador se hará cargo de los siguientes gastos: gastos médicos, quirúrgicos, de hospitalización y/o farmacéuticos prescritos por un médico, hasta la cantidad máxima, por Asegurado, indicada en Condiciones Particulares.

[73] Hospitalization: Covered ↩

Hospitalization costs prescribed by a physician are covered as part of the medical expenses guarantee (sections 1.1 and 1.2). Supplementary costs for private or individual hospital rooms are excluded. Exact limits are set in the Condiciones Particulares and vary by tier and territorial scope (Integral and Prestige). The insurer provides a companion travel and accommodation allowance when hospitalization exceeds five days (section 3.2 and 3.3).

gastos médicos, quirúrgicos, de hospitalización y/o farmacéuticos prescritos por un médico, hasta la cantidad máxima, por Asegurado, indicada en Condiciones Particulares.

[74] Outpatient treatment: Covered ↩

Outpatient medical consultations and pharmaceutical expenses prescribed by a physician are covered under the medical expenses guarantee (sections 1.1 and 1.2) up to the limit set in Condiciones Particulares. Costs incurred after return to domicile or for treatments that can be deferred are excluded. Psychological, psychoanalytic, rehabilitation, cosmetic and preventive treatments are explicitly excluded.

No están incluidos los gastos en los que el Asegurado pueda incurrir una vez que haya regresado a su domicilio habitual o a un centro sanitario próximo al mismo, ni los originados por tratamientos médicos o quirúrgicos no necesarios

[75] Medical evacuation: Covered ↩

Medical evacuation to the most suitable hospital and subsequent repatriation to Spain is organized and funded by the insurer (section 2.1). The means of transport is decided exclusively on medical grounds. Air ambulance use is limited to Europe and Mediterranean-border countries. Beyond this zone, only regular-line aircraft is used. The insured must follow the insurer's medical team indications; non-compliance suspends all cover. Applies to both tiers.

Sólo se tendrán en cuenta las exigencias de orden médico para elegir el medio de transporte y el hospital donde deberá ser ingresado el Asegurado.

[76] Repatriation of remains: Covered ↩

If the insured dies during a covered trip, the insurer organizes and fully covers the transfer of the body to the place of burial in Spain, including post-mortem conditioning costs (embalming and minimum legal coffin required for transport), but excluding burial and ceremony costs. Companion insured persons (spouse and children under 25 living together, or two companions) also have their transfer covered. Applies to both Integral and Prestige.

el Asegurador organizará y se hará cargo del traslado del cuerpo hasta el lugar de inhumación en España, sin que esta póliza cubra los gastos del enterramiento en sí.

[77] Pre existing conditions: Conditional ↩

Pre-existing conditions are excluded from medical expenses coverage in the Integral tier. In the Prestige tier, medical expenses abroad arising from a pre-existing illness are covered up to the amount indicated in Condiciones Particulares (section 1.2 of the Prestige CCGG).

En caso de una enfermedad preexistente, el Asegurador se hará cargo de los gastos médicos garantizados hasta la cantidad máxima indicada en Condiciones particulares.

[78] Winter sports cover: Optional ↩

By default, both Integral and Prestige explicitly exclude claims arising from winter sports, skiing, motorsports, mountaineering, climbing, high-altitude excursions above 4,000 m, non-recreational diving (below 20 m), spelunking, bungee jumping, hang-gliding, paragliding, skydiving, hunting, combat sports, and similar activities. A surcharge (sobreprima) can be agreed with the insurer to add such activities — the T&Cs state "salvo pacto en contrario y aplicación de la sobreprima que corresponda". Coverage can therefore be activated as a paid add-on with the insurer's explicit acceptance.

este seguro no cubre las reclamaciones derivadas de siniestros ocurridos por la práctica de deportes de invierno, esquí, motociclismo, automovilismo...

[79] Adventure sports cover: Optional ↩

Adventure and dangerous sports are excluded by default (definition section of T&Cs and general exclusions). The definition of "Deportes o Actividades Peligrosas" includes a long list of activities. However, the insurer allows these to be added via explicit prior agreement and payment of the applicable surcharge ("salvo pacto en contrario y aplicación de la sobreprima que corresponda"). Professional sports practice and participation in competitions, training sessions and bets are excluded in all cases with no surcharge exception. Bullfighting and taurine events are absolutely excluded.

Salvo pacto en contrario y aplicación de la sobreprima que corresponda, se hace constar de modo expreso que este seguro no cubre las reclamaciones derivadas de siniestros ocurridos por la práctica de deportes...

[80] Pregnancy complications: Conditional ↩

Pregnancy complications are covered only up to and including week 28 of pregnancy. Complications occurring from week 29 onwards are explicitly excluded (exclusion d) for both Integral and Prestige). Voluntary termination of pregnancy and childbirth are excluded in all cases. Complications during any stage of pregnancy are excluded if the insured woman had prior complications in previous pregnancies. Coverage activates only for unexpected complications before week 29 in a woman with no prior pregnancy complications.

d) Complicaciones ocurridas durante el embarazo, a partir de la semana 29.

[81] Medical expenses: €30,000 – €60,000 ↩

Covers medical, surgical, pharmaceutical and hospitalisation expenses incurred during a trip due to illness or accident. Limits vary by tier: 30,000 EUR (COTCARD Lowcost / Europtrip / Mundotrip) or 60,000 EUR (COTCARD Diamond / USATRIP / Full Anti-COVID top). A lower limit of 3,000 EUR applies for treatment in the country of origin.

[82] Medical transport: Covered ↩

In the event of accident or illness during a trip abroad, the insurer organises and covers the costs of transfer or repatriation of the insured to an adequately equipped medical centre or their home country, as decided by the insurer's medical team in coordination with the treating doctor. Mode of transport is chosen by the insurer based on the urgency and severity of the situation.

[83] COVID-19 treatment: €30,000 – €60,000 ↩

COVID-19 illness is explicitly included within the medical expenses coverage across all COTCARD tiers. Medical expenses limits apply (30,000–60,000 EUR depending on tier). Includes medical advice for COVID-19 oriented to travel (COTCARD General Conditions, clause 42).

Además de dar información y resolver dudas, se asesorará sobre la necesidad de analíticas para realizar el viaje, prescribiéndolas de ser necesario*. El servicio incluye el acceso a una red de laboratorios concertada con precios inferiores a los de mercado*, la interpretación de los resultados de las pruebas que se realicen y la emisión de un informe en español e inglés, que pueden ser de utilidad para las Autoridades Sanitarias y a las empresas de transporte.

[84] Personal liability: €600,000 ↩

Covers material and personal injury damages caused involuntarily to third parties (persons, animals or property) during the trip. Includes legal costs and court fees. A limit of 600,000 EUR per insurance period and year applies to this guarantee, as set out in the General Conditions.

Se establece para la cobertura de Responsabilidad Civil Privada un límite por periodo del seguro de 600.000 € (Seiscientos mil Euros) por contrato de seguro y año.

[85] Emergency dental: €500 ↩

Emergency dental expenses abroad are covered up to 500 EUR (COTCARD Diamond). Limited to emergency dental treatment only, covering infections, pain, and tooth loss due to accidents.

[86] Search & rescue: Covered ↩

The insurer covers search, rescue and/or recovery expenses arising from an accident to the insured, whether by civilian or military rescue services or any emergency organisation alerted for that purpose. The monetary limit is established in Condiciones Particulares per tier.

[87] Legal assistance: Covered ↩

Covers penal defence of the insured and their criminal liability in foreign courts within the scope of their private life during the trip. Excludes cases where the insured acts with intent or gross negligence. Monetary limit is established in Condiciones Particulares. Also includes legal information services abroad.

[88] Emergency medical treatment: €30,000 – €60,000 ↩

Emergency medical treatment is included within the overall medical expenses coverage. For pre-existing or chronic conditions, only the costs of first emergency care within the first 24 hours from the start of treatment in a medical centre are covered. Limits match the medical expenses ceiling (30,000–60,000 EUR by tier).

[89] Hospitalization: €30,000 – €60,000 ↩

Hospitalisation expenses are covered as part of the overall medical expenses guarantee. Continuity treatment hospitalisation in the country of origin is covered up to 6,000 EUR for a maximum of 30 days (COTCARD Diamond). Primary limits range from 30,000 to 60,000 EUR depending on tier.

[90] Outpatient treatment: €30,000 – €60,000 ↩

Outpatient (ambulatory) medical visits and treatment are included within the medical expenses guarantee. Overall limit shared with inpatient expenses (30,000–60,000 EUR by tier).

[91] Medical evacuation: Covered ↩

Medical evacuation is covered as part of the medical transport guarantee. When local care is deemed insufficient by the insurer's medical services, a specialist doctor may be sent to the insured's location, and transfer to a more adequately equipped facility or repatriation is organised. Specific monetary limits are defined in Condiciones Particulares per tier.

[92] Repatriation of remains: Unlimited ↩

The insurer covers all necessary formalities and expenses for the transfer or repatriation of mortal remains to the place of burial, cremation or funeral ceremony in the insured's country of residence. Costs of the burial, cremation or ceremony itself are excluded. Accompaniment of the remains is covered (unlimited, up to 3 companions, per the COTCARD Diamond benefits table).

[93] Pre existing conditions: Conditional ↩

In cases of vital emergency caused by an unforeseeable complication of a chronic or pre-existing illness, only the costs of first emergency medical care provided urgently within the first 24 hours from the start of treatment in a medical or hospital centre are covered. Routine or ongoing treatment for pre-existing conditions is excluded.

[94] Winter sports cover: Excluded ↩

Winter sports coverage is not included in the standard COTCARD travel medical product. Coverontrip offers a separate dedicated ski/winter sports product. The COTCARD General Conditions state that Group D activities (high-risk) and competition sports are not covered by the standard policy.

[95] Adventure sports cover: Excluded ↩

High-risk adventure and extreme sports (Group D activities) are explicitly excluded from the standard COTCARD policy. Coverontrip offers separate adventure/sports travel products (e.g. Rutas/ComdeTur Sports) for such activities.

[96] Medical expenses: Unlimited ↩

ERGO covers medical-surgical, pharmaceutical, hospitalization and ambulance expenses incurred during the trip due to illness or accident. Coverage limit varies by geographic zone: 3,000 EUR in Spain; unlimited in Europe/Mediterranean and World zones. For insured persons over 70 years on trips exceeding 90 days, the limit in the World zone is capped at 20,000 EUR. Dental expenses are limited to 300 EUR (emergency treatment only). If a long-duration treatment (over 60 days) is required abroad, ERGO arranges transfer of the insured to Spain once medically stable.

GASTOS MÉDICOS, QUIRÚRGICOS Y DE HOSPITALIZACIÓN DEL ASEGURADO: En España 3.000€ En Europa Ilimitado En Mundo Ilimitado

[97] Medical transport: Unlimited ↩

ERGO covers transport to the nearest hospital or to the insured's domicile in the event of accident or illness. Medical transport mode is decided by ERGO's medical team based on urgency and severity. Air ambulance use is exclusively included in Europe and Mediterranean countries. If the insured is admitted to a hospital far from home, ERGO covers the subsequent transfer to the domicile once medically feasible. The insured also has re-incorporation to the journey covered after recovery.

En caso de accidente o enfermedad sobrevenida al ASEGURADO, el ASEGURADOR tomará a su cargo el transporte al centro hospitalario más cercano que disponga de las instalaciones necesarias o hasta su domicilio.

[98] COVID-19 treatment: Unlimited ↩

COVID-19 is explicitly covered within the medical assistance and trip cancellation/interruption guarantees. The pandemic exclusion is explicitly carved out for COVID-19-originated incidents. Medical expenses due to COVID-19 illness during the trip are covered within the general medical expenses guarantee (unlimited in Europe/World zones). COVID-19 is also a covered cause for trip cancellation (clause 1.1) and for assistance guarantees (exclusion c explicitly excepted for COVID-19).

Los siniestros ocurridos en caso de guerra, pandemias —excepto la originada por COVID-19—, manifestaciones y movimientos populares, actos de terrorismo y sabotaje...

[99] Personal liability: €90,000 ↩

ERGO covers monetary compensation for which the insured may be held liable as a private person for involuntary bodily or material damage caused to third parties during the trip, in accordance with Articles 1902-1910 of the Spanish Civil Code or equivalent foreign legislation. Limit: 90,000 EUR (per guarantees table) including court costs and judicial bonds. Excluded: liability arising from driving motor vehicles, aircraft or vessels; professional, trade-union or political activities; fines and sanctions; Group D sports activities.

El ASEGURADOR toma a su cargo, hasta la suma indicada en las Condiciones Particulares, las indemnizaciones pecuniarias, por responsabilidad extracontractual, con arreglo a los arts. 1902 a 1910 del Código Civil...

[100] Emergency dental: €300 ↩

Emergency dental treatment is covered up to 300 EUR. Covered treatments include cures, extractions, mouth cleaning, and conventional simple radiology due to acute problems such as infections, pain, trauma or accidents requiring urgent dental treatment applied to natural dentition. Endodontic, periodontic, orthodontic treatments, fillings, dental prostheses, implantology and related diagnostics are explicitly excluded.

En todo caso, los gastos de odontólogo se limitan a 300,00€, quedando cubiertos los gastos odontológicos que requieran un tratamiento de urgencia.

[101] Search & rescue: €300 ↩

In the event of a covered accident requiring search, rescue, transport or repatriation by civil or military rescue services, ERGO reimburses costs up to the limit in the Particular Conditions (300 EUR standard per the guarantees table). If a helicopter is required for evacuation, ERGO covers costs up to the limit in the Particular Conditions with a maximum of 3,000 EUR when the sports Group C add-on has been contracted. For sports activities requiring the Group C add-on, the activity must be practiced responsibly under accredited guides or monitors.

En caso de ocurrencia de un accidente cubierto por las garantías de este seguro, que origine además unos gastos de búsqueda, socorro, transporte o repatriación del ASEGURADO, por los medios de salvamento civiles, militares o por los organismos de socorro alertados a este efecto, el ASEGURADOR reembolsará los gastos hasta el límite establecido en las Condiciones Particulares.

[102] Legal assistance: €3,000 ↩

Legal protection coverage is provided by Onlygal Seguros y Reaseguros (as underwriter). ERGO covers up to 3,000 EUR per claim for legal costs including: criminal defense for imprudent acts during travel; remote legal advice; claims for non-contractual damages; claims for breach of purchase or service contracts entered during travel. Legal advice is available Monday to Friday 09:00-20:00 (Spanish time). A minimum litigation threshold of 450 EUR applies below which only amicable claims are guaranteed. The insured has the right to freely choose their lawyer and solicitor.

El ASEGURADOR prestará el servicio y asumirá los gastos hasta el importe máximo por siniestro de TRES MIL EUROS (3.000€).

[103] Emergency medical treatment: Unlimited ↩

Emergency medical treatment abroad (Europe and World zones) is covered with no monetary limit. ERGO provides 24/7 permanent assistance and must be contacted before receiving non-emergency medical care. In cases of vital emergency arising from an unpredictable complication of a chronic or pre-existing condition, ERGO covers expenses for the first emergency care within the first 24 hours of treatment, without a pre-existing conditions add-on.

En los casos de urgencia vital como consecuencia de una complicación imprevisible de una enfermedad crónica o preexistente, se tomarán a cargo únicamente los gastos de una primera asistencia sanitaria realizada con carácter de urgencia y dentro de las primeras 24 horas.

[104] Hospitalization: Unlimited ↩

Hospitalization costs are included within the general medical expenses coverage. In Europe and World zones, there is no monetary cap. A daily hospitalization compensation is also provided from day 3 of hospitalization, up to a maximum of 10 days, per the limits stated in the Particular Conditions (50 EUR/day up to 500 EUR max per the guarantees table). This daily compensation is incompatible with the holiday reimbursement guarantee.

En caso de enfermedad o accidente del ASEGURADO ocurridos durante el viaje y que implicasen su hospitalización, el ASEGURADOR reconocerá una compensación diaria a favor del ASEGURADO, a partir del tercer día de hospitalización y hasta un máximo de diez días.

[105] Outpatient treatment: Unlimited ↩

Outpatient consultations, diagnostic tests and pharmaceutical expenses incurred during the trip are covered within the general medical expenses guarantee. In Europe and World zones the limit is unlimited. Insured persons also have access to the Air Doctor telemedicine app for non-urgent medical consultations abroad. Second medical opinion and specialist referral services are also included.

En caso de problema de salud sobrevenido durante la vigencia de la póliza, el ASEGURADO tendrá a su disposición y podrá solicitar los siguientes servicios: Una Segunda Opinión Médica...

[106] Medical evacuation: Unlimited ↩

Medical evacuation is included within the sanitary transport guarantee. The mode (including air ambulance where medically necessary) is chosen by ERGO's medical team. Air ambulance use is limited to Europe and Mediterranean countries. Helicopter evacuation in the context of sports accidents is covered up to 3,000 EUR when the Group C sports add-on is contracted.

El uso de avión sanitario, caso de ser necesario a juicio del equipo médico de la aseguradora, únicamente está incluido en Europa y en Países ribereños al Mediterráneo.

[107] Repatriation of remains: Unlimited ↩

In the event of death, ERGO covers all formalities and transport costs of the remains in a zinc coffin (or urn in case of prior cremation) from the place of death to the place of burial in Spain. The cost of the standard coffin and burial or ceremony expenses are excluded. ERGO also arranges and covers transport of other insured persons traveling with the deceased if they cannot return by the originally planned means.

En caso de fallecimiento del ASEGURADO, el ASEGURADOR tomará a su cargo los trámites y gastos de acondicionamiento y transporte de los restos mortales, en ataúd de tipo zinc...

[108] Pre existing conditions: €100,000 ↩

Pre-existing conditions are excluded from standard coverage. An optional package (Paquete de Cobertura Opcional de Preexistencia de Enfermedades y de Terrorismo) can be contracted additionally. When this optional package is contracted, ERGO covers medical expenses resulting from chronic or pre-existing conditions in cases of vital emergency, up to a limit of 100,000 EUR, sufficient to achieve stabilization and allow transfer to Spain. Complications and relapses of pre-existing conditions also become covered causes for trip cancellation (cause 1.9). Without the optional package, only the first 24-hour emergency treatment is covered for unpredictable complications of pre-existing conditions.

Proporcionamos cobertura de gastos médicos como consecuencia de enfermedades crónicas o preexistentes, en casos de urgencia vital y hasta un límite de 100.000€.

[109] Winter sports cover: Optional ↩

Winter sports (skiing, snowboarding, etc.) performed on properly marked and signposted ski slopes are classified as Group C activities. Group C activities require prior express authorization from ERGO and payment of an additional premium. When this add-on is contracted, ski slope accidents and rescue costs are covered (up to 3,000 EUR for helicopter evacuation). A refund of ski lift passes and ski lessons is also provided if the insured must interrupt the stay due to an accident (up to the daily and maximum limits in Particular Conditions). Winter sports performed off-piste or on closed slopes are Group D activities and are never covered.

otros deportes de invierno (esquí, snowboard, etc. Siempre que se realicen en pistas de esquí correctamente marcadas y balizadas), piragüismo en aguas bravas, psicobloc hasta 8 metros de altura, quads, rafting, rapel, salto elástico y cualquier otro de similares características.

[110] Adventure sports cover: Optional ↩

Activities in Group A (hiking, swimming, kayak, cycling, snorkelling, etc.) and Group B (mountain bike, sailing, paintball, surfing, snowshoeing, etc.) are covered by default. Group C activities (canyoning, diving up to 20m, rock climbing, rafting, quad bikes, bungee jumping, kitesurfing, etc.) require prior express authorization and an additional premium. Group D activities (activities above 5,000m altitude, professional sports, rugby, boxing, motor sports, off-piste skiing, etc.) are never covered under any circumstances.

Grupo A: atletismo, actividades en gimnasio, cicloturismo, curling, excursionismo, footing, juegos de pelota, juegos de playa y actividades de campamento, kayak, natación...

[111] Pregnancy complications: Unlimited ↩

Unforeseeable complications of pregnancy are covered within the medical expenses guarantee only during the first 24 weeks of gestation. Normal births (partos) are explicitly excluded. Risk pregnancy requiring bed rest, serious complications threatening the continuity of the pregnancy, and premature birth are covered as trip cancellation causes (clauses 1.6, 1.7, 1.8), provided these conditions arose after the policy was taken out.

Embarazos, salvo complicaciones imprevisibles en las primeras 24 semanas de gestación.

[112] Medical expenses: €1,500 – €1,000,000 ↩

Covers medical, surgical, pharmaceutical and hospitalisation expenses due to illness or accident during travel. Limits vary by tier and destination: Viaje – country of origin €3,000; Europe €30,000 (optionally extendable to €60,000, €100,000, €250,000 or €500,000); rest of world €60,000 (optionally extendable to €100,000, €250,000, €500,000 or €1,000,000). Básico – country of origin €1,500; Europe €10,000 (not extendable); rest of world €20,000 (not extendable). Maximum overall coverage up to €1,000,000.

[113] Medical transport: Covered ↩

Repatriation or health transport due to illness or accident is covered (stated as 'Incluido') in both Viaje and Básico tiers. No monetary cap is specified in the benefits table. Family or companion travel expenses and accommodation (up to 10 days at €80/day for Viaje, €60/day for Básico) are also covered.

[114] COVID-19 treatment: €100,000 ↩

COVID-19 medical, surgical, pharmaceutical and hospitalisation expenses can be covered as an optional addition to the Viaje tier (available for trips up to 90 days). The limit mirrors the contracted medical expenses guarantee, with a maximum cap of €100,000 for COVID-19 in policies with a higher overall medical limit for travel outside the country of nationality or residence. Not available in the Básico tier.

Cubre los gastos médicos, quirúrgicos, farmacéuticos y de hospitalización por COVID-19 cuyo límite será el mismo que el contratado en la Garantía de Gastos médicos, estableciéndose un límite máximo de 100.000 € por COVID-19 en las pólizas con un límite superior a esta cifra, en la garantía de gastos médicos en viajes fuera del país de nacionalidad o residencia. Contratable opcionalmente.

[115] Personal liability: €6,000 – €150,000 ↩

Private civil liability is included in both tiers. Viaje tier: limit per claim €150,000, maximum per claim for all persons affected €300,000. Básico tier: limit per claim €6,000, maximum per claim for all persons affected €12,000.

[116] Emergency dental: €30 – €100 ↩

Emergency dental expenses are covered in both tiers: Viaje up to €100, Básico up to €30. Covers emergency dental treatment required during travel.

[117] Search & rescue: See details ↩

Search and rescue expenses are not listed in the Viaje or Básico benefits table. This coverage is referenced for other FIATC modalities (e.g. Turisport) but not for the Viaje/Básico product line.

[118] Legal assistance: €600 ↩

Legal assistance expenses incurred abroad are covered in both tiers up to €600 (same for Viaje and Básico). Additionally, advance of penal bond up to €300 is covered in both tiers. Legal information abroad is included in both tiers. Advance of funds (€180) is only available in the Viaje tier.

[119] Emergency medical treatment: €1,500 – €1,000,000 ↩

Emergency medical treatment is covered as part of the medical expenses guarantee (gastos médicos, quirúrgicos, farmacéuticos y de hospitalización). Limits match those of medical_expenses: €1,500–€1,000,000 depending on tier and destination. The 'Tu Doctor de Viaje' telemedicine platform is included in both tiers for initial medical assessment.

[120] Hospitalization: €1,500 – €1,000,000 ↩

Hospitalisation is covered as an integral part of the medical expenses guarantee. Limits are the same as medical_expenses and vary by tier and destination. Additionally, companion travel and accommodation expenses during hospitalisation of the insured (up to 10 days at €80/day in Viaje tier) are covered; this benefit is not included in the Básico tier.

[121] Outpatient treatment: €1,500 – €1,000,000 ↩

Outpatient medical and surgical expenses are covered within the overall medical expenses guarantee. No separate explicit outpatient sub-limit is stated; the same destination-based limits apply as for medical_expenses. Pharmaceutical expenses are also included.

[122] Medical evacuation: Covered ↩

Medical evacuation is covered as part of the repatriation or health transport guarantee, included in both Viaje and Básico tiers (stated as 'Incluido'). No separate monetary cap is specified. Must be arranged through the 24/7 assistance line.

[123] Repatriation of remains: Covered ↩

Transport of mortal remains is covered (stated as 'Incluido') in both Viaje and Básico tiers. No monetary cap is specified. Family or companion travel and accommodation expenses related to this event are also covered (up to 10 days at €80/day for Viaje, €60/day for Básico).

[124] Pre existing conditions: Excluded ↩

Pre-existing conditions and chronic diseases that existed before the trip commenced are explicitly excluded. Claims arising from pre-existing diseases are not covered in either Viaje or Básico tiers.

Las enfermedades preexistentes o provocadas por intencional ingestión de alcohol, tóxicos, drogas, narcóticos o por la utilización de medicamentos sin prescripción médica.

[125] Winter sports cover: See details ↩

Winter sports coverage is not listed in the Viaje or Básico benefits table. FIATC offers a separate 'Seguresquí' product for ski/winter sports coverage.

[126] Adventure sports cover: See details ↩

Adventure sports coverage is not listed in the Viaje or Básico benefits table. FIATC's Turisport modality is designed for sporting travel but is a separate product from Viaje/Básico.

[127] Pregnancy complications: Conditional ↩

Unexpected pregnancy complications are covered under the medical expenses guarantee, except complications occurring from the seventh month of pregnancy onward, or at any stage of pregnancy if the insured has had complications in previous pregnancies, which are excluded.

Las reclamaciones derivadas de las complicaciones ocurridas a partir del séptimo mes de embarazo o durante el transcurso del mismo si la Asegurada ha sufrido complicaciones en embarazos anteriores.

[128] Medical expenses: €150,000 – €1,500,000 ↩

Medical expenses cover ranges from €150,000 up to €1,500,000 depending on the option contracted (Viajero / Viajero Plus / Viajero Premium).

Asistencia médica (150.000€ / 500.000€ / 1.500.000€)

[129] COVID-19 treatment: Covered ↩

Generali treats COVID-19 as any other illness and includes it within medical expense coverage. PCR test costs are covered when the insured has symptoms or they are required by a hospital or medical centre. Hotel or accommodation extension is covered if ill but hospitalization is not required. Excluded: consequences of movement restrictions due to the pandemic (lockdowns, border closures, states of emergency, generalized quarantines).

GENERALI considera la COVID19 como cualquier otra enfermedad, por lo tanto está incluidas en las coberturas. Únicamente se excluyen las consecuencias de restricción de movimiento como resultado de la pandemia COVID (confinamientos, cierres de fronteras, estado de emergencia, cuarentenas generalizadas, etc.)

[130] Search & rescue: Excluded ↩

Rescue of persons in mountains, caves, at sea or in the desert is explicitly excluded from coverage.

Rescate de personas en montaña, sima, mar, o desierto.

[131] Legal assistance: Optional ↩

Optional legal assistance cover; limits as set out in the policy conditions.

Asistencia Legal.

[132] Pre existing conditions: Optional ↩

Pre-existing or chronic illnesses suffered by the insured before the trip start are excluded by default. However, coverage for non-terminal pre-existing conditions is available as an optional guarantee, provided the condition was declared at the time of policy contracting.

Enfermedades, lesiones o afecciones preexistentes o crónicas, padecidas por el Asegurado con anterioridad al inicio del viaje.

[133] Winter sports cover: Excluded ↩

Consequences arising from the practice of winter sports are explicitly excluded from coverage.

Las consecuencias derivadas de la práctica de deportes de invierno.

[134] Adventure sports cover: Excluded ↩

Sports practiced in competition or motorized competition (race or rally), as well as dangerous or high-risk activities, are explicitly excluded from coverage.

La práctica de deportes en competición o competición motorizada (carrera o rally), así como la práctica de actividades peligrosas o de riesgo

[135] Pregnancy complications: Not established from the reviewed documents ↩

Pregnancy-related expenses are not mentioned as a covered peril in the IPID summary; coverage status is not stated in the available documents.

[136] Medical expenses: €6,000 ↩

Covers medical, surgical, pharmaceutical and hospitalisation expenses incurred abroad as a result of illness or accident during the trip, up to EUR 6,000 per insured person abroad (EUR 600 if incurred in Spain).

La cantidad máxima cubierta por asegurado, por el conjunto de los citados gastos que se produzcan en España es de 600 euros y de 6.000 euros en el Extranjero.

[137] Medical transport: Covered ↩

GesViajes covers transport or repatriation of injured or ill insured persons to Spain by the most appropriate means including air ambulance where medically required. Decision on transport mode rests with the insurer's medical team.

GesViajes ofrece asistencia en viaje y cobertura frente a gastos médicos, hospitalarios y farmacéuticos, traslado o repatriación sanitaria, pérdida de equipaje, cancelación y regreso anticipado por causas justificadas.

[138] COVID-19 treatment: Conditional ↩

COVID-19 is covered as an acute, unforeseeable illness arising during the trip, subject to the standard conditions of the medical expenses guarantee.

[139] Personal liability: See details ↩

Personal liability is not included in GesViajes.

[140] Emergency dental: Covered ↩

Emergency dental treatment abroad is referenced as a coverage benefit in GesViajes marketing materials.

[141] Search & rescue: Excluded ↩

Search and rescue of persons in mountains, at sea or in desert is explicitly excluded in GesViajes-related policy exclusions. The brochure does not include this as a covered benefit.

[142] Legal assistance: See details ↩

Legal assistance is not included in GesViajes.

[143] Emergency medical treatment: €6,000 ↩

Emergency medical treatment is included as part of the medical expenses coverage for illness or accident occurring during the trip outside Spain, up to EUR 6,000 per insured person abroad (EUR 600 in Spain).

La cantidad máxima cubierta por asegurado, por el conjunto de los citados gastos que se produzcan en España es de 600 euros y de 6.000 euros en el Extranjero.

[144] Hospitalization: €6,000 ↩

Hospitalisation expenses abroad are included within the medical expenses coverage of GesViajes, up to EUR 6,000 per insured person abroad (EUR 600 in Spain).

La cantidad máxima cubierta por asegurado, por el conjunto de los citados gastos que se produzcan en España es de 600 euros y de 6.000 euros en el Extranjero.

[145] Outpatient treatment: €6,000 ↩

Outpatient medical and physician fees are included within the medical expenses guarantee in GesViajes, up to EUR 6,000 per insured person abroad (EUR 600 in Spain).

La cantidad máxima cubierta por asegurado, por el conjunto de los citados gastos que se produzcan en España es de 600 euros y de 6.000 euros en el Extranjero.

[146] Medical evacuation: Covered ↩

Medical evacuation to the nearest appropriate hospital is included within the medical transport coverage of GesViajes.

En el ámbito sanitario, contempla traslado o repatriación de heridos y enfermos, gastos médicos, quirúrgicos, farmacéuticos y de hospitalización, convalecencia en hotel, desplazamiento de un acompañante en caso de hospitalización, envío de medicamentos y adelanto de fondos por robo de medios de pago.

[147] Repatriation of remains: Covered ↩

GesViajes covers transport and repatriation of the insured's mortal remains to the place of burial in Spain, including post-mortem treatment and legal conditioning costs.

[148] Pre existing conditions: Excluded ↩

Relapses of chronic illnesses and situations derived from pre-existing conditions or conditions prior to the start of the trip are explicitly excluded in the GesViajes-related exclusions confirmed in the brochure and product page.

[149] Winter sports cover: See details ↩

Winter sports are not mentioned as a covered benefit in GesViajes marketing materials or the brochure. Consequences of practising risk sports are excluded.

[150] Adventure sports cover: Excluded ↩

Consequences deriving from the practice of risk sports and rescue of persons in mountains, sea or desert are explicitly excluded in the GesViajes-related policy exclusions.

[151] Pregnancy complications: Conditional ↩

Births and pregnancy complications from the sixth month onwards, as well as periodic obstetric check-ups, are excluded. Unforeseeable complications in the first six months may be covered. Specific monetary limit not confirmed in GesViajes sources.

[152] Medical expenses: €15,000 ↩

Pago o reembolso de gastos médicos, quirúrgicos, farmacéuticos y de hospitalización en el extranjero, con un máximo de 15.000€ asegurado/año.

[153] Medical transport: Covered ↩

Covers ambulance transfer to the nearest clinic or hospital abroad, and when medically necessary, transportation by the most appropriate means back to the insured's habitual residence in Spain.

La compañía cubre el traslado del enfermo en ambulancia hasta la clínica u hospital más próximo y, en el caso de que sea necesario, también se encargará de los gastos de llevarlo por el medio de transporte más adecuado hasta su residencia habitual.

[154] Personal liability: See details ↩

Personal liability coverage abroad is not included in this product.

[155] Emergency dental: €120 ↩

Emergency dental treatment required abroad due to acute dental problems (infections, pain, trauma) is covered up to a maximum of EUR 120.

En el caso de que el asegurado durante su viaje tenga que acudir de urgencia al dentista en el extranjero por algún problema, la compañía se encargará de los gastos que se deriven (hasta un máximo de 120 euros).

[156] Search & rescue: See details ↩

Search and rescue coverage is not included in this product.

[157] Legal assistance: See details ↩

Legal assistance coverage abroad is not included in this product.

[158] Emergency medical treatment: Covered ↩

Emergency medical treatment abroad is covered as part of the travel assistance guarantee included in Helvetia Salud policies. No separate sub-limit specifically for emergency treatment (as distinct from total medical expenses) was stated in the sources.

si el asegurado necesita asistencia médica, quirúrgica, farmacéutica u hospitalaria por una enfermedad o accidente durante su viaje, puede estar tranquilo porque Helvetia Seguros se ocupará de los gastos que esto suponga

[159] Hospitalization: Covered ↩

Hospitalization expenses abroad are covered within the overall medical expenses limit. If hospitalization abroad exceeds five days, the insurer also covers a return ticket for a family member to accompany the insured, plus hotel costs. No separate hospitalization sub-limit stated.

si debe permanecer hospitalizado en el extranjero durante más de cinco días, la aseguradora se encargará de pagar el billete de ida y vuelta a un familiar para que esté a su lado, ocupándose también de los gastos de su estancia en un hotel

[160] Outpatient treatment: Covered ↩

Outpatient medical and pharmaceutical expenses abroad are included within the overall travel assistance medical expenses limit, but no separate outpatient sub-limit was stated in the sources.

si el asegurado necesita asistencia médica, quirúrgica, farmacéutica u hospitalaria por una enfermedad o accidente durante su viaje, puede estar tranquilo porque Helvetia Seguros se ocupará de los gastos que esto suponga

[161] Medical evacuation: Covered ↩

Medical repatriation of injured or sick persons from abroad back to Spain is covered, using the most appropriate means of transport as determined by the insurer's medical team.

Repatriación sanitaria de heridos o enfermos desde el extranjero.

[162] Repatriation of remains: Covered ↩

If the insured dies abroad due to illness or accident, the insurer covers all formalities and the repatriation of the deceased to their place of burial or cremation in Spain, as well as the return travel of one accompanying person.

Repatriación del Asegurado fallecido y de los acompañantes.

[163] Winter sports cover: See details ↩

Winter sports coverage is not included in this product.

[164] Adventure sports cover: See details ↩

Adventure sports coverage is not included in this product.

[165] Medical expenses: €1,000,000 ↩

Covers medical, surgical, pharmaceutical and hospitalisation expenses due to accident or illness occurring during travel. Spain: 900 EUR; Europe: 1,000,000 EUR; World: 1,000,000 EUR per this Inter Partner Assistance (AXA Assistance) IPID; the current IATI Estrella product page lists World cover as unlimited. Optional supplement available for Europe/World up to 4,800,000 EUR. Valid more than 25 km from habitual residence (10 km in Balearic and Canary Islands). In case of vital emergency from unforeseeable complication of chronic/pre-existing illness: only first 24 hours, max 5% of insured medical sum (ARAG version) or max 1% up to 50,000 EUR (AXA version).

Gastos médicos, quirúrgicos, farmacéuticos y hospitalización: España: 900€ Europa: 1.000.000€ Resto del mundo: 1.000.000€

[166] Medical transport: Unlimited ↩

Covers ambulance transfer to the nearest clinic or hospital, supervision by the insurer's medical team, and transport of the injured/sick person by the most appropriate means to the prescribed hospital or home. In Europe and Mediterranean rim countries a specially equipped medical aircraft may be used at the insurer's medical team's discretion. In other locations, regular scheduled flights are used. If hospitalised far from home, subsequent transfer to habitual residence is also covered at the time of medical discharge.

Del importe de los gastos de traslado originados por la primera asistencia, del herido o enfermo, por el medio de transporte más adecuado, hasta el centro hospitalario prescrito, y autorizado por el Asegurador, o a su domicilio habitual.

[167] COVID-19 treatment: Unlimited ↩

COVID-19 is treated as any other illness under the medical expenses guarantee. The IATI Estrella CCGG includes a 'Pack COVID' that: extends hotel convalescence from 10 to 14 days for COVID quarantine, includes PCR testing for insured if a fellow traveller on the same policy tests positive, and treats COVID-19 as a serious illness for the trip cancellation guarantee. Coverage limits are the same as overall medical expenses (Europe 1,000,000 EUR, World 1,000,000 EUR/unlimited depending on underwriter).

[168] Personal liability: €60,000 ↩

Covers pecuniary indemnifications that the insured may be legally obliged to pay as a private person for bodily or material damages involuntarily caused to third parties during travel. Limit: 60,000 EUR (Spain, Europe, World). Includes judicial costs and court bonds. Excludes: liability from motor vehicles, aircraft and vessels; professional, union, political or associative activities; fines and sanctions; damages to entrusted objects; liability from certain sports (alpinism, boxing, parachuting, etc.).

El asegurador toma a su cargo, hasta el límite económico establecido, las indemnizaciones económicas, que con arreglo a los artículos 1902 a 1910 del Código Civil... viniera obligado a satisfacer el asegurado, en su condición de persona privada, como civilmente responsable de daños corporales o materiales causados involuntariamente durante el viaje a terceros

[169] Emergency dental: €650 ↩

Covers emergency dental treatment due to acute dental problems such as infections or trauma requiring urgent treatment. Maximum 650 EUR, per the current IATI Estrella product page (Asistencia médica – Gastos odontológicos). Implants, prostheses, bridges, and endodontics are excluded per the policy conditions. Not applicable in Spain.

Gastos odontológicos Hasta 650€ Cubrimos los gastos derivados de tratamientos de urgencia por la aparición de problemas odontológicos agudos, como infecciones, dolores, traumas o a consecuencia de un accidente.

[170] Search & rescue: €10,000 ↩

Search and rescue is excluded from the base policy per the IPID ('Rescate en mar, montaña o desierto'), but it is covered up to 10,000 EUR when the optional 'Aventura Premium' supplement is purchased, as shown on the IATI Estrella product page under 'Búsqueda y salvamento (incluido en Aventura Premium)'.

Búsqueda y salvamento (incluido en Aventura Premium) Hasta 10.000€

[171] Legal assistance: €3,000 ↩

Legal assistance services include: 24/7 telephone legal advisory service; connection with a lawyer network for in-person legal assistance abroad; criminal legal defence for negligent acts during travel in European courts (3,000 EUR including bonds); non-contractual damages claims (3,000 EUR); breach of purchase contracts (3,000 EUR); breach of service contracts (3,000 EUR). Minimum claim amount for judicial proceedings: 300 EUR. Legal claims service hours: Mon-Fri 09:00-19:00 local time (calls received 24/7, replied next business day).

Este servicio de consulta directa con el Centro de Asistencia Jurídica 24 horas 365 días/año permitirá al Asegurado recibir orientación jurídica en relación a cualquier incidencia o problemática de su vida particular o profesional.

[172] Emergency medical treatment: €1,000,000 ↩

Emergency medical treatment by emergency medical teams, complementary medical exams, hospitalisations, treatments and surgical interventions, and supply of medications. The insurer's medical team must authorise treatment except in emergencies or force majeure. Insured sum is the same as the overall medical expenses limit: Europe 1,000,000 EUR; World 1,000,000 EUR (ARAG) or unlimited (AXA). In case of vital emergency from complication of chronic/pre-existing illness: max 5% of medical sum for first 24h only.

a. Los gastos y honorarios médicos y quirúrgicos. b. Los gastos farmacéuticos necesarios por prescripción médica, para el tratamiento de patologías cubiertas por esta póliza. c. Los gastos de hospitalización.

[173] Hospitalization: €1,000,000 ↩

Hospitalisation expenses are included within the overall medical expenses guarantee. Europe: 1,000,000 EUR; World: 1,000,000 EUR (ARAG) or unlimited cost price (AXA version). If treatment is expected to exceed 14 days, the insurer may transfer the insured to their home country to receive treatment. Hospitalisation is defined as registration as a patient for a minimum of 24 hours or an overnight stay with a main meal.

si el pronóstico del equipo médico del Asegurador dictamina que dada la gravedad del caso el Asegurado precisa de un tratamiento superior a 14 días, el Asegurador podría proceder... al traslado del mismo a su lugar de residencia habitual

[174] Outpatient treatment: €1,000,000 ↩

Outpatient treatment expenses (medical consultations, complementary exams, and medications prescribed by a doctor for non-hospitalisation conditions) are covered within the global medical expenses limit. Repeated medications or pharmaceutical expenses arising from chronic conditions are excluded. Europe: up to 1,000,000 EUR (ARAG) or unlimited (AXA); World: same limits.

Los gastos farmacéuticos necesarios por prescripción médica, para el tratamiento de patologías cubiertas por esta póliza.

[175] Medical evacuation: Unlimited ↩

Medical evacuation is included within the medical transport guarantee. The insurer's medical team determines the appropriate transport method based on urgency and severity of the case. Medical air ambulance available in Europe and Mediterranean rim countries. Regular scheduled flights used for other destinations worldwide. Full cost covered.

podrá realizarse la repatriación en avión sanitario especial si el paciente está en Europa y países ribereños del Mediterráneo. En cualquier otro lugar, se efectuará por avión de línea regular.

[176] Repatriation of remains: Unlimited ↩

In the event of the insured's death during travel, the insurer covers all formalities and expenses for transfer or repatriation of mortal remains to the place of burial, cremation, or funeral ceremony in the insured's country of origin. Burial, cremation, and funeral ceremony expenses and the cost of the coffin are NOT covered.

No son objeto de cobertura de esta garantía los gastos de inhumación, cremación o ceremonia funeraria, ni el coste del ataúd.

[177] Pre existing conditions: 5% of insured sum ↩

Chronic, pre-existing, and congenital conditions are generally excluded. Exception: in case of vital emergency resulting from an unforeseeable complication of a chronic, congenital, or pre-existing illness, or an unforeseeable complication of pregnancy in the first 24 weeks of gestation, the insurer covers ONLY the expenses of a first emergency medical assistance within the first 24 hours of hospital admission. This emergency coverage is capped at 5% of the medical expenses insured sum. For acute processes with pre-existing comorbidity, the maximum is also capped at 5% of the insured sum. A pre-existing/chronic illness is defined as any pathology whose symptoms began before the policy was taken out, even if a definitive diagnosis has not yet been reached. Illnesses with decompensation within 30 days prior to policy contracting are excluded from cancellation.

En caso de urgencia vital como consecuencia de una complicación imprevisible de una enfermedad crónica, congénita, así como de una complicación imprevisible del embarazo durante las primeras 24 semanas de gestación, el Asegurador se hará cargo únicamente de los gastos de una primera asistencia sanitaria realizada con carácter de urgencia

[178] Winter sports cover: Optional ↩

Skiing and other winter sports are excluded from the IATI Estrella base policy. They are available as an optional add-on ('suplemento deportes de aventura') which, when contracted, extends coverage to: skiing, cross-country skiing, ski touring, ice skating, snowshoes and snowboarding (excluding heliski and off-piste skiing). The add-on also covers other adventure sports such as white water rafting, canyoning, bouldering up to 8 metres, sport climbing, fencing, speleology up to 150m depth, water skiing, kitesurf, hydrospeed, mountain biking, trekking up to 5,000m altitude, among others.

los siguientes deportes de invierno : esquí, esquí de fondo, esquí de travesía, patinaje sobre hielo, raquetas de nieve y snowboard (excepto el heliesquí y el esquí fuera de pistas).

[179] Adventure sports cover: Unlimited ↩

A wide range of sports and activities are included in the base policy at no extra cost, provided they are not the main purpose of the trip and are not performed professionally or competitively: athletics, gym activities, basketball, cycling, kayak, swimming, sailing, paddle surf, padel, paintball, hiking (trekking below 3,000m), horse riding, snorkelling, diving up to 20m depth, golf, segway, 4x4 routes, and many others. An optional adventure sports supplement adds: whitewater rafting, canyoning, bouldering up to 8m, sport climbing, fencing, speleology up to 150m, water skiing, flysurf, hydrospeed, kitesurf, mountain biking, quad bikes, bungee jumping, survival, trekking up to 5,000m altitude, and winter sports (excluding heliski and off-piste).

Atletismo, actividades en gimnasio, actividades rancheras (capeas, etc.), baloncesto, barcos a motor (con conductor), paseos en bicicleta, cicloturismo, canoa, curling, deportes de tiro / caza menor...

[180] Pregnancy complications: 5% of insured sum ↩

Coverage for unforeseeable complications of pregnancy is limited to the first 24 weeks of gestation. In case of vital emergency from an unforeseeable complication of pregnancy, coverage is limited to the first emergency medical assistance within the first 24 hours of hospital admission, capped at 5% of the medical expenses insured sum. Childbirth and pregnancy-related expenses are generally excluded. Complications of pregnancy for trip cancellation are covered for complications not related to pre-existing conditions occurring after policy contracting, except for complications from the 7th month (28 weeks) onwards. Risky pregnancies are excluded from cancellation.

así como de una complicación imprevisible del embarazo durante las primeras 24 semanas de gestación, el Asegurador se hará cargo únicamente de los gastos de una primera asistencia sanitaria realizada con carácter de urgencia y dentro de las primeras 24 horas

[181] Medical expenses: €25,000 – €6,000,000 ↩

Covers doctor fees, prescribed medications (during first medical assistance), hospitalisation costs, and ambulance ordered by a physician for a local journey. Limits vary by tier and geographic zone: Classic — Spain €25,000, Europe €100,000, Rest of World €100,000; Plus — Spain €50,000, Europe €500,000, World €1,500,000; Premium — Europe €1,000,000, World €6,000,000. In case of a vital emergency arising from an unforeseeable complication of a pre-existing or congenital condition, only the costs of initial emergency care within the first 24 hours from admission are covered.

Classic: cobertura de gastos médicos de hasta 25.000€ para España, 100.000€ para Europa y Mundo

[182] Medical transport: Unlimited ↩

IMA IBÉRICA covers ambulance transfer to the nearest clinic or hospital, coordination of medical transport by IMA's medical team, and transfer of the sick or injured insured to the prescribed hospital or habitual residence when return by the originally contracted means is not possible. The means of transport is determined by IMA IBÉRICA's medical team based on severity; a medical aircraft may be used if the insured is in Europe or Mediterranean-rim countries. Stated as "Incluido" (no monetary cap) in the Classic guarantee table.

Los gastos de traslado del Asegurado herido o enfermo, en el medio de transporte más adecuado, hasta el centro hospitalario prescrito o hasta su residencia habitual cuando no pueda hacerse a través del medio contratado y previsto inicialmente por el asegurado para regresar a su domicilio.

[183] COVID-19 treatment: Covered ↩

All Imaway travel insurance modalities include coverage for medical expenses and hospitalisation resulting from COVID-19 at the destination, including costs of a positive PCR test prescribed by a doctor. Extended stay due to medical quarantine and family accommodation costs are also covered. The specific monetary limits for COVID-19 treatment are the same as the general medical expenses limits per tier and geographic zone.

Incluye la cobertura de gastos médicos y hospitalarios por contagio de COVID-19 en destino, así como los costes de test PCR POSITIVO en caso de síntomas y prescripción médica. También cubre los gastos de prolongación de estancia por cuarentena médica, el desplazamiento y los gastos de estancia de un familiar en caso de hospitalización superior a 5 días.

[184] Personal liability: €30,000 ↩

IMA IBÉRICA covers monetary compensation that may be claimed from the insured for involuntary bodily or material damage caused to third parties during the covered trip, per articles 1902–1910 of the Spanish Civil Code or equivalent foreign law. Includes legal costs and judicial bonds. Classic tier limit: €30,000. Professional liability, liability arising from motor vehicles, aircraft, firearms, deliberate acts, damage to entrusted objects, and contractual liability are explicitly excluded. The insured's co-travellers and their family members are not considered third parties.

IMA IBÉRICA tomará a su cargo, hasta el límite económico que figure en el Certificado y Condiciones Particulares de la póliza, las indemnizaciones pecuniarias, que sin constituir sanción personal o complementaria de la responsabilidad civil, puedan exigirse al Asegurado con arreglo a los Artículos 1.902 a 1.910 del Código Civil...

[185] Emergency dental: €60 ↩

Covers urgent dental expenses abroad up to €60 (Classic tier). Endodontics, aesthetic reconstructions of prior treatments, prosthetics, crowns and implants are explicitly excluded. This is a sub-guarantee of the medical expenses coverage applicable only abroad.

IMA IBÉRICA cubrirá los gastos odontológicos considerados de urgencia, excluidos la endodoncia, reconstrucciones estéticas de tratamientos anteriores, prótesis, fundas e implantes hasta el límite económico que figure en el Certificado y Condiciones Particulares de la póliza.

[186] Search & rescue: €2,000 ↩

If the insured is exposed to a risk that generates search and rescue expenses by civilian or military rescue services or relief organisations, IMA IBÉRICA reimburses these costs up to the limit stated in the policy certificate and particular conditions. The Classic tier limit is €2,000. Note: mountain, sea or desert rescue is explicitly excluded under the general medical exclusions (section 16.2.1). This coverage applies to other rescue scenarios.

Si el Asegurado se encontrase expuesto a un riesgo que origine gastos de búsqueda y rescate por los medios de salvamento, civiles o militares, o por los organismos de socorro, IMA IBÉRICA reembolsará los mismos hasta el límite económico que figure en el Certificado y Condiciones Particulares de la póliza.

[187] Legal assistance: Optional ↩

Legal assistance (asistencia legal) is included in the Plus and Premium tiers, providing an additional layer of legal protection during the trip. It is not included in the Classic tier. Coverage is listed as a key differentiator of the Plus tier over Classic.

Con la modalidad Plus, podrás ampliar las coberturas Classic e incluir asistencia legal entre los beneficios, proporcionándote una capa adicional de seguridad jurídica durante tu viaje.

[188] Emergency medical treatment: Covered ↩

Emergency medical treatment is included within the medical expenses guarantee. IMA IBÉRICA's medical team coordinates care and determines whether treatment occurs at the location of the incident or repatriation to the insured's habitual residence. The insurer must be contacted immediately at +34 91 390 73 18; treatments not previously authorised are excluded except in cases of force majeure. Covered limits are the same as under medical expenses by tier and zone.

En caso de precisar asistencia sanitaria, será el equipo médico del Asegurador el que decida, siempre y cuando las condiciones médicas del Asegurado lo permitan, si se presta en el lugar de ocurrencia del Siniestro o se repatria al Asegurado desplegando todos los medios necesarios para que sea tratado en su lugar de residencia habitual.

[189] Hospitalization: Covered ↩

Hospitalisation costs are covered as part of the medical expenses guarantee, subject to the same per-tier geographic limits (Classic: up to €100,000 outside Spain; Plus: up to €1,500,000 outside Europe; Premium: up to €6,000,000 outside Europe). If hospitalisation exceeds five days and no family member is present, IMA IBÉRICA provides a return flight (economy) or train (first class) for a family member and covers accommodation up to €80/day for up to 10 days.

Classic: cobertura de gastos médicos de hasta 25.000€ para España, 100.000€ para Europa y Mundo

[190] Outpatient treatment: Covered ↩

Outpatient medical fees (doctor consultations, prescribed medications during first assistance, and physician-ordered local ambulance) are covered within the medical expenses guarantee. No separate sub-limit is stated for outpatient vs. inpatient; all fall under the same aggregate medical expenses limit per tier and geographic zone. Physiotherapy, rehabilitation, and aesthetic or elective procedures are explicitly excluded.

- Honorarios médicos. - Medicamentos recetados por un médico o cirujano, durante la primera asistencia médica prestada. - Gastos de hospitalización. - Gastos de ambulancia ordenados por un médico para un trayecto local.

[191] Medical evacuation: Unlimited ↩

Included within the sanitary transfer guarantee ("Traslado sanitario de enfermos y heridos"). IMA IBÉRICA's medical team determines whether evacuation is required and organises and bears the full cost of repatriation or transfer to the insured's habitual residence. No monetary cap is stated ("Incluido"). A medical aircraft may be used for insureds located in Europe or Mediterranean-rim countries.

El medio de transporte utilizado en cada caso lo decidirá el Equipo Médico del Asegurador en función de la gravedad y la urgencia de cada caso, pudiéndose emplear un avión sanitario especial si el Asegurado se encuentra en Europa o países ribereños del Mediterráneo.

[192] Repatriation of remains: Unlimited ↩

In the event of the insured's death during a trip, IMA IBÉRICA organises and fully covers the transport of the mortal remains to the place of burial in Spain, including post-mortem conditioning costs in accordance with legal requirements. Funeral parlour and burial expenses are not covered. Stated as "Ilimitado" in the Classic guarantee table.

En caso de fallecimiento del Asegurado, acaecido en el transcurso de un viaje, IMA IBÉRICA organizará y tomará a su cargo el transporte de los restos mortales hasta el lugar de su inhumación en España. ... No estarán cubiertos los gastos de pompas fúnebres e inhumación.

[193] Pre existing conditions: Conditional ↩

Pre-existing and chronic diseases and their consequences are generally excluded. However, in the case of a vital emergency arising from an unforeseeable complication of a pre-existing or congenital condition, only the first emergency medical care within the first 24 hours from admission to the medical centre is covered. Chronic diseases are excluded for all travellers regardless of age. No medical certificate is required at the time of purchase. Coverage is limited to urgent medical situations that arise unexpectedly during the trip.

En caso de una urgencia vital derivada de una complicación imprevisible de una Enfermedad Preexistente o Congénita, el Asegurador se hará cargo únicamente de los gastos de una primera asistencia sanitaria realizada con carácter de urgencia y dentro de las primeras 24 horas, a contar desde el inicio de la atención en el centro médico u hospitalario.

[194] Winter sports cover: Excluded ↩

Accidents arising from the practice of skiing and related snow sports are explicitly excluded under section 16.2.18 of the Classic policy general conditions. Snowboarding and snow rackets are also excluded (section 16.2.19). This exclusion applies to the Classic tier; Plus and Premium tiers include broader adventure sports coverage.

Los siniestros producidos por la práctica del esquí y deportes afines.

[195] Adventure sports cover: Conditional ↩

Classic tier: a defined list of recreational sports and activities is covered provided they are not the primary purpose of the trip and are not practised professionally or competitively (e.g. cycling, kayak, paddle surf, snorkelling, trekking below 3,000 m, senderismo). A separate exclusion list prohibits higher-risk activities (e.g. kite surf, mountaineering, scuba diving, rafting, paragliding, parachuting, bungee jumping, snowboard). Plus and Premium tiers include a broader range of adventure sports with higher risk levels. Professional sport and competitive events are excluded across all tiers.

Atletismo, actividades en gimnasio, actividades rancheras (capeas, etc.), baloncesto, barcos a motor (con conductor), paseos en bicicleta, canoa, curling, deportes de tiro / caza menor...

[196] Pregnancy complications: Conditional ↩

Pregnancy and childbirth are generally excluded. However, unforeseeable complications during the first 24 weeks of gestation are covered as an exception (section 16.2.8 of the Classic policy general conditions). Coverage is subject to the general medical expenses limits per tier and geographic zone. Planned deliveries, routine prenatal care and elective procedures are not covered.

Embarazos, salvo complicaciones imprevisibles en las primeras 24 semanas de gestación.

[197] Medical expenses: €2,500 – €10,000,000 ↩

Covers emergency medical team fees, specialist fees, supplementary medical examinations, hospitalisations, surgical interventions, and pharmaceutical costs during hospitalisation. Limits vary by tier and territorial scope: Totaltravel Mini: España 2,500€ / Europa 100,000€ / Mundo 250,000€; Totaltravel Annual (standard tier): España 7,500€ / Europa-Mundo 2,500,000€; Totaltravel (temporal standard): 5,000,000€; Totaltravel Premium: 10,000,000€. In case of an unforeseeable vital emergency arising from a pre-existing chronic or congenital condition, only costs of an initial urgent care intervention within the first 24 hours of hospital admission are covered. Dental costs are limited to 120€ unless otherwise indicated in the particular conditions.

Asistencia médica y sanitaria: 10.000.000 €.

[198] Medical transport: Unlimited ↩

Covers transfer costs to the nearest clinic or hospital, coordination by the insurer's medical team, and transport of the injured or ill person by the most appropriate means to the prescribed hospital or the insured's habitual residence. The means of transport is decided by the insurer's medical team based on urgency and severity. If the insured refuses transfer on the insurer's terms, all guarantees are automatically suspended. The insurer is subrogated in the rights of the insured for unused return tickets. Unlimited across all tiers.

El ASEGURADOR se hará cargo de: a) Los gastos de traslado hasta la clínica u hospital más próximo. b) El control por parte de su Equipo Médico... c) Los gastos de traslado del herido o enfermo, por el medio de transporte más adecuado, hasta el centro hospitalario prescrito o hasta su domicilio habitual.

[199] COVID-19 treatment: €200 ↩

If the insured presents symptoms compatible with COVID-19 during travel and a doctor prescribes a PCR test, the insurer reimburses the cost up to 200€, subject to presentation of the test purchase invoice and hospital invoice. Home rapid tests and self-testing are excluded. Additional coverage of up to 1,200-1,500€ is provided for extended stay due to COVID-19 medical quarantine in destination accommodation. Available in standard and Annual tiers. Also available in Premium per IPID.

En caso de que el ASEGURADO, estando de viaje, presente síntomas compatibles con la enfermedad COVID-19 y un médico prescriba la realización de un PCR, el ASEGURADOR reembolsara al ASEGURADO el coste de la realización de dicha prueba...

[200] Personal liability: €50,000 – €100,000 ↩

Covers monetary compensation the insured may be required to pay for involuntary bodily injury or material damage caused to third parties, their animals or possessions during the trip, in accordance with Articles 1,902–1,910 of the Spanish Civil Code. Limits vary by tier: Totaltravel Annual Mini: 50,000€; Totaltravel Annual (standard) and Totaltravel (temporal standard): 80,000€; Totaltravel Premium: 100,000€. Limit includes court costs and judicial bonds. Excludes: motor vehicle, aircraft or vessel use; firearms use; professional, union, political or associative activities; fines; professional sports and listed amateur sports (mountaineering, boxing, parachuting, polo, rugby, archery, yachting, martial arts, motor sports).

Responsabilidad civil privada: 50.000 €.

[201] Emergency dental: €120 ↩

Covers urgent dental problems caused by infection, pain or trauma requiring emergency treatment. The default limit is 120€ unless a different limit is indicated in the particular conditions of the policy. Available in all tiers.

Salvo que se indique un límite distinto en las Condiciones Particulares de la Póliza, los gastos odontológicos se limitan a 120€.

[202] Search & rescue: €15,000 ↩

Covers amounts claimed for search operations conducted by community or public/private relief organisations in the event of accident, loss or disappearance of the insured within a ski resort or designated alternative tourism/sports activity area. The first 120€ is borne by the insured. Limit: 15,000€.

Búsqueda y rescate del asegurado: 15.000 €.

[203] Legal assistance: €2,000 ↩

Available in Totaltravel (temporal ESC50-S26) and Totaltravel Annual standard/Premium tiers. Includes: advance of criminal bail required abroad (up to 2,000€ for traffic accidents), payment of legal assistance costs incurred abroad (up to 2,000€), claims for breach of purchase contracts abroad (up to 2,000€), personalised legal advice by phone during the trip, drafting of extrajudicial letters and contracts (up to 2,000€), legal advice in proceedings for home occupancy during the trip, and will/testamentary advisory. Amounts advanced must be returned within 30 days. Not present in Totaltravel Annual Mini tier.

Si el ASEGURADO es encarcelado o procesado como consecuencia de un accidente de circulación ocurrido en el extranjero, el ASEGURADOR le concederá un anticipo equivalente al importe de la fianza penal exigida por las autoridades correspondientes, hasta el límite indicado en las Condiciones Particulares de la Póliza.

[204] Emergency medical treatment: €2,500 – €10,000,000 ↩

Emergency care by medical teams and specialists is expressly included within the medical and healthcare assistance guarantee. Limits are the same as for medical_expenses and vary by tier: Mini (España 2,500€ / Europa 100,000€ / Mundo 250,000€), standard temporal (5,000,000€), Annual standard (2,500,000€), Premium (10,000,000€). Insurer obligations end when the insured returns home or is admitted to a prescribed health centre corresponding to their habitual residence.

El ASEGURADOR tomará a su cargo los gastos correspondientes a la intervención de los profesionales y establecimientos sanitarios que necesite el ASEGURADO, durante el viaje, como consecuencia de una enfermedad o accidente sobrevenido en el transcurso del mismo.

[205] Hospitalization: €2,500 – €10,000,000 ↩

Hospitalisation, treatments and surgical interventions are expressly included within the medical and healthcare assistance guarantee. Limits follow those of medical_expenses by tier and territorial scope. Hospitalisation is defined as admission to a ward with at least one overnight stay; stays solely in accident and emergency areas are not included. The insurer may extend policy coverage if the insured cannot return on the scheduled date due to an unforeseen accident or illness occurring during the trip.

Quedan expresamente incluidos, sin que la enumeración tenga carácter limitativo, los siguientes servicios: ... c) Hospitalizaciones, tratamientos e intervenciones quirúrgicas.

[206] Outpatient treatment: €2,500 – €10,000,000 ↩

Supplementary medical examinations and pharmaceutical costs for injuries or illnesses not requiring hospitalisation are expressly covered within the medical and healthcare assistance guarantee. The same overall limits by tier apply. Pharmaceutical expenses must be prescribed by a physician; the insurer does not cover any medical or pharmaceutical expense below 9€.

Gastos farmacéuticos durante la hospitalización, o reintegro de su costo, en lesiones o enfermedades que no requieran hospitalización.

[207] Medical evacuation: Unlimited ↩

Medical evacuation is included within the repatriation or medical transport guarantee. It includes transfer to a more appropriate hospital and, where medically required, to the insured's home country. The insurer's medical team determines the mode of transport (including air ambulance if medically justified). Unlimited across all tiers. Note: use of a medical aircraft is specifically stated to be restricted to European countries and Mediterranean rim countries in the Totaltravel Annual Mini IPID.

El medio de transporte utilizado en cada caso se decidirá por el Equipo Médico del ASEGURADOR en función de la urgencia y gravedad del caso.

[208] Repatriation of remains: Unlimited ↩

In the event of the insured's death, the insurer organises and covers all costs of transferring the body to the place of burial at the insured's country of habitual residence, including post-mortem preparation in accordance with legal requirements. Funeral and burial ceremony costs are not included. The insurer also covers the return of insured family members accompanying the remains. Unlimited across all tiers.

En caso de fallecimiento de un ASEGURADO, el ASEGURADOR organizará y se hará cargo de los gastos del traslado del cuerpo hasta el lugar de inhumación en su lugar de residencia habitual... No estarán comprendidos los gastos de inhumación y ceremonia.

[209] Pre existing conditions: Excluded ↩

Pre-existing or chronic conditions (any pathology whose symptoms began before the policy was contracted, even without a definitive diagnosis) are generally excluded. Exception: in the event of a life-threatening vital emergency arising from an unforeseeable complication of a chronic, pre-existing or congenital condition, the insurer covers only the costs of an initial urgent care intervention within the first 24 hours following admission to hospital. For the travel cancellation guarantee, chronic/pre-existing conditions that have suffered exacerbations within the 30 days prior to policy contracting are excluded. In Annual Multi-Trip policies, any condition suffered prior to the trip start date is excluded.

Salvo lo indicado en las garantías de asistencia de estas Condiciones Generales, los hechos, dolencias y enfermedades crónicas, preexistentes o congénitas, así como sus consecuencias padecidas por el ASEGURADO con anterioridad al efecto de la póliza...

[210] Winter sports cover: Optional ↩

Winter sports including skiing, snowboarding, freestyle skiing, ski mountaineering, snowshoes, skijoring, ice skating, crampons on ice and related activities are covered only if the 'Trip with sports activity' extension ('Viaje con actividad deportiva') is contracted and expressly stated in the particular conditions. Without this extension, any sports activity is excluded from the assistance coverage. The extension also activates search and rescue coverage (up to 15,000€, with 120€ excess). Standard Totaltravel base policy does not include winter sports by default.

Se excluyen expresamente las actividades realizadas en alturas superiores a 5.000 metros, todos los deportes aéreos (excepto los descritos anteriormente) así como actividades submarinas con inmersión a más de 30 metros de profundidad.

[211] Adventure sports cover: Covered ↩

A broad range of alternative tourism activities are covered as standard without additional premium: running, hot-air ballooning, kayaking, trekking, hiking, snorkelling, surfing, sailing, safari, horseback/camel riding, Segway, helicopter tours, bamboo rafting, elephant rides, land yachting, cycling, zip-lining, assault courses, banana boating, octopush, ringos, sand skiing, wakeboarding, tree canopy walks, swimming with dolphins, wind tunnel flying, zorbing, hydro zorbing, and similar activities, as long as they are not the main purpose of the trip. Activities above 5,000 metres altitude, all aerial sports (except those listed), and underwater activities at depths greater than 30 metres are expressly excluded. Coverage is extended to 5,300 metres for organised recreational tourist excursions meeting specific conditions in the Totaltravel (ESC50-S26) product. Higher-risk sports (professional competitions, motorsports, parachuting, mountaineering, boxing, etc.) require the paid sports extension.

Las actividades de Turismo Alternativo cubiertas son: running, globo, kayak, trekking, senderismo, snorkel, surf, vela, safari, paseo a caballo/camello, segway, excursión en helicóptero, bamboo rafting, ruta en elefante, carrovelismo, bicicleta, tirolina...

[212] Pregnancy complications: Conditional ↩

Unforeseeable complications during the first 24 weeks of gestation are covered under the medical assistance guarantee. Pregnancies and births are otherwise excluded. For the travel cancellation guarantee, serious complications or involuntary miscarriage requiring rest or hospitalisation are covered if they arise after the insurance was contracted; complications from the 7th month of gestation (28 weeks) and planned deliveries are excluded. Premature birth before 29 weeks is a covered cancellation cause.

Complicaciones graves en el estado del embarazo o aborto espontáneo de la ASEGURADA que, a juicio de un profesional médico, le obliguen a guardar reposo o requieran su hospitalización. Se excluyen partos y complicaciones del embarazo a partir del séptimo mes de gestación.

[213] Medical expenses: €75,000 – €500,000 ↩

Covers hospitalization, surgery, medical fees, nursing care and prescribed medications for the insured displaced outside Spain until stabilization allowing travel continuation or transfer home, up to the limit set in the policy. Medical assistance limit ranges from 75,000 EUR to 500,000 EUR depending on territorial scope selected at purchase.

[214] Medical transport: Unlimited ↩

The insurer covers medical transport or repatriation of the displaced insured to a suitably equipped medical centre or their habitual residence, when deemed necessary by the insurer's medical team. Air ambulance is available within Europe and Mediterranean rim countries. Air ambulance is explicitly excluded for routes outside the Europe/Mediterranean territorial scope.

[215] COVID-19 treatment: Not established from the reviewed documents ↩

The reviewed policy documents do not contain a specific clause addressing COVID-19 treatment.

[216] Personal liability: Optional ↩

Personal civil liability coverage is available as an optional add-on to the Segurviaje Temporal product. It covers third-party bodily injury and property damage claims caused by the insured during travel.

[217] Emergency dental: Not established from the reviewed documents ↩

The policy documents reviewed for the Segurviaje Temporal product do not establish a specific limit for emergency dental treatment.

[218] Search & rescue: Excluded ↩

Rescue costs (e.g. mountain rescue) and costs arising from conditions or injuries that can be treated on-site and do not prevent continuation of the journey are expressly excluded from the travel assistance coverage.

[219] Legal assistance: Covered ↩

Legal assistance (defensa jurídica) is included in the Segurviaje Temporal product, covering legal defence outside the habitual country of residence and legal defence in contracts concluded in Spain. Exact limits are defined in the policy's particular conditions.

[220] Emergency medical treatment: €75,000 – €500,000 ↩

Covers urgent medical care by illness or accident while the insured is travelling outside Spain, including surgical interventions, medical fees, nursing and prescribed pharmaceuticals. The insurer's medical team supervises care by phone. Coverage limit ranges from 75,000 to 500,000 EUR depending on territorial scope.

[221] Hospitalization: €75,000 – €500,000 ↩

Hospitalization costs abroad are covered as part of the emergency medical assistance benefit, including hospital stay, surgical procedures, medical fees and nursing care, up to the overall medical assistance limit.

[222] Outpatient treatment: Covered ↩

Outpatient medical care costs (medical fees, prescribed medications) are covered as part of the overall emergency medical assistance benefit when required urgently during travel outside Spain.

[223] Medical evacuation: Unlimited ↩

Medical evacuation is included as part of the medical transport and repatriation benefit. The insurer's medical team decides the destination centre and means of transport. Air ambulance is restricted to the Europe and Mediterranean rim scope; evacuations outside this area may not use air ambulance.

[224] Repatriation of remains: Unlimited ↩

In the event of the insured's death outside Spain, the insurer handles formalities and covers essential transport costs to the place of burial, cremation or funeral ceremony at the insured's habitual residence. Burial, cremation or funeral ceremony costs themselves are excluded. The insurer also covers repatriation of up to six accompanying insured persons.

[225] Pre existing conditions: Conditional ↩

In the event of a vital emergency derived from a pre-existing or chronic illness, the insurer covers only the costs of first-aid treatment until stabilization. Routine or planned treatment of pre-existing conditions is not covered. Pre-existing conditions are defined as any illness or injury whose symptoms began before the policy was taken out and that is known to the insured or their family.

[226] Winter sports cover: Excluded ↩

Winter sports (skiing, snowboarding) are not included in the standard Segurviaje Temporal product. MAPFRE offers a dedicated 'Segurviaje Esquí y Snow' product for this purpose.

[227] Adventure sports cover: Excluded ↩

Adventure and risk sports are not included in the standard Segurviaje Temporal product. MAPFRE offers a dedicated 'Segurviaje Aventura' product covering activities such as diving, mountaineering and hiking.

[228] Pregnancy complications: Conditional ↩

Medical assistance for newborns (neonates, up to 28 days old) not named in the policy as insured persons is only covered in the case of births occurring during travel due to unforeseeable pregnancy complications, up to a combined limit of 30% of the insured mother's capital sum. Repatriation/transfer of the neonate is also covered in such cases.

[229] Medical expenses: €12,000 ↩

Covers medical expenses (doctors, surgeons, hospitals/clinics), prescribed medications, hospitalization costs, and local ambulance ordered by a doctor, all originated outside Spain and provided through SANITAS-designated centers. Maximum €12,000 per insured person per policy year. Expenses below €3 are excluded. This aggregate limit applies jointly to all medical services under this coverage.

12.000€ por persona y año.

[230] Medical transport: Covered ↩

SANITAS covers transport of the ill or injured insured under medical supervision to the nearest treatment point where the required treatment can be performed. SANITAS medical service decides the means of transport and the destination medical center. Local ambulance ordered by a doctor also covered within medical expenses. No monetary sub-limit stated separately; included within aggregate €12,000 limit.

SANITAS tomará a su cargo dicho traslado bajo observación médica hasta el punto de asistencia en el que sea posible efectuar el tratamiento

[231] COVID-19 treatment: Conditional ↩

Illness arising from an officially declared epidemic is excluded (Cláusula III.B). Otherwise, an acute illness abroad is treated like any other emergency within the €12,000 annual limit.

guerras civiles, internacionales, actos de carácter terrorista en cualquiera de sus formas (química, biológica, nuclear, etc.), revoluciones y maniobras militares, aún en tiempo de paz, y epidemias declaradas oficialmente.

[232] Personal liability: Excluded ↩

Personal liability coverage is not included in the Néctar Contigo abroad coverage section. The legal assistance provision (item 11) covers only legal costs arising from traffic accidents, and the bail advance (item 12) is a loan, not a liability indemnification.

[233] Emergency dental: €300 ↩

Emergency dental expenses abroad are covered up to a maximum of €300 per insured. Excluded: endodontics, aesthetic reconstructions of prior treatments, oral cleaning, prostheses, crowns and implants.

gastos odontológicos considerados de urgencia hasta un máximo de 300€ por asegurado, quedando excluido los gastos correspondientes a: endodoncias, reconstrucciones estéticas de tratamientos anteriores, limpieza bucal, prótesis, fundas e implantes

[234] Search & rescue: Excluded ↩

No search and rescue coverage is stated in the Néctar Contigo abroad coverage section. The baggage search service (item 8) is administrative assistance for lost luggage, not search and rescue.

[235] Legal assistance: €1,500 ↩

SANITAS pays up to €1,500 for lawyer and court representative fees arising from legal assistance following a traffic accident abroad. This coverage applies only when the insured is imprisoned or prosecuted as a result of a traffic accident. If this benefit is also covered by the vehicle insurance policy, the payment is treated as an advance that the insured must repay to SANITAS, which may ask for a guarantee. A bail advance of up to €10,000 is also available as a loan (item 12).

Si esta prestación estuviera cubierta por la Póliza de Seguros del vehículo, la misma tendrá la consideración de anticipo y SANITAS se reservaría el derecho a solicitar aval o garantía del Asegurado que asegure el cobro del anticipo.

[236] Emergency medical treatment: €12,000 ↩

Urgent medical and surgical treatment by doctors, surgeons and hospitals abroad for illness or accident. Prior authorization required before any treatment (except vital emergencies). Covered within the €12,000 aggregate annual limit. For vital emergencies, the insured may attend the nearest clinic and must notify SANITAS within 7 days.

Es imprescindible para poder cubrir esta asistencia, que el Asegurado esté al corriente de pago y que, antes de que se le realice ninguna prestación médica (salvo urgencia vital), contacte con Sanitas y solicite autorización previa

[237] Hospitalization: €12,000 ↩

Hospitalization costs abroad are included as part of the emergency medical expenses coverage, subject to the aggregate €12,000 per person per year limit.

Gastos de hospitalización

[238] Outpatient treatment: €12,000 ↩

Outpatient medical consultations and treatment by doctors and specialists abroad are covered as part of the emergency medical expenses guarantee, within the €12,000 aggregate annual limit.

los gastos médicos (de médicos, cirujanos y hospitales/clínicas)

[239] Medical evacuation: Covered ↩

Covered as part of the medical transport guarantee (item 2 of the abroad coverage): SANITAS organizes and covers transport of the insured under medical supervision to the appropriate treatment point. The SANITAS medical service decides the means of transport. No separate monetary sub-limit stated; included within the aggregate coverage framework.

El servicio médico de SANITAS será el que decida y elija el medio de transporte y el centro médico/hospital al que debe acudir el Asegurado, conforme a las exigencias de orden médico que apliquen al caso.

[240] Repatriation of remains: Covered ↩

In case of death of the insured abroad, SANITAS organizes and covers the transfer of the coffin to the place of burial in the country of habitual residence, including the minimum obligatory coffin, embalming, and administrative formalities. Upon request of beneficiaries, SANITAS also covers cremation at the place of death and transport of ashes to the country of habitual residence. Funeral and burial costs are excluded.

En caso de fallecimiento del Asegurado, SANITAS organizará y tomará a su cargo el traslado del féretro hasta el lugar de su inhumación... SANITAS no tomará a su cargo los gastos de funeral e inhumación.

[241] Pre existing conditions: Excluded ↩

Expenses caused by the diagnosis or treatment of a physiological condition or illness already known before the trip start date are excluded, unless it is a clear and unforeseeable complication. Treatments prescribed in Spain before departure are also excluded. Mental illnesses and chronic diseases that have caused health alterations in the insured are also excluded.

los gastos ocasionados por el diagnóstico o el tratamiento de un estado fisiológico o enfermedad ya conocida antes de la fecha de la iniciación del viaje, a menos que sea una complicación clara o imprevisible; los tratamientos prescritos en España; las enfermedades mentales y las crónicas que hayan provocado alteraciones en la salud del Asegurado.

[242] Winter sports cover: Conditional ↩

On-piste skiing and snowboarding are not excluded. Cláusula III.B excludes only specific winter risk activities: off-piste skiing or skiing with ski-jumps ("esquí fuera de pista o con saltos de trampolín") and bobsleigh ("el bobsleigh"), as well as any competitive skiing event. Injuries from those specific activities are not covered under this policy.

esquí fuera de pista o con saltos de trampolín, el bobsleigh, escalada, boxeo, lucha en cualquiera de sus modalidades, toreo y encierro de reses bravas

[243] Adventure sports cover: Excluded ↩

Injuries from practicing high-risk adventure sports as an amateur are explicitly excluded under Cláusula III.B. Listed excluded sports include: aerial activities, motor vehicle speed trials, scuba diving, bobsleigh, climbing, boxing, martial arts, bullfighting, rugby, quad, speleology, water navigation, rafting, bungee jumping, hydrospeed, canyoning, parachuting, paragliding, ballooning, free flying, gliding, hunting, horse riding, and any similarly risky activity.

actividades aéreas, pruebas de velocidad con vehículos a motor, submarinismo, esquí fuera de pista o con saltos de trampolín, el bobsleigh, escalada, boxeo, lucha en cualquiera de sus modalidades, toreo y encierro de reses bravas, artes marciales, rugby, quad, espeleología, actividades de navegación o en aguas bravas, rafting, puenting, hidrospeed, barranquismo, paracaidismo, parapente, aerostación, vuelo libre, vuelo sin motor, caza, hípica

[244] Pregnancy complications: Conditional ↩

An unforeseeable pregnancy complication arising abroad is covered as a general medical emergency within the €12,000 annual limit, like any other illness. Routine pregnancy care and planned deliveries abroad are not covered.

los gastos ocasionados por el diagnóstico o el tratamiento de un estado fisiológico o enfermedad ya conocida antes de la fecha de la iniciación del viaje, a menos que sea una complicación clara o imprevisible

[245] Medical expenses: €150,000 ↩

Covers unforeseen illness or accident during travel outside habitual country of residence: medical and diagnostic tests authorized by the insurer's medical team, hospitalization costs, prescribed medications during first medical assistance (not chronic/extended treatments), and local ambulance ordered by a doctor. Limit of 150,000 EUR per insured person per contracted period. Minimum reimbursable amount: 50 EUR. This is an assistance insurance, not private health insurance — only emergency medical expenses for accident or unforeseen illness during travel are covered.

[246] Medical transport: €6,000 ↩

Emergency transfer to the nearest hospital (round trip from hotel) is included at no additional cost when organized by OCASO (clause 1.3). Sanitary transfer of sick or injured persons to the best-equipped hospital near the habitual residence is included when organized by OCASO using air ambulance (Europe and Mediterranean only), train, helicopter, ambulance, or scheduled flight (clause 1.6). If the transfer is not organized by OCASO, reimbursement is limited to 6,000 EUR. Hotel stay prolongation due to illness/accident (not requiring hospitalization): 145 EUR/day for maximum 14 days (clause 1.4).

[247] COVID-19 treatment: €150,000 ↩

COVID-19 is treated as any other illness under this policy. Medical and hospital assistance if the insured falls ill from COVID-19 is covered. Diagnostic PCR test is covered if the insured shows symptoms, or if required by a hospital/medical center for treatment of another illness or accident. Transfer of remains if the insured dies from COVID-19 is covered (subject to no legal or governmental impediments). Extended hotel stay if ill (but not requiring hospitalization) is covered when prescribed by a doctor. Restrictions on movement as a result of COVID pandemic (lockdowns, border closures, states of emergency, generalized quarantines) are excluded. Limits are those of the affected coverages (up to 150,000 EUR for medical expenses).

[248] Personal liability: €30,000 ↩

Covers economic compensation up to 30,000 EUR if the insured is responsible for causing involuntary bodily or material damage to a third party during travel. Includes compensation, court costs and legal expenses, and judicial bonds. Calculated per Spanish Civil Code (articles 1902-1910) or equivalent foreign law. Excluded: liability from driving motor vehicles, aircraft or boats; professional/union/political/associative activities; dangerous or high-risk sports; fines or sanctions; damage to objects entrusted to the insured; damage suffered by the insured, the policyholder, co-insured, or their family members/cohabitants/partners/employees.

[249] Emergency dental: €500 ↩

Emergency dental treatment (dentist/orthodontist fees) covered up to 500 EUR, within the overall medical expenses limits. Excluded: endodontics, aesthetic reconstructions of prior treatments, prosthetics, crowns, and implants.

[250] Search & rescue: Excluded ↩

Rescue of persons in mountains, ravines, sea, or desert is explicitly excluded under General Exclusions (point 16) and under the Accident Insurance section (point h of exclusions). This exclusion applies generally to all policy coverages.

[251] Legal assistance: €3,000 ↩

If the insured suffers a traffic accident abroad and requires legal assistance, OCASO pays attorney and procurator fees up to 3,000 EUR (clause 5.5). An advance on bail bond required by foreign authorities due to a traffic accident is also covered up to 3,000 EUR (clause 5.4). If the insured already has this coverage in their vehicle insurance policy, the payment is considered an advance to be repaid when the vehicle insurer pays.

[252] Emergency medical treatment: €150,000 ↩

Emergency medical and surgical treatment covered up to 150,000 EUR per insured abroad. Covers diagnostic tests, hospitalization, prescribed medications from first medical assistance, and local ambulance transport. Pre-existing and chronic conditions are excluded. Must notify insurer as soon as possible (maximum 7 days). Minimum reimbursable amount is 50 EUR.

[253] Hospitalization: €150,000 ↩

Hospitalization costs are covered within the overall 150,000 EUR medical expenses limit (clause 1.1). Additionally, a daily hospitalization indemnity of 30 EUR/day is paid from day 11 onwards (maximum 10 days) when hospitalized outside the province of habitual residence (clause 1.20). For hospitalization over 5 days (or 2 days for minors) without a direct family member present, the insurer also covers transport and accommodation for a companion sent from habitual residence.

[254] Outpatient treatment: €150,000 ↩

Outpatient medical consultations, diagnostic tests, and prescribed medications for unforeseen illness or accident during travel are covered within the overall 150,000 EUR medical expenses limit (clause 1.1). Only emergency medical care is covered; routine, preventive, or aesthetic treatments are excluded. Minimum reimbursable amount: 50 EUR.

[255] Medical evacuation: €6,000 ↩

Medical evacuation to the best-equipped hospital near habitual residence or to the habitual residence is included when organized by OCASO. Means include air ambulance (Europe and Mediterranean countries only), train, medical helicopter, ambulance, scheduled flight, or any other means deemed most appropriate by OCASO's medical team (clause 1.6). If not organized by OCASO, reimbursement is limited to 6,000 EUR. The insured must accept the evacuation decided by OCASO's doctors; refusal cancels all related coverages.

[256] Repatriation of remains: €6,000 ↩

If the insured dies during travel for any reason, OCASO will transfer mortal remains or ashes to the country of habitual residence, to the burial or cremation site within the municipality of habitual residence. Included costs: transfer of remains, embalming, minimum required coffin, administrative procedures. Funeral home and burial costs are not covered. In case of cremation at the place of death: cost of cremation and urn transfer are covered. Burial costs in Spain: up to 1,200 EUR (tanatorio, burial unit, floral arrangements). If repatriation is not organized by OCASO, reimbursement limited to 6,000 EUR. A companion for the return journey of remains is also covered (clause 1.19): accommodation 200 EUR/day max 10 days.

[257] Pre existing conditions: Excluded ↩

Pre-existing and chronic conditions are explicitly not covered. A pre-existing condition is defined as any illness, ailment or injury previously diagnosed or treated by a doctor, or presenting symptoms, that manifests during the trip and requires medical assistance. Chronic conditions (lasting 3 months or more) are also excluded. Events caused by pre-existing conditions known and not declared at contract formation are excluded per the IPID.

[258] Winter sports cover: Excluded ↩

Consequences derived from the practice of winter sports are explicitly excluded under General Exclusions (point 20). Ski and ice hockey/skating are also listed among excluded amateur sports in the accident insurance exclusions.

[259] Adventure sports cover: Excluded ↩

Professional practice of any sport and amateur practice of the following are excluded: mountaineering (all types), glacier access, caving/speleology, rafting, bungee jumping, hydrospeed, canyoning, nautical/underwater sports and scuba diving, hunting, equestrian sports, aerial sports (parachuting, hang gliding, hot-air balloon, gliding), bullfighting events, boxing, weightlifting, wrestling and martial arts. Any sport or recreational activity that is clearly dangerous or high-risk is generally excluded. The insured may participate as an amateur in non-dangerous, non-professional, non-competitive recreational sports.

[260] Pregnancy complications: Conditional ↩

Pregnancy, voluntary termination, and childbirth are excluded except for urgent medical care occurring strictly before week 26 of gestation (General Exclusion point 9). Trip cancellation due to pregnancy complications or miscarriage is covered as a named cancellation cause (cause 4 of clause 2.1).

[261] Medical expenses: €30,000 ↩

Covers medical and surgical fees, prescribed pharmaceutical costs, and hospitalisation expenses incurred abroad as a result of illness or accident (clause 1.4). Maximum 30,000 EUR per insured per event. Expenses incurred in the country of origin are explicitly excluded.

La cantidad máxima cubierta por Asegurado, para el conjunto de los citados gastos que se produzcan en el extranjero, es de 30.000 euros.

[262] Medical transport: Covered ↩

The insurer organises and covers sanitary transport of the injured or ill insured to the most suitable hospital facility, including air ambulance in Europe and Mediterranean countries when urgency requires it, or scheduled airline/fastest available means elsewhere in the world (clause 1.1). No numeric limit is stated; the medical team decides transport mode. Also covers subsequent transfer home once medically possible.

El Asegurador organizará y tomará a su cargo el transporte del mismo por el medio más idóneo, incluso bajo vigilancia médica si procede, hasta el Centro Hospitalario que disponga de las instalaciones necesarias.

[263] COVID-19 treatment: Excluded ↩

The policy excludes illness arising in the context of an epidemic or pandemic declared as such by the WHO or any governmental or health authority at the place of loss.

la enfermedad se enmarque en el contexto de una Epidemia o Pandemia, declarada como tal por la Organización Mundial de la Salud o cualquier autoridad gubernamental o sanitaria del lugar donde se haya producido el siniestro.

[264] Personal liability: See details ↩

Personal liability coverage is not included in the assistance or cancellation guarantees of this policy.

[265] Emergency dental: Not established from the reviewed documents ↩

Emergency dental treatment is not mentioned anywhere in the 2026 general conditions, so its coverage status is not stated. The only related clause is the exclusion of aesthetic treatments and all types of prostheses (p.14).

Los tratamientos estéticos y todo tipo de prótesis, lentes y aparatos ortopédicos en general.

[266] Search & rescue: Excluded ↩

Explicitly excluded: consequences derived from the practice of risk sports and the rescue of persons at sea, in mountains or in desert areas.

Las consecuencias derivadas de la práctica de deportes de riesgo y el rescate de personas en mar, montaña o desierto.

[267] Legal assistance: See details ↩

Legal assistance is not provided as a coverage in this policy's assistance guarantee. The policy provides a medical information helpline (clause 1.11) and travel information service (clause 1.10) but no legal defence or legal assistance cover.

[268] Emergency medical treatment: €30,000 ↩

Emergency medical treatment is covered as part of the aggregate 30,000 EUR medical expenses limit (clause 1.4). The insured must call the 24-hour central (+34 91 572 44 27) to activate assistance.

Es condición indispensable para la prestación de los servicios descritos en las cláusulas siguientes, que el Asegurado solicite los mismos a los teléfonos de la Central Permanente 24 horas: Número de teléfono: + 34 91 572 44 27

[269] Hospitalization: €30,000 ↩

Hospitalisation costs abroad are covered within the aggregate 30,000 EUR limit per insured (clause 1.4c). If hospitalisation lasts more than 10 days, the insurer also arranges and covers a return round-trip ticket for a family member or designated person to accompany the insured at repatriation (clause 1.3).

Si el estado del Asegurado enfermo o herido requiere su hospitalización durante un periodo superior a 10 días, el Asegurador pondrá a disposición de un familiar del Asegurado o de la persona que éste designe, un billete de ida y vuelta, para que pueda acompañarlo en el momento de su repatriación.

[270] Outpatient treatment: €30,000 ↩

Outpatient medical and surgical fees, as well as prescribed pharmaceuticals, are covered as part of the aggregate 30,000 EUR limit for medical expenses abroad (clause 1.4a and 1.4b).

a) Los gastos y honorarios médicos y quirúrgicos b) Los gastos farmacéuticos prescritos por un médico

[271] Medical evacuation: Covered ↩

Medical evacuation is covered as part of clause 1.1 (sanitary transport). The insurer arranges and covers evacuation by the most appropriate means, including air ambulance in Europe and Mediterranean regions, or commercial airline/fastest available means for the rest of the world. No explicit monetary limit is stated; the insurer's medical team makes all transport decisions.

En cualquier supuesto, la decisión de realizar o no el traslado, y la elección de los medios de transporte utilizados corresponden al equipo médico del Asegurador.

[272] Repatriation of remains: Covered ↩

In the event of non-intentional death of the insured, the insurer organises and covers transport of the body to the place of burial in the country of origin (clause 1.6). Post-mortem treatment and legal conditioning costs are covered up to 600 EUR. Funeral and ceremony costs are explicitly excluded.

En caso de defunción por causas no intencionales del Asegurado, el Asegurador organizará y se hará cargo del traslado del cuerpo hasta el lugar de inhumación en el país de origen

[273] Pre existing conditions: Excluded ↩

Explicitly excluded: relapses of chronic diseases and situations derived from conditions or illnesses pre-existing at the start of travel. The policy's bases fundamentales state that the policy contains exclusions related to pre-existing illnesses.

Las recaídas de enfermedades crónicas y las situaciones derivadas de padecimientos o condiciones previas al inicio del viaje.

[274] Winter sports cover: Excluded ↩

Not covered. The policy explicitly excludes consequences derived from the practice of risk sports. Winter sports (e.g. skiing, snowboarding) are classified as risk sports and therefore excluded.

Las consecuencias derivadas de la práctica de deportes de riesgo y el rescate de personas en mar, montaña o desierto.

[275] Adventure sports cover: Excluded ↩

Not covered. The policy explicitly excludes consequences derived from the practice of risk sports ("deportes de riesgo") and rescue of persons at sea, in mountains or desert. No adventure or extreme sports are covered.

Las consecuencias derivadas de la práctica de deportes de riesgo y el rescate de personas en mar, montaña o desierto.

[276] Pregnancy complications: Excluded ↩

Pregnancy complications (medical assistance) are excluded from the travel assistance guarantee from the third month of gestation onwards, as well as periodic obstetric check-ups. Childbirth at any stage is excluded. Under the cancellation guarantee (article 2, clause 16), pregnancy complications as a cancellation reason are covered up to the 5th month, but that is a separate cancellation benefit, not a medical expenses coverage.

Los partos y las complicaciones de embarazos a partir del tercer mes, así como las revisiones obstétricas periódicas.

[277] Medical expenses: €100,000 – €1,000,000 ↩

Covers hospitalization costs, medical and surgical fees, and cost of prescribed medications and vaccines abroad, per person per claim. Limits vary by tier: Travel Complet Europa Puntual: 50,000€; Travel Plus Puntual: 500,000€; Travel Premium: 1,000,000€. Coverage applies only to expenses incurred abroad (not in Spain).

el RACC se hará cargo de los gastos médicos únicamente en el extranjero hasta un máximo de 50.000 €, impuestos incluidos, por persona y siniestro

[278] Medical transport: Covered ↩

RACC covers transport costs to the nearest clinic or hospital abroad, inter-hospital transfers as determined by its medical team, and transport or repatriation home when the injured or ill member is discharged. The mode of transport is decided by RACC's medical team based on urgency and severity. No euro cap is stated for this service; it is included as a coordinated service. Transport of companion family members is also covered when applicable.

Poner a su disposición un equipo médico que, en contacto con el servicio médico que lo atiende, determinará conjuntamente el mejor tratamiento a seguir, así como su traslado a otro centro hospitalario.

[279] COVID-19 treatment: Conditional ↩

COVID-19 is not explicitly named as a covered or excluded illness. General sudden-illness coverage abroad would apply to a COVID-19 case, but the policy's force-majeure exclusion explicitly lists pandemics among the events for which RACC is not liable, so pandemic-related claims may be denied.

El RACC no responderá de los siniestros ocurridos en casos de fuerza mayor (guerra, manifestaciones y movimientos populares, actos de terrorismo y sabotaje, huelgas, motines, restricciones a la libre circulación, así como terremotos, irradiaciones nucleares, pandemias y otros fenómenos catastróficos).

[280] Personal liability: €30,000 ↩

Covers the insured's obligation to compensate for personal injury damages involuntarily caused to third parties during covered trips, up to 30,000€ per claim, in accordance with articles 1,902 et seq. of the Spanish Civil Code. The first 90.15€ is borne by the insured. Coverage applies when no sport or high-risk activity or bicycle is being practiced. Available in Travel Plus Puntual and Travel Premium. Not present in Travel Complet Europa Puntual. Civil liability for bicycle and electric scooter accidents is handled separately via [email protected].

El asegurador garantiza el pago hasta el límite de 30.000 €, de las indemnizaciones derivadas de la Responsabilidad Civil Extracontractual del Asegurado

[281] Emergency dental: Conditional ↩

Routine dental treatment and aesthetic dental procedures are explicitly excluded. Dental emergencies are covered only when they constitute a medical emergency previously approved by RACC. No specific dental sublimit is stated; any covered dental emergency would fall under the overall medical expenses limit.

Queda excluido cualquier tipo de gasto médico con fines terapéuticos, de tratamiento estético o de tipo odontológico (en este último, únicamente quedarán cubiertos los gastos derivados de una urgencia médica previamente aprobada por el RACC).

[282] Search & rescue: Excluded ↩

Maritime rescue costs when the member is travelling on a vessel are explicitly excluded in all three tiers. Mountain or on-piste rescue is also excluded in all tiers for winter sports activities. Transport of the injured person to the nearest hospital (from the point of a traffic accident) is covered, but organized rescue operations (intervention within and outside ski runs) are explicitly excluded.

Los gastos de rescate marítimo cuando el socio o cualquier miembro de su familia se encuentre viajando en una embarcación.

[283] Legal assistance: €1,500 ↩

Includes: (1) Telephone legal advisory service (Spanish law, Mon–Fri 9–21h) covering civil, criminal, labour, tax and administrative matters; (2) Drafting of consumer complaints; (3) Network of partner law firms (first visit free, 10% discount). Additionally, in case of a traffic accident abroad: advance payment of attorney/court costs up to 1,500€, interpreter costs up to 1,500€, and provisional bail bonds up to 7,000€ — all to be repaid by the member within 1 month. Available in all three tiers.

el RACC facilitará su defensa y le adelantará el importe de los gastos de abogado, de procurador y/o de las costas judiciales hasta un límite global de 1.500 €, impuestos incluidos.

[284] Emergency medical treatment: €50,000 – €1,000,000 ↩

Covers emergency medical, surgical, pharmaceutical and hospitalization expenses abroad, per person per claim. Limits vary by tier: Travel Complet Europa Puntual: 50,000€; Travel Plus Puntual: 500,000€; Travel Premium: 1,000,000€. A separate, lower limit of 1,200€ applies only to the first emergency medical assistance for incidents occurring during travel within Spain, which is subsidiary to Social Security coverage.

el RACC se hará cargo de los gastos médicos únicamente en el extranjero hasta un máximo de 50.000 €, impuestos incluidos, por persona y siniestro

[285] Hospitalization: Covered ↩

Hospital admission costs abroad are covered as a sub-component of the overall medical expenses limit. No separate sublimit is stated; the applicable cap is the overall medical expenses limit for the tier selected (50,000€ / 500,000€ / 1,000,000€). Convalescence accommodation in up to 3-star hotel for maximum 7 nights is also covered when medically prescribed.

el RACC se hará cargo de los gastos de alojamiento en un hotel de hasta 3 estrellas y durante un máximo de 7 noches

[286] Outpatient treatment: Covered ↩

Outpatient medical and surgical fees are covered as part of the overall medical expenses limit abroad (no separate sublimit stated). All prescribed medications and vaccines are included. All three tiers cover outpatient treatment within their respective overall limits.

[287] Medical evacuation: Covered ↩

Medical evacuation is included as part of the medical transport and repatriation benefit. RACC's medical team coordinates the most appropriate means of evacuation (including medically equipped aircraft when necessary) based on the urgency and severity of the case. No separate euro cap is stated. RACC must authorize all evacuations in advance through its 24-hour assistance center.

[288] Repatriation of remains: Covered ↩

If a member or covered family member dies during a trip, RACC handles all formalities at the place of death and arranges transport or repatriation of the body to the place of burial, provided it is within the province of residence. A round-trip ticket for a family member residing in Spain is also provided if the deceased was travelling alone, along with accommodation in up to 3-star hotel for maximum 5 nights. No euro cap is stated; provided as coordinated service. Funeral, coffin and ceremony costs are explicitly excluded.

el RACC se encargará de realizar las formalidades correspondientes en el lugar del fallecimiento, así como del transporte o repatriación del cadáver hasta el lugar de su inhumación, siempre que esta se efectúe dentro de la provincia de residencia.

[289] Pre existing conditions: Excluded ↩

Illnesses or injuries arising from chronic conditions or conditions pre-existing at the time of trip departure, as well as their complications or relapses, are explicitly excluded in all three tiers under the General Exclusions clause. Any type of chronic or pre-existing psychiatric illness is also excluded. Coverage applies only to sudden illnesses (enfermedades súbitas) and accidents occurring during the trip.

Las enfermedades o lesiones que se produzcan como consecuencia de padecimientos crónicos o sean previos al inicio del viaje, así como sus complicaciones o recaídas.

[290] Winter sports cover: Excluded ↩

Accidents and injuries arising from alpine skiing, cross-country skiing, artistic skiing, ski jumping, snowboarding, ice skating and all winter sports in general are explicitly excluded in all three tiers. Rescue operations (intervention within and outside ski runs) are also excluded. Exception: transport of the injured person to the nearest hospital is covered even without a winter sports package. A separate RACC Sport or RACC Sport Plus product is available for winter sports coverage.

Quedan excluidos con carácter general los accidentes y las lesiones ocasionados por la práctica del esquí alpino, esquí de fondo, esquí artístico, salto de esquí, snowboard y patinaje sobre hielo, y por la práctica de cualquier deporte de invierno en general, excepto en lo que se refiere a la prestación de traslado de heridos.

[291] Adventure sports cover: Excluded ↩

Adventure sports and tourist activities such as rafting, white-water canoeing, kayak, nautical skiing, windsurfing, trekking, risk cycling, 4x4, moto raid, quads, bungee jumping, canyoning, paragliding, heli-skiing, alpinism, climbing, scuba diving, parachuting, hang-gliding, ultra-light aircraft, speleology and contact sports (martial arts, rugby, ice hockey, lacrosse, etc.) are all explicitly excluded in all three tiers. A separate RACC Sport or RACC Sport Plus product is available for these activities.

Los siniestros ocasionados por actividades deportivas y turísticas de aventura, tales como el rafting, descenso de aguas bravas, piragüismo, canoa, kayak, esquí náutico, windsurf, trekking, senderismo o ciclismo de riesgo, auto 4x4, moto raid, quads, puenting, barranquismo, parapente, heliesquí, hidrobob, hidrotrineo, alpinismo, escalada, submarinismo, paracaidismo, ala delta, vuelo en ultraligeros, espeleología, etc.

[292] Pregnancy complications: Conditional ↩

Childbirth and pregnancies are explicitly excluded. However, unforeseeable complications during the first six months of gestation (up to and including week 24) are covered as an exception. Coverage beyond six months of gestation and full-term childbirth are excluded in all three tiers.

Los partos y embarazos, salvo complicaciones imprevisibles durante los seis primeros meses de gestación.

[293] Medical expenses: Covered ↩

Covers medical, surgical and hospitalization costs arising from an accident or unforeseeable illness during the trip, up to the limits indicated in the policy summary (resumen de tu póliza). Pharmaceutical expenses prescribed by a doctor for covered conditions are also included.

La Compañía toma a su cargo los gastos médicos, quirúrgicos y de hospitalización que el Asegurado deba satisfacer en caso de accidente o enfermedad de carácter no previsible, sufridos durante las fechas que comprenda el viaje, hasta los límites indicados en el resumen de tú póliza.

[294] Medical transport: Covered ↩

The Company covers transport of the injured or ill insured to the nearest appropriate hospital and, if necessary, to a hospital near their habitual residence in Spain, or to their home when hospitalization is not required. The Company's medical team decides the mode of transport and whether medical accompaniment is required. In Europe and Mediterranean rim countries a specially equipped air ambulance may be used.

la Compañía toma a su cargo el transporte del Asegurado hasta el hospital local más próximo y, en su caso, hasta un centro hospitalario mejor equipado o especializado cercano a su domicilio habitual en España, o hasta su propio domicilio cuando no necesite hospitalización.

[295] COVID-19 treatment: Not available ↩

[296] Personal liability: Covered ↩

The Company covers indemnities that the insured may be legally required to pay to third parties for bodily or material damage caused involuntarily during the trip. Coverage applies according to the legislation of the country where the insured is traveling. Also includes legal defense costs (lawyers and solicitors) and procedural costs, excluding fines and sanctions. Limits are indicated in the policy schedule.

La Compañía toma a su cargo las indemnizaciones que por daños corporales o materiales ocasionados involuntariamente por el Asegurado a terceros, puedan serle exigibles conforme a la legislación vigente en el país en que se encuentre de viaje.

[297] Emergency dental: Excluded ↩

Any dental expense is explicitly excluded from coverage under this policy, regardless of whether it arises from an emergency or accident.

Cualquier gasto odontológico.

[298] Search & rescue: Excluded ↩

Rescue of persons at sea, in pits, deserts or mountains is explicitly excluded from all assistance guarantees of this policy.

El rescate de personas en el mar, simas, desiertos o montañas.

[299] Legal assistance: Covered ↩

The Company provides a telephone legal advisory service to guide the insured on how to act in any unforeseen legal situation during the trip. Includes advance of judicial bail (penal bond) in foreign countries up to the limit in the policy schedule. The insured must repay the advance within 3 months.

La Compañía pone a disposición del Asegurado un servicio telefónico de asesoría jurídica para indicarle cómo actuar ante cualquier imprevisto que le pueda suceder durante un viaje.

[300] Emergency medical treatment: Covered ↩

Emergency medical care for urgent illness or accident during the trip, including medical, surgical and hospital expenses, covered up to the limits indicated in the policy summary. The Company must be contacted before any medical service is rendered, except in cases of vital emergency.

La Compañía toma a su cargo los gastos médicos, quirúrgicos y de hospitalización que el Asegurado deba satisfacer en caso de accidente o enfermedad de carácter no previsible, sufridos durante las fechas que comprenda el viaje.

[301] Hospitalization: Covered ↩

Hospitalization costs are included within the medical expenses guarantee (Art. 3.1.1). The Company manages the search for and admission to the most appropriate hospital. Coverage ends when the insured returns to their habitual residence or is repatriated to a hospital near their home.

La Compañía gestionará la búsqueda del médico y/o el ingreso en el hospital más adecuado.

[302] Outpatient treatment: Covered ↩

Outpatient medical and surgical treatment during the trip is included within the medical expenses guarantee. This includes pharmaceutical expenses prescribed by the treating physician.

La Compañía toma a su cargo los gastos farmacéuticos necesarios por prescripción médica para el tratamiento de patologías cubiertas por la presente póliza.

[303] Medical evacuation: Covered ↩

Medical evacuation is included under the sanitary transport guarantee (Art. 3.1.2). The Company organizes and covers evacuation to the nearest appropriate medical facility and, when medically indicated, repatriation to a hospital near the insured's habitual residence in Spain.

En Europa y países ribereños del Mediterráneo, podrá incluso utilizarse el avión sanitario especialmente acondicionado.

[304] Repatriation of remains: Covered ↩

In the event of death of the insured, the Company organizes and covers transport of the body from the place of death to the place of burial in Spain. Post-mortem treatment and mandatory preparation (e.g. embalming and the zinc-lined coffin required for transfer) are included. The minimum coffin required for the transfer is covered; burial, ceremony and funeral costs are not covered by the Company.

En los gastos de acondicionamiento del cadáver, se excluyen los de inhumación, ceremonia y pompas fúnebres. Se incluye, no obstante, el coste del ataúd mínimo necesario para el traslado del fallecido.

[305] Pre existing conditions: Excluded ↩

Pre-existing conditions (those suffered or diagnosed prior to the policy effective date, including chronic disorders and their complications and relapses) are explicitly excluded from all assistance guarantees. In case of aggravation of an accident by a pre-existing condition, the Company covers only the consequences the accident would have had without the aggravating condition.

Las recaídas de enfermedades o lesiones crónicas o preexistentes, sean estas últimas, conocidas o no por el Asegurado en el momento de iniciar el viaje.

[306] Winter sports cover: Optional ↩

Winter sports and ski coverage (including ski rescue on slopes, forfait loss and ski lesson loss) is available only as an optional supplement (paquete de garantías de esquí) contracted separately. Without this supplement, ski and snowboard activities and other winter sports are excluded from the policy.

Garantías sólo con validez para los Asegurados que hayan contratado el paquete de garantías de esquí.

[307] Adventure sports cover: Excluded ↩

Adventure sports and high-risk activities are excluded from the policy. Excluded activities include boxing, weightlifting, wrestling, martial arts, mountaineering, bobsleigh, fencing, speleology, surf, motocross, paragliding, skydiving, scuba diving, hot-air balloon ascents, and any professional sport. Competitive sports and training are also excluded.

La práctica de deportes de alto riesgo, tales como rugby; rafting; hidroespeed y similares... esquí (salvo contratación expresa a través del producto Zurich viaje esquí), surf, motocross, vuelo sin motor, ala delta, submarinismo, paracaidismo, ascensiones en globo, lucha o boxeo.

[308] Pregnancy complications: Conditional ↩

Pregnancy diagnosis, monitoring and routine maternity care are excluded. However, urgent care of a pregnancy-related nature is covered provided it occurs before the sixth month of gestation. Childbirth and voluntary termination of pregnancy are excluded.

queda excluido el diagnóstico, seguimiento y tratamiento del embarazo, interrupción voluntaria del mismo y partos, salvo que se trate de atención de carácter urgente y siempre anterior al sexto mes.

[309] Medical expenses: €18,000 – €200,000 ↩

Covers medical-surgical, pharmaceutical, hospitalisation and ambulance expenses incurred during a trip abroad due to illness or accident, up to a maximum of 180 days from the date of accident or first diagnosis. Five selectable tiers: 18,000€, 30,000€, 60,000€, 120,000€, or 200,000€ (up to 1,000,000€ through intermediaries). All tiers provide identical coverages; only indemnification limits vary. For urgent cases arising from an unforeseeable complication of a chronic or pre-existing illness, the insurer covers costs until patient stabilisation. A separate limit applies for medical/hospitalisation expenses in the country of origin (up to 3,000€). For continued hospitalisation upon return from abroad, up to 6,000€ for a maximum of 30 days.

[310] Medical transport: Covered ↩

Covers transfer or medical repatriation to an adequately equipped medical centre or to the insured's place of habitual residence in case of illness or accident abroad. The insurer's medical team decides the mode of transport and destination. A medical air ambulance may be authorised exclusively when the insured is in Europe or Mediterranean rim countries listed in the policy. The sending of a specialist physician to the insured's location abroad is also covered (unlimited) when transfer is not medically possible. Sending of medications abroad is also included (unlimited). No explicit monetary cap is stated for standard medical transport; cost is covered as effective service cost.

El equipo médico del Asegurador decidirá, en función de la situación de urgencia o gravedad en la que se encuentre el Asegurado, el medio de transporte utilizado en cada caso así como a qué centro sanitario se realizará el traslado o si es necesaria la repatriación

[311] COVID-19 treatment: Conditional ↩

COVID-19 treatment is covered within the standard medical expenses coverage when the insured falls ill during travel. A personalised COVID-19 medical advisory service for travel is included (advising on necessary tests, access to a concerted laboratory network, and report issuance), applicable only to travellers departing from Spain. A positive COVID-19 PCR test preventing the insured from travelling is a covered cause for trip cancellation (optional coverage). No separate monetary cap for COVID treatment; subject to general medical expenses limits. Policy extension for quarantine or mobility restrictions is automatically activated for up to 15 additional days.

Además de dar información y resolver dudas, se asesorará sobre la necesidad de analíticas para realizar el viaje, prescribiéndolas de ser necesario*. ... *Aplicable únicamente para los viajeros que tengan su origen en España.

[312] Personal liability: €10,000 – €60,000 ↩

Covers monetary compensation the insured must pay as a private person for bodily or material damage involuntarily caused to third parties during travel (per Spanish Civil Code articles 1902-1910 or equivalent foreign legislation). Covered limit per event varies by selected tier: from 10,000€ to 60,000€; aggregate maximum per contract and year: 600,000€. Deductible (franquicia): 60€ general; 200€ in the USA. Includes legal costs and judicial bonds within the limit. Excludes: motor vehicle/aircraft/vessel liability, professional/political/associative activities, fines, high-risk amateur sports (alpinism, boxing, parachuting, etc.), damages to entrusted objects, animal/pool/fuel depot ownership, and commercial/trade union activities.

[313] Emergency dental: €750 ↩

Covers expenses arising from acute dental problems such as infections, pain, broken teeth, lost fillings and similar conditions requiring urgent treatment during a trip abroad, up to 750€. Routine dental treatment, orthodontics and non-urgent dental procedures are excluded.

[314] Search & rescue: €2,000 ↩

Covers expenses for search, rescue and/or salvage operations resulting from an accident involving the insured, whether by civil or military rescue services or any emergency organisation, up to 2,000€. General exclusion applies for rescue in mountains, caves, seas, jungles or deserts in unexplored regions, except as covered by this clause. Adventure sports and off-piste mountain accidents are excluded.

[315] Legal assistance: €3,000 ↩

Covers legal assistance abroad up to 3,000€ per coverage. Includes: (a) Basic legal guidance by the insurer's Spanish lawyers; connection to international lawyer network; (b) Claim for personal damages caused by a third party (up to 3,000€); (c) Criminal defence before foreign courts in private life matters (up to 3,000€), excluding cases of wilful misconduct or gross negligence; (d) Consumer law claims for hotel/service contracts and purchase of movable goods abroad (up to 3,000€, excluding works of art, antiques and jewellery over 3,000€). Also covers advance on judicial bonds for automobile accidents abroad (up to 3,000€, repayable within 60 days).

[316] Emergency medical treatment: €18,000 – €200,000 ↩

Emergency medical treatment is covered within the combined medical expenses limit (18,000€–200,000€ depending on selected tier). Includes surgical, pharmaceutical, hospitalisation and ambulance costs resulting from illness or accident abroad. Emergency dental treatment is covered separately up to 750€. In genuine emergencies where prior insurer authorisation is impossible, the insured must contact the assistance centre as soon as circumstances allow.

[317] Hospitalization: €18,000 – €200,000 ↩

Hospitalisation expenses are covered within the combined medical expenses limit (18,000€–200,000€ depending on selected tier). Hospitalisation means formal patient admission and prescribed stay for a minimum of 24 hours. An advance on hospitalisation bonds (fianzas) abroad is also provided, up to the medical expenses limit. In the country of origin or residence for continuation of treatment after return: up to 6,000€ for a maximum of 30 days.

[318] Outpatient treatment: €18,000 – €200,000 ↩

Outpatient (ambulatory) medical treatment costs are covered within the combined medical expenses limit (18,000€–200,000€). Telemedicine/video consultation is also included at no extra cost from anywhere in the world where permitted by local regulations. Routine check-ups, periodic reviews and preventive medicine treatments are explicitly excluded.

[319] Medical evacuation: Covered ↩

Medical evacuation is covered as part of the sanitary transfer/repatriation coverage. The insurer's medical team decides when evacuation is necessary based on urgency and severity. Air ambulance (avión sanitario) use is authorised exclusively for insured persons displaced in Europe or Mediterranean rim countries as listed in the General Conditions. No separate monetary cap; covered as effective service cost.

El equipo médico del Asegurador, en función de la situación médica del Asegurado y, exclusivamente cuando dicho Asegurado se encuentre desplazado en el ámbito territorial de Europa o los países ribereños del Mediterráneo indicados en el apartado de Extensión geográfica, podrá autorizar la utilización de un avión sanitario.

[320] Repatriation of remains: Unlimited ↩

If the insured dies during a covered trip, the insurer covers all necessary formalities and expenses for the transfer or repatriation of the mortal remains to the place of burial, cremation or funeral ceremony at the insured's place of residence. Stated as unlimited ("Ilimitado") in the IPID benefits table. Burial, cremation and funeral ceremony costs are not covered.

[321] Pre existing conditions: Conditional ↩

Coverage applies only to urgent expenses arising from unforeseeable complications of a chronic or pre-existing illness, and only until patient stabilisation is achieved. Trips whose purpose is to receive medical treatment and trips undertaken after a terminal illness diagnosis are explicitly excluded. Pre-existing conditions that are stable and under medical treatment at the time of travel are generally excluded from the main medical expenses coverage, except for the emergency stabilisation provision. For trip cancellation, pre-existing illness is excluded unless it causes hospitalisation of more than 24 hours with discharge at least 7 days before the trip start date (except for scheduled surgeries or organ transplants already on waiting list).

En los casos de urgencia como consecuencia de una complicación imprevisible de una enfermedad crónica o previa al viaje, el Asegurador se hará cargo de los gastos hasta conseguir la estabilización del paciente.

[322] Winter sports cover: Optional ↩

Optional add-on covering winter sports accidents on designated ski resort slopes and circuits. Includes: rescue on slopes (up to 2,000€), ground ambulance transfer to nearest hospital (up to 600€), crutches due to skiing accident (up to 150€), unused ski pass refund if accident causes repatriation (up to 300€), and unused ski classes refund if accident causes repatriation (up to 300€). Off-piste mountain accidents are explicitly excluded from all winter sports coverages.

[323] Adventure sports cover: Excluded ↩

Adventure and high-risk sports are explicitly excluded from all general coverages, even as an amateur. Excluded sports include (but are not limited to): motor vehicles, mountaineering (alpinismo), canyoning (barranquismo), rock climbing (escalada), caving (espeleología), hunting, winter sports (as amateur without optional add-on), gymnastic sports, bungee jumping, puenting, water sports, scuba diving, ultralight aircraft, parachuting, hang gliding, hot air balloon, gliding, horse riding (hípica), boxing, martial arts, bullfighting and all activities of a notoriously dangerous or high-risk nature. Professional practice of any sport is also excluded.

vehículos a motor, alpinismo, barranquismo, escalada, espeleología, caza, deportes de invierno, gimnasia deportiva, puenting, bungeejumping, deportes náuticos, subacuáticos y de submarinismo, la utilización de avionetas y cualquier otra práctica deportiva que implique riesgo aéreo

[324] Pregnancy complications: Conditional ↩

Pregnancy diagnosis, monitoring, routine care and childbirth are explicitly excluded from medical assistance coverage. However, coverage applies to pregnancy complications in specific circumstances: (1) For trip cancellation: serious complications requiring medical rest or hospitalisation (provided complications arose after policy contracting), premature birth by the insured female, and the need to remain in bed due to a high-risk pregnancy (provided the high-risk status began after contracting). (2) For vacation reimbursement: unforeseeable pregnancy complications in the first 24 weeks of gestation are covered. Voluntary termination of pregnancy (abortion) is excluded from all coverages.

Complicaciones graves en el estado del embarazo que, por prescripción médica, obliguen a guardar reposo o exijan la hospitalización del Asegurado ... siempre que dichas complicaciones se hayan producido después de la contratación del Seguro y pongan en grave riesgo la continuidad o el necesario desarrollo de dicho embarazo.

[325] Medical expenses: €50,000 – €1,000,000 ↩

[326] Medical transport: Covered ↩

Under guarantee A.3, the insurer covers: (a) ambulance transport to the nearest clinic or hospital; (b) medical team monitoring to determine best treatment and most suitable transport to another hospital or back to Spain; (c) medical repatriation to Spain if medically necessary. For minor ailments not requiring repatriation, transport by vehicle or ambulance to the nearest medical facility is covered. No separate monetary sub-limit stated; the cost of service is covered in full.

[327] Personal liability: See details ↩

Personal civil liability is not found as a coverage in the standalone SegurCaixa Asistencia en Viaje policy documents. The policy does include guarantee A.15 (Fianzas y gastos procesales) which advances legal defence costs (up to €15,000) and criminal bail (up to €10,000) arising from a car accident abroad, but this is a legal assistance guarantee, not general personal liability coverage.

[328] Emergency dental: €300 ↩

Covers treatment costs for acute dental problems requiring urgent treatment during a trip abroad, such as infections, pain, broken teeth or lost fillings. Maximum limit per claim is €300. Cosmetic or planned dental work is excluded. Applies exclusively to trips abroad.

[329] Search & rescue: Excluded ↩

Search and rescue operations in mountains, caves, seas, jungles or deserts are explicitly excluded from all coverage under general exclusion (c) of section E of the General Terms and Conditions.

[330] Legal assistance: €15,000 ↩

Under guarantee A.15 (Fianzas y gastos procesales), the insurer advances to the insured, subject to formal guarantee of repayment within 60 days: legal defence costs up to €15,000 and criminal bail up to €10,000, arising from judicial proceedings initiated as a result of a car accident outside the insured's country of residence and/or habitual domicile.

[331] Emergency medical treatment: €50,000 – €1,000,000 ↩

Emergency medical and surgical treatment abroad is covered under the medical expenses guarantee (A.1). The insurer covers consultation fees, surgical and pharmaceutical costs for illness or accident arising during a trip, up to the contracted capital tier: Básico (€50,000), Completo (€150,000), Premium (€500,000) or Excellence (€1,000,000). Prior authorization from the insurer is required except in genuine emergencies.

Podrás elegir el capital de gastos médicos que desees cubrir en el extranjero Completo: 150.000 € Excellence: 1.000.000 € Básico: 50.000 € Premium: 500.000 €

[332] Hospitalization: €50,000 – €1,000,000 ↩

Hospitalisation costs abroad (including stay, medical and pharmaceutical services) are included within the overall medical expenses guarantee A.1, subject to the contracted capital tier. When hospitalisation is determined necessary by the insurer's medical team in agreement with the treating physician, the insurer covers transfer to the hospital, the hospital stay and all necessary medical services including pharmaceuticals, up to the contracted limit.

Podrás elegir el capital de gastos médicos que desees cubrir en el extranjero Completo: 150.000 € Excellence: 1.000.000 € Básico: 50.000 € Premium: 500.000 €

[333] Outpatient treatment: €50,000 – €1,000,000 ↩

Outpatient medical consultations, surgical and pharmaceutical expenses arising from covered illness or accident during a trip abroad are covered under guarantee A.1, subject to prior insurer authorization and up to the contracted capital tier. Remote medical advice (A.7) is also included.

Podrás elegir el capital de gastos médicos que desees cubrir en el extranjero Completo: 150.000 € Excellence: 1.000.000 € Básico: 50.000 € Premium: 500.000 €

[334] Medical evacuation: Covered ↩

Under guarantee A.3, if the insured suffers an illness or accident, the insurer organizes and covers medical repatriation to Spain when medically necessary, including medical escort if required. If the insured's condition does not allow immediate transfer to Spain and local care is insufficient, a specialist physician is dispatched to the insured's location (guarantee A.5). No separate monetary sub-limit stated for the repatriation service itself; cost of service is covered in full.

[335] Repatriation of remains: Covered ↩

Under guarantee B.1, if the insured dies during a covered trip, the insurer covers the administrative procedures and costs necessary for transferring the mortal remains to the place of burial in Spain. Burial and ceremony costs and the cost of the coffin are excluded. If no companion is available to accompany the remains, the insurer provides a round-trip ticket (first class rail, tourist class air) for a person domiciled in Spain designated by family members. The insurer also covers accommodation and subsistence of the companion up to €80/day for a maximum of 3 days. No overall monetary cap on the repatriation service itself.

[336] Pre existing conditions: Excluded ↩

Pre-existing illnesses and/or congenital conditions, chronic conditions and ailments under medical treatment prior to the start of the trip are explicitly excluded from coverage. A pre-existing disease is defined as one suffered by the insured prior to the start of the covered trip.

[337] Winter sports cover: Optional ↩

An optional ski pack can be added to the policy covering: crutch hire costs following a ski accident (up to €150), on-piste rescue/descent costs (up to €2,000), reimbursement of ski pass and loss of ski equipment (up to €300), and ambulance expense reimbursement (up to €600). Ski is excluded from the standard policy as an amateur winter sport; it is only covered when the specific optional ski pack is contracted. The additional coverages within the pack (e.g. baggage delay limits) are also enhanced.

[338] Adventure sports cover: Excluded ↩

Practice of any sport as a professional or federated athlete, and sports competitions, are explicitly excluded. As an amateur, a long list of hazardous activities is excluded, including mountaineering, paragliding, rock climbing, scuba diving, water scooters, rafting, bungee jumping, canyoning, kayaking, white-water activities, speleology, motor racing and bullfighting. Winter sports as an amateur (except skiing with the optional ski pack) are also excluded.

[339] Pregnancy complications: Excluded ↩

Diagnosis, monitoring and treatment of pregnancy, voluntary termination and childbirth are explicitly excluded from coverage in the General Terms and Conditions.

[340] Medical expenses: Covered ↩

Covers medical and surgical fees, prescription pharmaceutical costs, and hospitalisation expenses incurred abroad due to illness or accident. The maximum amount per insured is defined in the Particular Conditions. Medical, surgical and hospitalisation expenses in Spain are explicitly excluded. Any medical or pharmaceutical fee below EUR 9 is excluded.

La cantidad máxima cubierta por Asegurado, por el conjunto de los citados gastos que se produzcan en el extranjero, es el establecido en las condiciones particulares.

[341] Medical transport: Covered ↩

MDC covers ambulance transport to the nearest clinic or hospital, the medical team's coordination with the attending physician, and transfer by the most appropriate means (including special air ambulance within Europe and Mediterranean rim when urgency requires) to the prescribed hospital or the insured's habitual residence. Subsequent transfer home from a remote hospital is also covered.

De los gastos de traslado por el medio de transporte más adecuado, del herido o enfermo, hasta el centro hospitalario prescrito o a su domicilio habitual.

[342] COVID-19 treatment: Not established from the reviewed documents ↩

The policy conditions do not mention COVID-19; it is treated like any other illness under the medical expenses guarantee.

[343] Personal liability: Not established from the reviewed documents ↩

Personal liability is not included in this policy.

[344] Emergency dental: Covered ↩

Covers emergency dental treatment abroad resulting from acute odontological problems such as infections, pain or trauma. The maximum amount is defined in the Particular Conditions. Prostheses, orthodontic appliances, dental repairs and replacement dental pieces are excluded.

MDC se hará cargo de los gastos inherentes al citado tratamiento hasta el límite máximo establecido en las condiciones particulares.

[345] Search & rescue: Excluded ↩

Explicitly excluded. The rescue of persons at sea, in the mountains or in the desert is not covered.

El rescate de personas en mar, montaña o desierto.

[346] Legal assistance: Not established from the reviewed documents ↩

Legal assistance abroad is not included in this policy.

[347] Emergency medical treatment: Covered ↩

In the event of illness or accident abroad, MDC covers medical and surgical fees and pharmaceutical expenses prescribed by a physician. Expenses are subject to the maximum established in the Particular Conditions. Treatment in Spain is excluded.

Si a consecuencia de una enfermedad o de un accidente el Asegurado necesita asistencia médica, quirúrgica, farmacéutica u hospitalaria, MDC se hará cargo.

[348] Hospitalization: Covered ↩

Hospitalisation expenses abroad are covered as part of the overall medical expenses guarantee (clause 2.1.2.4.6). The combined maximum for medical, surgical, pharmaceutical and hospitalisation costs is set in the Particular Conditions. Hospitalisation in Spain is excluded. A separate daily-indemnity 'Hospitalización por cualquier causa' guarantee also exists in the same General Conditions (clause 2.6) but is a distinct product benefit with its own age limits and waiting periods, not part of the travel assistance guarantee.

3. Los gastos de hospitalización.

[349] Outpatient treatment: Covered ↩

Medical and surgical fees for outpatient treatment abroad are covered under the general medical expenses guarantee. Any claim below EUR 9 is excluded. Maximum is defined in the Particular Conditions.

Cualquier tipo de honorarios o gasto médico o farmacéutico inferior a 9€.

[350] Medical evacuation: Covered ↩

Covered under the sanitary repatriation guarantee. When urgency and severity require it, MDC uses a special air ambulance within Europe and Mediterranean rim countries, or scheduled airline or the fastest available means for the rest of the world. Limits are defined in the Particular Conditions.

El medio de transporte utilizado en Europa y países ribereños del Mediterráneo, cuando la urgencia y la gravedad del caso lo requieran, será el avión sanitario especial.

[351] Repatriation of remains: Covered ↩

MDC guarantees transfer of mortal remains from the place of death (national or international) to the place of burial in Spain, up to the maximum capital established in the Burial guarantee in the Particular Conditions. Excluded if death occurs in a country in a state of war, insurrection or armed conflict, or if transfer is to such a country. Burial and ceremony expenses are excluded.

MDC... garantiza la prestación del servicio de Traslado desde el lugar de la defunción nacional o internacional hasta el lugar de su inhumación en España, con el límite máximo del capital asegurado en la garantía de Entierro.

[352] Pre existing conditions: Excluded ↩

Explicitly excluded. Illnesses or injuries arising as a consequence of pre-existing, serious or chronic diseases with risk of aggravation, as well as their complications or relapses, are not covered.

Las enfermedades o lesiones que se produzcan como consecuencia de enfermedades preexistentes, graves o crónicas, con riesgo de agravación, del Asegurado, así como sus complicaciones o recaídas.

[353] Winter sports cover: Excluded ↩

Explicitly excluded. Skiing (esquí) is listed among the sports excluded from coverage, even when practised as an amateur, during the period from the start to the end of the trip.

judo, bobsleigh, espeleología, submarinismo, artes marciales, esquí, los practicados con vehículos a motor y los denominados deportes de aventura y deportes de riesgo.

[354] Adventure sports cover: Excluded ↩

Explicitly excluded. Adventure sports and risk sports are excluded, along with a specific list including mountaineering, boxing, parachuting, hang-gliding, motorised vehicle sports, scuba diving, martial arts, judo, bobsleigh, speleology, polo, rugby, and yachting, even when practised as an amateur during the trip.

alpinismo, boxeo, paracaidismo, ala delta, vuelo sin motor, polo, rugby, tiro, yachtting, judo, bobsleigh, espeleología, submarinismo, artes marciales.

[355] Pregnancy complications: Conditional ↩

Covered only for unforeseeable complications occurring during the first seven months of pregnancy. Childbirth and normal pregnancy are excluded. Coverage is conditional on the complication being unforeseeable.

Los partos y embarazos, excepto complicaciones imprevisibles en los primeros siete meses.

[356] Accommodation expenses abroad: €50 ↩

MDC covers up to EUR 50 per day for a family member's hotel stay when the insured is hospitalised abroad and internment is expected to last more than 5 days (clause 2.1.2.4.5), and up to EUR 50 per day for the insured's own hotel stay to extend recovery abroad under medical prescription following hospitalisation (clause 2.1.2.4.7). Both benefits are additionally subject to the overall maximum set in the Particular Conditions.

MDC se hará cargo de los gastos de estancia del familiar en un hotel, contra los justificantes oportunos, hasta 50 € por día.

[357] Medical expenses: €18,000 – €36,000 ↩

Covers medical, surgical, pharmaceutical and hospitalization expenses incurred abroad. Not available for Spain zone (dash in table). Europe zone: €18,000; Rest of World zone: €36,000. A deductible (franquicia) of €120 applies. All three tiers (Estándar, Estudiantes, Séniors) share the same limits. Available in clauses: Europa (€18,000), Resto del Mundo (€36,000).

[358] Medical transport: Unlimited ↩

Repatriation or sanitary transport of injured or ill insured persons is covered with unlimited benefit across all zones (España, Europa, Resto del Mundo) and all three tiers (Estándar, Estudiantes, Séniors).

[359] COVID-19 treatment: Not available ↩

se incluye la cobertura de Covid-19 para los clientes que tengan contratado un seguro de vida riesgo con Zurich en caso de que el siniestro sea consecuencia del COVID-19.

[360] Personal liability: €40,000 – €60,000 ↩

Personal civil liability coverage is available only in the Zurich viaje Estándar tier, and only for the Europa zone (€40,000) and Resto del Mundo zone (€60,000). A deductible (franquicia) of €300 applies. Not included in Estudiantes or Séniors tiers, and not available for Spain zone. An advance on judicial bail (anticipo de fianza judicial) of €1,800 is also available in Europa and Resto del Mundo zones under Estándar tier.

[361] Emergency dental: Not available ↩

Basic Plan : Medical assistance up to $40,000 (€34,260), coverage for lost luggage and emergency dental care ($400, €340).

[362] Search & rescue: See details ↩

Search and rescue is not covered under this policy.

[363] Legal assistance: €1,800 ↩

Legal advisory assistance (asesoramiento jurídico-legal en viaje) is included across all zones for all three tiers. An advance on judicial bail (anticipo de fianza judicial en el extranjero) of up to €1,800 is available only under the Estándar tier for Europa and Resto del Mundo zones.

[364] Emergency medical treatment: Covered ↩

Emergency medical treatment is subsumed within the medical expenses guarantee (Gastos médicos sanitarios) up to the stated zone limits (€18,000 Europa / €36,000 Resto del Mundo). No separate line item in the coverage table.

[365] Hospitalization: Covered ↩

Hospitalization expenses are covered as part of the overall medical expenses guarantee (Gastos médicos sanitarios). No separate hospitalization sub-limit is stated in the coverage table beyond the overall medical expense ceiling.

[366] Outpatient treatment: Covered ↩

Outpatient (ambulatory) treatment expenses are included within the overall medical expenses guarantee but no separate sub-limit for outpatient care is stated in the coverage table.

[367] Medical evacuation: Unlimited ↩

Medical evacuation is covered under the unlimited repatriation/sanitary transport guarantee across all zones and all tiers. No separate cap is stated.

[368] Repatriation of remains: Unlimited ↩

Repatriation or transport of deceased insured persons is covered with an unlimited benefit across all zones (España, Europa, Resto del Mundo) and all three tiers (Estándar, Estudiantes, Séniors).

[369] Pre existing conditions: Not available ↩

Undeclared pre-existing conditions : Any diagnosed medical condition before purchasing the policy and not reported during purchase might not be covered.

[370] Winter sports cover: See details ↩

Winter sports (ski) coverage is not present in the three core Zurich Travel tiers (Estándar, Estudiantes, Séniors) described in the coverage table. A separate ski product exists but is not part of this product line.

[371] Adventure sports cover: See details ↩

Adventure sports coverage is not included under this policy.

[372] Pregnancy complications: Not available ↩

Any condition resulting from pregnancy, childbirth, miscarriage, abortion, pre-natal care, postnatal care or other complications arising therefrom;