Allianz Assistance Travel insurance (Vacaciones Asistencia Estandar)

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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).

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.

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.

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

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.

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.