A.M.A. Seguros
A.M.A. Seguros is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
AMA deploys its international assistance network to directly arrange and pay for medical and surgical care, hospitalization, repatriation and related services for insured travellers, without requiring the insured to pay upfront in the majority of cases. Medication dispatch from Spain and advance of bail bonds for hospitalization are also covered directly.
Geographic scope
Worldwide, including Spain (subject to minimum distance from insured's residence)
Any country in the world, including Spain, provided the incident occurs more than 25 km from the insured's residence (or 10 km in the Balearic Islands, Canary Islands, Ceuta and Melilla). Certain coverages are limited to foreign countries only when expressly stated in the General and/or Particular Conditions.
Starting from
€30
Unique selling points
- Complete international medical assistance with no deductible — all covered services are arranged and paid directly without the insured having to pay upfront.
- Medical capital up to 5,000,000 EUR for the Temporal Ocio modality — one of the highest available limits in the Spanish market for leisure travel.
- Medication dispatch from Spain to any country where the insured is located if vital treatment drugs cannot be obtained locally.
- COVID-19 and pandemic quarantine stay extension covered — accommodation costs for unforeseen trip extensions caused by a state of alarm, border closure or medical quarantine.
- Designed exclusively for healthcare professionals and their families — coverage tailored to the specific needs of medical, nursing and healthcare students including study-abroad and cooperation mission modalities.
Coverage limits
Medical, surgical and pharmaceutical expenses abroad
Covered
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.
Emergency medical treatment abroad
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.
Hospitalization abroad
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.
Outpatient medical treatment abroad
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.
Emergency dental expenses abroad
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.
Medical transport and sanitary transfer
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.
Medical evacuation / repatriation
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.
Repatriation of mortal 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.
Search and rescue
Not offered
Search and rescue costs are not mentioned as a covered benefit in any of the reviewed official sources for this product.
COVID-19 / pandemic-related treatment and stay extension
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.
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.
Winter sports cover
Not offered
Winter sports coverage is not mentioned in any of the reviewed official sources for this product.
Adventure sports cover
Not offered
Adventure sports coverage is not mentioned in any of the reviewed official sources for this product.
Pregnancy complications
Not offered
Pregnancy complications coverage is not explicitly mentioned in any of the reviewed official sources for this product.
Personal civil liability during travel
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.
Legal assistance / advance of bail and court costs abroad
Covered
Advance of bail bonds for hospitalization and legal/court costs abroad are covered. Specific monetary limits are defined in the Particular Conditions.
24/7 international assistance service
Covered
AMA provides round-the-clock international assistance including remote medical consultation in the insured's language, urgent message transmission, and coordination of all covered services during the trip abroad.
Key conditions
Assistance call deadline
The insured must notify the insurer of the claim within a maximum of 7 days from the date the insured became aware of the incident, unless a longer period is agreed in the Particular or Special Conditions. Claim notification and service requests must be submitted in writing to the insurer.
Unauthorized treatment
The sources do not explicitly describe a penalty for obtaining medical treatment without prior authorization from AMA. However, the insured is required to use AMA's international assistance network and to notify the insurer promptly; failure to comply with notification obligations may affect coverage eligibility.
Purchase while abroad
The policy must be taken out before the start of the trip. AMA Seguros requires the policy to be formalized prior to departure; purchase while already abroad is not normally possible.
Chronic conditions
Chronic conditions or ailments under prior medical treatment before the start of the trip are explicitly excluded from coverage, including their sequelae.
Pregnancy
AMA Seguros travel policy documents do not explicitly mention pregnancy or gestational complications as a named covered benefit. The official IPID document confirms a general exclusion for pre-existing conditions, chronic ailments, and conditions under medical treatment prior to the trip start date. Since a known pregnancy existing before the trip begins would fall under this pre-existing condition exclusion, related complications are unlikely to be covered. No gestational week limit, specific pregnancy clause, or explicit pregnancy coverage is stated in any official AMA Seguros travel product source. Customers should consult AMA directly for clarification before travelling.
pre_existing_conditions
Pre-existing and/or congenital diseases, chronic conditions or ailments under prior medical treatment before the trip start are explicitly excluded, including their sequelae from accidents or illnesses that occurred or manifested before the insured's inclusion date.
coverage_duration_limit
For temporary modalities, coverage is limited to incidents occurring within the period of cover established in the insurance contract. The Annual modality covers trips of less than 90 consecutive days. The Temporal Ocio modality can be contracted for trips from a minimum of 7 days. The Estudios modality has a minimum of 1 month and maximum of 12 months.
Where to buy
Policy specifics
Exclusion: Trips for medical treatment
Travel for the purpose of receiving medical treatment is explicitly excluded from coverage
Geographic restriction: Minimum distance from residence
Coverage is valid when the incident occurs at a distance greater than 25 kilometers from the insured's residence, or 10 kilometers in Balearics, Canary Islands, Ceuta and Melilla
Extended stay limit
Hospitalization stay extension is limited to maximum of nine days, with covered accommodation and subsistence costs for accompanying person
No deductible
Complete international medical assistance without any deductible requirements
International assistance network
Access to AMA's international assistance structure for provision of necessary medical and surgical care services in case of serious illness or accident
Mandatory claim notification
Communication of incident and request for services must be made to the insurer within maximum 7 days from when insured became aware of the incident
Duty to minimize losses
Insured must employ available means to minimize consequences of potential loss, cooperating in salvage of persons or property