ARAG Travel insurance (Viajeros Plus)

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).

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.