ARAG
ARAG is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
ARAG organizes and directly bears the costs of medical assistance, repatriation, and transportation through its international network of providers. In cases where direct intervention is not possible, ARAG reimburses the insured for duly accredited expenses within a maximum of 40 days from presentation. The insured must always contact the ARAG 24h emergency line before incurring expenses.
Geographic scope
Spain, Europe and Mediterranean-bordering countries (Morocco, Algeria, Tunisia, Libya, Egypt, Jordan, Israel, Palestine, Lebanon, Syria, Cyprus, Turkey), and worldwide
Coverage applies when the insured is more than 50 km from their habitual residence (medical assistance) or more than 20 km (other benefits). In the Balearic and Canary Islands, coverage applies when the insured is on a different island. Coverage terminates when the insured returns to their habitual residence or is admitted to a healthcare centre located within 25 km (15 km in Balearic/Canary Islands).
Starting from
€6
Unique selling points
- Medical expense coverage reaches up to 1,000,000 EUR in expanded worldwide tiers, one of the highest caps in the Spanish travel insurance market.
- 24/7 multilingual operative centre with a global network of medical and assistance providers that directly coordinates and pays for hospitalisation, repatriation and evacuation without requiring the insured to advance funds.
- Fully equipped medical aircraft available in Europe for repatriation, plus ARAG-coordinated alternative transport arrangements for destinations outside Europe.
- Extensive legal protection built in as a standard feature, including criminal defence, damage claims, and contract claims against foreign companies across Europe — a reflection of ARAG's specialist legal expertise.
- Over 40 recreational sports and activities covered under the standard policy without surcharge, with optional extension to adventure activities including diving, rafting, sport climbing and trekking up to 5,000m altitude.
Coverage limits
Medical and Healthcare Assistance
Covered
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 or up to 1,000,000 EUR in expanded tiers).
Emergency Medical Treatment
Covered
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
Covered
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
Covered
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.
Emergency Dental Treatment
Covered
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.
Medical Transport
Covered
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.
Medical Evacuation
Covered
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.
Repatriation of Remains
Covered
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.
Search and Rescue
Covered
ARAG guarantees rescue of injured insured persons, including helicopter participation if necessary, up to the maximum limit indicated in the Condiciones Particulares (reported at up to 3,000 EUR for Viajeros Plus). 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 Treatment
Covered
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.
Pre-existing Conditions
Conditional
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.
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.
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.
Pregnancy Complications
Conditional
General childbirth expenses and routine pregnancy care are excluded. However, claims arising directly or indirectly from complications occurring after the seventh month of pregnancy are also excluded. Coverage for unforeseeable pregnancy complications may apply within the first 24 weeks of gestation as part of the general medical assistance, subject to the 10% cap applicable to pre-existing conditions.
Personal Civil Liability
Optional
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.
Legal Assistance Abroad
Covered
ARAG guarantees defence of the insured's criminal liability before European courts in the context of private life and travel, up to the limit specified in the Condiciones Particulares (reported at 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.
24/7 Assistance Service
Covered
ARAG provides a 24-hour, 365-day operative centre reachable from Spain at 93 300 10 50 and from abroad at +34 93 300 10 50 (reverse charge calls accepted). The multilingual team coordinates all assistance services. The insured must mandatorily contact this service at the occurrence of any covered event before independently incurring expenses; failure to do so may result in claim rejection.
Key conditions
Assistance call deadline
The insured must mandatorily contact the ARAG 24h emergency telephone service (93 300 10 50 from Spain; +34 93 300 10 50 from abroad) immediately upon the occurrence of any event that may give rise to covered benefits. The insured must provide: name of the insured, policy number, location and telephone number, and type of assistance required. ARAG will not be liable for any benefits not previously requested or not carried out with its prior agreement, except in cases of duly justified force majeure.
Unauthorized treatment
ARAG will not assume any obligation for benefits that have not been requested from it or that have not been carried out with its prior agreement, except in cases of duly justified force majeure. When direct intervention by ARAG was not possible, ARAG will reimburse the insured for duly documented expenses within a maximum of 40 days from presentation. ARAG reserves the right to request reasonable documents or evidence to process the claimed benefit.
Purchase while abroad
The policy must be contracted before the start of the trip. Coverage takes effect 24 hours after the insured pays the premium. If contracted after the trip has already commenced (when abroad), it is advisable to consult the specific conditions as coverage for certain guarantees may begin 72 hours after contracting (depending on the distribution channel, e.g. Intermundial GO WORLD).
Chronic conditions
Chronic, congenital and/or pre-existing diseases and their consequences, suffered by the insured prior to the start of the trip or the policy subscription, are excluded from coverage, except those expressly covered. In cases of vital emergency arising from an unforeseeable complication of a chronic, congenital or pre-existing condition, ARAG covers only initial emergency healthcare costs within the first 24 hours of hospital admission, up to a maximum of 10% of the medical assistance sum insured.
Pregnancy
Childbirth expenses and routine pregnancy care are excluded. Claims arising directly or indirectly from complications occurring after the seventh month of pregnancy are also excluded. Unforeseeable complications in early pregnancy may be covered under the general medical assistance within the first 24 weeks of gestation, subject to the 10% cap for pre-existing conditions. The policy also covers premature birth of the insured, her spouse or permanent partner as a cause for trip cancellation.
pre_existing_conditions
Pre-existing conditions are generally excluded. Emergency first aid for unforeseeable complications of pre-existing, chronic or congenital conditions is covered only during the first 24 hours of hospital admission, up to 10% of the medical assistance sum insured. Diseases being treated or requiring medical care within the 30 days prior to the trip reservation or insurance inclusion date are excluded from the trip cancellation guarantee.
coverage_duration_limit
For single-trip policies, the coverage duration is specified in the Condiciones Particulares. For multi-trip annual policies, each individual trip cannot exceed 90 consecutive days. For policies with a duration of over 180 days, round trips to the insured's home in Spain are permitted. Coverage is automatically extended free of charge, once only and for a maximum of 7 days from the originally planned end date, when the insured is required to prolong their stay for a covered reason.
Where to buy
Policy specifics
Medical Assistance Distance Requirement
Medical assistance coverage applies when the insured is more than 50 km from their habitual residence
Pre-existing Conditions Exclusion
Chronic, congenital, or pre-existing illnesses and their consequences are excluded from coverage
Dental Emergency Coverage
Coverage for acute dental problems (infection, pain, or trauma requiring emergency treatment) with limits of €900 abroad or €750 in Spain per insured party, with expenses limited to €30 per incident
Repatriation Coverage Limit
Total repatriation or transportation limit for injured or ill persons is set at €2,000
War and Terrorism Exclusion
Coverage excludes events occurring in war (civil or foreign, declared or undeclared), riots, popular movements, acts of terrorism, any effect of radioactive source, and conscious disregard of official prohibitions
Medical Aircraft Use Limited to Europe
The use of a specially conditioned medical aircraft is available exclusively in Europe (including Mediterranean-bordering countries in some policy versions) and only at the discretion of the ARAG medical team. Outside Europe, alternative transportation methods will be arranged by ARAG's medical team according to the urgency and severity of the case.
Mandatory Emergency Contact
Insured must contact ARAG emergency service by phone in case of any claim, providing insured name, policy number, location, and phone number, and type of assistance needed
Medical Team Approval Requirement
Insured intervention must be carried out in accordance with ARAG medical team approval; except in emergency or force majeure cases, ARAG decides the medical center for treatment based on severity of illness or injury
Medical Aircraft Use Limited to Europe
Use of specially conditioned medical aircraft is exclusively available in Europe and only at the discretion of ARAG medical team
Minimum Distance for Other Benefits
Other benefits (besides medical assistance) apply when insured is more than 20-30 km from habitual residence, depending on specific coverage