AXA Assistance
AXA Assistance is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Medical assistance services are covered without advance payment by the insured (no reimbursement model for direct assistance). AXA's 24/7 medical team coordinates with treating physicians. Prior authorization is required for planned care; in emergencies, the insurer arranges care directly. If direct intervention is impossible due to force majeure, the insured will be reimbursed upon return with supporting documents.
Geographic scope
ES
Europa y Ribereños del Mediterráneo (Jordania incluida), Mundo Entero (excl. USA/Canadá/Japón), o Mundo Entero incl. USA/Canadá/Japón según destino contratado. Las garantías médicas y de repatriación son válidas a más de 25 km del domicilio habitual (10 km en Baleares y Canarias).
Starting from
€2
Unique selling points
- AXA manages over 20,000 medical repatriations annually with access to a network of more than 30,000 medical providers worldwide.
- Medical assistance is provided without advance payment by the insured – AXA coordinates and pays directly, with no reimbursement process for authorized treatments.
- Over 31 covered cancellation causes available as an optional add-on, including pet illness or death, organ transplant and electoral board summons, among the most comprehensive on the market.
- Optional sports guarantee covers scuba diving up to 30 metres, skiing on marked pistes, and includes hyperbaric chamber costs up to 5,000 EUR and search-and-rescue up to 25,000 EUR per incident.
- 24/7 phone legal advisory service included in the base policy, with access to Spanish-speaking lawyers abroad for any legal incident during the trip.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses
Covered
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.
Emergency medical treatment
Covered
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.
Hospitalization expenses
Covered
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.
Outpatient medical treatment
Covered
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.
Emergency dental treatment abroad
Covered
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.
Medical transport and sanitary repatriation
Covered
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.
Medical evacuation
Covered
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).
Repatriation of remains
Covered
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.
Search and rescue expenses
Optional
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.
COVID-19 treatment
Covered
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.
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.
Winter sports coverage
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.
Adventure and sports coverage
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.
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.
Private 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 (up to 60,000 EUR per the marketing page). Includes court costs and judicial bonds. Excludes liability from professional activities, motor vehicles, aircraft and watercraft, and certain sports.
Legal assistance abroad
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).
24/7 assistance service
Covered
AXA Assistance provides 24/7 round-the-clock assistance service accessible by reverse-charge call. The insured must contact assistance within 7 natural days of the event. Once a call is received, the insurer activates its international organization to assist the insured wherever they are.
Key conditions
Assistance call deadline
The insured must contact AXA Assistance within a maximum of 7 natural days from the date of the incident. Contact can be made by reverse-charge call. Medical and transport services must be authorized in advance by the insurer's medical team, except in cases of force majeure.
Unauthorized treatment
Guarantees and services not requested from or authorized by the insurer are not covered, except in proven cases of force majeure or material impossibility. If the insured delays or refuses a transfer arranged by the insurer's medical team for reasons attributable to the insured, coverage ceases. In force majeure situations, the insured will be reimbursed on return with supporting documents.
Purchase while abroad
The policy must be contracted before the trip departure date. If subscribed after the trip has started, coverage takes effect 72 hours after the certificate issuance date. A complementary policy must be issued before the end of the previous policy; if issued after, a 72-hour waiting period applies.
Chronic conditions
Diseases or injuries resulting from pre-existing, serious or chronic conditions with risk of worsening, as well as their complications and relapses, are excluded. Psychiatric, mental or nervous diseases with or without hospitalization are also excluded. The insurer's medical team may review all medical reports.
Pregnancy
Childbirth and pregnancy complications from the 7th month (28 weeks) onwards are excluded. Unforeseeable pregnancy complications in the first seven months are covered, provided they are not related to pre-existing conditions. High-risk pregnancies are excluded. Voluntary termination of pregnancy is excluded.
pre_existing_conditions
A pre-existing or chronic condition is any pathology whose symptoms began before the insurance was taken out, even without a definitive diagnosis. Illnesses and injuries resulting from such conditions, including complications and relapses, are excluded from coverage. This exclusion applies throughout all guarantees.
coverage_duration_limit
The trip duration may not exceed the period specified in the insurance certificate, unless a complementary policy is contracted. The insurer's obligations end when the insured returns to their habitual residence or is admitted to a medical facility within 25 km of their home (15 km in the Balearic and Canary Islands). For annual multi-trip corporate policies, each trip has a maximum of 120 consecutive days of coverage.
Where to buy
Policy specifics
Medical expenses limit in Spain
For Spanish residents, medical expenses in Spain are subject to a sub-limit of 1,000 EUR per the IPID 2022 and Corporate Premium IPID. When contracted online via axa.es, the limit in Spain is 3,000 EUR and outside Spain 10,000 EUR. These limits can be expanded through an AXA agent or office.
Trip cancellation coverage
Trip cancellation is an optional guarantee (Garantía Opcional de Anulación de Viaje) covering real cancellation costs for over 31 specified causes including illness, injury, death, employment events, judicial summons, and natural disasters. The trip cancellation guarantee applies only if the triggering event occurs after the policy subscription date.
Medical repatriation and transport
Coverage for emergency medical repatriation, transport of injured or sick persons to the nearest or most appropriate hospital, and return transport after discharge. In case of death, all formalities and transport to the country of habitual residence are covered. Air ambulance is used in Europe and Mediterranean countries; scheduled airline elsewhere. AXA manages over 20,000 medical repatriations annually.
Baggage loss and delay coverage
Covers theft (only by violence or intimidation), total or partial loss due to carrier, and damage from fire or assault, up to the limit in the certificate. Electronic equipment is covered up to 50% of the total baggage sum. Simple misplacement and theft without force are excluded. Exterior damage is limited to 50 EUR (base policy) or 70 EUR (sports add-on). Normal wear and depreciation are deducted. Delayed baggage reimbursement included for delays over 8 hours or one overnight.
Territorial scope of coverage
Coverage is divided into three territorial groups: (1) Europe and Mediterranean neighbours (Jordan included), (2) Worldwide excluding USA, Canada and Japan, and (3) Worldwide including USA, Canada and Japan, according to the destination contracted. The insurer's obligations end when the insured returns to their habitual country of residence.
Policy duration and timing requirements
The policy must be contracted before the trip departure date. If contracted after the trip has started, coverage takes effect after 72 hours from certificate issuance. The trip duration may not exceed the duration specified in the insurance certificate. Coverage extends from planned departure to planned return date.
Insured residency requirement
The policy holder (Tomador) must be a legal resident in Spain (individual of legal age or legal entity). Each insured person must be under 85 years of age. For online sales via axa.es, the insured must be a Spanish resident or resident in Spain with valid NIF, NIE or CIF.
Maximum indemnity per claim
The maximum indemnity per single claim shall not exceed 120,000 EUR across all coverages combined, as confirmed in both the IPID 2022 and the Corporate Premium IPID. For accident death/permanent disability, the maximum per single claim is 30,000 EUR.
Medical assistance – Direct payment system
Medical assistance services are covered without advance payment by the insured (no reimbursement model for authorized direct assistance). AXA's 24/7 medical team coordinates with treating physicians. Prior authorization is typically required except in genuine emergencies. The insurer must be contacted as soon as possible and within 7 natural days of the event.