AXA Assistance Travel insurance (Axa Assistance Viaje Mini)

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 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 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 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.

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.

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.

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).

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.

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 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.

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.

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 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.

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.

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. Includes court costs and judicial bonds. Excludes liability from professional activities, motor vehicles, aircraft and watercraft, and certain sports.

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).