CASER Travel insurance (Asistencia En Viaje)

Medical, surgical, hospitalization and pharmaceutical expenses prescribed by a physician due to unforeseeable illness or accident are covered both in Spain and abroad, up to the limit indicated in Condiciones Particulares (sections 1.1 and 1.2 of the CCGG).

Emergency medical treatment arising from an unforeseeable illness or accident is covered as part of the general medical expenses guarantee (sections 1.1 and 1.2 of the T&Cs). All medical, surgical and hospitalization expenses prescribed by a physician are covered up to the limit in Condiciones Particulares. The insurer coordinates care through its own medical team. Exact monetary limits are defined in the Condiciones Particulares, which differ by tier and territorial scope.

Hospitalization costs prescribed by a physician are covered as part of the medical expenses guarantee (sections 1.1 and 1.2). Supplementary costs for private or individual hospital rooms are excluded. Exact limits are set in the Condiciones Particulares and vary by tier and territorial scope (Integral and Prestige). The insurer provides a companion travel and accommodation allowance when hospitalization exceeds five days (section 3.2 and 3.3).

Outpatient medical consultations and pharmaceutical expenses prescribed by a physician are covered under the medical expenses guarantee (sections 1.1 and 1.2) up to the limit set in Condiciones Particulares. Costs incurred after return to domicile or for treatments that can be deferred are excluded. Psychological, psychoanalytic, rehabilitation, cosmetic and preventive treatments are explicitly excluded.

Urgent dental care expenses abroad, strictly necessary to relieve pain, are covered up to the amount indicated in Condiciones Particulares (section 1.3 of the CCGG).

The insurer covers all transport costs (regular aircraft, mobile unit, medical aircraft where applicable) to the nearest hospital and then to the insured's habitual domicile in Spain. The insurer's medical team decides the means and timing of transport; the insured must comply or coverage is suspended. Medical air transport (air ambulance) is limited to Europe and Mediterranean-border countries; beyond this zone only regular-line aircraft is covered. Cost limits are not specified in the general conditions — the insurer undertakes full organization and payment. Applies to both Integral and Prestige.

Medical evacuation to the most suitable hospital and subsequent repatriation to Spain is organized and funded by the insurer (section 2.1). The means of transport is decided exclusively on medical grounds. Air ambulance use is limited to Europe and Mediterranean-border countries. Beyond this zone, only regular-line aircraft is used. The insured must follow the insurer's medical team indications; non-compliance suspends all cover. Applies to both tiers.

If the insured dies during a covered trip, the insurer organizes and fully covers the transfer of the body to the place of burial in Spain, including post-mortem conditioning costs (embalming and minimum legal coffin required for transport), but excluding burial and ceremony costs. Companion insured persons (spouse and children under 25 living together, or two companions) also have their transfer covered. Applies to both Integral and Prestige.

Section 3.7 of both Integral and Prestige T&Cs states that the insurer covers search and rescue costs up to the maximum set in the Condiciones Particulares in case of accident, by civil or military rescue services or any official emergency organism. Only costs invoiced by an accredited operator are reimbursable. However, the General Exclusions (section 6 of Integral/Prestige CCGG) explicitly exclude rescues at sea, in caves/pits (simas), deserts or mountains — unless in the latter two cases the insured is using established public roads. The IPID also expressly lists sea/cave/desert/mountain rescues as not covered. This coverage therefore only activates in very limited circumstances (e.g. rescue on an established road in a mountainous area). Must be pre-authorized via the Assistance Center. Available in Integral (includes section 3.7); not listed as a standard coverage in the IPID.

Neither the Integral nor the Prestige General Conditions contain a specific exclusion for COVID-19. As an unforeseeable illness, medical treatment for COVID-19 is covered under the general medical expenses guarantee (section 1.1/1.2), up to the limit set in Condiciones Particulares, consistent with the IPID's statement that medical assistance worldwide is guaranteed for unforeseeable illness or accident.

Pre-existing conditions are excluded from medical expenses coverage in the Integral tier. In the Prestige tier, medical expenses abroad arising from a pre-existing illness are covered up to the amount indicated in Condiciones Particulares (section 1.2 of the Prestige CCGG).

By default, both Integral and Prestige explicitly exclude claims arising from winter sports, skiing, motorsports, mountaineering, climbing, high-altitude excursions above 4,000 m, non-recreational diving (below 20 m), spelunking, bungee jumping, hang-gliding, paragliding, skydiving, hunting, combat sports, and similar activities. A surcharge (sobreprima) can be agreed with the insurer to add such activities — the T&Cs state "salvo pacto en contrario y aplicación de la sobreprima que corresponda". Coverage can therefore be activated as a paid add-on with the insurer's explicit acceptance.

Adventure and dangerous sports are excluded by default (definition section of T&Cs and general exclusions). The definition of "Deportes o Actividades Peligrosas" includes a long list of activities. However, the insurer allows these to be added via explicit prior agreement and payment of the applicable surcharge ("salvo pacto en contrario y aplicación de la sobreprima que corresponda"). Professional sports practice and participation in competitions, training sessions and bets are excluded in all cases with no surcharge exception. Bullfighting and taurine events are absolutely excluded.

Pregnancy complications are covered only up to and including week 28 of pregnancy. Complications occurring from week 29 onwards are explicitly excluded (exclusion d) for both Integral and Prestige). Voluntary termination of pregnancy and childbirth are excluded in all cases. Complications during any stage of pregnancy are excluded if the insured woman had prior complications in previous pregnancies. Coverage activates only for unexpected complications before week 29 in a woman with no prior pregnancy complications.

The insurer guarantees compensation up to the amount indicated in Condiciones Particulares for personal and material damages (and their consequential losses) caused by the insured to a third party during a covered trip, subject to a deductible and exclusions (e.g. professional liability, motor vehicles, weapons).

The insurer covers the insured's legal defence expenses (lawyer and court agent fees, notarial costs, expert costs, court costs imposed by sentence) arising from administrative, judicial or arbitral proceedings during the trip, up to €3,000 per claim (as stated in the Legal Defence section of both CCGG). Covered guarantees include: legal information in Spain and abroad, damage claims, purchase/service contract claims, criminal liability defence, flight cancellation/delay claims (the latter must be expressly contracted in CCPP). The insured may freely designate a lawyer and court agent. Applies to both Integral and Prestige.