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Feature / category	Allianz May 14, 2026 Open details	A.M.A. Seguros Jul 15, 2026 Open details	ARAG Jul 16, 2026 Open details	AXA Assistance May 14, 2026 Open details
Overview
Insurer	Allianz, Compañía de Seguros y Reaseguros, S.A.	A.M.A. Agrupación Mutual Aseguradora	ARAG SE, Branch in Spain	Inter Partner Assistance S.A., Sucursal en España
Online purchase	Yes	Yes	Yes	Yes
24/7 helpline	Yes	Yes	Yes	Yes
Starting price	€2	€30	€6	€2
Billing basis	per_trip	annual	per_trip	per_trip
Unique selling points	Not available	Complete international medical assistance with no deductible — all covered services are arranged and paid directly without the insured having to pay upfront. Medical capital up to 5,000,000 EUR for the Temporal Ocio modality — one of the highest available limits in the Spanish market for leisure travel. Medication dispatch from Spain to any country where the insured is located if vital treatment drugs cannot be obtained locally. COVID-19 and pandemic quarantine stay extension covered — accommodation costs for unforeseen trip extensions caused by a state of alarm, border closure or medical quarantine. Designed exclusively for healthcare professionals and their families — coverage tailored to the specific needs of medical, nursing and healthcare students including study-abroad and cooperation mission modalities.	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.	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.
IPID	Not available	IPID	IPID	IPID
Terms & conditions	Not available	Not available	Terms & conditions	Terms & conditions
Coverage
Medical expenses	€75,000	€5,000,000	€2,000 – €1,000,000	€25,000
Medical transport	Covered	Covered	unlimited	unlimited
COVID-19 treatment	Medical, surgical, pharmaceutical and hospitalisation expenses arising from the diagnosis of an epidemic or pandemic disease such as COVID-19 are covered within the overall medical expenses limit of €75,000, provided that the insured did not travel against the advice of the Government of their country of origin or against the advice of the relevant Local Authority at the travel destination. Coverage for illness prolongation of hotel stay and repatriation for COVID-19 is also expressly included.	In the event of a state of alarm declaration, border closure or medical quarantine, accommodation costs for an unforeseen trip extension are covered. This applies to trips of maximum 30 days abroad and is subject to policy limits. Medical treatment for COVID-19 is covered as part of the general medical assistance where the illness is not pre-existing.	€2,000 – €1,000,000	€25,000
Personal liability	€30,000	Covered	Optional	€60,000
Emergency dental	€60	Covered	€250	€150
Search & rescue	Excluded	Not offered	€3,000	Optional
Legal assistance	€600	Covered	€3,000	Covered
Emergency medical treatment	€75,000	Covered	€2,000 – €1,000,000	€25,000
Hospitalization	€75,000	Covered	€2,000 – €1,000,000	€25,000
Outpatient treatment	€75,000	Covered	€2,000 – €1,000,000	€25,000
Medical evacuation	Covered	Covered	unlimited	unlimited
Repatriation of remains	€600	Covered	unlimited	unlimited
Pre existing conditions	Excluded	Excluded	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.	Excluded
Winter sports cover	Excluded	Not offered	Excluded	Optional
Adventure sports cover	Excluded	Not offered	Optional	Optional
Pregnancy complications	Excluded	Not offered	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.	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.
Key conditions
Assistance call deadline	El asegurado debe notificar el siniestro a Allianz Travel inmediatamente después de haber ocurrido. Como referencia general para pólizas Allianz en España, el plazo máximo habitual es de 7 días desde el suceso para conservar el derecho a indemnización.	The insured must notify the insurer of the claim within a maximum of 7 days from the date the insured became aware of the incident, unless a longer period is agreed in the Particular or Special Conditions. Claim notification and service requests must be submitted in writing to the insurer.	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.	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.
Purchase while abroad	No es posible contratar el seguro estando ya de viaje. El seguro de vacaciones de Allianz está disponible exclusivamente para residentes en España y debe contratarse antes del inicio del viaje, con un máximo de 24 horas antes de la salida (o dentro de las 72 horas tras la reserva si quedan menos de 30 días para el inicio y se incluye cobertura de anulación).	The policy must be taken out before the start of the trip. AMA Seguros requires the policy to be formalized prior to departure; purchase while already abroad is not normally possible.	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).	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	La cobertura médica del seguro de vacaciones de Allianz cubre enfermedades inesperadas y condiciones médicas graves sobrevenidas durante el viaje, incluyendo COVID-19 y otras epidemias o pandemias. Las enfermedades crónicas o condiciones preexistentes estables no están cubiertas como regla general; solo se cubre una agravación aguda e imprevista de dichas condiciones si se produce durante el viaje.	Chronic conditions or ailments under prior medical treatment before the start of the trip are explicitly excluded from coverage, including their sequelae.	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.	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	Not available	AMA Seguros travel policy documents do not explicitly mention pregnancy or gestational complications as a named covered benefit. The official IPID document confirms a general exclusion for pre-existing conditions, chronic ailments, and conditions under medical treatment prior to the trip start date. Since a known pregnancy existing before the trip begins would fall under this pre-existing condition exclusion, related complications are unlikely to be covered. No gestational week limit, specific pregnancy clause, or explicit pregnancy coverage is stated in any official AMA Seguros travel product source. Customers should consult AMA directly for clarification before travelling.	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.	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.
Unauthorized treatment	Not available	The sources do not explicitly describe a penalty for obtaining medical treatment without prior authorization from AMA. However, the insured is required to use AMA's international assistance network and to notify the insurer promptly; failure to comply with notification obligations may affect coverage eligibility.	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.	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.
Pre existing conditions	Not available	Pre-existing and/or congenital diseases, chronic conditions or ailments under prior medical treatment before the trip start are explicitly excluded, including their sequelae from accidents or illnesses that occurred or manifested before the insured's inclusion date.	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.	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	Not available	For temporary modalities, coverage is limited to incidents occurring within the period of cover established in the insurance contract. The Annual modality covers trips of less than 90 consecutive days. The Temporal Ocio modality can be contracted for trips from a minimum of 7 days. The Estudios modality has a minimum of 1 month and maximum of 12 months.	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.	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.
Proof and next steps
Direct payment policy	Medical assistance services organised and authorised by Allianz Travel are paid directly by the insurer. Services not requested from or organised by Allianz Travel do not give right to reimbursement or any compensatory indemnification.	AMA deploys its international assistance network to directly arrange and pay for medical and surgical care, hospitalization, repatriation and related services for insured travellers, without requiring the insured to pay upfront in the majority of cases. Medication dispatch from Spain and advance of bail bonds for hospitalization are also covered directly.	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.	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.
Last verified	May 14, 2026	Jul 15, 2026	Jul 16, 2026	May 14, 2026