Coverontrip

Covers medical, surgical, pharmaceutical and hospitalisation expenses incurred during a trip due to illness or accident. Limits vary by tier: 30,000 EUR (COTCARD Lowcost / Europtrip / Mundotrip) or 60,000 EUR (COTCARD Diamond / USATRIP / Full Anti-COVID top). A lower limit of 3,000 EUR applies for treatment in the country of origin.

Emergency medical treatment is included within the overall medical expenses coverage. For pre-existing or chronic conditions, only the costs of first emergency care within the first 24 hours from the start of treatment in a medical centre are covered. Limits match the medical expenses ceiling (30,000–60,000 EUR by tier).

Hospitalisation expenses are covered as part of the overall medical expenses guarantee. Continuity treatment hospitalisation in the country of origin is covered up to 6,000 EUR for a maximum of 30 days (COTCARD Diamond). Primary limits range from 30,000 to 60,000 EUR depending on tier.

Outpatient (ambulatory) medical visits and treatment are included within the medical expenses guarantee. The FAQ confirms coverage includes medical visits and outpatient treatments. Overall limit shared with inpatient expenses (30,000–60,000 EUR by tier).

Emergency dental expenses abroad are covered up to 500 EUR (COTCARD Diamond). Limited to emergency dental treatment only, covering infections, pain, and tooth loss due to accidents. Domestic dental coverage for routes product is up to 150 EUR in Spain.

In the event of accident or illness during a trip abroad, the insurer organises and covers the costs of transfer or repatriation of the insured to an adequately equipped medical centre or their home country, as decided by the insurer's medical team in coordination with the treating doctor. Mode of transport is chosen by the insurer based on the urgency and severity of the situation.

Medical evacuation is covered as part of the medical transport guarantee. When local care is deemed insufficient by the insurer's medical services, a specialist doctor may be sent to the insured's location, and transfer to a more adequately equipped facility or repatriation is organised. Specific monetary limits are defined in Condiciones Particulares per tier.

The insurer covers all necessary formalities and expenses for the transfer or repatriation of mortal remains to the place of burial, cremation or funeral ceremony in the insured's country of residence. Costs of the burial, cremation or ceremony itself are excluded. Accompaniment by a companion is covered (Ilimitado, max. 3 companions as stated in the Diamond benefits table).

The insurer covers search, rescue and/or recovery expenses arising from an accident to the insured, whether by civilian or military rescue services or any emergency organisation alerted for that purpose. The monetary limit is established in Condiciones Particulares per tier.

COVID-19 illness is explicitly included within the medical expenses coverage across all COTCARD tiers. Product marketing confirms 'Asistencia de viaje con Anti-COVID19 incluido'. Medical expenses limits apply (30,000–60,000 EUR depending on tier). Includes medical advisory for COVID-19 oriented to travel (COTCARD GC clause 42).

Covers material and personal injury damages caused involuntarily to third parties (persons, animals or property) during the trip. Includes legal costs and court fees. Franquicia (deductible) and maximum sum guaranteed per contract and year are established in Condiciones Particulares. The COTCARD Full Anti-COVID page confirms limits of 30,000 EUR (standard) and 60,000 EUR (top tier) respectively.

Covers penal defence of the insured and their criminal liability in foreign courts within the scope of their private life during the trip. Excludes cases where the insured acts with intent or gross negligence. Monetary limit is established in Condiciones Particulares. Also includes legal information services abroad.

A permanent 24-hour assistance service is available to all policyholders across all COTCARD tiers. The service operates 24 hours a day, 7 days a week, 365 days a year, providing assistance in Spanish from anywhere in the world at no extra cost. Includes the CALLCOT 24h medical chat service.