ERGO Select
ERGO Select is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
For high-cost treatments, ERGO arranges direct payment guarantees to the hospital. Medical and sanitary transport services must be arranged with ERGO's medical team prior to receiving care, except in emergencies. ERGO will not cover medical or transport services arranged unilaterally by the insured without prior authorization.
Geographic scope
Worldwide (Spain, Europe/Mediterranean, World zones)
Coverage applies within the geographic zone selected at purchase (Spain, Europe and Mediterranean countries, or World). Assistance guarantees are valid more than 30 km from the insured's habitual residence (15 km for Balearic and Canary Islands). No coverage for countries under war or international sanctions.
Unique selling points
- Unlimited medical expenses and repatriation in Europe and World zones, with direct payment to hospitals for high-cost treatments eliminating out-of-pocket advances.
- Integrated Air Doctor telemedicine app included at no extra cost, providing access to non-urgent medical consultations confirmed within 45 minutes during travel abroad.
- COVID-19 medical treatment and trip cancellation cover explicitly included, without requiring a pandemic-exception add-on.
- Policy can be contracted at any time including after trip commencement, with guarantees activating after a 72-hour waiting period.
- Over 100 years of specialist travel insurance experience with 24/7 proprietary assistance center and a network of over 40,000 hospitals and physicians worldwide.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses
Covered
ERGO covers medical-surgical, pharmaceutical, hospitalization and ambulance expenses incurred during the trip due to illness or accident. Coverage limit varies by geographic zone: 3,000 EUR in Spain; unlimited in Europe/Mediterranean and World zones. For insured persons over 70 years on trips exceeding 90 days, the limit in the World zone is capped at 20,000 EUR. Dental expenses are limited to 300 EUR (emergency treatment only). If a long-duration treatment (over 60 days) is required abroad, ERGO arranges transfer of the insured to Spain once medically stable.
Emergency medical treatment (Europe/World)
Covered
Emergency medical treatment abroad (Europe and World zones) is covered with no monetary limit. ERGO provides 24/7 permanent assistance and must be contacted before receiving non-emergency medical care. In cases of vital emergency arising from an unpredictable complication of a chronic or pre-existing condition, ERGO covers expenses for the first emergency care within the first 24 hours of treatment, without a pre-existing conditions add-on.
Hospitalization expenses
Covered
Hospitalization costs are included within the general medical expenses coverage. In Europe and World zones, there is no monetary cap. A daily hospitalization compensation is also provided from day 3 of hospitalization, up to a maximum of 10 days, per the limits stated in the Particular Conditions (50 EUR/day up to 500 EUR max per the guarantees table). This daily compensation is incompatible with the holiday reimbursement guarantee.
Outpatient medical treatment
Covered
Outpatient consultations, diagnostic tests and pharmaceutical expenses incurred during the trip are covered within the general medical expenses guarantee. In Europe and World zones the limit is unlimited. Insured persons also have access to the Air Doctor telemedicine app for non-urgent medical consultations abroad. Second medical opinion and specialist referral services are also included.
Emergency dental treatment
Covered
Emergency dental treatment is covered up to 300 EUR. Covered treatments include cures, extractions, mouth cleaning, and conventional simple radiology due to acute problems such as infections, pain, trauma or accidents requiring urgent dental treatment applied to natural dentition. Endodontic, periodontic, orthodontic treatments, fillings, dental prostheses, implantology and related diagnostics are explicitly excluded.
Medical transport and sanitary repatriation
Covered
ERGO covers transport to the nearest hospital or to the insured's domicile in the event of accident or illness. Medical transport mode is decided by ERGO's medical team based on urgency and severity. Air ambulance use is exclusively included in Europe and Mediterranean countries. If the insured is admitted to a hospital far from home, ERGO covers the subsequent transfer to the domicile once medically feasible. The insured also has re-incorporation to the journey covered after recovery.
Medical evacuation
Covered
Medical evacuation is included within the sanitary transport guarantee. The mode (including air ambulance where medically necessary) is chosen by ERGO's medical team. Air ambulance use is limited to Europe and Mediterranean countries. Helicopter evacuation in the context of sports accidents is covered up to 3,000 EUR when the Group C sports add-on is contracted.
Repatriation of mortal remains
Covered
In the event of death, ERGO covers all formalities and transport costs of the remains in a zinc coffin (or urn in case of prior cremation) from the place of death to the place of burial in Spain. The cost of the standard coffin and burial or ceremony expenses are excluded. ERGO also arranges and covers transport of other insured persons traveling with the deceased if they cannot return by the originally planned means.
Search and rescue expenses
Covered
In the event of a covered accident requiring search, rescue, transport or repatriation by civil or military rescue services, ERGO reimburses costs up to the limit in the Particular Conditions (300 EUR standard per the guarantees table). If a helicopter is required for evacuation, ERGO covers costs up to the limit in the Particular Conditions with a maximum of 3,000 EUR when the sports Group C add-on has been contracted. For sports activities requiring the Group C add-on, the activity must be practiced responsibly under accredited guides or monitors.
COVID-19 medical treatment
Covered
COVID-19 is explicitly covered within the medical assistance and trip cancellation/interruption guarantees. The pandemic exclusion is explicitly carved out for COVID-19-originated incidents. Medical expenses due to COVID-19 illness during the trip are covered within the general medical expenses guarantee (unlimited in Europe/World zones). COVID-19 is also a covered cause for trip cancellation (clause 1.1) and for assistance guarantees (exclusion c explicitly excepted for COVID-19).
Pre-existing conditions coverage (optional package)
Optional
Pre-existing conditions are excluded from standard coverage. An optional package (Paquete de Cobertura Opcional de Preexistencia de Enfermedades y de Terrorismo) can be contracted additionally. When this optional package is contracted, ERGO covers medical expenses resulting from chronic or pre-existing conditions in cases of vital emergency, up to a limit of 100,000 EUR, sufficient to achieve stabilization and allow transfer to Spain. Complications and relapses of pre-existing conditions also become covered causes for trip cancellation (cause 1.9). Without the optional package, only the first 24-hour emergency treatment is covered for unpredictable complications of pre-existing conditions.
Winter sports coverage
Optional
Winter sports (skiing, snowboarding, etc.) performed on properly marked and signposted ski slopes are classified as Group C activities. Group C activities require prior express authorization from ERGO and payment of an additional premium. When this add-on is contracted, ski slope accidents and rescue costs are covered (up to 3,000 EUR for helicopter evacuation). A refund of ski lift passes and ski lessons is also provided if the insured must interrupt the stay due to an accident (up to the daily and maximum limits in Particular Conditions). Winter sports performed off-piste or on closed slopes are Group D activities and are never covered.
Adventure sports coverage (Group C activities)
Optional
Activities in Group A (hiking, swimming, kayak, cycling, snorkelling, etc.) and Group B (mountain bike, sailing, paintball, surfing, snowshoeing, etc.) are covered by default. Group C activities (canyoning, diving up to 20m, rock climbing, rafting, quad bikes, bungee jumping, kitesurfing, etc.) require prior express authorization and an additional premium. Group D activities (activities above 5,000m altitude, professional sports, rugby, boxing, motor sports, off-piste skiing, etc.) are never covered under any circumstances.
Pregnancy complications
Conditional
Unforeseeable complications of pregnancy are covered within the medical expenses guarantee only during the first 24 weeks of gestation. Normal births (partos) are explicitly excluded. Risk pregnancy requiring bed rest, serious complications threatening the continuity of the pregnancy, and premature birth are covered as trip cancellation causes (clauses 1.6, 1.7, 1.8), provided these conditions arose after the policy was taken out.
Private civil liability
Covered
ERGO covers monetary compensation for which the insured may be held liable as a private person for involuntary bodily or material damage caused to third parties during the trip, in accordance with Articles 1902-1910 of the Spanish Civil Code or equivalent foreign legislation. Limit: 90,000 EUR (per guarantees table) including court costs and judicial bonds. Excluded: liability arising from driving motor vehicles, aircraft or vessels; professional, trade-union or political activities; fines and sanctions; Group D sports activities.
Legal protection
Covered
Legal protection coverage is provided by Onlygal Seguros y Reaseguros (as underwriter). ERGO covers up to 3,000 EUR per claim for legal costs including: criminal defense for imprudent acts during travel; remote legal advice; claims for non-contractual damages; claims for breach of purchase or service contracts entered during travel. Legal advice is available Monday to Friday 09:00-20:00 (Spanish time). A minimum litigation threshold of 450 EUR applies below which only amicable claims are guaranteed. The insured has the right to freely choose their lawyer and solicitor.
24/7 assistance service
Covered
ERGO provides a permanent 24-hour assistance service for insured persons. Services include: medical information, interpreter service, urgent message transmission, luggage search and forwarding, travel information, card cancellation, emergency cash advance abroad (up to 1,500 EUR), urgent medication delivery, home security service, companion displacement in case of hospitalization (hospitalization lasting more than 3 days triggers a companion travel benefit - unlimited), and escort of mortal remains. The Air Doctor app provides access to non-urgent telemedicine consultations during travel in Europe.
Key conditions
Assistance call deadline
The insured must contact ERGO's assistance center by phone before receiving medical care (except in emergencies or proven force majeure). Medical and sanitary transport services must be arranged with ERGO's medical team prior to execution. If ERGO has not been contacted and direct intervention is not possible, the insured will be reimbursed upon return to Spain against presentation of invoices.
Unauthorized treatment
Medical or transport services arranged unilaterally by the insured without prior authorization or knowledge of ERGO will not be covered, unless there is a demonstrable emergency or force majeure. If ERGO has issued a payment guarantee to a third party and it subsequently transpires that the expenses were not covered by the policy, the insured must reimburse ERGO within 30 days of the request.
Purchase while abroad
The policy can be contracted at any time, including after the trip has already started. However, when the policy is contracted after the start of the trip, a mandatory 72-hour waiting period applies from the date of contracting before guarantees (except cancellation-related ones) become effective. Baggage theft coverage is excluded when the policy is contracted after the trip has started.
Chronic conditions
Chronic or pre-existing conditions are excluded from the standard medical assistance coverage, except for the first 24 hours of emergency treatment for an unpredictable vital emergency arising from an unforeseen complication of the chronic condition. Full coverage of chronic and pre-existing conditions in vital emergencies (up to 100,000 EUR) is only available if the optional pre-existing conditions package has been contracted.
Pregnancy
Deliveries (births) are explicitly excluded. Unforeseeable pregnancy complications are covered within medical expenses only during the first 24 weeks of gestation. Risk pregnancy requiring bed rest (arising after policy contracting), serious complications threatening the pregnancy, and premature birth are covered as trip cancellation causes (clauses 1.6, 1.7, 1.8).
pre_existing_conditions
Pre-existing conditions (those diagnosed, under treatment or study, or that could not have gone unnoticed prior to contracting the policy or at the start of the trip) are excluded from medical coverage by default. Without the optional package, only a first-attendance emergency treatment within 24 hours of the onset is covered for vital emergencies from unforeseen complications. The optional pre-existing conditions package extends medical coverage for vital emergencies up to 100,000 EUR and adds trip cancellation cover for relapses and complications (clause 1.9).
coverage_duration_limit
In the annual policy modality, stays exceeding 90 consecutive days are not covered; the Temporal modality (up to 365 consecutive days) must be contracted for longer trips. For insured persons over 70 years old traveling more than 90 days (365-day modality), the medical expense limit abroad is capped at 20,000 EUR. Accident coverage applies only to insured persons up to 70 years of age.
Where to buy
Documents
ERGO Select - General Terms and Conditions 2026 (ERGO-SELECT_V022026-0326)
terms_and_conditions
ERGO Select - General Terms and Conditions 2022 (ERGO-SELECT_V022022_0322)
terms_and_conditions
ERGO Viajero Seguro - General Terms and Conditions (ERGO-ViajeroSeguro_V012023-0123)
terms_and_conditions
Policy specifics
Medical repatriation
Unlimited coverage for medical repatriation expenses in case of serious illness or accident
Companion travel and accommodation costs
Coverage for transportation and accommodation of a travel companion if the insured requires hospitalization for more than 5 days
Emergency medication delivery
ERGO will arrange and cover the cost of emergency medication delivery to the insured abroad when necessary medications cannot be obtained locally
Hotel stay extension due to medical reasons
If the insured cannot continue their journey due to medical prescription and needs to stay in a hotel for recovery, ERGO covers accommodation and meals
Telemedicine consultations
24/7 access to medical distance consultations through the Air Doctor app for non-emergency medical advice
Age limit for medical coverage
Medical coverage may be limited or restricted for travelers over 70 years of age on trips exceeding 90 days
Geographic coverage area selection
Insured must select their geographic coverage area (Europe, World, USA, etc.) and coverage only applies within the selected zone
Medical necessity authorization requirement
ERGO medical services must determine if medical treatment is necessary and authorize the type and timing of services provided
72-hour waiting period for policies purchased after trip commencement
If a travel insurance policy is purchased after the trip has already started, there is a mandatory 72-hour waiting period before coverage becomes effective
Exclusion of treatments that can be postponed
Medical treatments that can be safely postponed until the insured returns to Spain are not covered by the policy
Private hospital treatment exclusion
Treatment in private hospitals or clinics may not be covered unless specific authorization is obtained from ERGO assistance services