ERGO Select Travel insurance (Select)

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 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 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 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 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.

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 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.

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.

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 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 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 (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.

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.

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.

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 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.