Europ Assistance

Covers physician fees, hospital costs, prescribed medications during initial treatment (chronic continuation excluded), and medically ordered local ambulance transport in case of unforeseen illness or accident during travel abroad. Coverage ranges from 900 EUR (GO ROUND modality) to 200,000 EUR (TOTAL FUN! world scope). The 6LI VIAJERO IPID states up to 150,000 EUR. Annual modalities (BYEBYE) cover Europe at 60,000 EUR and rest of world at 100,000–200,000 EUR. A 50 EUR deductible applies per medical service incident. Medical expenses in Spain and abroad are not cumulative.

Emergency medical treatment is covered within the overall medical expenses limit. Contact with Europ Assistance's medical team is required as soon as possible; prior authorization is needed for non-emergency procedures. Coverage applies to unexpected illness or accident during travel outside the habitual residence. Emergency treatment due to COVID-19 is covered as any other illness.

Hospitalization costs are covered as part of the overall medical expenses guarantee up to the limit of the contracted modality. No separate hospitalization sublimit is stated; it is included within the medical expenses ceiling. Hotel stay extension (up to 10 days) is covered if hospitalization is not required but the insured cannot continue travel.

Outpatient treatment (physician fees, diagnostic tests authorized by Europ Assistance's medical team, and medications prescribed during the initial visit) is covered within the overall medical expenses limit per contracted modality. Continuation of chronic treatments is excluded.

Emergency dental treatment is covered within the overall medical expenses guarantee and its corresponding limit per modality. Limits confirmed from the benefits table: GO ROUND 60 EUR, SCHENGEN 100 EUR, SCHENGEN PLUS 100 EUR, FUN! 120 EUR, BYEBYE! 60 EUR, MISSYOU! 150 EUR, TOTAL FUN! 170 EUR. Excluded: endodontics, aesthetic reconstructions of previous dental treatments, prostheses, crowns, and implants.

Europ Assistance organizes and covers medical transport of sick or injured insured persons to a better-equipped hospital or to their habitual residence, using the means determined solely by its medical team: medical aircraft (Europe and Mediterranean rim only), helicopter, ambulance, first-class train, or regular scheduled flight. No monetary limit is stated for this service; it is covered in full subject to medical authorization. If the insured refuses the proposed transport, all warranties and resulting costs are suspended.

Medical evacuation to an appropriately equipped hospital or to a hospital near the insured's habitual residence is organized and fully covered by Europ Assistance when authorized by its medical team. The mode of transport (including medical aircraft limited to Europe and Mediterranean rim, helicopter, ambulance, train first class, or scheduled flight) is chosen exclusively on medical grounds. No monetary cap is stated in the T&C.

In the event of the insured's death during a covered trip, Europ Assistance organizes and fully covers the transport of mortal remains to the place of burial at the insured's habitual residence, including embalming, minimum mandatory coffin, and administrative formalities. Funeral and burial expenses are excluded. This guarantee applies regardless of the cause of death.

COVID-19 is treated as any other illness under the policy. Medical and hospital assistance if the insured falls ill with COVID-19 is covered within the general medical expenses limit of the contracted modality. Consequences of movement restrictions due to the pandemic (lockdowns, border closures, emergency states, generalized quarantines) are excluded. PCR tests are only covered when symptoms are present or when required by a hospital to treat another illness or accident.

Covers up to 30,000 EUR for personal injury, material damage, and consequential losses caused involuntarily by the insured to third parties during travel, pursuant to applicable tort law. Professional liability, vehicle use/operation liability, weapons liability, and economic damages not arising from prior personal or material damage are expressly excluded. Present in FUN!, TOTAL FUN!, BYEBYE!, MISSYOU!, ALLTOGETHER!, and SCHENGEN PLUS! modalities.

Advance of bail and payment of legal fees (attorney and solicitor) arising from a traffic accident abroad. Limits per modality from benefits table: FUN! 600 EUR, TOTAL FUN! 3,000 EUR, BYEBYE! not covered, MISSYOU! 3,000 EUR. Additionally, advance of criminal bail is covered up to 12,000 EUR in FUN!, TOTAL FUN!, BYEBYE!, and MISSYOU! modalities. All advances must be reimbursed to Europ Assistance within 30 days.

Europ Assistance provides a free 24/7/365 assistance service for all insured persons. From Spain: 902 15 85 85; from abroad: +34 915 149 900. The 24-hour service includes information on tourism, administrative formalities, medical information, travel conditions, transportation, accommodations, restaurants, vehicle-related services, and transmission of urgent messages. In order to access any guaranteed service, the insured must first contact Europ Assistance.