FIATC
FIATC is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Medical assistance is coordinated directly by FIATC's 24/7 assistance central (+34 91 594 96 05). Policyholders must contact the assistance line before seeking treatment; unreported or unauthorized treatment may result in reduced or rejected reimbursement.
Geographic scope
Worldwide (with destination-based limits)
Coverage varies by destination: country of origin/nationality/residence, Europe and Mediterranean, or rest of the world. Must be contracted before departure from Spain.
Unique selling points
- Medical coverage up to €1,000,000 for rest-of-world destinations, selectable to match the cost of healthcare in the destination country.
- 'Tu Doctor de Viaje' telemedicine service included in all variants, providing 24/7 phone, chat and video consultations with doctors in the traveller's own language from anywhere in the world.
- Instant online issuance: the policy documentation is available for download immediately after online payment, enabling same-day coverage even on the day of departure.
- Optional COVID-19 coverage available as an add-on in the Viaje tier, covering medical expenses and hotel quarantine accommodation up to €80/day for up to 15 days.
- Trips and stays of up to one year in duration are eligible, with an annual multi-trip option also available for travellers making multiple trips per year.
Coverage limits
Medical, surgical, pharmaceutical and hospitalisation expenses
Covered
Covers medical, surgical, pharmaceutical and hospitalisation expenses due to illness or accident during travel. Limits vary by tier and destination: Viaje – country of origin €3,000; Europe €30,000 (optionally extendable to €60,000, €100,000, €250,000 or €500,000); rest of world €60,000 (optionally extendable to €100,000, €250,000, €500,000 or €1,000,000). Básico – country of origin €1,500; Europe €10,000 (not extendable); rest of world €20,000 (not extendable). Maximum overall coverage up to €1,000,000.
Emergency medical treatment
Covered
Emergency medical treatment is covered as part of the medical expenses guarantee (gastos médicos, quirúrgicos, farmacéuticos y de hospitalización). Limits match those of medical_expenses: €1,500–€1,000,000 depending on tier and destination. The 'Tu Doctor de Viaje' telemedicine platform is included in both tiers for initial medical assessment.
Hospitalisation expenses
Covered
Hospitalisation is covered as an integral part of the medical expenses guarantee. Limits are the same as medical_expenses and vary by tier and destination. Additionally, companion travel and accommodation expenses during hospitalisation of the insured (up to 10 days at €80/day in Viaje tier) are covered; this benefit is not included in the Básico tier.
Outpatient treatment
Covered
Outpatient medical and surgical expenses are covered within the overall medical expenses guarantee. No separate explicit outpatient sub-limit is stated; the same destination-based limits apply as for medical_expenses. Pharmaceutical expenses are also included.
Emergency dental expenses
Covered
Emergency dental expenses are covered in both tiers: Viaje up to €100, Básico up to €30. Covers emergency dental treatment required during travel.
Medical transport (repatriation or health transport due to illness or accident)
Covered
Repatriation or health transport due to illness or accident is covered (stated as 'Incluido') in both Viaje and Básico tiers. No monetary cap is specified in the benefits table. Family or companion travel expenses and accommodation (up to 10 days at €80/day for Viaje, €60/day for Básico) are also covered.
Medical evacuation
Covered
Medical evacuation is covered as part of the repatriation or health transport guarantee, included in both Viaje and Básico tiers (stated as 'Incluido'). No separate monetary cap is specified. Must be arranged through the 24/7 assistance line.
Transport of mortal remains
Covered
Transport of mortal remains is covered (stated as 'Incluido') in both Viaje and Básico tiers. No monetary cap is specified. Family or companion travel and accommodation expenses related to this event are also covered (up to 10 days at €80/day for Viaje, €60/day for Básico).
Search and rescue
Not offered
Search and rescue expenses are not listed in the Viaje or Básico benefits table. This coverage is referenced for other FIATC modalities (e.g. Turisport) but not for the Viaje/Básico product line.
COVID-19 medical expenses coverage
Optional
COVID-19 medical, surgical, pharmaceutical and hospitalisation expenses can be covered as an optional addition to the Viaje tier (available for trips up to 90 days). The limit mirrors the contracted medical expenses guarantee, with a maximum cap of €100,000 for COVID-19 in policies with a higher overall medical limit for travel outside the country of nationality or residence. Not available in the Básico tier.
Pre-existing medical conditions
Excluded
Pre-existing conditions and chronic diseases that existed before the trip commenced are explicitly excluded. Claims arising from pre-existing diseases are not covered in either Viaje or Básico tiers.
Winter sports cover
Not offered
Winter sports coverage is not listed in the Viaje or Básico benefits table. FIATC offers a separate 'Seguresquí' product for ski/winter sports coverage.
Adventure sports cover
Not offered
Adventure sports coverage is not listed in the Viaje or Básico benefits table. FIATC's Turisport modality is designed for sporting travel but is a separate product from Viaje/Básico.
Pregnancy complications
Conditional
Pregnancy complications that arise unexpectedly during travel may be covered under the general medical expenses guarantee, but planned or pre-existing pregnancy conditions are excluded. No explicit pregnancy sub-limit is stated in the Viaje/Básico benefits table. Coverage is conditional on the complication being sudden and unforeseeable.
Private civil liability
Covered
Private civil liability is included in both tiers. Viaje tier: limit per claim €150,000, maximum per claim for all persons affected €300,000. Básico tier: limit per claim €6,000, maximum per claim for all persons affected €12,000.
Legal assistance abroad
Covered
Legal assistance expenses incurred abroad are covered in both tiers up to €600 (same for Viaje and Básico). Additionally, advance of penal bond up to €300 is covered in both tiers. Legal information abroad is included in both tiers. Advance of funds (€180) is only available in the Viaje tier.
24/7 assistance and telemedicine ('Tu Doctor de Viaje')
Covered
24/7 assistance is included in both Viaje and Básico tiers. Access to the 'Tu Doctor de Viaje' telemedicine platform is included, providing phone, chat and video consultations with medical professionals in the traveller's language, available year-round. Contact: +34 91 594 96 05 or https://telehealth-easy.com/spain/fiatc.
Key conditions
Assistance call deadline
The insured must contact the 24/7 assistance line (+34 91 594 96 05) as soon as any medical symptom or incident arises during travel. Unreported or unauthorized treatment may result in reduced or rejected reimbursement. The policy must be contracted before departure from Spain.
Unauthorized treatment
Medical expenses reimbursement may be reduced or denied if the insured seeks treatment without prior authorization from the assistance central, unless a genuine emergency prevented prior contact.
Purchase while abroad
The travel insurance policy must be contracted before departure from Spain. It cannot be purchased once the trip has already commenced.
Chronic conditions
Chronic diseases and conditions pre-existing before the start of the trip are explicitly excluded from coverage under both the Viaje and Básico tiers.
Pregnancy
Unexpected pregnancy complications arising during travel may be covered under the general medical expenses guarantee, provided the condition is sudden and unforeseeable. Planned maternity care and pre-existing pregnancy conditions are excluded.
pre_existing_conditions
Pre-existing medical conditions, diseases or injuries diagnosed before the trip are excluded. This includes conditions caused by intentional ingestion of alcohol, drugs, narcotics or use of medication without a medical prescription.
coverage_duration_limit
The policy covers trips and stays of up to one year in duration. For optional COVID-19 coverage, the trip must not exceed 90 days. The coverage period is specified in the particular conditions of the policy.
Where to buy
Documents
FIATC Travel Insurance – Viaje and Viaje Básico Coverage Summary (11/2024)
benefits_table
Policy specifics
Medical assistance abroad
Coverage for medical, surgical, pharmaceutical and hospitalization expenses due to illness or accident during travel, with limits ranging from €30,000 to €1,000,000 depending on destination
Repatriation and medical transfer
Coverage for repatriation costs in case of serious illness, accident or death; includes medical transfer to appropriate medical facility
Trip cancellation and interruption (optional)
Optional coverage that reimburses flight, accommodation and activity costs if travel is cancelled or interrupted for justified reasons; covers 26 predefined causes
Baggage loss and damage coverage
Financial compensation for loss, theft or damage to luggage during transport; limits from €900 to €1,200 per policy variant
Pre-existing medical conditions exclusion
Claims related to pre-existing or chronic diseases that existed before trip commencement are excluded unless specific waiver applies
Mental health and substance-related exclusions
Specific exclusions for suicide, attempted suicide, mental disorders, anxiety, stress, depression and STI/VD claims
War and conflict zone exclusion
Travel to countries in state of siege, insurrection, armed conflict or officially war-declared regions is not covered
24/7 medical assistance hotline and telemedicine
Access to 'Tu doctor de viaje' platform providing phone, chat and video consultations with medical professionals available 24/7 in traveler's language