FIATC Travel insurance (Viaje)

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 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 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 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 are covered in both tiers: Viaje up to €100, Básico up to €30. Covers emergency dental treatment required during travel.

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 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 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 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, 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 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 coverage is not listed in the Viaje or Básico benefits table. FIATC offers a separate 'Seguresquí' product for ski/winter sports coverage.

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.

Unexpected pregnancy complications are covered under the medical expenses guarantee, except complications occurring from the seventh month of pregnancy onward, or at any stage of pregnancy if the insured has had complications in previous pregnancies, which are excluded.

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 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.