Generali Travel insurance (Generali Viaje Eleccion)
Underwritten by Generali España S.A., de Seguros y Reaseguros · Spain
travel insurance from Generali for the Spain market, with 24/7 assistance.
Last verified Jul 16, 2026Sources
Unique selling points
24/7 medical assistance unit available 365 days a year, reachable from Spain and abroad, coordinating directly with local and insured's physicians throughout the trip.
Flexible geographic coverage selectable at contracting — Spain, Europe or Worldwide — allowing customers to match coverage scope precisely to their destination.
Optional pre-existing conditions coverage available for non-terminal illnesses declared at contracting, an inclusion not offered as standard by many travel insurers.
COVID-19 treated as any other illness, with PCR costs and hotel extension covered when medically required, without a specific pandemic exclusion on medical treatment.
Coverage limits
Medical expenses
€150K – €1.5M
Medical expenses cover ranges from €150,000 up to €1,500,000 depending on the option contracted (Viajero / Viajero Plus / Viajero Premium).
Section: Todas las garantías de GENERALI Asistencia en Viaje > Viajero / Viajero Plus / Viajero Premium > Principales coberturas
Asistencia médica (150.000€ / 500.000€ / 1.500.000€)
Emergency Medical Treatment
—
Hospitalization
—
Outpatient Treatment
—
Emergency dental
—
Medical transport
—
Medical Evacuation
—
Repatriation Of Remains
—
Search and rescue
Excluded
Rescue of persons in mountains, caves, at sea or in the desert is explicitly excluded from coverage.
Section: ¿Qué no está asegurado?
Rescate de personas en montaña, sima, mar, o desierto.
COVID-19 treatment
Covered
Generali treats COVID-19 as any other illness and includes it within medical expense coverage. PCR test costs are covered when the insured has symptoms or they are required by a hospital or medical centre. Hotel or accommodation extension is covered if ill but hospitalization is not required. Excluded: consequences of movement restrictions due to the pandemic (lockdowns, border closures, states of emergency, generalized quarantines).
Section: Preguntas frecuentes
GENERALI considera la COVID19 como cualquier otra enfermedad, por lo tanto está incluidas en las coberturas. Únicamente se excluyen las consecuencias de restricción de movimiento como resultado de la pandemia COVID (confinamientos, cierres de fronteras, estado de emergencia, cuarentenas generalizadas, etc.)
Pre-existing conditions
Optional
Pre-existing or chronic illnesses suffered by the insured before the trip start are excluded by default. However, coverage for non-terminal pre-existing conditions is available as an optional guarantee, provided the condition was declared at the time of policy contracting.
Section: ¿Qué no está asegurado?
Enfermedades, lesiones o afecciones preexistentes o crónicas, padecidas por el Asegurado con anterioridad al inicio del viaje.
Winter sports cover
Excluded
Consequences arising from the practice of winter sports are explicitly excluded from coverage.
Section: ¿Qué no está asegurado?
Las consecuencias derivadas de la práctica de deportes de invierno.
Adventure and dangerous sports cover
Excluded
Sports practiced in competition or motorized competition (race or rally), as well as dangerous or high-risk activities, are explicitly excluded from coverage.
Section: ¿Qué no está asegurado?
La práctica de deportes en competición o competición motorizada (carrera o rally), así como la práctica de actividades peligrosas o de riesgo
Pregnancy complications
Not established from the reviewed documents
Pregnancy-related expenses are not mentioned as a covered peril in the IPID summary; coverage status is not stated in the available documents.
Personal liability
—
Legal assistance
Optional
No limit stated
Optional legal assistance cover; limits as set out in the policy conditions.
Section: ¿Qué se asegura?
Asistencia Legal.
24/7 assistance service
unlimited
A central medical unit is available 24 hours a day, 365 days a year to contact insured persons and the treating medical team, supervise personnel deployed in the area and coordinate assistance. Reachable from Spain at 902 100 336 and from abroad at +34 915 149 962.
Section: ¿Cuáles son mis obligaciones?
Ocurrido un hecho que pudiera dar lugar a la prestación de alguna de las garantías cubiertas en el contrato, será requisito indispensable la comunicación inmediata del siniestro, desde España al teléfono 902.100.336, desde el extranjero al 34.91.514.99.62, u otro medio que deje constancia de la comunicación de dicho siniestro (telefax o telegrama)
Key conditions
Assistance call deadline
Immediate notification of the incident is mandatory upon occurrence of any event that may give rise to a benefit. Contact from Spain: 902.100.336; from abroad: 34.91.514.99.62; or by fax/telegram. Benefits not previously communicated or without insurer authorization are expressly excluded.
Unauthorized treatment
Any benefits or treatments not previously communicated to Generali or for which the insurer's authorization was not obtained are expressly excluded from coverage. The insured must use means available to mitigate the consequences of the incident.
Purchase while abroad
The policy must be contracted and premium paid at least one day before the trip start date. Contracting coinciding with the departure date is not permitted.
Chronic conditions
Chronic diseases or conditions suffered by the insured prior to the start of the trip are excluded from standard coverage. Optional pre-existing conditions coverage is available if declared at contracting.
Pregnancy
Pregnancy-related expenses are not listed as a covered peril in the IPID; coverage status is not stated.
Pre-existing condition exclusions
Pre-existing or chronic illnesses are excluded by default. If the insured has a non-terminal pre-existing illness before the trip, coverage continues only if the condition was declared at contracting and the optional pre-existing conditions guarantee was purchased.
Coverage duration limit
Coverage begins on the date indicated in the policy as the start of the trip away from the habitual residence and ends upon reaching the expiry date in the policy particulars. Guarantees cease when the insured returns to their habitual residence or upon repatriation to their residence or a nearby hospital.
Direct payment
Generali coordinates and covers medical assistance and transport directly; unauthorized or previously uncommunicated treatments are expressly excluded from reimbursement. Claims under €50 for medical, surgical and pharmaceutical expenses are not reimbursed.
Territorial scope
Coverage applies from 35 km from habitual residence (15 km for Balearic and Canary Islands). Countries in active war, insurrection or armed conflict are excluded even if within the contracted territorial scope. Vehicle guarantees valid only in European countries on public roads.
Exclusions
Alcohol and substance use exclusion
Illnesses or accidents derived from consumption of alcoholic beverages, narcotics, drugs or similar substances are excluded from coverage
SourcePage 1Section: ¿Qué no está asegurado?
Las enfermedades o accidentes derivados del consumo de bebidas alcohólicas, estupefacientes, drogas o medicamentos, salvo que estos últimos hayan sido prescritos por un médico.
Documents
Policy specifics
Emergency medical evacuation
Coverage for emergency transportation to nearest equipped hospital when critical illness or injury occurs during travel and no suitable local care available
SourcePage 1Section: ¿Qué se asegura?
No obstante y bajo determinadas circunstancias podrá ser autorizado el traslado a un centro mejor equipado o a España.
Medical repatriation to residence
Coverage for transport of insured to residence in Spain for medical reasons when continued treatment at destination not possible
SourcePage 1Section: ¿Qué se asegura?
No obstante y bajo determinadas circunstancias podrá ser autorizado el traslado a un centro mejor equipado o a España.
Minimum reimbursement threshold
Medical, surgical and pharmaceutical expenses below €50 are excluded from reimbursement.
SourcePage 1Section: ¿Existen restricciones en lo que respecta a la cobertura?
Queda excluido el reembolso de los gastos médicos, quirúrgicos y farmacéuticos cuyo importe sea inferior a 50€.
Minimum distance from habitual residence
The policy covers persons from 35 km from their habitual residence and 15 km for residents of the Balearic and Canary Islands.
SourcePage 1Section: ¿Existen restricciones en lo que respecta a la cobertura?
La póliza cubre a las personas y/o Vehículos Asegurados a partir de 35 km de su domicilio habitual y 15 km para Baleares y Canarias.
Immediate claim notification requirement
Mandatory immediate notification of incident from Spain (902.100.336) or abroad (34.91.514.99.62) or by fax/telegram
SourcePage 2Section: ¿Cuáles son mis obligaciones?
Ocurrido un hecho que pudiera dar lugar a la prestación de alguna de las garantías cubiertas en el contrato, será requisito indispensable la comunicación inmediata del siniestro, desde España al teléfono 902.100.336, desde el extranjero al 34.91.514.99.62, u otro medio que deje constancia de la comunicación de dicho siniestro (telefax o telegrama)
Geographic coverage scope
Coverage applies to trips outside habitual residence within specified territorial scope, modality and contracted period with limits stated in policy
SourcePage 1Section: ¿En qué consiste este tipo de seguro?
Se cubren las consecuencias de un evento fortuito dañoso para el asegurado o sus objetos personales, ocurrido en el transcurso de un viaje fuera del domicilio habitual, dentro del ámbito territorial cubierto, modalidad y período contratado y con los límites señalados en la póliza.
Policy purchase timing restriction
Policy contraction and premium payment cannot coincide with trip start date; minimum advance purchase required before travel begins
SourcePage 2Section: ¿Cuándo y cómo tengo que efectuar los pagos?
La contratación y por tanto el pago de la prima no podrá ser coincidente con el día del inicio del viaje, debiendo efectuarse como mínimo en el día anterior a la fecha pactada como inicio del desplazamiento.
No cancellation after coverage begins
Contract cannot be rescinded once coverage has commenced; only option is to request non-celebration and premium refund before trip start
SourcePage 2Section: ¿Cómo puedo rescindir el contrato?
No hay posibilidad de rescindir el contrato una vez ha comenzado la cobertura, si bien es posible solicitar la no celebración del mismo y la devolución de la prima, previamente a la fecha del inicio del viaje y por tanto del efecto de la póliza.
Sources
- generali.eshttps://www.generali.es/content/dam/generali-seguros/web/footer/documents/informacion-de-productos/accidentes/IPID_G_VRA_00035.pdf#page=1(opens in a new tab)
- generali.eshttps://www.generali.es/content/dam/generali-seguros/web/footer/documents/informacion-de-productos/accidentes/IPID_G_VRA_00035.pdf#page=2(opens in a new tab)
- generali.eshttps://www.generali.es/seguros-particulares/viajes(opens in a new tab)
Generali Travel insurance