Generali
Generali is a travel insurance for the ES market with no online purchase and 24/7 assistance.
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.
Geographic scope
Spain, Europe or World (selectable at contracting)
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.
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.
- Comprehensive network of Generali's own medical correspondents deployed on-site, providing direct-pay care coordination without requiring the insured to pay upfront in most cases.
Coverage limits
Medical expenses
€120,001,503
Emergency Medical Treatment
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Hospitalization
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Outpatient Treatment
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Emergency dental
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Medical transport
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Medical Evacuation
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Repatriation Of Remains
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Search and rescue
Excluded
Rescue of persons in mountains, caves, at sea or in the desert is explicitly excluded from coverage.
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).
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.
Winter sports cover
Excluded
Consequences arising from the practice of winter sports are explicitly excluded from coverage.
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.
Pregnancy complications
Excluded
Expenses derived from pregnancy are not mentioned as a covered peril in the IPID and are typically excluded in standard travel assistance policies. The IPID does not list pregnancy-related coverage as an included or optional benefit.
Personal liability
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Legal assistance
Optional
Optional coverage providing financial advances and legal assistance. Includes advances of up to €7,000 for card loss or theft, up to €12,000 for criminal bail required abroad, and up to €3,000 for related legal assistance costs. Advances must be repaid to the insurer within 30 days.
24/7 assistance service
Covered
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 900 903 326 and from abroad at +34 915 149 962.
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. Standard travel assistance coverage does not include pregnancy complications.
pre_existing_conditions
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.
Documents
IPID – Generali Viaje Elección (Product: G_VRA_00035)
ipid
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
Medical repatriation to residence
Coverage for transport of insured to residence in Spain for medical reasons when continued treatment at destination not possible
Emergency dental care abroad
Dental expenses abroad covered up to specified monetary limits for emergency cases only
Companion accommodation and care costs
Accommodation costs of one companion to care for hospitalized insured person, including their own hospitalization if needed
Public transport delay reimbursement
Refund of necessary costs incurred at location when delays occur using public transport, including overbooking and strike-caused cancellations
Minimum reimbursement threshold
Medical, surgical and pharmaceutical expenses below €50 are excluded from reimbursement.
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.
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
Geographic coverage scope
Coverage applies to trips outside habitual residence within specified territorial scope, modality and contracted period with limits stated in policy
Forgotten medication assistance
If medication cannot be purchased locally, doctor visit arranged for prescription; if unavailable in destination, sent from habitual residence
Alcohol and substance use exclusion
Illnesses or accidents derived from consumption of alcoholic beverages, narcotics, drugs or similar substances are excluded from coverage
Policy purchase timing restriction
Policy contraction and premium payment cannot coincide with trip start date; minimum advance purchase required before travel begins
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