GesViajes
GesViajes is a travel insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
The insurer organises and covers assistance services directly through its 24h assistance centre (900 101 399 from Spain; +34 91 393 90 30 from abroad); reimbursement applies in force majeure cases where prior authorisation was not possible.
Geographic scope
Spain (insurer domicile); coverage applies internationally
Coverage applies outside the insured's habitual residence in Spain; worldwide scope confirmed by marketing materials; specific distance minimums not confirmed in GesViajes-specific documents
Unique selling points
- Comprehensive medical and logistical travel protection including medical transport, companion travel during hospitalisation, and medication delivery abroad — all coordinated directly by the insurer.
- 24/7 international assistance helpline available free of charge from Spain (900 101 399) and reverse-charge from anywhere in the world (+34 91 393 90 30).
- Trip cancellation coverage for a broad set of personal causes including electoral board duty, academic requirements and serious home damage — not limited to illness alone.
- Cash advance service abroad in the event of theft of means of payment, helping travellers avoid being left without funds in an emergency.
- Backed by Ges Seguros, a Spanish insurer founded in 1928 with over 95 years of experience and a nationwide network of dedicated agents providing personalised support.
Coverage limits
Medical, surgical, pharmaceutical and hospitalisation expenses
Covered
Covers medical, surgical, pharmaceutical and hospitalisation expenses incurred abroad as a result of illness or accident during the trip. No specific monetary limit found in GesViajes product sources.
Emergency medical treatment abroad
Covered
Emergency medical treatment is included as part of the medical expenses coverage for illness or accident occurring during the trip outside Spain. Specific monetary limit not published in available GesViajes sources.
Hospitalisation expenses
Covered
Hospitalisation expenses abroad are included within the medical expenses coverage of GesViajes. No separate monetary cap found in available product sources.
Outpatient medical treatment
Covered
Outpatient medical and physician fees are included within the medical expenses guarantee in GesViajes. No separate sub-limit stated in available sources.
Emergency dental treatment abroad
Covered
Emergency dental treatment abroad is referenced as a coverage benefit in GesViajes marketing materials. No monetary limit confirmed in available GesViajes-specific sources.
Medical transport and repatriation of injured and ill persons
Covered
GesViajes covers transport or repatriation of injured or ill insured persons to Spain by the most appropriate means including air ambulance where medically required. Decision on transport mode rests with the insurer's medical team.
Medical evacuation
Covered
Medical evacuation to the nearest appropriate hospital is included within the medical transport coverage of GesViajes. No separate monetary limit found in available product sources.
Repatriation of mortal remains
Covered
GesViajes covers transport and repatriation of the insured's mortal remains to the place of burial in Spain, including post-mortem treatment and legal conditioning costs. No specific monetary limit confirmed for this product in available sources.
Search and rescue
Excluded
Search and rescue of persons in mountains, at sea or in desert is explicitly excluded in GesViajes-related policy exclusions. The brochure does not include this as a covered benefit.
COVID-19 treatment
Not offered
COVID-19 would be covered as an acute, unforeseeable illness if it arises during the trip, subject to the standard conditions of the medical expenses guarantee. No explicit COVID-19 clause found in available GesViajes product documents.
Pre-existing conditions
Excluded
Relapses of chronic illnesses and situations derived from pre-existing conditions or conditions prior to the start of the trip are explicitly excluded in the GesViajes-related exclusions confirmed in the brochure and product page.
Winter sports cover
Not offered
Winter sports are not mentioned as a covered benefit in GesViajes marketing materials or the brochure. Consequences of practising risk sports are excluded.
Adventure sports cover
Excluded
Consequences deriving from the practice of risk sports and rescue of persons in mountains, sea or desert are explicitly excluded in the GesViajes-related policy exclusions.
Pregnancy complications
Conditional
Births and pregnancy complications from the sixth month onwards, as well as periodic obstetric check-ups, are excluded. Unforeseeable complications in the first six months may be covered. Specific monetary limit not confirmed in GesViajes sources.
Personal liability
Not offered
Personal liability is not confirmed as a coverage in the GesViajes product sources reviewed (website and brochure). No mention found.
Legal assistance
Not offered
Legal assistance is not mentioned as a benefit in the GesViajes product pages or brochure reviewed.
24/7 international assistance helpline
Covered
GesViajes provides 24/7 international assistance through Asitur: 900 101 399 (free from Spain) and +34 91 393 90 30 (reverse charge from abroad). The insured must contact this centre before seeking assistance for coverage to apply.
Key conditions
Assistance call deadline
The insured must contact the 24h assistance centre (900 101 399 from Spain; +34 91 393 90 30 from abroad) immediately upon the occurrence of any covered event. Benefits not requested through the assistance centre are excluded, except in duly evidenced force majeure cases.
Unauthorized treatment
Medical and other assistance services not authorised in advance by the insurer will not be reimbursed unless the insured can demonstrate force majeure. In such cases, reimbursement is subject to presentation of original supporting documents within the applicable contractual limits.
Purchase while abroad
GesViajes must be contracted before the start of the trip. Cancellation coverages are only effective if the policy is purchased prior to the occurrence of the cause that prevents travel. Specific rules for purchase while abroad are not confirmed in available GesViajes sources.
Chronic conditions
Relapses of chronic illnesses are explicitly excluded. Treatments for conditions that are chronic or pre-existing prior to the start of the trip are not covered.
Pregnancy
Births and pregnancy complications from the sixth month of pregnancy onwards are excluded, as are periodic obstetric check-ups. Unforeseeable complications in the first six months may be eligible for coverage.
pre_existing_conditions
Conditions or relapses deriving from illnesses or pre-existing conditions prior to the start of the trip are excluded. Only acute, unforeseeable illnesses or accidents arising during the trip are covered.
coverage_duration_limit
The maximum duration of stay outside the habitual residence for coverage to be valid is not explicitly stated in the GesViajes product page or brochure. Per-trip duration limits are to be confirmed in the policy particulars.
Where to buy
Policy specifics
Medical repatriation
Coverage for transport and repatriation of injured and ill insured persons to Spain
Companion travel during hospitalization
Coverage for travel expenses of an accompanying person when insured is hospitalized
Medication delivery abroad
Coverage for sending medications when insured cannot obtain them abroad
Trip cancellation coverage
Coverage for cancellation expenses due to family hospitalization, electoral duty, or home damage
Baggage loss and delay coverage
Coverage for lost, damaged or delayed baggage and personal effects
Domestic territory exclusion
Medical events occurring within Spain territory are not covered
Immediate notification of insurer
Insured must contact insurer before seeking medical treatment except in emergency cases
Maximum consecutive trip duration
Coverage valid for trips not exceeding 90 consecutive days
Minimum distance from home residence
Coverage applies only for medical events occurring more than 30-35 km from insured's habitual residence
Pre-existing conditions exclusion
Relapses of chronic illnesses and situations derived from pre-existing conditions prior to the start of the trip are explicitly excluded under GesViajes.
Cancellation coverage requires prior purchase
Trip cancellation coverages are only effective if the policy is contracted before the occurrence of the cause that prevents travel. The GesViajes product page explicitly states this condition.