Intermundial Travel insurance (Totaltravel)

Covers emergency medical team fees, specialist fees, supplementary medical examinations, hospitalisations, surgical interventions, and pharmaceutical costs during hospitalisation. Limits vary by tier and territorial scope: Totaltravel Mini: España 2,500€ / Europa 100,000€ / Mundo 250,000€; Totaltravel Annual (standard tier): España 7,500€ / Europa-Mundo 2,500,000€; Totaltravel (temporal standard): 5,000,000€; Totaltravel Premium: 10,000,000€. In case of an unforeseeable vital emergency arising from a pre-existing chronic or congenital condition, only costs of an initial urgent care intervention within the first 24 hours of hospital admission are covered. Dental costs are limited to 120€ unless otherwise indicated in the particular conditions.

Emergency care by medical teams and specialists is expressly included within the medical and healthcare assistance guarantee. Limits are the same as for medical_expenses and vary by tier: Mini (España 2,500€ / Europa 100,000€ / Mundo 250,000€), standard temporal (5,000,000€), Annual standard (2,500,000€), Premium (10,000,000€). Insurer obligations end when the insured returns home or is admitted to a prescribed health centre corresponding to their habitual residence.

Hospitalisation, treatments and surgical interventions are expressly included within the medical and healthcare assistance guarantee. Limits follow those of medical_expenses by tier and territorial scope. Hospitalisation is defined as admission to a ward with at least one overnight stay; stays solely in accident and emergency areas are not included. The insurer may extend policy coverage if the insured cannot return on the scheduled date due to an unforeseen accident or illness occurring during the trip.

Supplementary medical examinations and pharmaceutical costs for injuries or illnesses not requiring hospitalisation are expressly covered within the medical and healthcare assistance guarantee. The same overall limits by tier apply. Pharmaceutical expenses must be prescribed by a physician; the insurer does not cover any medical or pharmaceutical expense below 9€.

Covers urgent dental problems caused by infection, pain or trauma requiring emergency treatment. The default limit is 120€ unless a different limit is indicated in the particular conditions of the policy. Available in all tiers.

Covers transfer costs to the nearest clinic or hospital, coordination by the insurer's medical team, and transport of the injured or ill person by the most appropriate means to the prescribed hospital or the insured's habitual residence. The means of transport is decided by the insurer's medical team based on urgency and severity. If the insured refuses transfer on the insurer's terms, all guarantees are automatically suspended. The insurer is subrogated in the rights of the insured for unused return tickets. Unlimited across all tiers.

Medical evacuation is included within the repatriation or medical transport guarantee. It includes transfer to a more appropriate hospital and, where medically required, to the insured's home country. The insurer's medical team determines the mode of transport (including air ambulance if medically justified). Unlimited across all tiers. Note: use of a medical aircraft is specifically stated to be restricted to European countries and Mediterranean rim countries in the Totaltravel Annual Mini IPID.

In the event of the insured's death, the insurer organises and covers all costs of transferring the body to the place of burial at the insured's country of habitual residence, including post-mortem preparation in accordance with legal requirements. Funeral and burial ceremony costs are not included. The insurer also covers the return of insured family members accompanying the remains. Unlimited across all tiers.

Covers amounts claimed for search operations conducted by community or public/private relief organisations in the event of accident, loss or disappearance of the insured within a ski resort or designated alternative tourism/sports activity area. The first 120€ is borne by the insured. Limit: 15,000€.

If the insured presents symptoms compatible with COVID-19 during travel and a doctor prescribes a PCR test, the insurer reimburses the cost up to 200€, subject to presentation of the test purchase invoice and hospital invoice. Home rapid tests and self-testing are excluded. Additional coverage of up to 1,200-1,500€ is provided for extended stay due to COVID-19 medical quarantine in destination accommodation. Available in standard and Annual tiers. Also available in Premium per IPID.

Pre-existing or chronic conditions (any pathology whose symptoms began before the policy was contracted, even without a definitive diagnosis) are generally excluded. Exception: in the event of a life-threatening vital emergency arising from an unforeseeable complication of a chronic, pre-existing or congenital condition, the insurer covers only the costs of an initial urgent care intervention within the first 24 hours following admission to hospital. For the travel cancellation guarantee, chronic/pre-existing conditions that have suffered exacerbations within the 30 days prior to policy contracting are excluded. In Annual Multi-Trip policies, any condition suffered prior to the trip start date is excluded.

Winter sports including skiing, snowboarding, freestyle skiing, ski mountaineering, snowshoes, skijoring, ice skating, crampons on ice and related activities are covered only if the 'Trip with sports activity' extension ('Viaje con actividad deportiva') is contracted and expressly stated in the particular conditions. Without this extension, any sports activity is excluded from the assistance coverage. The extension also activates search and rescue coverage (up to 15,000€, with 120€ excess). Standard Totaltravel base policy does not include winter sports by default.

A broad range of alternative tourism activities are covered as standard without additional premium: running, hot-air ballooning, kayaking, trekking, hiking, snorkelling, surfing, sailing, safari, horseback/camel riding, Segway, helicopter tours, bamboo rafting, elephant rides, land yachting, cycling, zip-lining, assault courses, banana boating, octopush, ringos, sand skiing, wakeboarding, tree canopy walks, swimming with dolphins, wind tunnel flying, zorbing, hydro zorbing, and similar activities, as long as they are not the main purpose of the trip. Activities above 5,000 metres altitude, all aerial sports (except those listed), and underwater activities at depths greater than 30 metres are expressly excluded. Coverage is extended to 5,300 metres for organised recreational tourist excursions meeting specific conditions in the Totaltravel (ESC50-S26) product. Higher-risk sports (professional competitions, motorsports, parachuting, mountaineering, boxing, etc.) require the paid sports extension.

Unforeseeable complications during the first 24 weeks of gestation are covered under the medical assistance guarantee. Pregnancies and births are otherwise excluded. For the travel cancellation guarantee, serious complications or involuntary miscarriage requiring rest or hospitalisation are covered if they arise after the insurance was contracted; complications from the 7th month of gestation (28 weeks) and planned deliveries are excluded. Premature birth before 29 weeks is a covered cancellation cause.

Covers monetary compensation the insured may be required to pay for involuntary bodily injury or material damage caused to third parties, their animals or possessions during the trip, in accordance with Articles 1,902–1,910 of the Spanish Civil Code. Limits vary by tier: Totaltravel Annual Mini: 50,000€; Totaltravel Annual (standard) and Totaltravel (temporal standard): 80,000€; Totaltravel Premium: 100,000€. Limit includes court costs and judicial bonds. Excludes: motor vehicle, aircraft or vessel use; firearms use; professional, union, political or associative activities; fines; professional sports and listed amateur sports (mountaineering, boxing, parachuting, polo, rugby, archery, yachting, martial arts, motor sports).

Available in Totaltravel (temporal ESC50-S26) and Totaltravel Annual standard/Premium tiers. Includes: advance of criminal bail required abroad (up to 2,000€ for traffic accidents), payment of legal assistance costs incurred abroad (up to 2,000€), claims for breach of purchase contracts abroad (up to 2,000€), personalised legal advice by phone during the trip, drafting of extrajudicial letters and contracts (up to 2,000€), legal advice in proceedings for home occupancy during the trip, and will/testamentary advisory. Amounts advanced must be returned within 30 days. Not present in Totaltravel Annual Mini tier.