MAPFRE Travel insurance (Segurviaje Temporal)

Covers hospitalization, surgery, medical fees, nursing care and prescribed medications for the insured displaced outside Spain until stabilization allowing travel continuation or transfer home, up to the limit set in the policy. Medical assistance limit ranges from 75,000 EUR to 500,000 EUR depending on territorial scope selected at purchase.

Covers urgent medical care by illness or accident while the insured is travelling outside Spain, including surgical interventions, medical fees, nursing and prescribed pharmaceuticals. The insurer's medical team supervises care by phone. Coverage limit ranges from 75,000 to 500,000 EUR depending on territorial scope.

Hospitalization costs abroad are covered as part of the emergency medical assistance benefit, including hospital stay, surgical procedures, medical fees and nursing care, up to the overall medical assistance limit.

Outpatient medical care costs (medical fees, prescribed medications) are covered as part of the overall emergency medical assistance benefit when required urgently during travel outside Spain.

The policy documents reviewed for the Segurviaje Temporal product do not establish a specific limit for emergency dental treatment.

The insurer covers medical transport or repatriation of the displaced insured to a suitably equipped medical centre or their habitual residence, when deemed necessary by the insurer's medical team. Air ambulance is available within Europe and Mediterranean rim countries. Air ambulance is explicitly excluded for routes outside the Europe/Mediterranean territorial scope.

Medical evacuation is included as part of the medical transport and repatriation benefit. The insurer's medical team decides the destination centre and means of transport. Air ambulance is restricted to the Europe and Mediterranean rim scope; evacuations outside this area may not use air ambulance.

In the event of the insured's death outside Spain, the insurer handles formalities and covers essential transport costs to the place of burial, cremation or funeral ceremony at the insured's habitual residence. Burial, cremation or funeral ceremony costs themselves are excluded. The insurer also covers repatriation of up to six accompanying insured persons.

Rescue costs (e.g. mountain rescue) and costs arising from conditions or injuries that can be treated on-site and do not prevent continuation of the journey are expressly excluded from the travel assistance coverage.

The reviewed policy documents do not contain a specific clause addressing COVID-19 treatment.

In the event of a vital emergency derived from a pre-existing or chronic illness, the insurer covers only the costs of first-aid treatment until stabilization. Routine or planned treatment of pre-existing conditions is not covered. Pre-existing conditions are defined as any illness or injury whose symptoms began before the policy was taken out and that is known to the insured or their family.

Winter sports (skiing, snowboarding) are not included in the standard Segurviaje Temporal product. MAPFRE offers a dedicated 'Segurviaje Esquí y Snow' product for this purpose.

Adventure and risk sports are not included in the standard Segurviaje Temporal product. MAPFRE offers a dedicated 'Segurviaje Aventura' product covering activities such as diving, mountaineering and hiking.

Medical assistance for newborns (neonates, up to 28 days old) not named in the policy as insured persons is only covered in the case of births occurring during travel due to unforeseeable pregnancy complications, up to a combined limit of 30% of the insured mother's capital sum. Repatriation/transfer of the neonate is also covered in such cases.

Personal civil liability coverage is available as an optional add-on to the Segurviaje Temporal product. It covers third-party bodily injury and property damage claims caused by the insured during travel.

Legal assistance (defensa jurídica) is included in the Segurviaje Temporal product, covering legal defence outside the habitual country of residence and legal defence in contracts concluded in Spain. Exact limits are defined in the policy's particular conditions.