MAPFRE España, Compañía de Seguros y Reaseguros, S.A.
MAPFRE
MAPFRE is a travel insurance for the Spain market with online purchase and 24/7 assistance.
Direct payment
In medical emergencies, the insured may go directly to a hospital. In non-emergencies, MAPFRE must be contacted first for prior authorization. Reimbursement of expenses incurred without prior insurer authorization is not permitted except in cases of medical emergency or as otherwise specified in the policy.
Geographic scope
ES
Cobertura mundial excepto territorio español (salvo traslado/repatriación sanitaria a partir de km 20 del domicilio habitual), países no recomendados por el Ministerio de Asuntos Exteriores de España, países bajo embargo del Consejo de Seguridad de la ONU, y países en conflicto o intervención internacional.
Starting price
€4
Indicative — pricing assumptions not stated
Unique selling points
- Medical assistance coverage of up to 500,000 EUR, well above the typical market minimum, configurable by territorial scope at the time of purchase.
- Access to MAPFRE's global network of over 31,500 international service points, including own medical centres, rescue helicopters and ambulances worldwide.
- No deductible (franquicia) applies to the travel insurance, meaning the insured does not pay any excess on covered claims.
- Automatic extension of travel assistance coverage beyond the 90-day trip limit when a covered claim forces the insured to prolong their stay abroad.
- Comprehensive repatriation service covering the insured, up to six travelling companions, and unaccompanied minors or disabled travellers, including dedicated escort arrangements.
Coverage limits
Emergency medical assistance (illness or accident)
€75,000 – €500,000
Only in 11.2 Asistencia en Viaje - Prestación 1, Artículo 4 - Coberturas de Asistencia en Viaje
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. The base coverage documented in the health policy annex is 15,000 EUR per claim.
Emergency medical treatment
€75,000 – €500,000
Only in 11.2 Asistencia en Viaje - Prestación 1
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 expenses
€75,000 – €500,000
Only in 11.2 Asistencia en Viaje - Prestación 1
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 treatment
Covered
Only in 11.2 Asistencia en Viaje - Prestación 1
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.
Emergency dental treatment
€120
Only in 11.2 Asistencia en Viaje - Prestación 1
Emergency dental services are covered up to 120 EUR per claim, within the overall emergency medical assistance benefit.
Medical transport and repatriation
unlimited
Only in 11.2 Asistencia en Viaje - Prestación 6
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
unlimited
Only in 11.2 Asistencia en Viaje - Prestación 6
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.
Repatriation of mortal remains
unlimited
Only in 11.2 Asistencia en Viaje - Prestación 9, 11.2 Asistencia en Viaje - Prestación 10
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.
Search and rescue
Excluded
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.
COVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned in the verified policy documents. Coverage would depend on whether it qualifies as an acute illness requiring urgent medical care under the general medical assistance guarantee. Pre-existing or chronic disease exclusions may apply.
Pre-existing conditions
Conditional
Only in 11.2 Asistencia en Viaje - Prestación 1 - Enfermedades preexistentes
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 coverage
Excluded
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 sports coverage
Excluded
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.
Pregnancy complications
Conditional
Only in 11.2 Asistencia en Viaje - Prestación 1 - Neonatos, 11.2 Asistencia en Viaje - Prestación 6
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
Optional
Only in Coberturas opcionales - Responsabilidad Civil
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
Covered
Only in Artículo 9 - Cobertura de asistencia jurídica fuera del país de residencia habitual, Artículo 10 - Cobertura de defensa jurídica en contratos celebrados en España
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.
24/7 travel assistance
unlimited
Only in Actuación en caso de siniestro
The insured may contact MAPFRE ESPAÑA at any time by phone or digital channels to access all travel assistance services. MAPFRE operates a global network of over 31,500 international service points including hospitals, medical centres, rescue helicopters and ambulances.
Key conditions
Assistance call deadline
In non-emergency cases, the insured must contact MAPFRE ESPAÑA before incurring any expenses. In medical emergencies, the insured may go directly to a hospital without prior authorization. Expenses incurred without prior insurer authorization are not reimbursable except in medical emergencies.
Unauthorized treatment
Expenses incurred directly by the insured or beneficiaries without prior insurer authorization are not reimbursable, unless expressly provided for in the policy or in cases of medical emergency. If costs exceed the covered limits, the insured must pay the difference directly.
Purchase while abroad
The policy must be contracted before travel begins to ensure full coverage. The coverage applies to trips with a maximum duration of 90 consecutive days from departure. Trips planned to last more than 90 days are not covered, including the first 90 days of such trips.
Chronic conditions
In the event of a vital emergency derived from a pre-existing or chronic illness, only the costs of first-aid treatment until medical stabilization are covered. Planned or routine treatment of chronic conditions is not covered.
Pregnancy
Medical assistance for newborns (up to 28 days old) not listed in the policy is only covered for births occurring during travel due to unforeseeable pregnancy complications, up to 30% of the insured mother's capital. Planned deliveries abroad are not covered.
Pre-existing condition exclusions
Pre-existing conditions are defined as any illness or injury whose symptoms began before the policy was taken out and that are known to the insured or their family. Coverage is limited to first-aid treatment until stabilization in the event of a vital emergency. No coverage is provided for non-emergency pre-existing conditions.
Coverage duration limit
Coverage applies to trips of a maximum of 90 consecutive days. Trips intended to last more than 90 days are entirely excluded from coverage, including their first 90 days. If a covered claim forces the insured to extend their stay beyond 90 days, coverage is automatically extended for that insured during the prolonged stay.
Where to buy
Policy specifics
Flight cancellation
Reimbursement of cancelled flight costs and travel-related expenses when cancellation occurs due to covered reasons before trip start
SourceMedical repatriation
Coverage for medical transport and repatriation when disease or accident requires return to habitual residence or transfer to suitable medical facility
SourceAccompanist travel and accommodation
Coverage for travel and accommodation expenses of a companion when the insured requires hospitalization abroad or upon insured death
SourceTerritorial scope
Medical assistance coverage applies to geographic zones where the insured trip takes place, with different limits for Spain vs. abroad and Europe vs. rest of world
SourceMinimum days before trip start
Polic must be contracted when first travel reservation is made to ensure full coverage of pre-travel incidents; contracts signed day before departure have limited scope
SourceHabitual residence requirement
Coverage applies to insured persons whose habitual residence is located in Spanish territory; travel assistance covers displacements outside habitual residence
Source