OCASO Travel insurance (Asistencia En Viaje Internacional)

Covers unforeseen illness or accident during travel outside habitual country of residence: medical and diagnostic tests authorized by the insurer's medical team, hospitalization costs, prescribed medications during first medical assistance (not chronic/extended treatments), and local ambulance ordered by a doctor. Limit of 150,000 EUR per insured person per contracted period. Minimum reimbursable amount: 50 EUR. This is an assistance insurance, not private health insurance — only emergency medical expenses for accident or unforeseen illness during travel are covered.

Emergency medical and surgical treatment covered up to 150,000 EUR per insured abroad. Covers diagnostic tests, hospitalization, prescribed medications from first medical assistance, and local ambulance transport. Pre-existing and chronic conditions are excluded. Must notify insurer as soon as possible (maximum 7 days). Minimum reimbursable amount is 50 EUR.

Hospitalization costs are covered within the overall 150,000 EUR medical expenses limit (clause 1.1). Additionally, a daily hospitalization indemnity of 30 EUR/day is paid from day 11 onwards (maximum 10 days) when hospitalized outside the province of habitual residence (clause 1.20). For hospitalization over 5 days (or 2 days for minors) without a direct family member present, the insurer also covers transport and accommodation for a companion sent from habitual residence.

Outpatient medical consultations, diagnostic tests, and prescribed medications for unforeseen illness or accident during travel are covered within the overall 150,000 EUR medical expenses limit (clause 1.1). Only emergency medical care is covered; routine, preventive, or aesthetic treatments are excluded. Minimum reimbursable amount: 50 EUR.

Emergency dental treatment (dentist/orthodontist fees) covered up to 500 EUR, within the overall medical expenses limits. Excluded: endodontics, aesthetic reconstructions of prior treatments, prosthetics, crowns, and implants.

Emergency transfer to the nearest hospital (round trip from hotel) is included at no additional cost when organized by OCASO (clause 1.3). Sanitary transfer of sick or injured persons to the best-equipped hospital near the habitual residence is included when organized by OCASO using air ambulance (Europe and Mediterranean only), train, helicopter, ambulance, or scheduled flight (clause 1.6). If the transfer is not organized by OCASO, reimbursement is limited to 6,000 EUR. Hotel stay prolongation due to illness/accident (not requiring hospitalization): 145 EUR/day for maximum 14 days (clause 1.4).

Medical evacuation to the best-equipped hospital near habitual residence or to the habitual residence is included when organized by OCASO. Means include air ambulance (Europe and Mediterranean countries only), train, medical helicopter, ambulance, scheduled flight, or any other means deemed most appropriate by OCASO's medical team (clause 1.6). If not organized by OCASO, reimbursement is limited to 6,000 EUR. The insured must accept the evacuation decided by OCASO's doctors; refusal cancels all related coverages.

If the insured dies during travel for any reason, OCASO will transfer mortal remains or ashes to the country of habitual residence, to the burial or cremation site within the municipality of habitual residence. Included costs: transfer of remains, embalming, minimum required coffin, administrative procedures. Funeral home and burial costs are not covered. In case of cremation at the place of death: cost of cremation and urn transfer are covered. Burial costs in Spain: up to 1,200 EUR (tanatorio, burial unit, floral arrangements). If repatriation is not organized by OCASO, reimbursement limited to 6,000 EUR. A companion for the return journey of remains is also covered (clause 1.19): accommodation 200 EUR/day max 10 days.

Rescue of persons in mountains, ravines, sea, or desert is explicitly excluded under General Exclusions (point 16) and under the Accident Insurance section (point h of exclusions). This exclusion applies generally to all policy coverages.

COVID-19 is treated as any other illness under this policy. Medical and hospital assistance if the insured falls ill from COVID-19 is covered. Diagnostic PCR test is covered if the insured shows symptoms, or if required by a hospital/medical center for treatment of another illness or accident. Transfer of remains if the insured dies from COVID-19 is covered (subject to no legal or governmental impediments). Extended hotel stay if ill (but not requiring hospitalization) is covered when prescribed by a doctor. Restrictions on movement as a result of COVID pandemic (lockdowns, border closures, states of emergency, generalized quarantines) are excluded. Limits are those of the affected coverages (up to 150,000 EUR for medical expenses).

Pre-existing and chronic conditions are explicitly not covered. A pre-existing condition is defined as any illness, ailment or injury previously diagnosed or treated by a doctor, or presenting symptoms, that manifests during the trip and requires medical assistance. Chronic conditions (lasting 3 months or more) are also excluded. Events caused by pre-existing conditions known and not declared at contract formation are excluded per the IPID.

Consequences derived from the practice of winter sports are explicitly excluded under General Exclusions (point 20). Ski and ice hockey/skating are also listed among excluded amateur sports in the accident insurance exclusions.

Professional practice of any sport and amateur practice of the following are excluded: mountaineering (all types), glacier access, caving/speleology, rafting, bungee jumping, hydrospeed, canyoning, nautical/underwater sports and scuba diving, hunting, equestrian sports, aerial sports (parachuting, hang gliding, hot-air balloon, gliding), bullfighting events, boxing, weightlifting, wrestling and martial arts. Any sport or recreational activity that is clearly dangerous or high-risk is generally excluded. The insured may participate as an amateur in non-dangerous, non-professional, non-competitive recreational sports.

Pregnancy, voluntary termination, and childbirth are excluded except for urgent medical care occurring strictly before week 26 of gestation (General Exclusion point 9). Trip cancellation due to pregnancy complications or miscarriage is covered as a named cancellation cause (cause 4 of clause 2.1).

Covers economic compensation up to 30,000 EUR if the insured is responsible for causing involuntary bodily or material damage to a third party during travel. Includes compensation, court costs and legal expenses, and judicial bonds. Calculated per Spanish Civil Code (articles 1902-1910) or equivalent foreign law. Excluded: liability from driving motor vehicles, aircraft or boats; professional/union/political/associative activities; dangerous or high-risk sports; fines or sanctions; damage to objects entrusted to the insured; damage suffered by the insured, the policyholder, co-insured, or their family members/cohabitants/partners/employees.

If the insured suffers a traffic accident abroad and requires legal assistance, OCASO pays attorney and procurator fees up to 3,000 EUR (clause 5.5). An advance on bail bond required by foreign authorities due to a traffic accident is also covered up to 3,000 EUR (clause 5.4). If the insured already has this coverage in their vehicle insurance policy, the payment is considered an advance to be repaid when the vehicle insurer pays.