Occident
Occident is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
Medical, surgical, pharmaceutical and hospitalisation costs abroad are covered up to the policy limits. In serious cases, Occident coordinates the medical transport and assumes costs directly; insured does not need to pay upfront for covered assistance services arranged through the insurer.
Geographic scope
ES
Europa o resto del mundo a elección del asegurado; también disponible opción multiviaje para desplazamientos anuales de hasta 90 días por viaje.
Unique selling points
- COVID-19 is treated as any other disease, with full coverage for medical assistance, hospitalisation, diagnostic tests, transfers, early return, and trip cancellation/interruption.
- Medical expenses coverage reaches up to €1,000,000 for the Students variant, one of the highest limits in the Spanish market for student and long-stay travel.
- 24/7 travel assistance is provided in partnership with Europ Assistance, covering medical and legal support from anywhere in the world at any hour.
- Medical repatriation uses a medicalised aircraft within Europe and Mediterranean countries, with decisions based on medical necessity rather than cost.
- Highly flexible product tailored to leisure, work, studies, cruise, and risk sports travel, available for single trips of up to 12 months or as an annual multi-trip policy covering all trips up to 90 days each.
Coverage limits
Medical expenses abroad
Covered
Coverage for medical, surgical, pharmaceutical and hospitalisation expenses incurred abroad. The Plus leisure/professional variant covers up to €150,000; the Premium leisure/professional variant covers up to €300,000; the Students variant covers up to €1,000,000.
Emergency medical treatment
Covered
Coverage for emergency medical treatment arising from illness or accident during the trip, including medical, surgical and pharmaceutical expenses up to policy limits.
Hospitalisation
Covered
Hospitalisation costs abroad are included within the medical expenses coverage. Additionally, a round-trip ticket for a relative is covered when the insured is hospitalised for more than 5 days, as well as hotel stay extension after hospitalisation under medical prescription.
Outpatient treatment
Covered
Outpatient medical and pharmaceutical expenses abroad are included within the general medical expenses coverage, subject to policy limits.
Emergency dental
Not offered
Emergency dental coverage is not explicitly listed as a standalone benefit on the international travel insurance product page; it may be included under general medical expenses for acute emergencies. Specific dental coverage details are not confirmed for this product.
Medical transport
Covered
Medical transport of injured or ill persons is covered, including ambulance to the hospital, medical evaluation and transfer to residence. In serious cases, a dedicated medical aircraft is used within Europe and Mediterranean countries; regular flights or the fastest available transport for the rest of the world.
Medical evacuation
Covered
Medical evacuation is covered via medicalised air transport within Europe and Mediterranean countries, and via scheduled airline or fastest available means for the rest of the world, based on medical necessity.
Repatriation of remains
Covered
Repatriation or transport of deceased insured persons is included. Repatriation of remaining insured persons to their place of origin is also covered.
Search and rescue
Not offered
Search and rescue as a standalone coverage is not explicitly mentioned in the Occident international travel insurance product page. Luggage search and transport is covered, but dedicated search and rescue for persons is not confirmed.
COVID-19 treatment
Covered
COVID-19 is treated as any other disease. Coverage includes medical and hospital assistance, diagnostic tests, transfers, early return, and trip cancellation/interruption due to COVID-19.
Pre-existing conditions
Optional
An optional 'extra protection' benefit is available for insured persons who have a pre-existing illness or injury before the trip, provided a medical certificate confirms ability to travel. This add-on provides coverage for pre-existing conditions during travel.
Winter sports cover
Optional
The Occident international travel insurance can be adapted to cover risk sports activities including winter sports. This is available as an optional variant/add-on when the trip purpose is risk sports.
Adventure sports cover
Optional
Coverage for risk and adventure sports activities is available as an optional variant. The product can be adjusted to the travel purpose including risk sports.
Pregnancy complications
Conditional
Pregnancy complications are covered for trip cancellation purposes if the insured, their spouse, or registered partner suffers complications during pregnancy (including premature birth or miscarriage), provided the pregnancy is considered high-risk and the treating physician prescribes rest. Also covered if there are complications requiring hospitalization.
Personal liability
Optional
Personal liability coverage is mentioned as an available option in Occident's travel insurance plans (ranging from basic to more comprehensive options). Specific capital limits for personal liability in the international travel product are not published on the product page.
Legal assistance
Covered
An advance of criminal bail bond and/or legal defence expenses abroad is included in the international travel product. Telephone legal advice is also available.
24/7 assistance
Covered
24/7 travel assistance is included, provided through Europ Assistance. Telephone medical advice and legal advice helpline are available at any time, anywhere.
Key conditions
Assistance call deadline
In the event of illness or accident during travel, the insured must contact the assistance center as soon as possible. In cases of force majeure that prevent communication, this must be done as soon as the cause has ceased.
Unauthorized treatment
Medical expenses for treatments not arranged or authorized in advance by the assistance center may not be covered or may be subject to reduced reimbursement. The insured should contact Occident/Europ Assistance before seeking treatment where possible.
Purchase while abroad
The policy should generally be purchased before departure. Contact Occident advisors for specific conditions if the trip has already started.
Chronic conditions
Chronic and pre-existing diseases are generally not covered unless the optional extra protection add-on has been contracted and a medical certificate confirming fitness to travel has been provided.
Pregnancy
Pregnancy complications (including premature birth and miscarriage) are covered for trip cancellation purposes when the pregnancy is considered high-risk and the treating physician prescribes rest, or when the insured's spouse/partner has such complications. Normal pregnancy is not a covered cause.
pre_existing_conditions
Pre-existing conditions are covered only if the optional extra protection benefit has been contracted before the trip and a medical certificate confirms the insured's ability to travel. Without this add-on, pre-existing conditions are excluded.
coverage_duration_limit
Single trip coverage is available for trips up to 12 months. The multi-trip (annual) option covers all trips made within 12 months, provided each individual trip does not exceed 90 days in duration.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for medical, surgical, pharmaceutical and hospitalisation expenses incurred abroad during travel. Capital limits vary by product variant: up to €150,000 for the Plus leisure/professional variant, up to €300,000 for the Premium leisure/professional variant, and up to €1,000,000 for the Students variant.
Trip cancellation
Reimbursement of trip costs due to unforeseen circumstances preventing travel. Covered events include illness, death of relatives, job loss (dismissal or new employment), vehicle breakdown, administrative/judicial matters, pregnancy complications (high-risk), premature birth, miscarriage, organ transplant call-up, and illness of a child/sibling under 2 years of age covered by the policy.
Medical repatriation
Medical transport of injured or ill persons to hospital or home, including ambulance to the hospital center, medical evaluation and transfer to residence. In serious cases, a dedicated medicalised aircraft is used within Europe and Mediterranean countries; scheduled airline or fastest available means for the rest of the world.
Luggage and personal effects coverage
Protection for checked luggage (suitcases, trunks, etc.) and personal belongings handed over to a transport company under receipt, as well as luggage carried by the traveller.
COVID-19 coverage
Travel insurance covers COVID-19 as any other disease, including medical and hospital assistance, diagnostic tests, transfers, early return, and trip cancellation/interruption.
Pre-existing conditions declaration
The optional extra protection benefit is available when a health condition or injury exists before the trip and a medical certificate confirms the insured's ability to travel.
Geographic coverage scope
The insured can choose between Europe or rest of world coverage scope. The multi-trip annual option covers all trips within 12 months provided each trip does not exceed 90 days.
Trip type flexibility
Coverage is available and adjustable for leisure (including cruises), work, studies, and risk sports activities. Specific variants include Leisure/Professional (Plus and Premium), Students, and Corporate travel.