Plus Ultra Líneas Aéreas
Plus Ultra Líneas Aéreas is a travel insurance for the ES market with no online purchase and 24/7 assistance.
Direct payment
The insurer organises and covers medical transport and related assistance services directly. For medical expenses abroad (clause 1.4), the policy covers costs up to 30,000 EUR per insured; the insured must contact the 24-hour helpline (+34 91 572 44 27) before incurring expenses wherever possible to activate direct payment. Reimbursement applies where prior authorisation was not obtained.
Geographic scope
Spain (origin) — routes to/from Madrid, Tenerife, Caracas, Lima, Bogotá, Cartagena, Ezeiza
Assistance guarantees valid in Spain and worldwide; coverage begins once the outbound flight is fully completed at the destination airport and expires once check-in for the return flight is fully completed.
Unique selling points
- Comprehensive travel assistance package automatically included with every Plus Ultra round-trip air ticket purchase — no separate policy application required.
- Medical expenses abroad covered up to 30,000 EUR per insured, increased from 20,000 EUR in the prior policy version.
- Air ambulance evacuation available for medical emergencies in Europe and Mediterranean countries, with fastest available means guaranteed worldwide.
- 24/7 permanent medical and assistance helpline (+34 91 572 44 27) with telephone medical advice service available 365 days a year.
- Up to 28 specific cancellation causes covered, including job loss, unexpected surgery, natural disaster, medical quarantine, and organ transplant summons — one of the broadest cancellation guarantee catalogues available in airline-bundled travel insurance.
Coverage limits
Medical, surgical, pharmaceutical and hospitalisation expenses abroad
Covered
Covers medical and surgical fees, prescribed pharmaceutical costs, and hospitalisation expenses incurred abroad as a result of illness or accident (clause 1.4). Maximum 30,000 EUR per insured per event. Expenses incurred in the country of origin are explicitly excluded.
Emergency medical treatment abroad
Covered
Emergency medical treatment is covered as part of the aggregate 30,000 EUR medical expenses limit (clause 1.4). The insured must call the 24-hour central (+34 91 572 44 27) to activate assistance.
Hospitalisation abroad
Covered
Hospitalisation costs abroad are covered within the aggregate 30,000 EUR limit per insured (clause 1.4c). If hospitalisation lasts more than 10 days, the insurer also arranges and covers a return round-trip ticket for a family member or designated person to accompany the insured at repatriation (clause 1.3).
Outpatient medical treatment abroad
Covered
Outpatient medical and surgical fees, as well as prescribed pharmaceuticals, are covered as part of the aggregate 30,000 EUR limit for medical expenses abroad (clause 1.4a and 1.4b).
Emergency dental treatment
Covered
Emergency dental treatment is not explicitly broken out as a separate sub-limit; it may fall within the aggregate 30,000 EUR medical expenses limit (clause 1.4) if it results from an accident or acute illness. Aesthetic treatments and prostheses are explicitly excluded.
Medical transport (sanitary transfer)
Covered
The insurer organises and covers sanitary transport of the injured or ill insured to the most suitable hospital facility, including air ambulance in Europe and Mediterranean countries when urgency requires it, or scheduled airline/fastest available means elsewhere in the world (clause 1.1). No numeric limit is stated; the medical team decides transport mode. Also covers subsequent transfer home once medically possible.
Medical evacuation
Covered
Medical evacuation is covered as part of clause 1.1 (sanitary transport). The insurer arranges and covers evacuation by the most appropriate means, including air ambulance in Europe and Mediterranean regions, or commercial airline/fastest available means for the rest of the world. No explicit monetary limit is stated; the insurer's medical team makes all transport decisions.
Repatriation of mortal remains
Covered
In the event of non-intentional death of the insured, the insurer organises and covers transport of the body to the place of burial in the country of origin (clause 1.6). Post-mortem treatment and legal conditioning costs are covered up to 600 EUR. Funeral and ceremony costs are explicitly excluded.
Search and rescue
Excluded
Explicitly excluded: consequences derived from the practice of risk sports and the rescue of persons at sea, in mountains or in desert areas.
COVID-19 treatment
Excluded
The policy contains a general exclusion for contagious diseases in the context of an epidemic or pandemic declared as such by the WHO or any governmental or health authority at the place of loss. COVID-19 treatment would fall under this exclusion if declared a pandemic/epidemic. The premier.plusultra.com website mentions COVID-19 coverage but this is contradicted by the express pandemic exclusion clause in the current T&C.
Pre-existing conditions
Excluded
Explicitly excluded: relapses of chronic diseases and situations derived from conditions or illnesses pre-existing at the start of travel. The policy's bases fundamentales state that the policy contains exclusions related to pre-existing illnesses.
Winter sports cover
Excluded
Not covered. The policy explicitly excludes consequences derived from the practice of risk sports. Winter sports (e.g. skiing, snowboarding) are classified as risk sports and therefore excluded.
Adventure/risk sports cover
Excluded
Not covered. The policy explicitly excludes consequences derived from the practice of risk sports ("deportes de riesgo") and rescue of persons at sea, in mountains or desert. No adventure or extreme sports are covered.
Pregnancy complications
Excluded
Pregnancy complications (medical assistance) are excluded from the travel assistance guarantee from the third month of gestation onwards, as well as periodic obstetric check-ups. Childbirth at any stage is excluded. Under the cancellation guarantee (article 2, clause 16), pregnancy complications as a cancellation reason are covered up to the 5th month, but that is a separate cancellation benefit, not a medical expenses coverage.
Personal liability
Not offered
Personal liability coverage is not mentioned in any of the assistance or cancellation guarantees of this policy. Not found in the verified sources.
Legal assistance
Not offered
Legal assistance is not provided as a coverage in this policy's assistance guarantee. The policy provides a medical information helpline (clause 1.11) and travel information service (clause 1.10) but no legal defence or legal assistance cover. Not found in the verified sources.
24/7 assistance helpline
Covered
A permanent 24-hour assistance helpline is available at +34 91 572 44 27. Contacting this line is a mandatory condition for activating all assistance and travel guarantees. The medical line (clause 1.11) provides telephone medical advice 24 hours a day, 365 days a year.
Key conditions
Assistance call deadline
Calling the 24-hour helpline (+34 91 572 44 27) is a mandatory prerequisite for activating all assistance services covered by the travel guarantee. The insured must contact this line before incurring expenses or initiating transport arrangements wherever circumstances permit.
Unauthorized treatment
If the insured obtains medical treatment without prior authorisation from the 24-hour helpline, the insurer may limit indemnification or treat the services as unsanctioned. The insurer's medical team has sole authority to decide on transport mode and whether evacuation/transfer is medically required.
Purchase while abroad
The assistance guarantee is only valid if the travel cancellation expenses are also insured with Occident GCO, S.A. The policy is exclusively available as part of a Plus Ultra Líneas Aéreas round-trip air ticket purchase; it cannot be bought independently while already abroad.
Chronic conditions
Relapses of chronic diseases are explicitly excluded from the assistance guarantee. Situations derived from conditions or illnesses pre-existing at the start of the trip are not covered.
Pregnancy
For the medical assistance guarantee: childbirth and pregnancy complications from the third month of gestation onwards are excluded, as are periodic obstetric check-ups. For the cancellation guarantee only: pregnancy complications as a cancellation cause are covered up to the 5th month of gestation.
pre_existing_conditions
The policy contains explicit exclusions for pre-existing illnesses. Consequences of illness or accident occurring before the policy effective date, or resulting from pre-existing conditions, are not covered under either the cancellation guarantee or the assistance guarantee.
coverage_duration_limit
The policy is valid exclusively for round-trip air travel with Plus Ultra Líneas Aéreas with a duration of 40 days or less. Coverage expires on the same day as shown on the air ticket. The current version covers trips purchased between 01 January 2026 and 31 December 2026.
Where to buy
Policy specifics
Medical expenses abroad
Coverage of medical, surgical, pharmaceutical and hospitalization costs incurred abroad during travel
Medical repatriation or transport
Transportation or repatriation of injured or sick insured persons to home country or medical facility
Travel duration limit
Maximum continuous travel period covered by the policy
Baggage protection
Coverage for loss, damage or theft of baggage and personal belongings during travel
Air ticket requirement
Policy is valid exclusively for trips with round-trip air tickets
Pre-existing illness exclusion
Diseases and conditions that existed before policy inception are not covered
Emergency hotline notification requirement
Insured must contact emergency hotline to activate services
Chronic disease recurrence exclusion
Relapses of chronic diseases are not covered