RACC
RACC is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
RACC coordinates and directly pays authorized medical expenses abroad. For non-authorized or reimbursement claims, the member must submit documentation to raccreemborsaments@raccasist.com. RACC does not cover any service or benefit not previously requested through its 24-hour Central de Alarmas (tel. 900 242 242 / +34 93 495 51 51).
Geographic scope
Spain (residence requirement) — coverage active abroad
Travel Complet Europa Puntual: Europe and Mediterranean rim countries only; Travel Plus Puntual and Travel Premium: worldwide. Minimum 25 km from member's home address (10 km on islands). War/conflict zones and countries with Spanish Ministry of Foreign Affairs travel warnings excluded (14-day extension if warning issued while already at destination).
Unique selling points
- Medical expense coverage reaches up to 1,000,000€ per person per claim in the Travel Premium tier — well above the 30,000€ Schengen minimum and competitive with top-tier European travel insurers.
- RACC coordinates medical transport and repatriation (including medically equipped aircraft when needed) as a direct-payment service with no stated euro cap — the member never pays upfront for authorized evacuations.
- 24/7 multilingual assistance accessible via phone, WhatsApp (+34 638 220 311) and dedicated mobile app, with an on-call physician and on-call psychologist (Mon–Sun 9–21h) available for consultations.
- Travel Premium tier includes complimentary access to VIP airport lounges worldwide through the Priority Pass network (1 entry per year per titular).
- No age limit stated for coverage — all persons are covered regardless of age, unlike many travel insurers that exclude senior travellers or apply higher premiums.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
Covered
Covers hospitalization costs, medical and surgical fees, and cost of prescribed medications and vaccines abroad, per person per claim. Limits vary by tier: Travel Complet Europa Puntual: 50,000€; Travel Plus Puntual: 500,000€; Travel Premium: 1,000,000€. Coverage applies only to expenses incurred abroad (not in Spain).
Emergency medical treatment during travel within Spain
Covered
Covers the first emergency medical assistance required as a result of an accident or sudden serious illness occurring during travel within Spanish territory, up to 1,200€ per person per claim. This guarantee is subsidiary to coverage provided by the Spanish Social Security system or other mandatory insurers. All three tiers provide this same limit.
Hospitalization expenses abroad
Covered
Hospital admission costs abroad are covered as a sub-component of the overall medical expenses limit. No separate sublimit is stated; the applicable cap is the overall medical expenses limit for the tier selected (50,000€ / 500,000€ / 1,000,000€). Convalescence accommodation in up to 3-star hotel for maximum 7 nights is also covered when medically prescribed.
Outpatient medical and surgical treatment abroad
Covered
Outpatient medical and surgical fees are covered as part of the overall medical expenses limit abroad (no separate sublimit stated). All prescribed medications and vaccines are included. All three tiers cover outpatient treatment within their respective overall limits.
Emergency dental treatment abroad
Conditional
Routine dental treatment and aesthetic dental procedures are explicitly excluded. Dental emergencies are covered only when they constitute a medical emergency previously approved by RACC. No specific dental sublimit is stated; any covered dental emergency would fall under the overall medical expenses limit.
Medical transport and repatriation of the insured
Covered
RACC covers transport costs to the nearest clinic or hospital abroad, inter-hospital transfers as determined by its medical team, and transport or repatriation home when the injured or ill member is discharged. The mode of transport is decided by RACC's medical team based on urgency and severity. No euro cap is stated for this service; it is included as a coordinated service. Transport of companion family members is also covered when applicable.
Medical evacuation
Covered
Medical evacuation is included as part of the medical transport and repatriation benefit. RACC's medical team coordinates the most appropriate means of evacuation (including medically equipped aircraft when necessary) based on the urgency and severity of the case. No separate euro cap is stated. RACC must authorize all evacuations in advance through its 24-hour assistance center.
Repatriation of mortal remains
Covered
If a member or covered family member dies during a trip, RACC handles all formalities at the place of death and arranges transport or repatriation of the body to the place of burial, provided it is within the province of residence. A round-trip ticket for a family member residing in Spain is also provided if the deceased was travelling alone, along with accommodation in up to 3-star hotel for maximum 5 nights. No euro cap is stated; provided as coordinated service. Funeral, coffin and ceremony costs are explicitly excluded.
Search and rescue
Excluded
Maritime rescue costs when the member is travelling on a vessel are explicitly excluded in all three tiers. Mountain or on-piste rescue is also excluded in all tiers for winter sports activities. Transport of the injured person to the nearest hospital (from the point of a traffic accident) is covered, but organized rescue operations (intervention within and outside ski runs) are explicitly excluded.
COVID-19 treatment
Covered
COVID-19 is not explicitly mentioned in any of the three verified policy documents. However, the policies cover sudden illness (enfermedad súbita) occurring abroad without specific disease exclusions for COVID-19, suggesting COVID-19 would be treated as any other sudden illness. Pandemic-related force majeure events are excluded under the general limitations clause.
Pre-existing medical conditions
Excluded
Illnesses or injuries arising from chronic conditions or conditions pre-existing at the time of trip departure, as well as their complications or relapses, are explicitly excluded in all three tiers under the General Exclusions clause. Any type of chronic or pre-existing psychiatric illness is also excluded. Coverage applies only to sudden illnesses (enfermedades súbitas) and accidents occurring during the trip.
Winter sports coverage
Excluded
Accidents and injuries arising from alpine skiing, cross-country skiing, artistic skiing, ski jumping, snowboarding, ice skating and all winter sports in general are explicitly excluded in all three tiers. Rescue operations (intervention within and outside ski runs) are also excluded. Exception: transport of the injured person to the nearest hospital is covered even without a winter sports package. A separate RACC Sport or RACC Sport Plus product is available for winter sports coverage.
Adventure sports and high-risk activities coverage
Excluded
Adventure sports and tourist activities such as rafting, white-water canoeing, kayak, nautical skiing, windsurfing, trekking, risk cycling, 4x4, moto raid, quads, bungee jumping, canyoning, paragliding, heli-skiing, alpinism, climbing, scuba diving, parachuting, hang-gliding, ultra-light aircraft, speleology and contact sports (martial arts, rugby, ice hockey, lacrosse, etc.) are all explicitly excluded in all three tiers. A separate RACC Sport or RACC Sport Plus product is available for these activities.
Pregnancy complications
Conditional
Childbirth and pregnancies are explicitly excluded. However, unforeseeable complications during the first six months of gestation (up to and including week 24) are covered as an exception. Coverage beyond six months of gestation and full-term childbirth are excluded in all three tiers.
Personal civil liability
Covered
Covers the insured's obligation to compensate for personal injury damages involuntarily caused to third parties during covered trips, up to 30,000€ per claim, in accordance with articles 1,902 et seq. of the Spanish Civil Code. The first 90.15€ is borne by the insured. Coverage applies when no sport or high-risk activity or bicycle is being practiced. Available in Travel Plus Puntual and Travel Premium. Not present in Travel Complet Europa Puntual. Civil liability for bicycle and electric scooter accidents is handled separately via juridica@racc.es.
Legal assistance
Covered
Includes: (1) Telephone legal advisory service (Spanish law, Mon–Fri 9–21h) covering civil, criminal, labour, tax and administrative matters; (2) Drafting of consumer complaints; (3) Network of partner law firms (first visit free, 10% discount). Additionally, in case of a traffic accident abroad: advance payment of attorney/court costs up to 1,500€, interpreter costs up to 1,500€, and provisional bail bonds up to 7,000€ — all to be repaid by the member within 1 month. Available in all three tiers.
24/7 travel assistance
Covered
24-hour, 365-day telephone medical advisory and emergency assistance service (Médico de Guardia). Contact channels: phone 900 242 242 (Spain) / +34 93 495 51 51 (abroad), WhatsApp +34 638 220 311, and the RACC mobile app (Android/iOS). The service includes on-call psychologist Monday–Sunday 9–21h. Emergency resources are mobilized at the member's expense if needed. Available in all three tiers.
Key conditions
Assistance call deadline
Assistance must be requested within a maximum of 7 days from the date of the incident (medical assistance). For other reimbursement claims, the maximum period is 15 days from the occurrence of the claim. RACC is not responsible for any service or benefit not previously requested through its Central de Alarmas.
Unauthorized treatment
Any medical treatment or service obtained abroad without prior authorization from RACC's Central de Alarmas will not be covered. For reimbursement, all medical expenses abroad must be justified through a medical report previously approved by RACC. Direct treatment without coordination voids coverage for those costs.
Purchase while abroad
Any assistance contracted from abroad after the trip has started is exempt from any coverage. The product must be contracted before the start of the trip. A 48-hour waiting period applies for annual/renewable plans from the contracting date (subject to payment of the corresponding fee).
Chronic conditions
Chronic diseases and conditions pre-existing at the start of the trip, as well as their complications or relapses, are excluded from all coverage in all three tiers. Only sudden illnesses (enfermedades súbitas) and accidents occurring during the trip are covered. Any type of chronic or pre-existing psychiatric illness is also excluded.
Pregnancy
Childbirth and full-term pregnancies are excluded. Unforeseeable complications during the first six months of gestation are covered as an exception. Coverage for psychiatric sudden illness is provided only if diagnosed by a specialist and if the health and transport authorities at the destination permit repatriation.
pre_existing_conditions
All illnesses or injuries arising from chronic or pre-existing conditions at the start of the trip, including their complications and relapses, are excluded in all three tiers. Coverage applies exclusively to sudden illnesses and accidents that occur during the covered trip. Stabilization before departure is not sufficient for coverage — the condition must be absent at departure.
coverage_duration_limit
For single-trip (puntual) products the coverage period matches the contracted trip dates. The maximum covered stay per trip is 90 days for Travel Complet, Travel Plus and Travel Premium puntual products (according to the Limitations clause grouping them together). Members must provide irrefutable proof of trip start and end dates via air/train tickets, hotel reservations, meal receipts, etc. Annual multi-trip (RACC Travel) products cover trips of up to 60 days per trip.
Policy specifics
Unlimited repatriation
RACC guarantees unlimited cost repatriation to Spain via medicalized aircraft when medically necessary, a core distinguishing feature of their travel medical products
Medical expenses with variable limits
Medical coverage limits vary by product tier: from 50,000€ (Europe basic) to 300,000€ (Travel Complet) to 1,000,000€ (premium long-stay products), depending on geographic scope and product selection
Hospitalization and surgical expenses
Covers emergency hospital admissions, surgical procedures, medical tests, pharmaceutical costs, and prolonged stay accommodation (up to 3-star hotel) when medically prescribed
Pre-existing medical conditions exclusion
Chronic pre-existing illnesses and mental health conditions are excluded; coverage for pre-existing conditions requires they be stabilized before trip departure
Winter sports and ski accident exclusion
Alpine skiing, cross-country skiing, snowboarding, ice skating and winter sports are generally excluded unless specific RACC Sport or RACC Sport Plus coverage is purchased
Mandatory assistance center contact requirement
RACC is not responsible for any service or benefit not requested and authorized in advance through their 24/7 assistance center; direct treatment without center coordination voids coverage
Geographic coverage area selection
Coverage is activated only for the selected geographic scope (Europe, World, or specific regions) and claims outside the selected zone are not covered
Maximum trip duration coverage
Standard products cover trips up to 60-90 days; long-stay (Larga Estancia) covers up to 12 months; coverage terminates if stay exceeds contracted period
War and armed conflict exclusion
No coverage for claims arising from acts of war, armed conflict, terrorism, or when Spanish Ministry of Foreign Affairs has issued travel warnings for the destination
Membership payment status requirement
Insured must be current on member dues or service payments; any arrears result in automatic suspension of all coverage and benefits
Claim notification time requirement
For non-medical reimbursement claims, must request assistance within maximum 15 days of incident; failures to notify within deadline may result in claim denial