RACC Travel insurance (Racc Travel Puntual)

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).

Covers emergency medical, surgical, pharmaceutical and hospitalization expenses 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€. A separate, lower limit of 1,200€ applies only to the first emergency medical assistance for incidents occurring during travel within Spain, which is subsidiary to Social Security coverage.

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 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.

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.

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 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.

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.

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 is not explicitly named as a covered or excluded illness. General sudden-illness coverage abroad would apply to a COVID-19 case, but the policy's force-majeure exclusion explicitly lists pandemics among the events for which RACC is not liable, so pandemic-related claims may be denied.

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.

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 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.

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.

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 [email protected].

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.