Sanitas
Sanitas is a travel insurance for the es market with online purchase and 24/7 assistance.
Direct payment
All assistance services must be organized by Zurich/Sanitas in advance. Reimbursement of expenses incurred through external providers is only permitted in cases of force majeure or vital emergency. In the event of a vital emergency, the insured must notify the Company within 7 days of the incident.
Geographic scope
Worldwide (excluding listed conflict zones)
Worldwide except Spain (country of residence) and a list of excluded high-risk countries including Afghanistan, Angola, Iran, Iraq, Syria, Ukraine and others. Coverage applies to trips of 3 to 90 days duration.
Unique selling points
- Comprehensive travel medical assistance organized directly by the Company (not reimbursement-based), ensuring no out-of-pocket expenses at the point of care for covered emergencies.
- Medical expenses coverage up to 80,000 EUR in Europe and 100,000 EUR worldwide per person per trip, with the Company's medical team making all transport and hospitalization decisions.
- Personal civil liability coverage included as standard, covering third-party bodily and material damage caused involuntarily during the trip, including legal defense costs.
- 24/7 multilingual assistance helpline accepting collect calls, providing immediate coordination of all emergency services worldwide from the moment a claim occurs.
- Optional ski/winter sports supplement and optional trip cancellation guarantee available, allowing travelers to tailor coverage to their specific trip profile.
Coverage limits
Medical Expenses
Covered
Covers medical, surgical and hospitalization costs arising from an accident or unforeseeable illness during the trip. Limit is 80,000 EUR for Europe and 100,000 EUR for the rest of the world per person and trip. Pharmaceutical expenses prescribed by a doctor for covered conditions are also included.
Emergency Medical Treatment
Covered
Emergency medical care for urgent illness or accident during the trip, including medical, surgical and hospital expenses. Covered up to the medical expenses limit (80,000 EUR Europe / 100,000 EUR worldwide). The Company must be contacted before any medical service is rendered, except in cases of vital emergency.
Hospitalization
Covered
Hospitalization costs are included within the medical expenses guarantee (Art. 3.1.1). The Company manages the search for and admission to the most appropriate hospital. Coverage ends when the insured returns to their habitual residence or is repatriated to a hospital near their home.
Outpatient Treatment
Covered
Outpatient medical and surgical treatment during the trip is included within the medical expenses guarantee. This includes pharmaceutical expenses prescribed by the treating physician.
Emergency Dental
Excluded
Any dental expense is explicitly excluded from coverage under this policy, regardless of whether it arises from an emergency or accident.
Medical Transport / Sanitary Transfer
Covered
The Company covers transport of the injured or ill insured to the nearest appropriate hospital and, if necessary, to a hospital near their habitual residence in Spain, or to their home when hospitalization is not required. The Company's medical team decides the mode of transport and whether medical accompaniment is required. In Europe and Mediterranean rim countries a specially equipped air ambulance may be used.
Medical Evacuation
Covered
Medical evacuation is included under the sanitary transport guarantee (Art. 3.1.2). The Company organizes and covers evacuation to the nearest appropriate medical facility and, when medically indicated, repatriation to a hospital near the insured's habitual residence in Spain.
Repatriation of Remains
Covered
In the event of death of the insured, the Company organizes and covers transport of the body from the place of death to the place of burial in Spain. Post-mortem treatment and mandatory preparation (e.g. embalming and zinc-lined coffin required for transfer) are included. Costs of the coffin itself, burial and ceremony are NOT covered by the Company.
Search and Rescue
Excluded
Rescue of persons at sea, in pits, deserts or mountains is explicitly excluded from all assistance guarantees of this policy.
Pre-existing Conditions
Excluded
Pre-existing conditions (those suffered or diagnosed prior to the policy effective date, including chronic disorders and their complications and relapses) are explicitly excluded from all assistance guarantees. In case of aggravation of an accident by a pre-existing condition, the Company covers only the consequences the accident would have had without the aggravating condition.
Winter Sports / Ski Cover
Optional
Winter sports and ski coverage (including ski rescue on slopes, forfait loss and ski lesson loss) is available only as an optional supplement (paquete de garantías de esquí) contracted separately. Without this supplement, ski and snowboard activities and other winter sports are excluded from the policy.
Adventure Sports Cover
Excluded
Adventure sports and high-risk activities are excluded from the policy. Excluded activities include boxing, weightlifting, wrestling, martial arts, mountaineering, bobsleigh, fencing, speleology, surf, motocross, paragliding, skydiving, scuba diving, hot-air balloon ascents, and any professional sport. Competitive sports and training are also excluded.
Pregnancy Complications
Conditional
Pregnancy diagnosis, monitoring and routine maternity care are excluded. However, urgent care of a pregnancy-related nature is covered provided it occurs before the sixth month of gestation. Childbirth, voluntary termination of pregnancy and complications from the seventh month onwards are excluded.
Personal Liability / Civil Liability
Covered
The Company covers indemnities that the insured may be legally required to pay to third parties for bodily or material damage caused involuntarily during the trip. Coverage applies according to the legislation of the country where the insured is traveling. Also includes legal defense costs (lawyers and solicitors) and procedural costs, excluding fines and sanctions. Limits are indicated in the policy schedule.
Legal Assistance in Travel
Covered
The Company provides a telephone legal advisory service to guide the insured on how to act in any unforeseen legal situation during the trip. Includes advance of judicial bail (penal bond) in foreign countries up to the limit in the policy schedule. The insured must repay the advance within 3 months.
24/7 Assistance Service
Covered
The Company provides 24/7 assistance coordination. The insured must contact the Company immediately upon any covered event. The Company organizes all assistance services. Emergency assistance calls are accepted collect (reverse charge). This 24/7 service is explicitly described as mandatory before any service is rendered (except vital emergency).
Key conditions
Assistance call deadline
The insured must immediately notify the Company of any covered event. In cases of force majeure or proven material impossibility of contact, notification must be made within 7 days of the incident. Failure to notify may reduce the Company's obligation proportionally or forfeit coverage entirely in case of bad faith.
Unauthorized treatment
Medical expenses incurred through external providers without prior authorization from the Company will not be reimbursed, except in cases of proven force majeure or vital emergency. In the event of unauthorized treatment by vital emergency, the insured will be reimbursed upon return to their usual residence, provided they present the relevant supporting documents.
Purchase while abroad
The policy must be contracted before the trip begins. The cancellation guarantee requires that the policy be contracted within 48 hours of the trip reservation, and at least 48 hours must elapse between policy purchase and the event generating the cancellation.
Chronic conditions
Relapses and complications of chronic or pre-existing conditions are explicitly excluded from all assistance guarantees. Mental illnesses and chronic conditions that have caused alterations in the insured's health before the trip are also excluded.
Pregnancy
Pregnancy diagnosis, monitoring and routine maternity care are excluded. Urgent pregnancy-related care is covered only if it occurs strictly before the sixth month of gestation. Childbirth, voluntary termination of pregnancy and any pregnancy complications from the seventh month onwards are excluded.
pre_existing_conditions
Pre-existing conditions (suffered or diagnosed before the policy effective date), chronic disorders, and their complications and relapses are explicitly excluded from all assistance guarantees. No coverage exists for states that are pre-existing to coverage by law.
coverage_duration_limit
Coverage applies only to trips lasting between 3 and 90 consecutive days. The policy is valid for the dates of coverage indicated in the Particular Conditions. Assistance guarantees (medical and persons-related) end at the moment the insured returns to their habitual residence in Spain or has been admitted to a hospital within 25 km (15 km for Balearic/Canary Islands) of their home.
Documents
Sanitas Travel – General Policy Conditions (Zurich)
terms_and_conditions
Policy specifics
Emergency Medical Expenses
Coverage for urgent medical expenses incurred during travel abroad due to accident or illness
Medical Repatriation
Coverage for medical repatriation in case of serious accident or illness occurring abroad
Luggage and Baggage Coverage
Coverage for luggage incidents including loss, theft, and delays during travel
Trip Cancellation
Coverage for trip cancellation and interruption due to specified causes
Hospital Deposit Guarantee
Coverage for guaranteeing hospital deposits in case of hospitalization abroad
Interpreter Service
Coverage for interpreter services in case of hospitalization abroad
Companion Assistance
Coverage for travel costs and accommodation for a companion if insured is hospitalized abroad
Early Return Coverage
Coverage for early return to home country in case of emergency while traveling abroad
Fund Advance
Coverage for advance of funds in case of accident, illness, or theft abroad
Baggage Delay Reimbursement
Reimbursement for expenses due to baggage delivery delays
Specialist Medical Dispatch
Coverage for dispatching a medical specialist from Spain to patient location abroad
Excluded Destination Countries
Travel to countries in active conflict or social instability is not insurable. Excluded countries include: Afghanistan, Angola, Aruba, Azerbaijan, Bahrain, Belarus, Burundi, Central African Republic, Chad, Democratic Republic of Congo, Glorioso Islands, Guinea-Bissau, Iran, Iraq, North Korea, Lebanon, Liberia, Libya, Mali, Niger, Nigeria, Oman, Pakistan, Palestine (Gaza Strip), Palestine (West Bank), Palestine, Papua New Guinea, Rwanda, Sierra Leone, Somalia, South Sudan, Sudan, Syria, Tajikistan, Uganda, Ukraine, Yemen, Zimbabwe, and any country in armed conflict or social unrest at the time the insured trip begins.
Unattended Luggage Exclusion
Theft of items left unattended in a public place is excluded from the baggage guarantee.
Alcohol and Drug-Related Exclusion
Damages, costs and expenses arising when the insured is under the influence of alcohol, drugs, toxic substances, psychotropic drugs, stimulants, or analogous substances that alter physical or mental state, or medications without medical prescription, are excluded from all guarantees. Intoxication is determined by reference to local legal blood alcohol limits.
War and Terrorism Exclusion
Damages, costs and expenses arising from armed or civil conflict (declared or not), revolution, sedition, popular unrest, acts of terrorism and sabotage, strikes or restrictions on free movement and other public order disturbances are excluded from all guarantees.
Travel Duration Limit
Medical assistance coverage applies to trips not exceeding specified consecutive days per year
Pre-existing Conditions Exclusion
Conditions diagnosed or suffered prior to policy effective date are excluded from coverage
Prior Authorization Requirement
Medical services must be authorized before provision except in life-threatening emergencies
Minimum Distance from Home
Travel medical coverage applies only when insured is at least specified distance from home address
Minimum Expense Threshold
Medical expenses below specified minimum amount are not reimbursed
Pregnancy Coverage Limitation
Pregnancy-related coverage has specific conditions and limitations
Excluded Destination Countries
Certain high-risk countries are not insurable under travel medical policies
Fragile Items Loss Exclusion
Baggage coverage excludes fragile items like ceramics, glass, porcelain, and marble
Alcohol and Drug-Related Exclusion
Claims arising from consumption of alcohol, drugs, or narcotics are excluded
High-Risk Activity Exclusion
Medical assistance excludes injuries from high-risk sports and extreme activities
War and Terrorism Exclusion
Coverage excludes claims arising from war, terrorism, insurrection, or civil unrest
Unattended Luggage Exclusion
Theft or loss of luggage left unattended in public places is not covered