Sanitas Travel insurance (Sanitas Travel)
Underwritten by Zurich Insurance plc, Sucursal en España · Spain
travel insurance from Sanitas for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 15, 2026Sources
Key facts
- Sanitas
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 organized directly by the Company, with its medical team making all transport and hospitalization decisions, up to the limits set out in the policy schedule.
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
No limit stated
Covers medical, surgical and hospitalization costs arising from an accident or unforeseeable illness during the trip, up to the limits indicated in the policy summary (resumen de tu póliza). Pharmaceutical expenses prescribed by a doctor for covered conditions are also included.
Section: Artículo 3. Garantías Cubiertas > 3.1. Garantías de Asistencia > 3.1.1. Gastos médicos-sanitarios
La Compañía toma a su cargo los gastos médicos, quirúrgicos y de hospitalización que el Asegurado deba satisfacer en caso de accidente o enfermedad de carácter no previsible, sufridos durante las fechas que comprenda el viaje, hasta los límites indicados en el resumen de tú póliza.
Emergency Medical Treatment
Covered
No limit stated
Emergency medical care for urgent illness or accident during the trip, including medical, surgical and hospital expenses, covered up to the limits indicated in the policy summary. The Company must be contacted before any medical service is rendered, except in cases of vital emergency.
Section: Artículo 3. Garantías Cubiertas > 3.1. Garantías de Asistencia > 3.1.1. Gastos médicos-sanitarios
La Compañía toma a su cargo los gastos médicos, quirúrgicos y de hospitalización que el Asegurado deba satisfacer en caso de accidente o enfermedad de carácter no previsible, sufridos durante las fechas que comprenda el viaje.
Hospitalization
Covered
No limit stated
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.
Section: Artículo 3. Garantías Cubiertas > 3.1. Garantías de Asistencia > 3.1.1. Gastos médicos-sanitarios
La Compañía gestionará la búsqueda del médico y/o el ingreso en el hospital más adecuado.
Outpatient Treatment
Covered
No limit stated
Outpatient medical and surgical treatment during the trip is included within the medical expenses guarantee. This includes pharmaceutical expenses prescribed by the treating physician.
Section: Artículo 3. Garantías Cubiertas > 3.1. Garantías de Asistencia > 3.1.1. Gastos médicos-sanitarios
La Compañía toma a su cargo los gastos farmacéuticos necesarios por prescripción médica para el tratamiento de patologías cubiertas por la presente póliza.
Emergency Dental
Excluded
Any dental expense is explicitly excluded from coverage under this policy, regardless of whether it arises from an emergency or accident.
Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
Cualquier gasto odontológico.
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.
Section: Artículo 3. Garantías Cubiertas > 3.1.2. Repatriación o transporte sanitario de heridos o enfermos
la Compañía toma a su cargo el transporte del Asegurado hasta el hospital local más próximo y, en su caso, hasta un centro hospitalario mejor equipado o especializado cercano a su domicilio habitual en España, o hasta su propio domicilio cuando no necesite hospitalización.
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.
Section: Artículo 3. Garantías Cubiertas > 3.1.2. Repatriación o transporte sanitario de heridos o enfermos
En Europa y países ribereños del Mediterráneo, podrá incluso utilizarse el avión sanitario especialmente acondicionado.
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 the zinc-lined coffin required for transfer) are included. The minimum coffin required for the transfer is covered; burial, ceremony and funeral costs are not covered by the Company.
Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
En los gastos de acondicionamiento del cadáver, se excluyen los de inhumación, ceremonia y pompas fúnebres. Se incluye, no obstante, el coste del ataúd mínimo necesario para el traslado del fallecido.
Search and Rescue
Excluded
Rescue of persons at sea, in pits, deserts or mountains is explicitly excluded from all assistance guarantees of this policy.
Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
El rescate de personas en el mar, simas, desiertos o montañas.
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.
Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
Las recaídas de enfermedades o lesiones crónicas o preexistentes, sean estas últimas, conocidas o no por el Asegurado en el momento de iniciar el viaje.
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.
Section: Artículo 3. Garantías Cubiertas > 3.5. Garantías de Esquí
Garantías sólo con validez para los Asegurados que hayan contratado el paquete de garantías de esquí.
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.
Section: Artículo 3. Garantías Cubiertas > 3.3.4. Exclusiones aplicables a la garantía de accidentes personales
La práctica de deportes de alto riesgo, tales como rugby; rafting; hidroespeed y similares... esquí (salvo contratación expresa a través del producto Zurich viaje esquí), surf, motocross, vuelo sin motor, ala delta, submarinismo, paracaidismo, ascensiones en globo, lucha o boxeo.
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 and voluntary termination of pregnancy are excluded.
Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
queda excluido el diagnóstico, seguimiento y tratamiento del embarazo, interrupción voluntaria del mismo y partos, salvo que se trate de atención de carácter urgente y siempre anterior al sexto mes.
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.
Section: Artículo 3. Garantías Cubiertas > 3.4.1. Responsabilidad Civil
La Compañía toma a su cargo las indemnizaciones que por daños corporales o materiales ocasionados involuntariamente por el Asegurado a terceros, puedan serle exigibles conforme a la legislación vigente en el país en que se encuentre de viaje.
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.
Section: Artículo 3. Garantías Cubiertas > 3.4.3. Asesoramiento legal en Viaje
La Compañía pone a disposición del Asegurado un servicio telefónico de asesoría jurídica para indicarle cómo actuar ante cualquier imprevisto que le pueda suceder durante un viaje.
24/7 Assistance Service
unlimited
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 treatment, voluntary termination and childbirth are excluded, except urgent care occurring before the sixth month of pregnancy.
SourceClause 3.1.13Page 13Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
queda excluido el diagnóstico, seguimiento y tratamiento del embarazo, interrupción voluntaria del mismo y partos, salvo que se trate de atención de carácter urgente y siempre anterior al sexto mes.
Pre-existing condition exclusions
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.
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.
Territorial scope
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.
Documents
Policy specifics
Emergency Medical Expenses
Coverage for urgent medical expenses incurred during travel abroad due to accident or illness
SourceClause 3.1.1Page 10Section: Artículo 3. Garantías Cubiertas > 3.1.1. Gastos médicos-sanitarios
La Compañía toma a su cargo los gastos médicos, quirúrgicos y de hospitalización que el Asegurado deba satisfacer en caso de accidente o enfermedad de carácter no previsible, sufridos durante las fechas que comprenda el viaje.
Medical Repatriation
Coverage for medical repatriation in case of serious accident or illness occurring abroad
SourceLuggage and Baggage Coverage
Coverage for luggage incidents including loss, theft, and delays during travel
SourceClause 3.2Page 14Section: Artículo 3. Garantías Cubiertas > 3.2. Garantías relativas al equipaje
Todos los pasajeros de línea aérea tanto chárter como regular tienen derecho a indemnización por parte de la compañía aérea causante del daño en caso de deterioro, pérdida o demora en la entrega de equipajes.
Trip Cancellation
Coverage for trip cancellation and interruption due to specified causes
SourceClause 3.6Page 22Section: Artículo 3. Garantías Cubiertas > 3.6. Gastos de Cancelación de Viaje
La Compañía garantiza el reembolso de los gastos de anulación contractualmente, del medio de transporte público y/o alojamiento del viaje previstos y reservados previamente a la entrada en vigor de esta.
Hospital Deposit Guarantee
Coverage for guaranteeing hospital deposits in case of hospitalization abroad
SourceCompanion Assistance
Coverage for travel costs and accommodation for a companion if insured is hospitalized abroad
SourceEarly Return Coverage
Coverage for early return to home country in case of emergency while traveling abroad
SourceSpecialist Medical Dispatch
Coverage for dispatching a medical specialist from Spain to patient location abroad
SourceExcluded 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.
SourceClause 6Page 27Section: 6. Ámbito territorial > ZONAS GEOGRÁFICAS EXCLUIDAS DE COBERTURA
No son asegurables viajes con destino a los siguientes países: Afganistán, Angola, Aruba, Azerbaiyán, Bahréin, Bielorrusia, Burundi, República Centroafricana, Chad, República Democrática del Congo, Islas Glorioso, Guinea Bissau, Irán, Iraq, Corea del Norte, Líbano, Liberia, Libia, Malí, Níger, Nigeria, Omán, Pakistán, Palestina.
Unattended Luggage Exclusion
Theft of items left unattended in a public place is excluded from the baggage guarantee.
SourceClause 3.2.5Page 15Section: Artículo 3. Garantías Cubiertas > 3.2.5. Exclusiones aplicables a las garantías relativas al equipaje
La sustracción de objetos dejados sin vigilancia en algún lugar público.
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.
SourceClause 12Page 30Section: 12. Riesgos no cubiertos y exclusiones generales
Los daños cubiertos por el seguro que se hayan producido encontrándose al Asegurado en estado de embriaguez o bajo influencia de drogas, tóxicos o estupefacientes, psicotrópicos, estimulantes o sustancias análogas que alteren el estado físico o mental, o de medicamentos sin prescripción médica.
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.
SourceClause 12Page 30Section: 12. Riesgos no cubiertos y exclusiones generales
Los daños, costes y gastos derivados de los conflictos armados o guerra (civil o internacional) aunque no haya precedido la declaración oficial de guerra, revolución, sedición, motín o tumulto popular, manifestaciones, movimientos populares, actos de terrorismo y sabotaje, huelgas o restricciones a la libre circulación.
Travel Duration Limit
Medical assistance coverage applies to trips not exceeding specified consecutive days per year
SourcePre-existing Conditions Exclusion
Conditions diagnosed or suffered prior to policy effective date are excluded from coverage
SourceClause 3.1.13Page 13Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
Las recaídas de enfermedades o lesiones crónicas o preexistentes, sean estas últimas, conocidas o no por el Asegurado en el momento de iniciar el viaje.
Prior Authorization Requirement
Medical services must be authorized before provision except in life-threatening emergencies
SourceMinimum Distance from Home
Travel medical coverage applies only when insured is at least specified distance from home address
SourceMinimum Expense Threshold
Medical expenses below specified minimum amount are not reimbursed
SourceClause 3.1.13Page 13Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
Los gastos de curación por importe inferior a las franquicias, así como los relativos a gafas y lentillas, y a la adquisición, implantación-sustitución, extracción y/o reparación de prótesis, piezas anatómicas y ortopédicas de cualquier tipo.
Pregnancy Coverage Limitation
Pregnancy-related coverage has specific conditions and limitations
SourceClause 3.1.13Page 13Section: Artículo 3. Garantías Cubiertas > 3.1.13. Exclusiones aplicables a las garantías de Asistencia
queda excluido el diagnóstico, seguimiento y tratamiento del embarazo, interrupción voluntaria del mismo y partos, salvo que se trate de atención de carácter urgente y siempre anterior al sexto mes.
Fragile Items Loss Exclusion
Baggage coverage excludes fragile items like ceramics, glass, porcelain, and marble
SourceClause 3.2.5Page 15Section: Artículo 3. Garantías Cubiertas > 3.2.5. Exclusiones aplicables a las garantías relativas al equipaje
La destrucción de objetos frágiles, la cerámica, cristal, porcelana y mármol.
High-Risk Activity Exclusion
Medical assistance excludes injuries from high-risk sports and extreme activities
SourceClause 3.3.4Page 18Section: Artículo 3. Garantías Cubiertas > 3.3.4. Exclusiones aplicables a la garantía de accidentes personales
La práctica de deportes de alto riesgo, tales como rugby; rafting; hidroespeed y similares... esquí (salvo contratación expresa a través del producto Zurich viaje esquí), surf, motocross, vuelo sin motor, ala delta, submarinismo, paracaidismo, ascensiones en globo, lucha o boxeo.
Sources
- segurossaludsanitas.eshttps://segurossaludsanitas.es/seguro-asistencia-viaje(opens in a new tab)
- healthplanspain.comhttps://www.healthplanspain.com/coronavirus-covid19-information.html(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=10(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=11(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=13(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=14(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=15(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=18(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=19(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=20(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=21(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=22(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=27(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/media/documento/archivo/pdf_condiciones_generales_sanitas_travel/condicionado-travel.pdf#page=30(opens in a new tab)
- sanitas.eshttps://www.sanitas.es/sanitas/seguros/es/particulares/otros-seguros/seguros-de-viajes/resumen/index.html(opens in a new tab)