Santalucía Travel insurance (Asistencia En Viaje Particulares)

Covers medical-surgical, pharmaceutical, hospitalisation and ambulance expenses incurred during a trip abroad due to illness or accident, up to a maximum of 180 days from the date of accident or first diagnosis. Five selectable tiers: 18,000€, 30,000€, 60,000€, 120,000€, or 200,000€ (up to 1,000,000€ through intermediaries). All tiers provide identical coverages; only indemnification limits vary. For urgent cases arising from an unforeseeable complication of a chronic or pre-existing illness, the insurer covers costs until patient stabilisation. A separate limit applies for medical/hospitalisation expenses in the country of origin (up to 3,000€). For continued hospitalisation upon return from abroad, up to 6,000€ for a maximum of 30 days.

Emergency medical treatment is covered within the combined medical expenses limit (18,000€–200,000€ depending on selected tier). Includes surgical, pharmaceutical, hospitalisation and ambulance costs resulting from illness or accident abroad. Emergency dental treatment is covered separately up to 750€. In genuine emergencies where prior insurer authorisation is impossible, the insured must contact the assistance centre as soon as circumstances allow.

Hospitalisation expenses are covered within the combined medical expenses limit (18,000€–200,000€ depending on selected tier). Hospitalisation means formal patient admission and prescribed stay for a minimum of 24 hours. An advance on hospitalisation bonds (fianzas) abroad is also provided, up to the medical expenses limit. In the country of origin or residence for continuation of treatment after return: up to 6,000€ for a maximum of 30 days.

Outpatient (ambulatory) medical treatment costs are covered within the combined medical expenses limit (18,000€–200,000€). Telemedicine/video consultation is also included at no extra cost from anywhere in the world where permitted by local regulations. Routine check-ups, periodic reviews and preventive medicine treatments are explicitly excluded.

Covers expenses arising from acute dental problems such as infections, pain, broken teeth, lost fillings and similar conditions requiring urgent treatment during a trip abroad, up to 750€. Routine dental treatment, orthodontics and non-urgent dental procedures are excluded.

Covers transfer or medical repatriation to an adequately equipped medical centre or to the insured's place of habitual residence in case of illness or accident abroad. The insurer's medical team decides the mode of transport and destination. A medical air ambulance may be authorised exclusively when the insured is in Europe or Mediterranean rim countries listed in the policy. The sending of a specialist physician to the insured's location abroad is also covered (unlimited) when transfer is not medically possible. Sending of medications abroad is also included (unlimited). No explicit monetary cap is stated for standard medical transport; cost is covered as effective service cost.

Medical evacuation is covered as part of the sanitary transfer/repatriation coverage. The insurer's medical team decides when evacuation is necessary based on urgency and severity. Air ambulance (avión sanitario) use is authorised exclusively for insured persons displaced in Europe or Mediterranean rim countries as listed in the General Conditions. No separate monetary cap; covered as effective service cost.

If the insured dies during a covered trip, the insurer covers all necessary formalities and expenses for the transfer or repatriation of the mortal remains to the place of burial, cremation or funeral ceremony at the insured's place of residence. Stated as unlimited ("Ilimitado") in the IPID benefits table. Burial, cremation and funeral ceremony costs are not covered.

Covers expenses for search, rescue and/or salvage operations resulting from an accident involving the insured, whether by civil or military rescue services or any emergency organisation, up to 2,000€. General exclusion applies for rescue in mountains, caves, seas, jungles or deserts in unexplored regions, except as covered by this clause. Adventure sports and off-piste mountain accidents are excluded.

COVID-19 treatment is covered within the standard medical expenses coverage when the insured falls ill during travel. A personalised COVID-19 medical advisory service for travel is included (advising on necessary tests, access to a concerted laboratory network, and report issuance), applicable only to travellers departing from Spain. A positive COVID-19 PCR test preventing the insured from travelling is a covered cause for trip cancellation (optional coverage). No separate monetary cap for COVID treatment; subject to general medical expenses limits. Policy extension for quarantine or mobility restrictions is automatically activated for up to 15 additional days.

Coverage applies only to urgent expenses arising from unforeseeable complications of a chronic or pre-existing illness, and only until patient stabilisation is achieved. Trips whose purpose is to receive medical treatment and trips undertaken after a terminal illness diagnosis are explicitly excluded. Pre-existing conditions that are stable and under medical treatment at the time of travel are generally excluded from the main medical expenses coverage, except for the emergency stabilisation provision. For trip cancellation, pre-existing illness is excluded unless it causes hospitalisation of more than 24 hours with discharge at least 7 days before the trip start date (except for scheduled surgeries or organ transplants already on waiting list).

Optional add-on covering winter sports accidents on designated ski resort slopes and circuits. Includes: rescue on slopes (up to 2,000€), ground ambulance transfer to nearest hospital (up to 600€), crutches due to skiing accident (up to 150€), unused ski pass refund if accident causes repatriation (up to 300€), and unused ski classes refund if accident causes repatriation (up to 300€). Off-piste mountain accidents are explicitly excluded from all winter sports coverages.

Adventure and high-risk sports are explicitly excluded from all general coverages, even as an amateur. Excluded sports include (but are not limited to): motor vehicles, mountaineering (alpinismo), canyoning (barranquismo), rock climbing (escalada), caving (espeleología), hunting, winter sports (as amateur without optional add-on), gymnastic sports, bungee jumping, puenting, water sports, scuba diving, ultralight aircraft, parachuting, hang gliding, hot air balloon, gliding, horse riding (hípica), boxing, martial arts, bullfighting and all activities of a notoriously dangerous or high-risk nature. Professional practice of any sport is also excluded.

Pregnancy diagnosis, monitoring, routine care and childbirth are explicitly excluded from medical assistance coverage. However, coverage applies to pregnancy complications in specific circumstances: (1) For trip cancellation: serious complications requiring medical rest or hospitalisation (provided complications arose after policy contracting), premature birth by the insured female, and the need to remain in bed due to a high-risk pregnancy (provided the high-risk status began after contracting). (2) For vacation reimbursement: unforeseeable pregnancy complications in the first 24 weeks of gestation are covered. Voluntary termination of pregnancy (abortion) is excluded from all coverages.

Covers monetary compensation the insured must pay as a private person for bodily or material damage involuntarily caused to third parties during travel (per Spanish Civil Code articles 1902-1910 or equivalent foreign legislation). Covered limit per event varies by selected tier: from 10,000€ to 60,000€; aggregate maximum per contract and year: 600,000€. Deductible (franquicia): 60€ general; 200€ in the USA. Includes legal costs and judicial bonds within the limit. Excludes: motor vehicle/aircraft/vessel liability, professional/political/associative activities, fines, high-risk amateur sports (alpinism, boxing, parachuting, etc.), damages to entrusted objects, animal/pool/fuel depot ownership, and commercial/trade union activities.

Covers legal assistance abroad up to 3,000€ per coverage. Includes: (a) Basic legal guidance by the insurer's Spanish lawyers; connection to international lawyer network; (b) Claim for personal damages caused by a third party (up to 3,000€); (c) Criminal defence before foreign courts in private life matters (up to 3,000€), excluding cases of wilful misconduct or gross negligence; (d) Consumer law claims for hotel/service contracts and purchase of movable goods abroad (up to 3,000€, excluding works of art, antiques and jewellery over 3,000€). Also covers advance on judicial bonds for automobile accidents abroad (up to 3,000€, repayable within 60 days).