Santalucía
Santalucía is a travel insurance for the ES market with online purchase and 24/7 assistance.
Direct payment
The insurer arranges direct payment to medical centres when possible to avoid upfront expenses for the insured. When direct payment is not possible, the insured must pay out-of-pocket and submit original invoices for reimbursement upon return to Spain. All medical and healthcare transport services must be pre-authorised by the insurer's 24/7 assistance centre.
Geographic scope
Worldwide (Europe, rest of world including USA; valid from 30 km from insured's habitual residence, 15 km in Balearic/Canary Islands)
Worldwide coverage; specific country lists for Europe and Mediterranean rim countries defined in General Conditions. Coverage requires travel outside the insured's country of habitual residence. Territorial scope per Condiciones Particulares.
Unique selling points
- Five selectable medical expense tiers (18,000€ to 200,000€; up to 1,000,000€ via intermediaries) allowing precise coverage calibration for high-cost destinations such as the USA.
- Unlimited repatriation of mortal remains and unlimited coverage for accompanying companions' return travel, with no monetary cap on core evacuation services.
- Automatic policy extension for up to 15 days at no extra cost when the insured is quarantined or subject to mobility restrictions during travel.
- Integrated travel security and medical app (covering 220 worldwide locations, real-time alerts, hospital locator, traveller tracking and e-learning) included at no extra cost.
- 14-day right of withdrawal with coverage accepted from 3 months to 90 years of age (surcharge for over-70s), making it one of the most age-inclusive travel insurance products in Spain.
Coverage limits
Medical, pharmaceutical and hospitalisation expenses abroad
Covered
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 abroad
Covered
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 abroad
Covered
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 medical treatment abroad
Covered
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.
Emergency dental expenses abroad
Covered
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.
Medical transport and sanitary transfer
Covered
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
Covered
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.
Repatriation of mortal remains
Covered
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.
Search and rescue expenses
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 medical treatment
Conditional
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.
Pre-existing and chronic condition complications
Conditional
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).
Winter sports coverage (optional)
Optional
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 coverage
Excluded
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 complications coverage
Conditional
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.
Private civil liability during travel
Covered
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.
Legal assistance abroad
Covered
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).
24/7 assistance centre
Covered
A 24/7/365 assistance centre is available for all insured persons. Mandatory first point of contact for all coverage events. Services include: medical advisory, travel information, document loss assistance, urgent message transmission, luggage location, healthcare information, and coordination of all medical and logistical assistance. App-based security and medical services (covering 220 locations worldwide, real-time alerts, hospital database, traveller tracking, e-learning modules) are also included at no extra cost. The insurer reserves the right to rescind app services with 2 months' notice.
Key conditions
Assistance call deadline
The insured, their family members, travel companions or trusted person must immediately contact the insurer's 24/7 Assistance Centre upon any covered event. In cases of force majeure preventing immediate notification, the insured must contact the centre as soon as circumstances allow. Medical and healthcare transport services must be pre-authorised by the insurer's medical team in collaboration with the treating physician. Any benefits not pre-authorised (except in material impossibility) may be denied.
Unauthorized treatment
If the insured refuses to be transferred or repatriated at the time and under conditions determined by the insurer's medical service, all policy coverages are automatically suspended and all resulting expenses are excluded. The insurer reimburses only expenses where prior notification was given and original payment documentation is presented. No cash substitution for service provision, except by express agreement.
Purchase while abroad
Insurance must be contracted prior to the trip departure date. If contracted after the trip has already begun, coverage takes effect 72 hours after policy issuance. If renewing a policy when the previous one has already lapsed, a new 72-hour waiting period applies. Trip cancellation coverage must be contracted before or at the moment of trip reservation confirmation; if contracted later, a 72-hour waiting period also applies before cancellation coverage becomes effective.
Chronic conditions
Chronic diseases, pre-existing conditions and illnesses under medical treatment prior to the trip start date are generally excluded, EXCEPT for urgent expenses arising from unforeseeable complications, covered only until patient stabilisation. The insurer's medical team coordinates all care and decides on transfer/repatriation necessity. A second medical opinion service is available for insured persons with contracts over 90 days who receive a first-time diagnosis of a serious illness from a specified list during the trip (up to 2,500€ limit).
Pregnancy
Pregnancy diagnosis, follow-up, routine care and childbirth are excluded from medical assistance coverage. Coverage applies only to unforeseeable serious complications requiring medical rest or hospitalisation (provided complications arose after policy contracting), premature birth, and unforeseeable complications in the first 24 weeks of gestation (for vacation reimbursement). Voluntary termination of pregnancy is excluded from all coverages.
pre_existing_conditions
Pre-existing conditions (illnesses or injuries diagnosed, treated or symptomatic prior to the policy effective date) are excluded from medical assistance coverage except for emergency stabilisation of unforeseeable complications. Trips specifically undertaken to receive medical treatment are excluded. For trip cancellation, a pre-existing condition is covered only if it causes hospitalisation of more than 24 hours with discharge at least 7 days before the trip start date, or if it falls under specific exceptions (scheduled surgery on waiting list, organ transplant on waiting list).
coverage_duration_limit
Medical and travel assistance coverage has a maximum duration of 180 days from the date of the accident or first illness diagnosis during travel. Hospitalization continuation coverage in the country of origin upon return is limited to 30 days. Policy extension for quarantine or mobility restrictions is capped at 15 additional days beyond the original contract end date (only for policies with an original duration of more than 3 days and less than 31 days). Extended stay coverage due to quarantine/state of alarm/border closure is limited to policies with a duration under 30 days. Contract modalities: Temporal (max 185 days single trip), Annual Maximum 90 (all trips under 90 consecutive days), Annual Long Stay (all trips including those over 90 consecutive days).
Policy specifics
Medical expense limits by destination
Medical coverage is offered in multiple tiers (18,000€, 30,000€, 60,000€, 120,000€, or 200,000€) with different limits based on destination costs (e.g., USA has higher costs)
Medical repatriation and transport
Covers transport and repatriation to home country from equipped medical center for accident or illness during trip outside country of residence
Trip cancellation coverage (optional)
Optional coverage for trip cancellation and refund of contracted services, with amounts up to 3,000€ depending on selection
Baggage loss and delay coverage
Coverage for lost, stolen, or delayed baggage with compensation options from 600€ to 2,400€ and reimbursement for essential items purchased due to delays
Spain residency requirement
Both policyholder and insured person must be residents of Spain at the time of contracting; policy covers travel outside country of domicile/usual residence
Insurance contracting timing restrictions
Insurance must be contracted prior to trip departure date; if contracted after trip begins, coverage takes effect 72 hours after policy issuance
Mandatory assistance center coordination
Medical services must be pre-authorized and coordinated through 24/7 assistance center; in emergencies, insured must contact center using phone number on policy card before or immediately after receiving care
Exclusion of medical treatment trips
Trips whose object is to receive medical treatment or which occur subsequent to diagnosis of terminal illness are excluded from coverage