Adeslas Travel insurance (Segurcaixa Asistencia En Viaje)

Emergency medical and surgical treatment abroad is covered under the medical expenses guarantee (A.1). The insurer covers consultation fees, surgical and pharmaceutical costs for illness or accident arising during a trip, up to the contracted capital tier: Básico (€50,000), Completo (€150,000), Premium (€500,000) or Excellence (€1,000,000). Prior authorization from the insurer is required except in genuine emergencies.

Hospitalisation costs abroad (including stay, medical and pharmaceutical services) are included within the overall medical expenses guarantee A.1, subject to the contracted capital tier. When hospitalisation is determined necessary by the insurer's medical team in agreement with the treating physician, the insurer covers transfer to the hospital, the hospital stay and all necessary medical services including pharmaceuticals, up to the contracted limit.

Outpatient medical consultations, surgical and pharmaceutical expenses arising from covered illness or accident during a trip abroad are covered under guarantee A.1, subject to prior insurer authorization and up to the contracted capital tier. Remote medical advice (A.7) is also included.

Covers treatment costs for acute dental problems requiring urgent treatment during a trip abroad, such as infections, pain, broken teeth or lost fillings. Maximum limit per claim is €300. Cosmetic or planned dental work is excluded. Applies exclusively to trips abroad.

Under guarantee A.3, the insurer covers: (a) ambulance transport to the nearest clinic or hospital; (b) medical team monitoring to determine best treatment and most suitable transport to another hospital or back to Spain; (c) medical repatriation to Spain if medically necessary. For minor ailments not requiring repatriation, transport by vehicle or ambulance to the nearest medical facility is covered. No separate monetary sub-limit stated; the cost of service is covered in full.

Under guarantee A.3, if the insured suffers an illness or accident, the insurer organizes and covers medical repatriation to Spain when medically necessary, including medical escort if required. If the insured's condition does not allow immediate transfer to Spain and local care is insufficient, a specialist physician is dispatched to the insured's location (guarantee A.5). No separate monetary sub-limit stated for the repatriation service itself; cost of service is covered in full.

Under guarantee B.1, if the insured dies during a covered trip, the insurer covers the administrative procedures and costs necessary for transferring the mortal remains to the place of burial in Spain. Burial and ceremony costs and the cost of the coffin are excluded. If no companion is available to accompany the remains, the insurer provides a round-trip ticket (first class rail, tourist class air) for a person domiciled in Spain designated by family members. The insurer also covers accommodation and subsistence of the companion up to €80/day for a maximum of 3 days. No overall monetary cap on the repatriation service itself.

Search and rescue operations in mountains, caves, seas, jungles or deserts are explicitly excluded from all coverage under general exclusion (c) of section E of the General Terms and Conditions.

Pre-existing illnesses and/or congenital conditions, chronic conditions and ailments under medical treatment prior to the start of the trip are explicitly excluded from coverage. A pre-existing disease is defined as one suffered by the insured prior to the start of the covered trip.

An optional ski pack can be added to the policy covering: crutch hire costs following a ski accident (up to €150), on-piste rescue/descent costs (up to €2,000), reimbursement of ski pass and loss of ski equipment (up to €300), and ambulance expense reimbursement (up to €600). Ski is excluded from the standard policy as an amateur winter sport; it is only covered when the specific optional ski pack is contracted. The additional coverages within the pack (e.g. baggage delay limits) are also enhanced.

Practice of any sport as a professional or federated athlete, and sports competitions, are explicitly excluded. As an amateur, a long list of hazardous activities is excluded, including mountaineering, paragliding, rock climbing, scuba diving, water scooters, rafting, bungee jumping, canyoning, kayaking, white-water activities, speleology, motor racing and bullfighting. Winter sports as an amateur (except skiing with the optional ski pack) are also excluded.

Diagnosis, monitoring and treatment of pregnancy, voluntary termination and childbirth are explicitly excluded from coverage in the General Terms and Conditions.

Personal civil liability is not found as a coverage in the standalone SegurCaixa Asistencia en Viaje policy documents. The policy does include guarantee A.15 (Fianzas y gastos procesales) which advances legal defence costs (up to €15,000) and criminal bail (up to €10,000) arising from a car accident abroad, but this is a legal assistance guarantee, not general personal liability coverage.

Under guarantee A.15 (Fianzas y gastos procesales), the insurer advances to the insured, subject to formal guarantee of repayment within 60 days: legal defence costs up to €15,000 and criminal bail up to €10,000, arising from judicial proceedings initiated as a result of a car accident outside the insured's country of residence and/or habitual domicile.