Zurich

Assistance call deadline

The insured must call the 24-hour assistance telephone provided at policy inception before receiving medical treatment abroad to ensure coverage. Treatment received without prior authorization may not be fully reimbursed.

Unauthorized treatment

Medical expenses incurred without prior authorization from the insurer's assistance center may result in reimbursement being limited to or denied up to the policy ceiling; the €120 deductible applies in all cases.

Purchase while abroad

The policy must be contracted before departing from Spain. Purchase while already abroad is not indicated as available in the verified sources.

Chronic conditions

Coverage for chronic diseases is not explicitly addressed in the available coverage table. Coverage is stated to apply to illness of an unforeseeable nature occurring during the trip.

Pregnancy

Pregnancy complications are not listed as a specific coverage in the Zurich Travel coverage table available from verified sources.

pre_existing_conditions

Pre-existing conditions are not explicitly addressed in the available coverage table. The medical expense guarantee covers illness of an unforeseeable nature; pre-existing conditions may be excluded under the full policy T&C which were not available in verified sources.

coverage_duration_limit

Policy covers trips of 3 to 90 days in duration. Coverage is not valid for stays exceeding 90 days outside Spanish territory.

Medical expenses coverage limit

Medical, surgical, pharmaceutical and hospitalization expenses abroad are covered up to €3,000

Geographic coverage for medical assistance

Coverage is valid worldwide outside Spain, except for the guaranteed medical assistance which requires travel more than 30 km from the insured's home in Spain

Medical expenses deductible (franquicia)

A deductible (franquicia) of €120 applies to all medical expense claims in the Europa and Resto del Mundo zones across all three tiers (Estándar, Estudiantes, Séniors). No deductible applies in the Spain zone as medical expenses are not covered there.

Personal liability available only in Estándar tier

Personal civil liability (Responsabilidad Civil) coverage with a €300 deductible and judicial bail advance of €1,800 is only included in the Zurich viaje Estándar tier for Europa and Resto del Mundo zones. The Estudiantes and Séniors tiers do not include this coverage.

Personal accident benefits not available in Séniors tier

Death and permanent disability indemnities under the personal accident section are not available for the Zurich viaje Séniors (ages 66–80) tier, with the exception of death from public transport accident (€3,000 across all zones).

Hotel stay extension due to medical immobilization

If the treating physician and insurer's medical service agree that the insured cannot return home, the insurer covers hotel extension costs: Spain zone up to €600 (max €120/day), Europa and Resto del Mundo zones up to €1,200 (max €120/day). Applies equally to all three tiers.

Trip duration limit

The policy covers trips of 3 to 90 days. Coverage does not apply to stays exceeding 90 days outside Spanish territory.

Repatriation and medical transport

The insurer covers transport of injured or ill persons, including medical supervision if necessary, to a suitable hospital in Spain near their residence or home

Hotel immobilization benefit

If the treating physician and insurer's doctor agree the insured cannot return home due to illness or injury, the insurer covers hotel extension costs

Trip cancellation cover is optional

Trip cancellation expenses (for causes attributable to the insured, the organizer, or other causes) are an optional add-on available only for the Estándar tier. Limits range from €1,000 (Spain) to €3,000 (Rest of World). Not available for Estudiantes or Séniors tiers.