Zurich Travel insurance (Zurich Travel)
Underwritten by Zurich Insurance plc Sucursal en España · Spain
travel insurance from Zurich for the Spain market, with online purchase and 24/7 assistance.
Last verified Jul 15, 2026Sources
Key facts
- Personal liability up to €40,000 – €60,000
- Starting price: €1per tripAs published by the insurer — it does not say who the price is for
Unique selling points
Unlimited repatriation and medical transport benefit across all geographic zones and all age tiers — no cap on evacuation costs.
Three age-segmented tiers under one product line: Estándar (3 months–65 years), Estudiantes (18–25 years), and Séniors (66–80 years), each with tailored limits.
Starting price from €1 per day for domestic trips, €3/day for European destinations, and €5/day for worldwide coverage.
Medical expenses abroad covered up to €36,000 in the Rest of World zone and €18,000 in Europe.
24/7 telephone assistance including emotional support, interpreter service abroad, urgent message transmission, and medicine dispatch across all tiers and zones.
Coverage limits
Medical, surgical, pharmaceutical and hospitalization expenses abroad
€18K – €36K
Covers medical, surgical, pharmaceutical and hospitalization expenses incurred abroad. Not available for Spain zone (dash in table). Europe zone: €18,000; Rest of World zone: €36,000. A deductible (franquicia) of €120 applies. All three tiers (Estándar, Estudiantes, Séniors) share the same limits. Available in clauses: Europa (€18,000), Resto del Mundo (€36,000).
Emergency medical treatment
Covered
Emergency medical treatment is subsumed within the medical expenses guarantee (Gastos médicos sanitarios) up to the stated zone limits (€18,000 Europa / €36,000 Resto del Mundo). No separate line item in the coverage table.
Hospitalization expenses
Covered
Hospitalization expenses are covered as part of the overall medical expenses guarantee (Gastos médicos sanitarios). No separate hospitalization sub-limit is stated in the coverage table beyond the overall medical expense ceiling.
Outpatient treatment
Covered
Outpatient (ambulatory) treatment expenses are included within the overall medical expenses guarantee but no separate sub-limit for outpatient care is stated in the coverage table.
Emergency dental
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Section: What Is Zurich and What Travel Insurance Do They Offer? > In Chile : Zurich, in collaboration with local entities, offers three options
Basic Plan : Medical assistance up to $40,000 (€34,260), coverage for lost luggage and emergency dental care ($400, €340).
Medical transport (repatriation or sanitary transport of injured/ill persons)
unlimited
Repatriation or sanitary transport of injured or ill insured persons is covered with unlimited benefit across all zones (España, Europa, Resto del Mundo) and all three tiers (Estándar, Estudiantes, Séniors).
Medical evacuation
unlimited
Medical evacuation is covered under the unlimited repatriation/sanitary transport guarantee across all zones and all tiers. No separate cap is stated.
Repatriation of remains (deceased)
unlimited
Repatriation or transport of deceased insured persons is covered with an unlimited benefit across all zones (España, Europa, Resto del Mundo) and all three tiers (Estándar, Estudiantes, Séniors).
Search and rescue
No limit stated
Search and rescue is not covered under this policy.
COVID-19 treatment
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se incluye la cobertura de Covid-19 para los clientes que tengan contratado un seguro de vida riesgo con Zurich en caso de que el siniestro sea consecuencia del COVID-19.
Pre Existing Conditions
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Section: What Zurich Travel Insurance Doesn't Cover
Undeclared pre-existing conditions : Any diagnosed medical condition before purchasing the policy and not reported during purchase might not be covered.
Winter sports cover
No limit stated
Winter sports (ski) coverage is not present in the three core Zurich Travel tiers (Estándar, Estudiantes, Séniors) described in the coverage table. A separate ski product exists but is not part of this product line.
Adventure sports cover
No limit stated
Adventure sports coverage is not included under this policy.
Pregnancy Complications
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Clause 6Page 4Section: Exclusions
Any condition resulting from pregnancy, childbirth, miscarriage, abortion, pre-natal care, postnatal care or other complications arising therefrom;
Personal civil liability (Responsabilidad Civil)
€40K – €60K
Personal civil liability coverage is available only in the Zurich viaje Estándar tier, and only for the Europa zone (€40,000) and Resto del Mundo zone (€60,000). A deductible (franquicia) of €300 applies. Not included in Estudiantes or Séniors tiers, and not available for Spain zone. An advance on judicial bail (anticipo de fianza judicial) of €1,800 is also available in Europa and Resto del Mundo zones under Estándar tier.
Legal assistance and judicial bail advance
€1.8K
Legal advisory assistance (asesoramiento jurídico-legal en viaje) is included across all zones for all three tiers. An advance on judicial bail (anticipo de fianza judicial en el extranjero) of up to €1,800 is available only under the Estándar tier for Europa and Resto del Mundo zones.
24/7 travel assistance
unlimited
24/7 telephone assistance is included across all tiers and zones. Includes emotional support telephone service (up to 8h Spain, 10h Europe, 12h Rest of World), urgent message transmission, interpreter service (€300 in Europe and Rest of World zones), and medicine dispatch. Assistance telephone from Spain: 91 327 72 62; from abroad: +34 91 327 72 62.
Key conditions
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.
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.
Direct payment
The insurer organizes and pays for medical transport and repatriation directly. Medical expense reimbursement requires prior authorization; unauthorized treatment may result in reimbursement only up to policy limits.
Territorial scope
Worldwide coverage split into three zones: Spain, Europe, and Rest of World. Durations from 3 to 90 days.
Documents
Policy specifics
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.
SourceSource no longer reachablePersonal 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.
SourceSource no longer reachablePersonal 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).
SourceSource no longer reachableHotel 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.
SourceSource no longer reachableTrip duration limit
The policy covers trips of 3 to 90 days. Coverage does not apply to stays exceeding 90 days outside Spanish territory.
SourceSource no longer reachableTrip 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.
SourceSource no longer reachableSources
- esim.holafly.comhttps://esim.holafly.com/insurance/zurich-travel-insurance-reviews/(opens in a new tab)
- danamon.co.idhttps://www.danamon.co.id/-/media/ALL-CONTENT-PERSONAL-BANKING/Asuransi/Zurich-Travel-Insurance/v2/General-Product-Summary-of-ZTI-for-Danamon-EN.pdf#page=4(opens in a new tab)
- zurich.eshttps://www.zurich.es/notas-prensa/zurich-seguros-ante-el-covid-19-facilidades-de-pago-refuerzo-de-video-peritacion-y-cobertura-de-epidemia-en-vida-riesgo(opens in a new tab)
Zurich Travel insurance