So that a problem three thousand kilometres away does not become a money problem too.
Departures
Local time
A medical emergency abroad has to be paid for upfront and in the local currency. Travel insurance advances the costs, finds the right facility and arranges repatriation if needed. It also covers the everyday mishaps: luggage that does not arrive and flights that are cancelled.
Warning
It only gives access to public healthcare in the countries of the European Union, the European Economic Area and Switzerland, on the same terms as their own insured residents. It does not cover repatriation or private healthcare.
Warning
It usually has low limits and requires the trip to be paid for with the card. It is worth reading the small print.
Warning
Many policies require it to be taken out at the time of booking or a few days afterwards.
Warning
A private hospital stay or a repatriation within Europe can cost thousands of euros.
How the policy responds
The insurer finds the hospital, pays the facility directly and arranges the return journey.
How the policy responds
Compensation for the delay to buy essentials and, if it is lost, compensation for the contents.
How the policy responds
If cancellation cover for that reason has been taken out, reimbursement of non-refundable costs.
Medical and hospital care abroad
Medical, surgical and hospital expenses abroad up to the agreed limit, paid directly to the facility.
Medical repatriation and repatriation of travel companions
Medical transfer to Spain and return of insured travel companions.
Lost, stolen or delayed luggage
Loss, theft of or damage to checked luggage, and expenses caused by delayed delivery.
Trip cancellation for a covered reason
Reimbursement of non-refundable costs if you cannot travel for a covered reason.
Personal liability abroad
Damage you cause to third parties during the trip.
Bail advance and legal assistance
Advance of court bail and legal assistance in the destination country.
A quick checklist to keep to hand while you travel.
In the European Union, the European Economic Area and Switzerland, it gives access to necessary public healthcare on the same terms as that country's insured residents, but it does not cover repatriation, private healthcare or luggage. It is not valid outside those countries.
If you travel more than twice a year, it almost always works out better than buying cover trip by trip. We will compare the figures for you.
Policies with cancellation cover include a closed list of reasons. We go through it with you before you buy, because that is where the surprises lie.
Before you book, ask us about cancellation cover.
We will open a chat with an adviser. We reply during office hours: Monday to Thursday 9.00-14.00 and 15.00-18.00, Friday 9.00-14.00.
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We will call you then. If it no longer suits you, let us know on +34 93 363 07 70 and we will move it.
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