TAKING OUT TRAVEL INSURANCE

WHAT'S THE BEST TRAVEL INSURANCE FOR ME?

What IATI travel insurance do I need if I'm going on holiday abroad?

Depending on the type of trip and the coverage you need for your destination, you can take out an IATI Basic, IATI Standard, IATI Star/Premium, IATI Backpacker or IATI Family policy.

The main difference between the first three is medical expense coverage, which is €15,000 in the first, €40,000 in the second and €100,000/200.000€ in the third.

IATI BACKPACKER is insurance for adventurous travellers with medical expense coverage of €60,000.

IATI FAMILY is insurance for traveller families with medical expense coverage of €40,000.

To travel to destinations such as the United States, Canada, Australia or New Zealand, and in general Southeast Asian countries, where health is particularly expensive, we recommend our Star / Premium IATI product.

What travel insurance should I take out to study abroad?

If you have decided to continue or return to your studies abroad, you can purchase the IATI Students Star (which fulfils the highest requirements of American universities).

The medical expenses coverage of this policy is € 100,000.

I need medical assistance and cancellation insurance. What are my options?

You can take out the IATI Standard, IATI Star/Premium, IATI Backpacker or IATI Family policy depending on the coverage you need, WITH cancellation.

I'm going to do adventure activities during my trip. What IATI travel insurance should I take out?

When you are filling out the policy form, tick the Adventure/Winter sports box, in the Trip details section.

The policies that provide this coverage are IATI Star/Premium, IATI Backpacker and IATI Students Star.

I'm going to go on a cruise during my trip. What IATI travel insurance should I take out?

When you are filling out the form, tick the box Cruises , in the Trip details section.

The policies that provide this coverage are IATI Basic, IATI Standard and IATI Star/Premium.

What policy should I take out if I am not a Spanish national and I need to renew my visa while in Spain?

If this is your case we suppose you have already started your trip, so your options are IATI Star or IATI Backpacker.

What insurance policy do I need to travel in the Schengen area?

All of our products except IATI BASIC cover the entire Schengen area.

What insurance policy do I need if I am going diving?

Iati Backpacker and Iati Star/Premium (with a supplement) cover diving and underwater activities of no more than 20 metres depth.

What insurance policy do I need if I am going trekking?

Iati Backpacker and Iati Star/Premium cover a maximum of 3,000m altitude.

Iati Star with the “Adventure Sports” supplement cover a maximum of 5,000m altitude.

CANCELLATION INSURANCE / COVER

What is cancellation insurance for?

Cancellation insurance gives you reimbursement up to the limit you purchase for any expenses you incur and cannot directly recover from the travel supplier (such as flights, hotels), provided that you cancel the trip before it begins and for a reason covered by the policy.

Does cancellation cover include the cost of the travel insurance?

No, the cost of the insurance is not refundable. Cancellation covers only money paid to a ‘travel supplier’, such as flights, hotels and so on.

Does the cancellation cover any reason for cancelling my trip?

No, each policy sets out the specific reasons for cancellation that it covers and that you can claim compensation for when you cannot be reimbursed by the travel supplier. The reasons accepted for cancelling a trip are set out in the full policy document for each travel insurance that provides cancellation cover – IATI Standard, IATI StarIATI Backpacker, IATI Family, IATI Students Star  and  IATI Cancellation.

What are my options if I want cancellation cover for my trip?

If you only want cancellation cover, you can take out the IATI Cancellation policy, which covers you for up to €6,000.

If you want a comprehensive policy with medical assistance and cancellation, you can take out IATI Standard (up to €1,500 cancellation costs), IATI Star (up to €2,000 – Premium €5,000), IATI Backpacker (up to €2,000), IATI Family (up to €1,500), or IATI Students Star, depending on the coverage you need, with cancellation cover.

If you only want cancellation cover, you can take out the IATI Cancellation which covers you for up to €6,000 per traveler.

When do I have to purchase cancellation insurance or insurance that includes medical assistance and cancellation?

IATI Cancellation: the same day you buy your airline tickets or travel package, or any time until the day before the trip, in which case there is a deferment period of 7 days.

IATI Standard, IATI Star/Premium, IATI Family and IATI Students Star with cancellation: to be covered for cancellation, you must purchase your insurance on the same day you buy your airline tickets or travel package, or within 7 days.

When does cancellation cover start?

The cancellation cover starts as soon as you purchase the policy, regardless of whether the policy conditions include a deferment period of 7 days. Therefore, NO changes can be made to policies that include cancellation cover.

CONDITIONS OF THE POLICY

Is there excess on IATI travel insurance policies?

No, there is no excess with IATI.

Is there an age limit on IATI travel insurance?

Our only policy with an age limit is the  IATI Backpacker, which is not available to anyone over 70 years old.

Does IATI travel insurance cover chronic or pre-existing conditions?

Under IATI Star and IATI Backpacker you are only covered for initial emergency medical assistance for 24 hours.

Does IATI travel insurance cover any type of luggage theft?

You are covered for luggage theft when intimidating means are used and provided you submit the corresponding police report. You are NOT covered if your luggage is not attended and you do not realise it is being stolen.

If I have an accident while travelling in a motor vehicle, does the travel insurance cover me?

Yes, the insurance covers you and the medical assistance you require up to the limit purchased. You are not covered for damage to the vehicle or damage that the vehicle causes to others.

Does IATI travel insurance cover pregnancy?

No, expenses arising from pregnancy or childbirth are excluded.

All our products cover only during the first 24 weeks of pregnancy a first emergency healthcare during the first 24 hours.

In the event of accident or death, does IATI travel insurance cover repatriation costs?

Yes, repatriation coverage is unlimited in all of our policies.

Is the medical expense cover limit in my policy the maximum amount I will be covered for during the entire trip?

Yes, our travel assistance policies have limited and closed coverage that cannot be modified on demand.

Can I modify or cancel my travel insurance once hired?

The travel assistance + cancellation policies are NOT modifiable or refundable.

Travel assistance policies WITHOUT cancellation, can be modified / canceled maximum 72 hrs. before the departure of the trip.  It entails a surcharge of 10% of the paid price (minimum of € 15 and a maximum of € 50).

Can I upgrade or extend my IATI travel insurance?

You can contract a new policy IATI Star, IATI Backpacker with the same start date as the expiration of your current policy.

Do additional travellers have the same coverage as the main policyholder?

Yes, the coverage of our travel assistance policies are the same for all travellers included therein.

If I am not Spanish, can I take out an IATI insurance policy?

Yes, you can take out any of our insurance products.

If neither the starting point or destination of the trip is in Spain, you can take out insurance for trips of no more than 120 days.

What insurance covers an extension of stay due to natural catastrophe?

The Iati Star/Premium insurance covers hotel expenses as a result of a natural disaster.

HOW THE WEBSITE WORKS

Where can I find the full details of every IATI travel insurance policy?

There is a fact sheet for every policy containing the following information in the Travel Insurance section: description of the insurance, summary of coverage, details of cancellation cover (if applicable), and the full wording of the policy.

Can I find out the price of my IATI travel insurance online?

Fill in the form which is on the home page and the travel page of the product you are interested in and click on “Calculate quote”

How I can get a written IATI travel insurance quote?

  1. Fill in the form which is on the home page and the travel page of the product you are interested in and click on “Calculate quote”
  2. Select the product and click “Continue”
  3. Fill in your personal details and click “Continue”
  4. Click “Get quote”

How I can get a written IATI travel insurance quote?

  1. Fill in the form which is on the home page and the travel page of the product you are interested in and click on “Calculate quote”.
  2. Select the product and click “Continue”
  3. Fill in your personal details and click “Continue”
  4. Select your preferred payment method, check the box I have read and accept the terms of the contract and Information on Compliance Law 26/2006 and click on Purchase Policy

How will I receive the policy when I have purchased it?

When you complete the purchasing process online, you will be sent the policy and the general conditions of the insurance contract to the email address you have provided.

How I can pay for my IATI travel insurance?

You can pay for your travel insurance online by::

  • Card (Mastercard and Visa)
  • Paypal
  • Bank transfer (the policy will not be effective until we receive the amount or proof of the transfer)

Can I pay for my IATI travel insurance in installments?

No, the full amount must be paid in one payment.

CLARIFICATION OF THE PURCHASING PROCESS FOR YOUR ONLINE TRAVEL INSURANCE

IATI travel insurance is recommended by the OCU (Spanish Consumer and User Organisation). How do I purchase it if I am a member?

You can purchase your insurance online and also from the OCU official websitewww.ocu.org. Go to the  Consumo y familia section and select Viajes y vacaciones. There, click on  Ventajas: Seguro de asistencia en viaje  and on the side menu go to Infórmate y contrata.

What is my 'place of residence'?

State your permanent place of residence, the place where we should take you in the case of repatriation.

I am travelling to several countries. What should I put under Travel Destination?

  • You can put EUROPE if all the countries you are going to are in Europe or they are all included in the list of Countries with European coverage.
  • You must put WORLD if any one of the countries is not in Europe or is not included in the list of Countries with European coverage.

What does the Flight Issue Date refer to?

The date you purchase your airline tickets or travel package.

How long before the trip should I purchase my IATI travel insurance?

If your IATI travel insurance is  without cancellation, you can purchase it up to the day before the policy start date.

However, all of our travel insurance policies with cancellation cover –  IATI StandardIATI StarIATI Backpacker and IATA Students Star, as well as IATI Cancellation – have specific restrictions on the purchase date. You can find out the period in the product page of each of these policies or in the drop-down “cancellation cover” in this section.

Can I purchase IATI travel insurance if my trip has already started and/or I am at my destination?

Yes, you can take out the IATI Star and  IATI Backpacker, and you will be covered for anything that happens to you as of the policy start date.
No pre-existing conditions will be covered.

Can I upgrade or extend my IATI travel insurance?

You can take out a new  IATI Star or IATI Backpacker policy starting on the end date of the current policy.
In this case, any event that occurred during the first policy would cease to be covered at the beginning of the second, because it would be a pre-existing condition under the second policy.

I am travelling with another person. Should we purchase a policy that covers us both or individual policies?

You should both be included in the same policy because you will be mutually covered in the event one of the insured persons requires assistance.

Is it cheaper to have several people included in the same policy?

No, the price per person insured is the same.

Is the policy available in English?

No, but we can provide you with a certificate of your policy with the summary coverage in English.

Should infants/children be insured in the policy?

Children should be insured just like adults.

MAKING A CLAIM

How do I make a claim under the policy?

If you need to use any of the services that you are covered for under your policy, call our 24-hour Helpdesk, give your name and policy number and we will tell you how to proceed.

What is the 24-hour Helpdesk number?

If your policy is IATI Basic, IATI Standard, IATI Family, IATI Star, IATI Students Star, call (0034) 93 485 77 35.

Do the 24-hour Helpdesk operators speak English?

Yes, our 24-hour Helpdesk is in Spain but they also speak English.

What should I do if I need medical assistance?

If you require medical assistance, call our 24-hour Helpdesk and give your name and policy number. Our operators will tell you what you need to do according to your circumstances.
If it is an emergency and you are already being assisted, call as soon as possible and we will tell you what to do next.

Can I call the 24 hrs Helpline reverse charges

If the country you are in allows for reverse charges calls, we will accept the call.

If not, you can request reimbursement for the cost of calls made, providing proper proof and justification.

Do I have to pay medical charges up front?

If you call our 24-hour Helpdesk to receive medical assistance, you won’t have to pay any medical charges up front. We will take care of everything.
If it is an emergency and you are already being assisted, you will still be covered but you will have to pay any charges and be reimbursed up to the limit of your coverage, when you submit the invoices. In any event, you should still call us as soon as possible and we will tell you what to do next.

Do you have a list of medical centres I can go to?

No, procedures are handled directly with the hospital or medical centre when assistance is required.