IATI BACKPACKER

For the adventure of discovering the world by yourself

ADVENTURE SPORTS INCLUDED

MEDICAL EXPENSES €100,000

WITH OPTIONAL CANCELLATION



IATI BACKPACKER

Optional cancellation

This policy is specially designed for backpackers who are setting off to see the world without knowing exactly which countries they will visit or how long the trip and who may take some risk. It combines high medical coverage of €100,000 with our classic cover and other specific upgrades such as adventure sport, search and rescue, and computer equipment in your luggage. You can also take out a new policy when you arrive if you decide to extend your trip.

Our backpacker travel insurance includes cancellation cover of up to €2,000 if you are unable to go on your trip for one of the reasons set out in the policy. For cancellation cover, you must take out this insurance policy at the same time or within the following 7 days of booking the trip to which the policy applies.

THIS POLICY IS AVAILABLE ONLY TO TRAVEL FROM OR TO SPAIN. NOT VALID FOR THOSE OVER 70 YEARS.

COVERAGE SUMMARY

MEDICAL ASSISTANCE

MEDICAL ASSISTANCE ABROAD | €100.000

We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip.

DENTAL EXPENSES | €150

We cover the costs of emergency treatment as a result of acute dental problems such as infections, pain, trauma or following an accident.

PERSONAL INJURY IN MOTOR VEHICLE ACCIDENTS | INCLUDED

We cover hospital and medical expenses if you have an accident in a motor vehicle.

TRAVEL/ACCOMMODATION OF A RELATIVE | 100%

If you have to stay in hospital for more than 5 days, we will cover the travel costs and pay up to €60/day for 10 days for a relative to stay with you.

CONVALESCENCE IN A HOTEL | €600

If doctors say you are unable to return home immediately, will we cover the costs of convalescing at a hotel with up to €60/day for 10 days.

SENDING MEDICATION ABROAD | INCLUDED

If you need specific medication and you cannot find it abroad, we will send it to you as soon as possible and you can repay us when you get back.

REPATRIATION

REPATRIATION OR TRANSPORT OF INJURED PERSONS OR REMAINS | 100%

If you have a serious illness or accident, we will cover the cost of emergency transport to the nearest medical centre or the place that provides the most appropriate treatment, and even your transport home if deemed necessary or in the event of your death.

REPATRIATION OR TRANSPORT OF OTHER INSURED PERSONS | 100%

If you need to be repatriated as a result of illness or death, we will also repatriate your travel companion.

EARLY RETURN HOME DUE TO HOSPITALISATION OR DEATH OF A RELATIVE | 100%

If your spouse or a first- or second-degree relative dies or is admitted to hospital, we will repatriate you and your travel companion.

EARLY RETURN DUE TO A SERIOUS INCIDENT AT THE HOME/BUSINESS PREMISES OF THE INSURED | 100%

If a serious incident occurs at your home or business premises that requires your presence, we will repatriate you and your travel companion.

EARLY RETURN DUE TO NATURAL PHENOMENA | 100%

If you have to cut short your trip because of a natural disaster or an unusual natural phenomenon which means you are unable to complete the trip you originally scheduled, we will cover return travel to your usual place of residence in Spain. We also will cover a second travel ticket for your travel companion, providing s/he is also insured under this policy.

ADVENTURE

ADVENTURE SPORTS | INCLUDED

The adventure sports that this policy covers are split into the following three groups:

GROUP A: Athletics, gymnasium activities, cycling tours, curling, hiking, running, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, rambling, snorkelling, trekking below 2,000 metres altitude, and any other of a similar nature.

GROUP B: Mountain biking, shooting sports / small game hunting, cross country skiing, jet skiing, snowmobiling, sailing, paintball, ice skating, canoeing, monkey bridge, climbing wall, 4×4 jeeps, survival, surfing and windsurfing, ziplines, trekking between 2,000 and 3,000 metres altitude, sledging at ski resorts, mushing, horse ride tours, and any other of a similar nature.

Whitewater, airsolf, canyoning, diving and underwater activities at a maximum depth of 20 metres, bouldering at a maximum height of 8 metres, horse riding, sports climbing, fencing, caving at a maximum depth of 150 metres, water skiing, fly surfing, hydroBOB, hydrospeeding, kite surfing, canoeing, deep-water soloing at a maximum height of 8 metres, quad biking, rafting, abseiling, bungee jumping and other of a similar nature.

SEARCH AND RESCUE | €15.000

If you are exposed to a risk, aggravated by a difficulty, that results in search, rescue, transportation or repatriation expenses by civil or military means or by rescue services, we will reimburse the costs.

BAGGAGE AND DOCUMENTS

DELIVERY OF BELONGINGS THAT ARE FORGOTTEN | 100%

We will send any essential basic items or medication that you forget to take with you when you set off on your trip.

THEFT AND DAMAGE OF LUGGAGE | €1.500

We will cover the cost of baggage stolen using violent or intimidating means, on presentation of the written police report, as well as baggage lost or damaged on public transport, on presentation of the claim made to the carrier. Valuables (jewellery, watches, computer or photographic equipment, etc.) are covered at up to 50% of the policy limit.

LOCATING AND SENDING LOST LUGGAGE | INCLUDED

If the carrier of a scheduled flight loses your luggage, we will help you find it and get it to you.

DEMORAS

DELAYED DEPARTURE | €270

If your departure is delayed for more than 6 hours, we will pay you €90 for every full 6 hour period to cover part of your expenses, on presentation of receipts.

DELAY IN DELIVERY OF CHECKED LUGGAGE | €300

If the carrier takes over 24 hours to deliver your luggage, we will reimburse the costs of any basic items you have to buy, on presentation of the receipts.

DEPARTURE CANCELLATION DUE TO STRIKE | €90

If the departure of your chosen public transport means is cancelled due to a strike or civil unrest, we will reimburse any extra costs incurred to return home.

MISSED CONNECTION DUE TO TRANSPORT DELAY | €90

If the public transport you are using is delayed due to a technical failure, strike, bad weather or natural disaster, or intervention by the authorities or others by force, which means you are unable to catch the next public transport for which you already have a ticket, we will reimburse the expenses you incur while waiting.

TRIP EXTENDED | €500

If you are stuck somewhere during your trip due to bad weather, natural disaster, unusual natural phenomenon, intervention by the authorities, war, terrorism, popular movements, strikes or social unrest, we will cover the expenses incurred as a result. If you are still unable to continue travelling at the policy end date, all of your coverage will be extended for a further five days.

EMERGENCY ASSISTANCE

SENDING URGENT MESSAGES | INCLUDED

If you need to send a message to your family as a result of a claim that we are covering you for but you are unable to, we will send it for you.

LEGAL COVER

PERSONAL CIVIL LIABILITY | €60.000

We will pay any claims brought against you if you are liable for any injuries or damage involuntarily caused to third parties.

ACCIDENTES

DISABILITY GUARANTEE | €6.000

We will indemnify you in the event of permanent, total or partial disability as a result of an accident during your trip.

DEATH | €6.000

We will also pay indemnification in the event of death as a result of an accident during your trip.

OPTIONAL

CANCELLATION COSTS | €2.000

We will reimburse any expenses that you can not recover directly from the travel supplier (e.g. flights, hotels) as a result of cancelling your trip, provided that you cancel before the trip starts and for one of the reasons set out in the policy. Read the cancellation reasons in the pdf.

CANCELLATION CONVERAGE

Please download the pdf document for the full conditions and details of the cancellation coverage.

TERMS AND CONDITIONS

Please download the pdf documents for the full policy conditions

HAVE ANY QUERIES?

If you have any questions, you can either take a look at the FAQ, section or just get in touch with us..

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