IATI FAMILY

Máxima protección para los niños

EXCLUSIVE FOR FAMILIES WITH MINOR CHILDREN

€40,000 IN MEDICAL EXPENSES AND ALL THE EXTRAS FOR CHILDREN

VERY GOOD PRICE AND OPTIONAL CANCELLATION

IATI FAMILY

Optional cancellation

Our family travel insurance, IATI Family, is specially designed for the peace of mind of families travelling with children. It combines our classic and medical coverage of €40,000 with other specific cover to protect children such as paediatric helplines, immediate emergency assistance for children and repatriation escorted by a relative at 24h if something happens to one of the parents, high baggage cover, and particularly high civil liability insurance for children.

THIS POLICY IS AVAILABLE ONLY TO MEMBERS OF THE SAME FAMILY UNIT WHO ARE PARENTS AND CHILDREN (2 GENERATIONS) WHO LIVE TOGETHER IN THE SAME HOUSEHOLD, AND AT LEAST ONE OF THE PERSONS INSURED IS A MINOR CHILD.

This policy offers optional cancellation cover of up to €1,500, provided that you take it out at the same time or within the following 7 days of booking the trip to which the policy applies.

COVERAGE SUMMARY

MEDICAL ASSISTANCE

MEDICAL ASSISTANCE ABROAD | €40.000

 

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

MEDICAL ASSISTANCE FOR PERMANENT RESIDENTS IN SPAIN TRAVELLING WITHIN SPAIN | €2.500

 

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

DENTAL EXPENSES | €100

 

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 €75/day for 10 days for a relative to stay with you.

CONVALESCENCE IN A HOTEL | €750

 

If doctors say you are unable to return home immediately, will we cover the costs of convalescing at a hotel with up to €75/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 | €500

 

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

SPECIAL COVER FOR CHILDREN

PAEDIATRIC HELPLINES | INCLUDED

 

We cover any paediatric helpline calls that you might need to make to get medical advice about your minor children.

IMMEDIATE CHILDCARE IF A PARENT IS HOSPITALISED | INCLUDED

 

If you (the child’s father or mother) is admitted to hospital for over 24 hours, we will arrange and cover the cost of childcare for your children under 18 until a relative arrives.

REPATRIATION OF MINORS ESCORTED BY A RELATIVE | INCLUDED

 

If you have to stay in hospital for more than 24 hours, we will pay for a return ticket for a relative to escort your minor or disabled children.

CIVIL LIABILITY – CHILDREN | €70.000

 

We will pay any claims brought against you as the legal guardian of minors insured who are liable for any injuries or damage they involuntarily cause to third parties.

BAGGAGE AND DOCUMENTS

THEFT AND DAMAGE OF LUGGAGE | €1.000

 

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 are covered at up to 50% of the policy limit, with some exclusions that are not covered.

We will not cover theft of unattended belongings, such as theft that takes place in a restaurant or airport without you realising.

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.

DELIVERY OF BELONGINGS THAT ARE FORGOTTEN OR STOLEN DURING THE TRIP | €60

 

If you leave something behind or an item stolen from you during the trip is recovered, we will send it to your home.

DELAYS

DELAYED DEPARTURE | €180

 

If your departure is delayed for more than 6 hours, we will pay you €50 for every full 6 hour period to cover part of your expenses, on presentation of receipts.

Delays caused by strikes or civil unrest are not covered.

DELAYED DELIVERY OF CHECKED BAGGAGE | €120

 

If the carrier takes over 12 hours to deliver your luggage, we will reimburse the costs of any basic items you have to buy, on presentation of the receipts.

EMERGENCY ASSISTANCE

CASH ADVANCE | €1.000

 

If for some reason you can’t access your money we will advance it on presentation of a guarantee and you’ll have 30 days to pay us back.

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

DEFENCE FOR CRIMINAL LIABILITY ABROAD | €3.000

 

We will defend your criminal liability in proceedings brought in foreign courts for events that occur in your private life as a result of your trip.

DAMAGE CLAIMS ABROAD | €2.000

 

We will claim compensation for any damages you may sustain as a pedestrian or passenger on any means of transport.

CLAIMS IN PURCHASE CONTRACTS ABROAD | €2.000

 

We will claim compensation for breach of any purchase contracts you have for decorative and personal items or household appliances.

CLAIMS IN SERVICE CONTRACTS ABROAD | €2.000

 

We will claim compensation for breach of contract for medical and hospital, travel, tourism and hospitality, and cleaning, laundry and dry cleaning services.

PERSONAL CIVIL LIABILITY | €50.000

 

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

ACCIDENTS

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 | €2.000

 

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

OPTIONAL

CANCELLATION COSTS | €1.500

 

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.

EXTENSION FOR CRUISE SHIPS

 

Optionally, we will also cover you on board a cruise ship.

CANCELLATION COVER

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

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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