IATI STAR

IATI STAR PREMIUM

Our most comprehensive travel insurance

WITH THE HIGHEST LIMITS

UNTIL €200,000 MEDICAL EXPENSES

WITH OPTIONAL ADVENTURE/WINTER SPORTS, CRUISE SHIPS, AND CANCELLATION

IATI STAR

Optional cancellation

With one of the highest medical expense coverage in Spain of €100,000 for worldwide destinations, this policy is specially designed for travel to countries with high medical costs, such as the US, Canada, Japan and South-East Asia.

Our travel insurance with optional cancellation, IATI Star, also includes the option to cover winter/adventure sports and cruise ships, as well as cancellation coverage of up to €2,000 if you are unable to go on the trip for one of the reasons listed. 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.

Our IATI Star policy covers a wide range of adventure sports – check out which ones. For just a little extra we can even cover you when you go skiing, diving up to 20 metres depth or trekking up to 5,000 metres altitude.

IATI STAR Premium

Optional cancellation

For travellers who want a limit on medical expenses, luggage or cancellation, we’ve created a Premium version of our classic IATI Star. It’s exactly the same as the classic but gives coverage of €200,000 for medical expenses, €2,500 for luggage and €5,000 for cancellation.

You can also take out this policy after your trip has started.

COVERAGE SUMMARY

MEDICAL ASSISTANCE

MEDICAL ASSISTANCE ABROAD | €100.000    Premium €200.000

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 | €900

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 2 days, we will cover the travel costs and pay up to €100/day for 10 days for a relative to stay with you.

CONVALESCENCE IN A HOTEL | €1.000

If doctors say you are unable to return home immediately, will we cover the costs of convalescing at a hotel with up to €100/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 | €1.000

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

ADVENTURE

ADVENTURE SPORTS INCLUDED | €100.000

Athletics, activities in a gym, activities on horseback (amateur bullfighting, etc.), basketball, motor-powered boats (with skipper), bicycle excursions, canoing, curling, shooting ranges / small game hunting, organised excursions in balloons, walking in general, jogging, football, golf, pedal boats, ball games, games and other activities on beaches and in camp sites, go karting, kayaking, jet skis, snowmobiles, swimming, sailing, orienteering, standup paddleboarding, padel, paintball, helicopter tours, skating, fishing, canoeing, Tibetan bridge, snow racquets, climbing walls, 4-wheel drive trails, Segway, hiking, snorkling, surfboarding and windsurfing, tennis, zip wires, trekking below 3,000 metres altitude, sledging in ski resorts, sledging with dogs (mushing), equestrian tourism, and any other activity of a similar nature.

EXTENSION FOR ADVENTURE SPORTS | €25.000

White water rafting, airsolf, canyoning, diving and underwater activities at depths less than 20 metres, rock climbing up to a height of 8 metres, horse riding, climbing, fencing, caving at depths no greater than 150 metres, waterskiing, flysurfing, hydro bob, hydrospeeding, kitesurfing, cycle tours, mountain crossings by bicycle, deep water soloing up to a height of 8 metres, quads, rafting, rapelling, bungee jumping, survival sport, trekking up to an altitude of 5,000 metres, and any other activity of a similar nature.

BAGGAGE AND DOCUMENTS

THEFT AND DAMAGE OF LUGGAGE | €1.500    Premium €2.500

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 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 | €120

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 | €300

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 | €300

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.

ADMINISTRATIVE COSTS FOR LOSS OF TRAVEL DOCUMENTS | €120

If any of your documents, transport tickets or credit cards are lost or stolen, we will reimburse you for the cost of replacing them for up to €120, on presentation of the relevant supporting documents.

MISSED TRANSPORT DUE TO ACCIDENT EN ROUTE | €150

If you miss your flight or the public transport you were going to use to start your trip due to an accident on the way to the airport or your point of departure, we will reimburse subsistence costs until you can depart up to a limit of €150 and on presentation of the relevant receipts.

MISSED CONNECTION | €150

If you miss your flight or other public transport that you have already paid for because the previous one is delayed for more than 4 hours, we will reimburse the cost of alternative transport or subsistence costs during your wait up to a limit of €150 and on presentation of the relevant receipts.

CHANGE OF AIRLINE SERVICES AFTER YOU HAVE BOUGHT TICKETS | €150

In the event of a last-minute cancellation we will reimburse your subsistence costs until you can depart on alternative transport with €50 for every 6 hours of delay up to a limit of €150 and on presentation of the relevant supporting documents.

EMERGENCY ASSISTANCE

CASH ADVANCE | €1.500

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

LEGAL INFORMATION ABROAD | INCLUDED

If you have a personal legal problem in any country that has diplomatic relations with Spain, we will put you in touch with a lawyer so that you can make an appointment to get legal advice.

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 | €3.000

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 | €3.000

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 | €3.000

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 | €60.000

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

ACCIDENTS

DISABILITY GUARANTEE | €18.000

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

DEATH | €4.000

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

OPTIONAL

CANCELLATION COSTS | €2.000    Premium €5.000

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.

EXTENSION FOR CRUISE SHIPS

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

ADVENTURE/WINTER SPORTS (optional)

Please download the pdf document for a list of the sports activities included in this policy under the adventure/winter sport upgrade.

CANCELLATION COVERAGE

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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