IATI STUDENTS STAR
For programmes in countries such as the US, Canada and Japan
IDEAL FOR ANNUAL, POSTGRADUATE AND PhD COURSES ABROAD
€100,000 MEDICAL EXPENSES
WITH OPTIONAL ADVENTURE/WINTER SPORTS, CRUISE SHIPS, AND CANCELLATION
IATI STUDENTS STAR
This study travel insurance is aimed at students going to study abroad for a full academic year, to learn a language, or to do a Master’s degree. With high coverage of up to €100,000 for medical expenses, it is recommended for students travelling to countries with high medical costs such as the US, Canada or Japan.
It includes cancellation cover of €2,000 in the event the student is unable to travel, to recover any costs that have already been paid. 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.
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 | €350
We cover the costs of emergency treatment as a result of acute dental problems such as infections, pain, trauma or following an accident.
CHRONIC, PRE-EXISTING OR CONGENITAL CONDITIONS – LIFE-THREATENING EMERGENCIES | INCLUDED
In the event of a life-threatening emergency due to an unpredictable complication of a chronic, pre-existing or congenital condition, we will cover the costs of emergency primary healthcare within the first 24 hours as of admission to hospital.
PERSONAL INJURY IN MOTOR VEHICLE ACCIDENTS | INCLUDED
We cover hospital and medical expenses if you have an accident in a motor vehicle.
TRAVEL 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. We will also cover travel for a relative in the event of death.
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 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.
SPECIAL COVER FOR STUDENTS
MISSED CLASSES | €600
If you are in hospital for 5 days or more, we will pay you €24/day in compensation for the classes you miss, up to a maximum of €600.
TRAVEL COMPENSATION | 100%
If you are repatriated as a result of an illness or accident with at least 25% of the duration of your course remaining, we will pay for a return ticket back to the course location when you are better.
BAGGAGE AND DOCUMENTS
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. Laptops, tablets, hard disks and 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.
LOCATING AND SENDING LOST LUGGAGE | €120
If you leave something behind or an item stolen from you during the trip is recovered, we will send it to your home.
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.
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.
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.
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 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 liable for any injuries or damage involuntarily caused to third parties.
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.
CANCELLATION COSTS | €2.000
We will reimburse any expenses that you can not recover directly from the travel provider (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.
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.
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
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