Why Travel Insurance?
Our tailor-made travel insurance offers the client maximum coverage anywhere in the world and always with the best professionals for both short and long term trips.
As specialists in travel insurance we have a unique assistance oriented to the particular needs of each of our clients, backed by our 20 years of experience in the sector.
We offer the highest quality service with the best travel assistance anywhere in the world and in any situation,helping our clients in the processing of the claim.
Advantages and coverages
Why should we take out travel insurance? In which cases? Below we detail some of the most important coverages in Travel Insurance along with an explanation of what it covers and why we should take it out.
Medical Assistance
This is probably the main reason why we take out travel insurance. Choose an insurance that covers medical, surgical and pharmaceutical expenses and with limits appropriate to your destination. The cost of medicine in the USA or some Asian countries is much higher than in Europe.
Repatriation
In case repatriation is necessary due to a serious health problem or death, make sure that your policy does not have economic limits for this coverage. Also check that it allows repatriation accompanied by a family member at no additional cost. This coverage guarantees the receipt of compensation in case of death or disability resulting from an accident during your trip. Rescue expenses are also covered up to the limit contemplated in your insurance policy.
Early return
Take out an insurance policy that includes this coverage as situations may arise during your trip that force you to return home (hospitalization due to an accident or serious illness of a family member or death of a family member or serious loss at home). It is important that you check the degree of kinship included in your insurance.
Theft and damage to baggage
Theft and damage to luggage are the most common types of insurance coverage for this type of insurance. Take out an insurance policy that covers luggage and documentation, as this is a major problem when we are away from our usual place of residence.
Incidents of transport and delay in the delivery of luggage
Sometimes our trip suffers delays in its departure, which can force us to face extra expenses, to miss a connection... We may also find upon arrival at our destination that our luggage has been lost during the trip.
Cancellation and cancellation fees
If you have to cancel your trip before starting it or interrupt it once it has begun, you are likely to suffer a significant financial loss. Check that your insurance will compensate you if any of these contingencies occur and what is its economic limit. It is very important that you check which causes are covered.
Civil Liability and Legal Protection
No one is exempt from suffering an accident or having an incident in which a third party is harmed. The Civil Liability guarantee will offer us a capital with which the insurer will respond in case we are declared responsible for the damage. . In addition, it will be the Company itself who will take care of the whole process.
Modalities
There are numerous travel insurance options. The important thing, as always, is to find the one that fits what you really need. The destination, the reason for the trip, the length of stay and the coverage are factors to be determined in order to get the best product at the best price. As the casuistry is immense, let's talk and specify the ideal option, what do you think?
Coverage
Medical Assistance
Thanks to this guarantee, the expenses derived from illness or accident that you suffer during the trip and up to the limit that you have contracted in your policy are covered. We will cover the costs of a medical consultation, hospitalization, surgery, medication and even emergency dental expenses... We will even cover, up to the contracted limit, unforeseen expenses due to the extension of your stay in a hotel if you are unable to return on the initially planned date.
You will also have at your disposal the best international medical assistance network anywhere in the world. Our team is available 24 hours a day, 365 days a year to assist you if you suffer any health problem during your trip.
Repatriation
We take care of all repatriation expenses for the injured, sick and deceased on an unlimited basis. This means that we organize your return home and provide you with adapted medical transportation if necessary.
In the event of repatriation due to illness, accident or death, the repatriation expenses of your companion and children traveling with you are also covered, provided that they cannot return by the means initially planned.
Early return
In the event that you have to interrupt your trip due to the death, hospitalization or serious illness of a family member or a serious accident at your habitual residence or professional office, we will take care of your transportation to Spain.
Some of our policies will subsequently take care of your return to the place where you were at the time of the event.
Theft and damage to baggage
In the event of theft of your luggage, we guarantee compensation for the loss of your materials and personal belongings up to the limit you have chosen. We will also help you to claim your luggage and locate it.
We will also cover the justified expenses, up to the established limit, for obtaining the necessary documents for your trip (passport, visa, credit cards, etc.).
In case of loss of your luggage we will collaborate in its search and location and we will assume the shipping costs to your home address.
Incidents of transport and delay in the delivery of luggage
We will cover the justified expenses, up to the established limit, in the event that the means of transportation is delayed in its departure, or when there is a loss in the connection of the scheduled flights. Some policies also include coverage in case of overbooking.
In case of delay in the delivery of your luggage, expenses incurred for the purchase of necessary personal items will be reimbursed until the luggage is recovered. You must assess which coverages are included in each policy, their economic limits and how many hours must elapse for the coverage to be effective.
Cancellation and cancellation fees
If an unforeseen event occurs that prevents you from taking the trip at the last minute, the company will reimburse you for the management, cancellation and penalty fees charged by the travel supplier.
The cancellation guarantee will cover you for different reasons, among them: inability to travel due to an accident, death or illness of the insured or of a family member; labor causes such as professional dismissal or incorporation to a new job; legal causes such as summons as part of a court, of an electoral board or presentation to oppositions; or extraordinary causes such as an act of air piracy, declaration of catastrophic zone of the origin or destination of the trip,.....
Some policies include this guarantee in their basic coverage, but in other cases it is optional, so it must be included and an additional premium must be paid.
It is important to assess which cancellation reasons are included in each of the policies and whether they require coverage to be contracted at the same time as the trip is contracted.
Civil Liability and Legal Protection
The Civil Liability guarantee covers, up to the established limit, the indemnities that the insured must pay as a private person, as civilly liable for bodily injury or property damage caused involuntarily to third parties in their persons, animals or things during the trip.
The Legal Protection coverage covers, up to the established limit, notary expenses for the granting of powers of attorney for lawsuits, lawyer's and attorney's fees, expert's fees, court costs and fees, the provision of bonds required in the guaranteed criminal proceedings...
