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Iati Premium Star Our most complete insurance

WITH MORE COVERAGES
WITH THE HIGHEST LIMITS
UP TO € 500,000 OF MEDICAL EXPENSES

Iati Premium Star

With one of the highest medical expense coverage in Spain of €500,000 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 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. 

Coverage summary

Medical Assistance
500.000€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip.
900€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip.
500€
We cover the costs of emergency treatment as a result of acute dental problems such as infections, pain, trauma or following an accident.
INCLUDED
We cover hospital and medical expenses if you have an accident in a motor vehicle.
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
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.
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
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.
100%
If you need to be repatriated as a result of illness or death, we will also repatriate your travel companion.
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
100%
If a serious incident occurs at your home or business premises that requires your presence, we will repatriate you and your travel companion.
Baggage and documents
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.
INCLUDED
If the carrier of a scheduled flight loses your luggage, we will help you find it and get it to you
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
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.
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.
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.
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.
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.
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.
Adventure
INCLUDED
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.
Emergency Assistance
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 youq2
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.
Legal Cover
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.
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.
3.000€
We will claim compensation for any damages you may sustain as a pedestrian or passenger on any means of transport
3.000€
We will claim compensation for breach of any purchase contracts you have for decorative and personal items or household appliances.
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
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.
Accidents
18.000€
We will indemnify you in the event of permanent, total or partial disability as a result of an accident during your trip.
4.000€
We will also pay indemnification in the event of death as a result of an accident during your trip.
Optional
-
Optionally, we will also cover you aboard a cruise ship.
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

Terms and conditions

To view the full conditions of the policy, please download the document in PDF
General conditions
Cancellation coverage
Cancellation coverage

Get a quote

Iati Premium Star

With one of the highest medical expense coverage in Spain of €500,000 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 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. 

Medical Assistance
Medical assistance abroad
500.000€
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
500€
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 other 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.
Baggage and documents
Theft and damage of luggage
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.
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 belongigns 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 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.
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.
Administrative costs for loss of travel document
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.
Adventure
Adventure sports included
INCLUDED
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.
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 youq2
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.
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.
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.
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
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.
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
Extension for cruises
-
Optionally, we will also cover you aboard a cruise ship.
Cancellation costs
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

Terms and conditions

To view the full conditions of the policy, please download the document in PDF
General conditions
Cancellation coverage
Cancellation coverage
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