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IATI Star Our most complete insurance

FOR TRIPS TO U.S.A., CANADA, JAPAN, AUSTRALIA OR NEW ZEALAND

WITH MORE COVERAGES AND THE HIGHEST LIMITS

UP TO € 1.000,000 OF MEDICAL EXPENSES

IATI Star

With one of the highest medical expense coverage in Spain of €1.000,000 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 IATI Star

Medical Assistance

1.000.000€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip. COVID-19 included
900€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip. COVID-19 included
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.
1.000€
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
1.400€ (2000€ Costa Rica)
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
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

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.
100%
If you have to cut short your trip because of a natural disaster or an unusual natural phenomenon which means you are unable to complete the trip you originally scheduled, we will cover return travel to your usual place of residence in Spain. We also will cover a second travel ticket for your travel companion, providing s/he is also insured under this policy.

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€
We will send any essential basic items or medication that you forget to take with you when you set off on your trip

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.
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.
350€
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.
350€
If the public transport you are using is delayed due to a technical failure, strike, bad weather or natural disaster, or intervention by the authorities or others by force, which means you are unable to catch the next public transport for which you already have a ticket, we will reimburse the expenses you incur while waiting
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, gym activities, cycle touring, curling, hiking, jogging, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, hiking, snorkelling, trekking up to 3. 000 metres altitude, mountain biking, shooting sports / small game, cross-country skiing, jet skiing, snowmobiling, sailing, paintball, skating, canoeing, Tibetan bridge, climbing wall, 4×4 routes, survival, surfing and windsurfing, zip-lining, sledging in ski resorts, dog sledding (mushing), equestrian tourism, airsolf, canyoning, diving and underwater activities at depths of less than 20 metres, bulder up to 8 metres, horse riding, sport climbing, fencing, caving at depths of less than 150 metres, water skiing, fly surfing, hydrobob, hydrospeed, kitesurfing, canoeing, white water, psicobloc up to 8 metres, quads, rafting, abseiling, bungee jumping and any other similar activities.

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
3.000€
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.

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

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

Get a quote

Terms and conditions

pdf-icon General conditions

IATI Star

With one of the highest medical expense coverage in Spain of €1.000,000 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

1.000.000€
We cover medical and hospital expenses as a result of you becoming ill or having an accident during your trip. COVID-19 included

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. COVID-19 included

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

1.000€
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

1.400€ (2000€ Costa Rica)
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

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

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.

Early return due to a natural phenomena

100%
If you have to cut short your trip because of a natural disaster or an unusual natural phenomenon which means you are unable to complete the trip you originally scheduled, we will cover return travel to your usual place of residence in Spain. We also will cover a second travel ticket for your travel companion, providing s/he is also insured under this policy.

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 belongings that are forgotten

120€
We will send any essential basic items or medication that you forget to take with you when you set off on your trip

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.

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

350€
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.

Missed connection

350€
If the public transport you are using is delayed due to a technical failure, strike, bad weather or natural disaster, or intervention by the authorities or others by force, which means you are unable to catch the next public transport for which you already have a ticket, we will reimburse the expenses you incur while waiting

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, gym activities, cycle touring, curling, hiking, jogging, ball games, beach games and camping activities, kayaking, swimming, orienteering, paddle surfing, fishing, snowshoeing, segway, hiking, snorkelling, trekking up to 3. 000 metres altitude, mountain biking, shooting sports / small game, cross-country skiing, jet skiing, snowmobiling, sailing, paintball, skating, canoeing, Tibetan bridge, climbing wall, 4×4 routes, survival, surfing and windsurfing, zip-lining, sledging in ski resorts, dog sledding (mushing), equestrian tourism, airsolf, canyoning, diving and underwater activities at depths of less than 20 metres, bulder up to 8 metres, horse riding, sport climbing, fencing, caving at depths of less than 150 metres, water skiing, fly surfing, hydrobob, hydrospeed, kitesurfing, canoeing, white water, psicobloc up to 8 metres, quads, rafting, abseiling, bungee jumping and any other similar activities.

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

3.000€
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.

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

OPTIONAL
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
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