Annual Premium Travel Insurance in Spain

Annual Premium is the top tier of Generali's annual travel range — the Viajes Anual Premium policy. It carries the highest sums insured in the range for medical costs, baggage, personal accident and the other guarantees, runs for a full year and renews automatically, covering unlimited trips away from home within your chosen territorial scope. It is built for people who travel often and want the most generous cover without arranging a new policy each time.

What Annual Premium travel insurance covers

The Annual Premium tier provides the same guarantee framework as the rest of the Generali travel range, set at the most generous limits. Adventure and winter sports and the rental-car excess waiver are included as standard at this level, rather than being optional add-ons. The exact sums insured are confirmed on your Particular Conditions and your quote.

For the full, clause-by-clause detail of each guarantee, its conditions and its specific exclusions, see the Annual Premium policy conditions.

Who Annual Premium is for

• Frequent travellers who take several trips a year and want the convenience of one policy that auto-renews.
• Anyone who wants the highest limits in the range rather than the standard tier — particularly for medical costs and baggage.
• Travellers who take adventure or winter sports trips, or hire a car, and want that cover built in rather than added on.
• People heading further afield, where the worldwide option (including the USA and Canada) gives the most generous medical protection.

If you only travel once or twice a year, a single-trip policy is usually cheaper, and a standard annual multi-trip policy may be enough for regular European trips. Annual Premium earns its place when you want maximum cover as your default.

How the Annual Premium policy works

• Annual term, auto-renewing. The insurance lasts one year and then renews automatically for further annual periods unless either party gives notice — one month before renewal for you, two months for the insurer (Ley 50/1980, Article 22).
• Multiple trips through the year away from your habitual home, within the contracted territorial scope — typically Spain, Europe or Worldwide.
• Cover ends on return. Each trip's cover ends once you have returned home, unless a particular guarantee says otherwise.
• Optional cancellation module. A trip-cancellation module can be added to reimburse the unavoidable cost of calling off a trip for a covered reason; it cannot be bought on its own. See the cancellation conditions for the full list of covered reasons.

Worldwide and USA cover

Annual Premium can be arranged on a worldwide basis, including the USA and Canada, from around €120 a year. If you are travelling to the United States, Canada or the Caribbean — where treatment costs are extreme by European standards — check that your medical limit is at least €1,000,000; a single overnight stay in a US hospital can exceed €15,000 and an air ambulance back to Europe can cost €100,000 or more. We will confirm the right territorial scope and limit for the way you travel.

How to get an Annual Premium travel quote

Call our English-speaking team on 966 461 625 (Monday to Friday, 09:30–15:00) or contact Turner Insurance. As your authorised exclusive Generali agent in Jávea, we will confirm the territorial scope, the limits and any optional cancellation cover, then set up your policy with English-language documents.

Frequently Asked Questions

Read the full Annual Premium Travel Insurance policy conditions in English →
← Back to all travel insurance options