Generali Annual Premium Travel Insurance Policy Conditions (English Translation)
An English translation of the Generali Viajes Anual Premium conditions — the top-tier annual travel policy with the highest limits.
These are the General Conditions of the Generali Viajes Anual Premium insurance — the top-tier annual travel policy, with the highest sums insured in the range, for people who travel often and want the most generous limits. They are completed by your Particular Conditions, which confirm the sums insured, the annual period and the territorial scope.
Part 1 — The Annual Premium cover
Information Clause ↑ top
This clause fulfils the insurer's duty to inform under Law 20/2015 and RD 1060/2015. Insurer: GENERALI España S.A. de Seguros y Reaseguros, Pl. de Manuel Gómez-Moreno 5, 28020 Madrid. Supervisor: the DGSFP. Complaints: Generali's Claims & Complaints Service (reclamaciones.es@generali.com), then the DGSFP. Applicable law: Law 50/1980 and related rules; Spanish law and jurisdiction, before the courts of the Insured's domicile in Spain.
How the Annual Premium policy works ↑ top
- 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.
- Highest limits in the range. The Premium tier carries the most generous sums insured for medical costs, baggage, accident and the other guarantees — the exact figures are in your Particular Conditions.
- Multiple trips through the year, away from your habitual home, within the territorial scope.
- Optional cancellation module can be added (it cannot be bought on its own).
- Cover ends on return. Each trip's cover ends once you have returned home (unless a guarantee says otherwise).
Object & territorial scope ↑ top
The policy guarantees travel-assistance cover for a chance event during a trip, away from your habitual home, within the contracted territorial scope (typically Spain, Europe or Worldwide) and during the annual period. Assistance cannot be guaranteed in countries at war or unrest, or where your government advises against travel; an updated list of excluded territories is published at generali.es.
The guarantees (summary) ↑ top
The Anual Premium cover provides the same guarantee framework as the rest of the Generali travel range, at the highest limits:
- Medical & repatriation assistance — medical, surgical, hospital, pharmacy and emergency dental costs abroad; medical transport and repatriation; hotel-stay extension; companion travel; hospitalisation cash benefit; repatriation of mortal remains.
- Travel incidents & disruption — travel delay, missed connections, overbooking, strike, early return for a serious event at home, and trip relocation.
- Baggage & documents — loss, damage or theft of baggage, theft of valuables, baggage delay, and loss of travel documents.
- Information & legal services abroad, private civil liability, and personal accident (death & disability).
For the full, clause-by-clause detail of each guarantee, its conditions and its specific exclusions, see our Viajero travel conditions.
Optional module — Trip cancellation ↑ top
Where contracted, the optional Cancellation module reimburses the unavoidable cancellation costs of a trip you have to call off for a covered reason. The cause must arise more than 72 hours after the insurance is taken out, unless bought with the trip. The full list of covered reasons is set out in our cancellation conditions.
Part 2 — Exclusions, Consorcio & claims
General exclusions ↑ top
Unless a guarantee expressly includes it, the policy does not cover events before it started; fraud; travel to countries your government advises against; participating as a professional in sport and the consequences of winter sports; war, riots, terrorism and strikes (except where a guarantee says otherwise); nuclear radiation; natural catastrophes and extraordinary events (covered by the Consorcio); and claims from carrying on a professional activity (other than commercial or artistic work needing no physical effort). The full list matches the Viajero general exclusions.
Extraordinary risks (Consorcio de Compensación de Seguros) ↑ top
Losses from extraordinary events in Spain (earthquakes, tsunamis, extraordinary floods, volcanic eruptions, atypical cyclonic storm, falling meteorites; terrorism, rebellion, riot; and acts of the Armed/Security Forces in peacetime) are indemnified by the public Consorcio de Compensación de Seguros, funded by a surcharge collected with your premium, under Royal Legislative Decree 7/2004 and RD 300/2004. For personal cover, the Consorcio clause applies to the sum at risk for each insured.
How to claim, your rights & complaints ↑ top
24-hour travel assistance: 900 903 326 (from Spain) or +34 91 514 99 62 (from abroad). Keep all receipts and proof of the event. Premium is payable when the policy is taken out. Cancellation rights: you may cancel before the policy starts, and within the first 14 days for policies lasting more than 30 days, with a refund of the unused premium; thereafter the auto-renewal notice periods above apply. Complaints go to Generali's Claims & Complaints Service, then the DGSFP. Law & jurisdiction: Spanish law, before the courts of the Insured's domicile in Spain.