Generali Travel Cancellation (Viajes Anulación) Policy Conditions (English Translation)
An English translation of the Generali Viajes Anulación conditions — cover for the cost of cancelling or cutting short a trip.
These are the General Conditions of the Generali Viajes Anulación insurance — cover for the costs you lose if you have to cancel a trip before it starts, or cut it short, because of an unexpected event. They are completed by your Particular Conditions, which confirm the insured amount, the period and the territorial scope.
Part 1 — The cancellation 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.
What this insurance does ↑ top
The policy pays your cancellation costs if you have to call off a trip before it starts — or cut it short — because of an unexpected, covered event. Two timing rules matter:
- The event causing the cancellation must happen 72 hours or more after you took out the insurance, unless you bought the insurance at the same moment as the trip.
- You must cancel before the start date and tell the travel provider.
The insured must have their habitual home in Spain. The maximum payable is the amount for your cover level; on a group policy, if a single event affects several insureds and the limit is exceeded, the indemnity is shared proportionately.
What it pays ↑ top
Up to the insured limit, it reimburses the cancellation charges your travel provider invoices and that you have actually paid under the sale conditions, including:
- Transport (flights, trains, etc.).
- Accommodation.
- Other services included in the trip invoice or invoiced separately.
Only amounts genuinely lost are paid — any refund the provider gives you is taken into account. You must send copies of the invoices and proof of payment.
Covered reasons for cancelling ↑ top
The policy lists a long set of covered reasons. The main groups are:
Health & family
- Serious illness, accident or death of you, a travelling companion or a close relative.
- A medical quarantine prescribed for you, including for risk of contagion.
- Pregnancy complications, or being summoned for an urgent medical procedure (organ transplant).
Work & money
- Non-disciplinary dismissal from your job (or that of a parent who paid for the trip), or being required to start a new job.
- Your employer entering a collective-redundancy procedure (ERE) or being declared insolvent.
- A parallel tax assessment from the tax office, or a traffic fine, over €600 on the travel dates.
Home, legal & documents
- Serious damage to your home or business (fire, theft, explosion, flood or force of nature) requiring your presence.
- Being called for jury service, as a witness, or to an unpostponable court hearing.
- Theft of your documents or baggage that stops you starting or continuing the trip.
Destination & extraordinary events
- An official terrorist act or natural disaster at the destination within the 30 days before departure, within 50 km of the destination; or the destination being declared a disaster zone.
- Air, land or sea piracy on your route; or being called up urgently to the Armed Forces, Police or Fire service.
Other
- A vehicle breakdown or accident preventing the trip; the award of an official grant or a place that clashes with the dates; or winning a similar trip in a public, notarised draw.
This is a representative summary — your Particular Conditions and the Spanish wording set out the complete, definitive list and the proof required for each.
Sports & activities ↑ top
Where the trip involves recreational sport, cover applies provided you take part as an amateur (unpaid), it is not the purpose of the trip, not in competition, activities at height are not above 4,000 m, underwater activities not below 30 m, and the activity is not dangerous/high-risk or expressly excluded.
Part 2 — Exclusions, Consorcio & claims
General exclusions ↑ top
Unless expressly included, the policy does not cover events before it started or within the first 72 hours (unless bought with the trip); fraud; foreseeable circumstances or pre-existing conditions known when booking; epidemics/pandemics save as the wording allows; cancellations for reasons not on the covered list; war, riots, terrorism and strikes (except where stated); nuclear radiation; and natural catastrophes and extraordinary events (covered by the Consorcio).
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.
How to claim, your rights & complaints ↑ top
Tell the travel provider and Generali as soon as you know you must cancel, and keep the invoices and proof of payment plus evidence of the reason (medical report, police report, dismissal letter, court summons, etc.). Premium is payable when the policy is taken out. Cancellation rights: you may cancel the policy before it starts, and within the first 14 days for policies lasting more than 30 days, with a refund of the unused premium. 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.