Generali Travel Cancellation Insurance — Full Policy Conditions (English)

Preliminary. Informative clause

The purpose of this Information Clause is to comply with the provisions of Articles 96.1 of Law 20/2015, of July 14, on the regulation, supervision and solvency of insurance and reinsurance entities and 122 of Royal Decree 1060/2015, of November 20, which approves its implementing regulations, relating to the general duty of information to the Policyholder and the Insured by the Insurer.

Name and Registered Office of the Insurer.

• Name. GENERALI ESPAÑA, SA DE SEGUROS Y REASEGUROS
• Registered Office: Calle Orense n° 2, (28020) MADRID-SPAIN, NIF A-28007268. Registered in the Commercial Registry of Madrid on Sheet M-54.202.

Administrative Control Body of the Insurer

The Ministry of Economy and Competitiveness, through the Directorate General of Insurance and Pension Funds, is responsible for controlling insurance activity and protecting the freedom of policyholders to decide on insurance contracts and maintaining contractual balance in existing insurance contracts.

Claims procedures and steps to follow in case of disputes

The Insurer provides the policyholder, the insured, beneficiaries, injured third parties or successors of any of them with a Complaints and Claims Service, the Regulations of which can be consulted on the website www.generali.es . The policyholder, insured persons, beneficiaries, injured third parties, or their legal representatives may submit complaints and claims related to their legally recognized interests and rights by writing to the Complaints and Claims Service. The written complaint must include their personal information, signature, address, policy or claim number, and a description of the facts giving rise to the complaint or claim, and should be sent to the following address: Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Calle Orense, nº 2 – (28020) MADRID Or to the following email address: claims.es@generali.com

The Complaints and Claims Service, which operates autonomously and independently, will acknowledge receipt of the complaint and must resolve it, with justification, within a maximum period of two months in accordance with the provisions of Law 44/2002, of November 22, on Measures for the Reform of the Financial System and Order ECO/734/2004 of March 11, which regulates the Complaints and Claims departments and services and the customer ombudsman of financial entities.

The decisions of the Complaints and Claims Service will be binding on the Insurer. After a period of 2 months from the date of submission of the claim-

If the complaint has not been resolved by the Insurer's Complaints and Claims Service, or if the latter has rejected the request, interested parties may submit their complaint to the Claims Service of the Directorate General of Insurance and Pension Funds, whose address is Paseo de la Castellana, 44 28046- MADRID www.dgsfp.meh.es/reclamaciones/index.asp All of this is without prejudice to the right of the Policyholders, Insured Parties, Beneficiaries, Injured Third Parties or successors of any of them to resort at any time to the protection of the competent judges and courts.

Legislation applicable to the Insurance Contract

This Insurance Contract shall be governed by Law 50/1980, of October 8, on Insurance Contracts (which shall not be mandatory if, in accordance with Article 11 of Law 20/2015, of July 14, on the regulation, supervision and solvency of insurance entities, this contract is considered as a large-risk insurance), by the aforementioned Law 20/2015, by Royal Decree 1060/2015, of November 20, which approves the Regulation on the Regulation, Supervision and Solvency of insurance and reinsurance entities, by the regulations that develop, modify or supplement said regulations and by the provisions of the Contract Conditions, in all its annexes, supplements and appendices, and in the insurance application and in the risk assessment questionnaire signed by the Policyholder, which constitutes a fundamental document for the Insurer to have given its consent to contract and to set the policy conditions.

Right of withdrawal for contracts concluded remotely

In accordance with Article 10 of Law 22/2007, of June 11, on the distance marketing of financial services intended for consumers, the holder of a contract concluded at a distance shall have a period of fourteen calendar days from the day of the conclusion of the contract, to withdraw from it. This right of withdrawal will not apply to insurance contracts that fulfill an insurance obligation of the policyholder, nor in those cases where the insurance contract has already been executed. If the Policyholder has the right to withdraw from the distance contract and wishes to exercise this right, they must communicate their decision, within the legally established period, by sending an email to canalcliente-clientes.es@generali.com indicating your personal details as well as the policy number. The policyholder who has the right to withdraw from the contract will only be obliged to pay, as soon as possible, for the period of coverage of the contracted policy from its effective date until the time of withdrawal.

1. Introduction

The purpose of this Policy is to provide cancellation expense insurance if you have to cancel or interrupt your trip due to an unforeseen event. This unforeseen event must occur 72 hours or more after purchasing the insurance unless you purchase the insurance at the same time as you purchase the trip. We guarantee the risks included in the contracted modality with the limits indicated therein.

Information in one click

To directly consult the section that interests you, you can go directly to the Index and click on the corresponding section.

Contracting methods

We offer different economic limits so that you can choose the option you need.

The insurance and economic limits contracted will be listed in Your Special Conditions, along with the coverage period and territorial scope. Please read these General Terms and Conditions carefully together with your Specific Terms and Conditions.

How to read the policy terms and conditions

The coverages, exclusions and procedures in case of a claim will be shown as follows:

• What your policy covers. First, we detail what each guarantee covers.
• What your policy does not cover. Below we list what is excluded from each guarantee.
• Procedures in case of an accident. After the coverages and exclusions, we will tell you how to contact us in each situation.
• Attention notes. Throughout the terms and conditions, we will provide you with additional information, clarifications, and suggestions as follows:

Information / Clarification / Suggestion / Notice / Advice We will provide you with the information, clarification, suggestion, notice, or advice we wish to give you.

Print

These General Terms and Conditions are designed to be read on screen. You can print them, but as it is a very long document, we recommend printing in black and white and only the sections you need.

2. Your Policy

How to get the most out of your insurance?

We want you to get the best from your insurance. To do this, we ask that you:

• Read the General Conditions together with the Special Conditions and make sure that the insurance covers those events that you think could happen to you.
• Make sure you understand the terms and exclusions of your policy because, if those terms are not met, it may affect any request you make to us.

If you access https://generali.eclaims.europ-assistance.com You can benefit from the Travel Protection Portal service, where you will find additional services and tools that are very beneficial for your peace of mind throughout your trip.

Modification of the data contained in the Policy

The policyholder is obligated to notify us of any changes to the information contained in the policy. This must be done in writing as soon as possible. We reserve the right to suspend the guaranteed coverage if you fail to comply with this obligation. Specifically, you must inform us of any changes related to:

• Your address
• Trip destination
• Departure or return dates

If you have any questions, you can contact our customer service department: Telephone 900 903 433 (from Spain) // (+34) 91 112 34 43 (from abroad) Email servicioatencionalcliente.es@generali.com

Important Clarification This insurance does not cover everything, it only covers the situations as described in these General Conditions.

Some important facts that are not covered are:

• Facts indicated in the sections General Conditions and General Exclusions
• Facts indicated in the section “What Your Policy Does Not Cover” of each guarantee
• The franchises that we indicate in each section
• Airport taxes. This is a tax that you must recover directly from the airline if you do not take the trip.
• Management fees for issuing or cancelling services. These are the amounts that travel agencies charge for their services.
• Insurance premiums. The insurance payment is what allows you to request a refund of the costs of cancelling your trip.
• Any other supplement not charged by the service providers (airlines, railways, for example).

IF WE DO NOT INDICATE THAT SOMETHING IS COVERED, YOU SHOULD ASSUME THAT IT IS NOT.

Important Information Some important conditions that apply to your policy are:

• The duration of the insurance, the territorial scope of coverage, as well as the contracted modality along with its guarantees and exclusions; all of this will be indicated in Your Special Conditions.
• Your policy is intended only for people residing in Spain.
• Only events that take place within the insurance policy's validity period are covered.

3. How to contact us

CANCELLATION EXPENSES, TRIP INTERRUPTION

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or expense reimbursement and track its status.

REQUEST FOR AUTHORIZED PAYMENTS

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or authorized expense payment and track its status.

Address postal

P.O. Box 36316 28020 MADRID

If we request original documents, you must send them to this post office box.

CUSTOMER SERVICE

Phone

900 903 433 (from Spain) (+34) 91 112 34 43 (from abroad)

E-mail

customerservice.es@generali.com

If you have any questions about your policy.

E-mail Address postal

COMPLAINTS SERVICE claims.es@generali.com Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Orense Street, No. 2 – (28020) MADRID

General Conditions

Important conditions regarding your policy

• The duration of the insurance, the territorial scope of coverage, as well as the chosen modality and its guarantees and exclusions, will be those indicated in the Special Conditions of Your Policy.
• Your insurance is intended only for people residing in Spain.
• Only claims that occur within the insurance policy period will be covered.

Entry into force and duration of the insurance

Your insurance policy will take effect on the date we indicate. in the Special Conditions provided that you have accepted the terms and conditions and paid the Premium.

Start of insurance coverage

Coverage will begin on the date indicated in the Special Conditions of Your Policy. For the guarantee of trip cancellation expenses not started, the event that causes the cancellation of the trip must happen 72 hours after you have purchased the insurance unless you purchase the insurance at the same time as you purchase the trip.

Insurance duration

The duration of the insurance will be as reflected in the Special Conditions of Your Policy.

Territorial Scope

The coverage provided by this Policy will be valid within the territorial scope indicated in its Special Conditions. This will be the area for which you have taken out the insurance, excluding the established mileage deductible or unless we expressly indicate otherwise in the definition of the coverage.

Although these areas fall within the contracted territorial scope, we do not guarantee that we can provide assistance in countries experiencing war, insurrection, or armed conflict of any kind, even if not officially declared. In such cases, we will reimburse you for expenses covered and duly documented with copies of invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.

This insurance provides coverage in the countries or destinations indicated in your policy, except in the following countries and territories: Iran, Crimea, North Korea, Syria, Venezuela, Belarus, Myanmar, Afghanistan, Russia, and Ukraine.

Guaranteed limits

The financial limits listed for each coverage under this Policy are the maximum total amounts for the entire coverage period specified in the Special Conditions, unless expressly stated otherwise. The limits will correspond to the coverage option you have selected.

Sports and activities

If you participate in sports or recreational activities during your trip, you will be entitled to the insurance coverage provided that:

1. Do it as an amateur, not as a professional; and without receiving remuneration.
2. The purpose of your trip is not to practice sports or recreational activities
3. Do not practice the sport or activity as a competition
4. The sport or activity is not dangerous or high risk.
5. The sport or activity is not expressly excluded from the insurance

Precautions

You should do everything possible to reduce the risk of any coverage under your insurance.

Failure to take the appropriate precautions may result in us deducting the amount from any claim for compensation or reimbursement of expenses, or refusing payment.

Subrogation

We are subrogated, up to the full cost of the services provided by us, to your rights and actions against any person responsible for the events that prompted our intervention. When the guarantees provided under this Policy are covered in whole or in part by another insurance company, by Social Security, or by any other institution or person, we will be subrogated to your rights and actions against that company or institution. To this end, you agree to actively cooperate with us by providing any assistance or facilitating any document we may deem necessary. In any case, we will have the right to use or request that you hand over to us the transport ticket (train ticket, plane ticket, etc.) that you have not used, when the return expenses have been borne by us.

Prescription

The actions to which you are entitled arising from the insurance contract expire two years after the insurance ends (five years for personal insurance, such as accident insurance coverage).

Communications and notifications between the Parties

You must contact us directly for any questions related to your policy. You can find out how to do this in the "How to Contact Us" section.

Communications made by the policyholder to the insurance agent who mediates or has mediated in the contract will have the same effect as if they had been made directly to the insurance entity.

Communications made by an insurance broker to the Insurer on behalf of the policyholder will have the same effect as if made by the policyholder himself, unless otherwise indicated by the latter.

Communications and notifications made by the Insurer to the Policyholder or the Insured through the insurance agent or broker who mediates or has mediated the operation will have the same effects as if they had been made directly by the Insurer.

1. Rules and form of communications and notifications between the parties by reason of this contract

All communications and notifications that the parties must make to each other by reason of this contract, related to its fulfillment and execution and/or for the exercise of the rights and obligations that arise from it must always be made in writing and will be governed by the provisions of this article of the policy.

Exceptionally, when the applicable regulations do not require that the communication be made in writing, those sent by the Insurer to the Policyholder and/or the Insured by telephone will be valid and have full effect when they are recorded on a durable medium that guarantees their integrity, provided that the recipient gives prior express consent for said recording.

2. Means of carrying out communications and notifications. The insurer may make and send to the policyholder, the insured, beneficiaries and the heirs of any of them the communications and notifications referred to in point 1 above, with full legal validity and effectiveness and producing full contractual effects, by post, burofax, fax, by email or by text message (SMS) to a mobile phone.

In order for such communications and notifications, when made by mail or certified mail, to be effective, they must be addressed, in the case of those sent by the Insurer, to the address indicated in the policy by the Policyholder and/or the Insured, or to the address that they have notified to the Insurer after the issuance of the contract.

When the communications and notifications referred to in the previous paragraph are made by fax, by text message (SMS), or by email, they must be addressed, respectively, to the fax number, or the mobile phone number or the email address indicated in the policy by the Policyholder and/or the Insured, or to the one that they have subsequently notified to the Insurer or the intermediary who, if applicable, intervened in the contract.

All communications and notifications that the Policyholder and/or the Insured send to the Insurer must always be addressed to its registered office, as stated in the policy, or to any of its branches open to the public. This is without prejudice to the provisions of the applicable law. as stated in point 4 below regarding communications made through an insurance intermediary.

3. Effective date of the notifications and communications exchanged between the parties. Communications and notifications exchanged between the parties will take effect from the moment they are received by the recipient party, regardless of whether or not the recipient reads them.

However, communications made by post or registered mail will have full contractual effect from the moment the Postal Service first attempts delivery to the recipient at their address (as established in point 2 above), regardless of whether that attempt fails for any reason. In the case of communications or notifications sent by email or text message (SMS) to a mobile phone, they will have full contractual effect from the date they are received at the destination email address or mobile phone number, regardless of whether the recipient opens the emails and/or SMS messages.

Divergences

If the policy content differs from the insurance proposal or the insurance application, the policyholder may request the insurance company to correct the discrepancy within one month of receiving the policy. If no claim is made within this period, the terms of the policy will apply.

International sanctions

We will not provide coverage, nor assume any Claim, nor provide benefits or services described in the policy that may expose us to any sanction, prohibition or restriction under resolutions issued by the United Nations or trade or economic sanctions, laws or regulations of the European Union, the United Kingdom, or the United States of America.

For more details, please visit the following pages:

• https://www.un.org/securitycouncil/sanctions/information ,
• https://sanctionsmap.eu/#/main,
• https://www.treasury.gov/resource-center/sanctions/Pages/default.aspx

Clause regarding US travelers

If you are a citizen or resident of the United States and travel to Cuba, you will need to prove that your trip to Cuba was in accordance with the laws of the United States in order for us to provide you with a service or make a payment.

Important information You will only benefit from the coverage of Your Policy if you have followed the official travel recommendations published by a government authority in Your country of origin. These recommendations are valid on the start date of your trip. The recommendations include “contraindications for travel or movement, unless they are essential.”

Definitions

All words and expressions defined below will have the same meaning in the Policy. They appear in capital letters throughout the document. The definitions appear in alphabetical order.

Accident(ies)/accidental Bodily injury or property damage occurring during the policy's validity. It must be caused by a sudden, external event unintentionally caused by the insured.

Companion Any person other than the insured party listed under the same travel contract. This person does not necessarily have to be insured unless it is specified that they must be.

Insured, You, Your, The The individual listed as the Insured in the Policy's Special Conditions must have their habitual residence in Spain. The Insured assumes the obligations arising from the Policy.

Insurer, We, Our, Us GENERALI ESPAÑA SA DE SEGUROS Y REASEGUROS.

Fault This is the damage that occurs to the vehicle or means of transport. This damage must be caused by internal, normal, unforeseen, and unavoidable factors. This damage must immobilize the vehicle and prevent its use.

Natural disaster Floods, earthquakes, tsunamis, landslides, avalanches, hurricanes, tornadoes, fires, volcanic activity, and/or any other phenomenon declared a catastrophe by the relevant authorities. These must have been caused by nature and not by humans.

Quarantine Temporary isolation of people to prevent the spread of an infectious disease.

Dangerous or high-risk sport/activity Sport/Activity that presents a real or apparent danger to the physical integrity of the person who practices it, even a life-threatening risk.

Usual Address The address declared by the Insured and located in Spain from which the Trip is made.

Serious Illness / Serious Accident We consider an illness or accident to be serious:

• requiring hospitalization for at least 24 hours (stay in the emergency department is not considered hospitalization) and/or
• that causes severe impairment of the upper and/or lower limbs according to the criteria of our medical team.

We also consider a diagnosis of cancer (or another illness) requiring active treatment during the travel dates to be a Serious Illness. This diagnosis must be made after the policy has been purchased. Common or mild illnesses (for example, flu, gastroenteritis, lower back pain, asthma, among others) will be considered Serious Illness when they require hospitalization (as indicated above) and the attending physician advises against travel in the medical report.

Unexpected Illness Unforeseen change in a person's health status during the trip insured by the policy. This change in health must require medical attention. A legally recognized physician or dentist must diagnose and confirm this change in health. We consider Covid-19 to be any other illness.

Epidemic Any sudden and large-scale manifestation of a disease that spreads rapidly and simultaneously affects many people in one or more geographical areas.

Foreign The country different from Spain.

Direct relative Spouse or registered domestic partner. Parents, parents-in-law, grandparents, grandparents-in-law, children, sons-in-law, daughters-in-law, grandchildren, grandchildren-in-law, siblings, and siblings-in-law.

Force Majeure An event that was not caused by human will. This event must be unforeseeable, or if foreseeable, it must be unavoidable.

Strike Collective work stoppage by workers to achieve something or exert pressure on certain situations.

Theft Theft of other people's movable property, without violence or intimidation against people or force against things.

Travel Destination City, town or destination point of the insured trip.

Pandemic An epidemic disease that spreads across many countries or that affects almost all individuals in a locality or region.

Policy The contractual document that contains the Regulatory Conditions of the Insurance. It includes the General Conditions, the Particular Conditions, the Special Conditions (which personalize the risk) and any supplements or appendices that may be issued to complete or modify it.

Premium This is the price of the insurance. The premium receipt includes the price of the insurance, any applicable surcharges, and taxes.

Heist Theft of other people's movable property, with violence or intimidation against people or with force against things.

Sabotage Damage or destruction that is intentionally done to a service, facility, process, etc., as a form of struggle or protest against those who manage them.

Sinister A sudden, accidental, unforeseen event, unintentional on the part of the Insured, and whose damages are covered by this Policy. We will consider as a single loss when several damages occur due to the same cause.

Terrorism The actual or threatened use of force or violence by any person or group of persons. This person or group of persons may act alone or in connection with a political, religious, ideological, or similar organization. Their intention is to coerce a government or society in general. An act of terrorism must be declared as such by the government of the place where it occurred.

Policyholder The person or entity that takes out and pays for the Policy to the Insurer. The Policyholder assumes the corresponding obligations arising from the Policy.

Journey The journey made outside the Insured's Usual Residence, from departure to return, and for which this Policy has been contracted.

To request compensation / payment of expenses

Our commitment:

• An experienced member of our team will attend to your request and inform you of the next steps to follow;
• We will return your call when we have committed to doing so;
• It will keep you informed of the process of your application.

To submit your application:

• In each guarantee we explain the steps to follow in case of requesting compensation or payment of expenses.
• Look in the warranty section for what you need and make sure you have all the information or documentation that we will ask for.
• Keep copies of all documentation and correspondence that you send us.
• You can view the contact details in the “How to contact us” section

Important Notice To submit and process your application, you must have your policy number.

Any expenses arising from the supporting documents are your responsibility.

Information that you must always provide to us: We will always ask you to:

• Policy number, make sure you have it
• Name and surname
• Contact phone number
• What you need

Important Information You should do everything possible to reduce the risk of any coverage under your policy. Failure to take the appropriate precautions may result in us deducting the amount from any claim for compensation or reimbursement of expenses, or refusing payment.

Information and conditions of your application

Your request for compensation and/or payment of expenses implies your authorization for us to:

• To handle and act on your behalf in the defense of any claim covered by your Policy;
• To carry out legal proceedings on your behalf, but at our expense, to recover any amount covered by your insurance that we have paid you;
• We will obtain information about your medical condition (with your permission) to manage any requests related to the cancellation of your trip.

We will not share personal information with third parties without your prior approval. We will not pay amounts higher than those indicated in the Special Conditions. In order for us to reimburse you for any expenses, it is essential that you provide us with copies of the invoices and proof of payment. We reserve the right to request the originals if we deem it necessary.

Important Notice The refunds we make are carried out in compliance with Spanish law, specifically regarding cash payments and capital outflows from the national territory.

Thus, in the event that you have paid outside of Spain the costs of contingencies covered by this insurance, we will only reimburse the amount equal to or greater than 10,000 euros or its equivalent in foreign currency if bank proof of your cash withdrawal outside of Spain is provided or it has been declared in accordance with the provisions of Article 34 of Law 10/2010 on the prevention of money laundering.

Badge

We will pay compensation, costs, or services in the currency in which the expense was incurred. For currencies for which there is no exchange rate at the European Central Bank, we will pay in Euros. The exchange rate will be the one available at any reputable banking institution that accepts such exchange rates.

Guarantees

1. Trip Cancellation

1.1. What Your Policy Covers

We will pay the cancellation fees that your travel provider bills you for according to the terms and conditions of sale. up to the limit corresponding to the contracted modality If you need to cancel your trip before it starts.

You must cancel the trip before the start date and notify the supplier. The maximum compensation per claim, in each group policy, will be that corresponding to the contracted modality. for all insured parties affected by the same loss. If the stated limit is exceeded, the compensation will be distributed proportionally among the affected insured parties according to the amount insured by each one. We will not pay for airport taxes, issuance or cancellation management fees, insurance, or other supplements that are not the responsibility of the service provider.

This guarantee is valid until the day and time your trip is scheduled to begin. The insured causes that prevent you from making the Trip must occur 72 hours after you purchased the insurance; unless you purchase the insurance at the same time as you purchase the Trip. The insured reasons that prevent you from making the trip on the scheduled date are the following:

For health reasons:

1. Serious illness, serious bodily injury or death of:
   • You
   • a relative of yours of the first or second degree of kinship
   • the person who was taking care of their minor or disabled children under their care
   • Your professional replacement
2. Death of a relative of yours within the third degree of kinship.
3. If you are unexpectedly called for a surgical procedure.
4. If you have complications during pregnancy or suffer a miscarriage.
5. If you are scheduled for an organ transplant.
6. If any of your children or siblings under the age of two who are covered by this insurance become unexpectedly ill.

For legal reasons:

7. If you are summoned as a party, witness in court or member of a jury.
8. If you are summoned as a member of an electoral board.
9. If you are detained by the police (provided it is not for a crime).
10. If you are summoned for proceedings related to your divorce.
11. If you are going to be given a child for adoption on the dates planned for your trip.
12. If your visa is denied without a justified reason by the consulate.
13. If you are summoned by an official body to go and sign a document in person.

For work-related reasons:

14. If you are dismissed from your job, it must be a non-disciplinary dismissal.
15. If you are starting a job at a new company where you have not been employed in the previous six months. If you are hired through a temporary employment agency (TEA), we will consider the companies you have worked for previously, not the TEA itself.
16. If you have to take official competitive examinations on the dates of your trip.
17. If your employment contract is extended.
18. If you are required to relocate and have to change your address to another province.

Due to extraordinary circumstances:

19. Serious damage to your residence (primary or secondary) or to your business premises (when your presence is essential). We will consider damage caused by fire, theft, explosion, flood, or natural disasters to be serious.
20. If you cannot start your trip because acts of air, land or sea piracy have occurred at any point along the route.
21. If the Authorities officially declare the place from which you begin your journey a “disaster zone”.
22. If a terrorist act or natural disaster occurs at your destination. This must occur within 30 days prior to the start date of your trip. It must be produced within a distance of less than 30 km from the destination.
23. If your company is declared bankrupt.

Other reasons:

24. If you receive a parallel income tax return issued by the Ministry of Finance for an amount exceeding 600 euros.
25. If you cancel the trip because you have won a similar one in a public draw before a notary.
26. If your documents or luggage are stolen in the moments before your trip and for that reason you cannot begin it.
27. If your vehicle or your spouse's vehicle breaks down, or you have an accident with either of them, and you are unable to make your trip because the cost of repairs exceeds 600 euros.
28. If you are awarded an official scholarship that coincides with the dates of your trip.

When you cancel your trip for any of the insured reasons, we will also pay the cancellation fees for a companion when:

• be insured by this insurance,
• be on the same Trip reservation as you and
• you have to travel alone because you cancelled your trip.

If you cancel your trip for any of the insured reasons, we will also pay the cancellation fees for minors when:

• are covered by this insurance,
• are on the same trip reservation as you,
• are under your care during the trip and
• You cancel your trip for one of the insured reasons.

If the Policyholder is a legal entity and you, as the person responsible for the minors, are an employee of the Policyholder or have an employment relationship with them, this assumption does not apply.

If you are unable to make your trip due to any of the insured reasons, you may choose to:

• Cancel your trip, or
• to transfer your trip or change it to someone else's name, or
• change the dates to travel at another time.

If you choose to transfer or modify the Trip, we will pay any costs incurred due to the changes if they are less than the price of the Trip. In both cases, you waive your right to claim any other expenses related to the cancellation of the Trip.

1.2. What Your Policy Does Not Cover

Important Information Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

This policy does not cover costs arising from the contracting of excursions, visits, tickets and all those costs that are not exclusively transport- Tea and accommodation. Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

1. Their suicide, attempted suicide, or self-harm.
2. Epidemics; Pandemics; infectious diseases of sudden onset, large scale, and rapid spread within the population. Quarantines resulting from any of the causes described are also excluded.
3. Diseases caused by air pollution and/or contamination.
4. Acts of reckless imprudence or gross negligence; expenses arising from criminal acts and from participation in bets, challenges, or fights, except in cases of self-defense and/or when at risk His life.
5. Any cause that requires you to cancel the booked trip is expressly excluded if it is not described as a covered cause in the corresponding article.
6. Trip cancellation due to lack of vaccination, inability to be vaccinated, or inability to follow the medical treatment necessary to travel to certain countries.
7. Failure to present or forgetting the necessary travel documents, such as passport, visa (except for non-granting due to unjustified reasons), tickets or cards and/or that they are expired.
8. Any weather-related circumstances that imply that the planned activity for the Trip cannot be carried out, except for coverage of an official declaration of a catastrophic zone.
9. Any cause that cannot be proven by all the documents that justify the reason for the cancellation of the trip, course or activity.
10. Cancellation due to any non-serious illness, except those expressly covered.

1.3. Procedures in case of an accident

What you should do before and during your expense reimbursement request: You must notify the travel agency, tour operator or transport and/or accommodation service provider of the cancellation of the trip as soon as you know. If you have not done so, this guarantee will not apply.

Cancellation fees

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or expense reimbursement and track its status.

Documentation that you must provide us:

• Proof issued and stamped by a recognized third party stating the reason that prevents you from traveling on the scheduled date (for example: medical report issued by the attending physician or death certificate, fire department report, police report, insurance company report, etc.). We consider a “third party” to be any person who is not you, nor a direct relative, companion, or employee of yours.
• The receipt must state the reason for the cancellation of the trip and must necessarily include the date on which it occurred (for example: hospitalization, death, accident…).
• If you cancel your trip for medical reasons, our medical team will decide whether the cancellation is justified. You should be aware that the medical report:
  • It must not be handwritten
  • It must have been issued by a doctor specializing in the disease he/she had. If the medical report is handwritten and/or was issued by a general practitioner, and our medical team requests it, you will need to send us:
    • a copy of the prescriptions for the medicines that the doctor has prescribed for you
    • proof of payment for these medicines
• Copy of the invoice and/or receipts for payment of Your Trip to the supplier.
• Copy of the invoice for the cancellation fees and the receipts you have paid for the costs of cancelling your trip.
• Any document we request in order to process your case. We reserve the right to request the originals if we deem it necessary. The expenses we pay you will be those billed to you by your service provider in accordance with the correct application of the sales conditions.

Important advice

It is essential that the expenses related to the cancellation of the trip are justified in the documentation that we request from you.

Important Clarification

If the airline cancels your flight, you should contact them or your travel agency or tour operator to find out how to claim the compensation you are entitled to.

Your insurance does not cover flight cancellation when it is cancelled by the airline and they are obligated to compensate you.

2. Trip Interruption

2.1. What Your Policy Covers

If you have to interrupt your trip, we will pay for the costs of temporary accommodation for the unused days of your trip.up to the limit corresponding to the contracted modality. To calculate the amount we owe you, we divide the total cost of the accommodation by the number of nights booked per person. We then multiply the resulting amount by the number of nights you did not stay.

The insured causes are:

• Death of:
  • You or
  • a direct relative.
• Bodily injury or serious illness that requires hospitalization and prevents you from continuing your trip.
• Bodily injury or serious illness that requires hospitalization of a direct family member.
• Serious damage to your residence (primary or secondary) or to your business premises (when your presence is essential). We will consider damage caused by fire, explosion, theft, or natural disasters to be serious damage.
• If you are fired from your job, it must be a non-disciplinary dismissal.
• If you are required to relocate for work and have to change your address.
• If you are starting a job at a new company where you have not been employed in the previous six months. If you are hired through a temporary employment agency (TEA), we will consider the companies you have worked for previously, not the TEA itself.
• If you are summoned as a party, witness in court, or juror. The covered events must occur after your trip has already begun.

2.2. What Your Policy Does Not Cover

Important Information

Here we indicate the exclusions relating to this warranty. You should also consult the General Exclusions which refer to all the guarantees of the policy.

This policy does not cover costs arising from the contracting of excursions, visits, tickets and all those costs that are not exclusively transport and accommodation. Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

• Their suicide, suicide attempt, or self-harm.
• Epidemics; Pandemics; infectious diseases of sudden onset, large scale, and rapid spread within the population. Quarantines resulting from any of the causes described are also excluded.
• Diseases caused by air pollution and/or contamination.
• Acts of reckless imprudence or gross negligence; expenses arising from criminal acts and from your participation in bets, challenges, or fights, except in cases of self-defense and/or when your life is at risk.
• Any cause that requires you to cancel the booked trip is expressly excluded if it is not described as a covered cause in the corresponding article.
• Trip cancellation due to lack of vaccine, inability to be vaccinated, or inability to follow the medical treatment necessary to travel to certain countries.
• Failure to present or forgetting the necessary travel documents, such as passport, visa (except for non-granting due to unjustified reasons), tickets or cards and/or that are expired.
• Any weather-related circumstances that prevent the planned activity of the Trip from being carried out, except for coverage of an official declaration of a disaster zone.
• Any cause that cannot be proven by all the documents that justify the reason for the cancellation of the trip, course or activity.
• Cancellation due to any non-serious illness, except those expressly covered.

2.3. Procedures in case of an accident

What you should do before and during your request for assistance: You must notify the travel agency, tour operator or transport and/or accommodation service provider of the interruption of the trip as soon as you know. If you have not done so, this guarantee will not apply.

Travel interruption expenses

Website

https://generali.eclaims.europ-assistance.com

Go to the website and register. Once you have done this, you will be able to create your claim for compensation or expense reimbursement and track its status.

Documentation that you must provide us:

• A document issued and stamped by a recognized third party stating the reason preventing the continuation of the trip (for example: a medical report issued by the attending physician or a death certificate, a fire department report, a police report, an insurance company report, etc.). We consider a “third party” to be any person other than yourself, a direct relative, a travel companion, or an employee. The document must state the reason for the trip interruption and must include the date on which it occurred (for example: hospitalization, death, accident, etc.).
• Copy of the invoice and/or payment receipts for your trip to the supplier. We reserve the right to request the original if we deem it necessary.
• Any document we request from you in order to manage your case.

Important advice

It is essential that the expenses related to the cancellation of the trip are justified in the documentation that we request from you.

General exclusions

Important notice

You will not be covered by this Policy if you travel to a country, region or area that a government authority in your country of residence has recommended against traveling to, or only to travel to if absolutely necessary.

Unless expressly included in the corresponding coverage, the following damages, situations, expenses and consequences arising from the following are excluded from the insured guarantees:

1. Events that occurred prior to the start of the Policy.
2. Fraudulent acts of the Insured, Policyholder and/or beneficiaries of the Policy.
3. Pre-existing or chronic illnesses, injuries or conditions suffered by you before the contracting of the Policy that manifest themselves:
   • before the start of the trip and need to cancel it for this reason or
   • during the trip and require medical assistance for this reason
4. Mental illnesses, preventive medical check-ups, thermal cures, cosmetic surgery and those cases in which the purpose of the trip is to receive medical treatment or surgical intervention, alternative medicine treatments (homeopaths, naturists, etc.), expenses derived from physiotherapy and/or rehabilitation treatments as well as those related to these.
5. Their suicide, suicide attempt, or self-harm.
6. Epidemics; Pandemics; infectious diseases of sudden onset, large scale, and rapid spread within the population. Quarantines resulting from any of the causes described are also excluded.
7. Diseases caused by air pollution and/or contamination.
8. Diseases or accidents resulting from the consumption of alcoholic beverages, narcotics, drugs or medications, unless the latter have been prescribed by a doctor.
9. The diagnosis, monitoring and treatment of pregnancy, voluntary termination of pregnancy and childbirth, except when it involves urgent care and always before the 26th week of gestation.
10. The medical transfer of sick or injured persons due to conditions or injuries that can be treated “in situ”.
11. Voluntary waiver, delay or advance by you of the health transfer proposed by us and agreed by our medical service.
12. Expenses for glasses and contact lenses, as well as the acquisition, implantation replacement, extraction and/or repair of prostheses (understanding prosthesis as any element that replaces or restores the functionality of an organ or part of the body), anatomical pieces, osteosynthesis material and orthopedic material with a cost exceeding 100 euros.
13. Endodontics, aesthetic reconstructions of previous dental treatments, prostheses, crowns and dental implants.
14. In case of cancellation of the Trip, any non-serious illness is excluded, except those expressly covered.
15. Reimbursement of medical, surgical and pharmaceutical expenses amounting to less than 50 euros is specifically excluded.
16. Rescue of people in mountains, caves, sea or desert.
17. Acts of reckless imprudence or gross negligence; expenses arising from criminal acts and from your participation in bets, challenges, or fights, except in cases of self-defense and/or when your life is at risk.
18. Consequences arising from driving vehicles on roads that are not ordinary or not suitable for traffic.
19. Your participation as a professional in any sporting activity.
20. The consequences of practicing winter sports.
21. The practice of any sporting and/or adventure activity, professionally or for which remuneration is received (including training). These practices are also excluded when the Insured participates in official or federated competitions. Also excluded as an amateur is the practice of any dangerous or high-risk sport or recreational activity, such as those listed below or similar:
    • Driving motor vehicles in races or rallies
    • Driverless motorboats
    • Trail, Quad and ATV motorcycle excursions
    • Boxing, weightlifting, wrestling (in its various forms), martial arts
    • Mountaineering of any kind, via ferrata, climbing, glacier access, caving, rafting, hydrospeeding, canyoning, abseiling, deep water soloing, whitewater kayaking, busbob, hydrobob, ultratube
    • Any sport performed at altitudes above 3,500 meters
    • Water sports, underwater sports and scuba diving; canyoning, water skiing, spearfishing, cave diving, surfing, kite surfing / fly surfing, bodyboarding, jet skiing, barefoot sailing
    • Free ride, downhill biking, free ride mountain biking, duathlon, triathlon, roller skiing on mountain roads, half pipe
    • Ultratrails
    • Slackline, highline, rap jumping, bungee jumping, cliff jumping, coasteering, parkour
    • Kite buggy, parasailing
    • Canicross
    • Hunt
    • Horse riding, polo, ice hockey
    • Air sports in general (such as skydiving, paragliding, hang gliding, ballooning, hot air ballooning, free flight, gliding or similar)
    • Bullfighting, bull-running, running of the bulls and any participation in bullfighting shows;
    In general, any sport or recreational activity that is clearly dangerous or high risk is excluded.
22. Theft or simple loss of objects, money, jewelry, documents and theft of luggage or personal belongings found in vehicles or tents.
23. We will not indemnify separately the parts that make up an object or its accessories
24. We will not compensate for damages resulting from the loss or theft of the aforementioned valuables or their misuse by third parties.
25. Reimbursement of passport issuance costs is excluded if no proof issued by the consulate of the country where the loss occurred is presented.
26. Overbooking, except for what we indicate in the coverage “Travel delay due to overbooking on air transport”.
27. Compensation for delays caused by non-scheduled flights is excluded.
28. Any consequence of your failure to check in at the point of departure when you should have done so.
29. Any cause that requires you to cancel the booked trip is expressly excluded if it is not described as a covered cause in the corresponding article.
30. Cancellation of the trip due to lack of vaccine, inability to be vaccinated or inability to follow the medical treatment necessary to travel to certain countries.
31. Failure to present or forgetting the necessary travel documents, such as passport, visa (except for non-granting due to unjustified reasons), tickets or cards and/or that they are expired.
32. Any weather-related circumstances that imply that the planned activity for the Trip cannot be carried out, except for coverage of an official declaration of a catastrophic zone.
33. Any cause that cannot be proven by all the documents that justify the reason for the cancellation of the trip, course or activity.
34. Cancellation due to any non-serious illness, except those expressly covered.
35. Wars, demonstrations, insurrections, popular tumultuous movements, acts of terrorism, sabotage and strikes, whether or not officially declared.
36. The transmutation of the atomic nucleus, as well as the radiations caused by the artificial acceleration of atomic particles.
37. Earthquakes, floods, volcanic eruptions, and, in general, those resulting from the unleashing of natural forces. Any other extraordinary catastrophic phenomenon or event that, due to its magnitude or severity, qualifies as a catastrophe or calamity.
38. Their desire not to travel or not to be enjoying their trip.
39. Any person who is not listed as the Insured in the Policy.
40. Failure to comply with the laws or regulations in force at the time the event occurs.

Important clarification

The purpose of this policy is to cover only the insured persons. Please ensure that all passengers have insurance coverage that meets their needs.

This includes cases where you have paid for additional costs. For example, you have paid for your accommodation and that of another person who is not insured. If we have to pay for these expenses, we will only reimburse you for the portion that corresponds to you.

Payment and cancellation of the Policy

1. Policy Payment

Premium payment

The policyholder is obliged to pay the premium at the time of formalizing the policy. In any case, if the premium has not been paid before the Loss occurs, we would be released from our obligations.

2. Non-payment of the Policy

Non-payment of the premium

In the event of non-payment of the premium, the coverage will not take effect and we will be able to:

• demand payment;
• Cancel your policy with immediate effect;
• deny payment of any outstanding claim you may have;
• Send your policy details to our collection agencies so they can recover the money on our behalf and record the outstanding debt.

3. Cancellation rights

3.1. Our rights to cancel the Policy

We reserve the right to cancel your policy in any of the following circumstances:

1. If you make a fraudulent request for assistance, compensation, or payment of expenses.
2. If you are involved or have been involved in criminal or illegal activities.
3. If your behavior towards our employees or borrowers or the language you use with them is threatening or offensive.
4. If you do not pay the premium.
5. If you intentionally act falsely.

In none of the cases indicated will we refund the premium.

3.2. Your rights to cancel the Policy

The policyholder may request cancellation of the policy before it takes effect. Once it has taken effect, cancellation is only permitted if:

• The insurance lasts for more than 30 days and
• If you cancel within the first 14 days from the policy start date.

If you request cancellation of your policy as indicated above, once we accept your request, the policy will be cancelled on the date you requested it from us.

In this case you are entitled to a refund of the premium or the proportional part of the unused premium.

4. Claims

We want to offer you the best service. However, if you are not satisfied, we offer a Complaints Service, the rules of which can be found on our website. www.generali.es that complies with transparency and customer protection regulations. The policyholder, insured persons, beneficiaries, injured third parties, or their legal representatives may submit complaints and claims related to their legally recognized interests and rights by writing to the Complaints and Claims Service. The written complaint must include their personal information, signature, address, policy or claim number, and a description of the facts giving rise to the complaint or claim, and should be sent to the following address:

4.1. What information should you provide when contacting us?

• Your name, full address, telephone number, and email address (if you have one)
• Your Policy or File Number
• The reason for your claim.
• Copy of any relevant document

4.2. How will we handle your complaint?

We commit to

• Acknowledge receipt of your claim as soon as possible;
• Make the necessary inquiries;
• Resolve your claim within the legally prescribed timeframe;
• Use the information contained in your complaint to improve our services.

4.3. What if you are not satisfied?

If you are not satisfied with our final response, you can contact the Complaints Service of the Directorate General of Insurance and Pension Funds.

The contact details are:

4.4. Legislation and jurisdiction

You as the Insured and We as the Insurer submit to Spanish legislation and jurisdiction for the purposes of this Policy.

The competent judge for the recognition of actions arising from the Policy will be the one of His Usual Domicile (that of the Insured).

4.5. Control

We, GENERALI ESPAÑA SA DE SEGUROS Y REASEGUROS, are a Spanish insurance company whose administrative control body is the Ministry of Economy and Competitiveness, through the Directorate General of Insurance and Pension Funds, responsible for controlling insurance activity and protecting the freedom of policyholders to decide on insurance contracts and maintaining contractual balance in existing insurance contracts.

Coverage and limits

1. Trip cancellation

COVERED RISKS

1. Cancellation of a trip not yet started, up to the contracted limit. (Up to €300, €600, €1,000, €1,500, €3,000, €6,000) Maximum compensation per claim:
2. Trip Interruption

2. COVID-19 Coverage

2.1. Assistance

We consider COVID-19 like any other illness. Therefore, our Assistance coverage includes COVID-19 as just another illness. However, we exclude the consequences of movement restrictions as a result of the Covid pandemic (lockdowns, border closures, state of emergency, general quarantines, etc.).

The maximum amount of expenses we pay in each case is that indicated in the affected guarantees of the contracted modality.

2.1.1. What Your Policy Covers

Important Clarification

You will be entitled to the coverages indicated, provided they are included in the policy you have purchased. Some of the coverages described below may not be included in your policy, and therefore you will not be entitled to them.

Please read your policy carefully.

• Medical/hospital assistance if you become ill with COVID-19
• Diagnostic test (PCR) to confirm COVID-19 infection if:
  • You are experiencing symptoms
  • You have no symptoms, but you are required to test positive at a hospital or medical center for treatment of another illness or accident.
• Return transfer to your home if you cannot return by the means provided because you have been ill with COVID-19
• Transfer of mortal remains if you die from COVID-19. Provided there are no legal, governmental or health-related impediments.
• Extension of hotel/accommodation stay if you are ill, but do not require hospitalization. Hotel stays must be prescribed by a doctor.
• Early return if a direct relative of yours:
  • Dies from COVID-19 or
  • He is hospitalized with COVID-19

2.1.2. What Your Policy Does Not Cover

• Transfer back to your usual residence if you are not ill, but cannot return by the means provided for due to the pandemic situation (border or airport closures, flight cancellations, for example).
• Extension of hotel stay if you are not ill, even if the authorities have ordered you to be confined or have restricted mobility.
• Early return if a direct family member of yours is ill with COVID-19 in an asymptomatic way or with a disease process that does not require hospitalization.
• Cost of diagnostic test (PCR):
  • If you have no symptoms,
  • unless it is required in order to treat you for any other illness or accident or
  • if the authorities of the country where you are located request it after you have completed your COVID-19 quarantine or have recovered from the disease.
• The resort/hotel where you are staying is placed under complete quarantine.

2.2. Cancellation

We treat COVID-19 like any other illness. Therefore, our Cancellation Guarantee includes COVID-19 as just another illness. However, we exclude the consequences of movement restrictions as a result of the Covid pandemic (lockdowns, border closures, state of emergency, general quarantines, etc.). The maximum amount of cancellation fees we pay is that indicated in the contracted option.

2.2.1. What Your Policy Covers

• If you or a direct relative of yours dies from COVID-19 between the purchase of the insurance and the date the trip begins.
• If you become ill with COVID-19 in the two weeks prior to starting the trip and do not require hospitalization.
• If you become ill with COVID-19 and are hospitalized in the four weeks prior to the start of the trip
• If you or your companion are under medical quarantine due to COVID-19 on the date the trip begins. The quarantine must be prescribed by a doctor.
• If a direct relative of yours is hospitalized with COVID-19 and this prevents you from making the trip.
• If you are denied boarding because you have a fever or other symptoms, you must present a positive COVID-19 test taken on the same day or within the following three days.
• If the authorities of your country require your presence or services as part of the response to the situation created by COVID-19.

2.2.2. What Your Policy Does Not Cover

• If you cancel the trip because the authorities of the place of origin order you to be confined or restrict mobility.
• If you get sick with COVID-19 and cancel the trip too far in advance, without waiting to find out if you will be fit to travel on the scheduled date.
• If you cancel the trip because you are afraid to travel due to the pandemic situation.
• If you cancel the trip because the destination country does not allow travelers from other countries.
• If the authorities at the destination of the Trip order to be confined or restrict mobility and this situation was known before the Trip began.
• If you are denied boarding because you have a fever or other symptoms and:
  • does not have a positive COVID-19 test taken on the same day or in the following three days or
  • The test result is negative
• If the airline cancels flights before the trip begins or during the trip.
• If the authorities close the airspace before or during the trip.

These General Terms and Conditions have been drafted in a simplified manner to make them as easy to understand as possible. Please read them carefully and ask your Mediator or any of the following for any clarifications you may need:

Generali branches.

www.generali.es

GENERALI ESPAÑA, SA DE SEGUROS Y REASEGUROS. Registered Office: c/ Orense, nº 2. 28020 MADRID. Tax ID: A-28007268. Madrid Commercial Registry. Volume 24,758, Folio 179, Section 8, Sheet M-54,202, Entry 1,161.