Generali Viajero Single-Trip Travel 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: Pl. de Manuel Gómez-Moreno, 5, 28020 Madrid. Tax ID: A-28007268. Madrid Commercial Registry, 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 Pl. de Manuel Gómez-Moreno, 5, 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

If a claim 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 claim 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 guarantee the assistance coverages during a temporary trip detailed herein as a result of an unforeseen event in the cases and conditions provided for in the policy, provided that the following occur:

• During the Insured's trip
• Outside their usual residence
• Within the covered territorial scope
• During the contracted period

We guarantee the risks included in the contracted modality with the limits indicated therein. The policy guarantees will cease to have effect once the Insured has finished the trip and returned to their usual residence (unless we expressly indicate in the guarantee itself that it ends at another time).

Contracting options and optional modules

These General Terms and Conditions contain all the insurance and options we offer.

The insurance, contracted options and economic limits will be listed in your Special Conditions, along with the coverage period and territorial scope. Please read these General Terms and Conditions carefully, along with your Special Terms and Conditions. Travel Assistance Insurance (Temporary Coverage)

• Viajero
• Viajero Plus
• Viajero Premium

Additional optional coverages beyond the Assistance insurance (Viajero, Viajero Plus or Viajero Premium) cannot be purchased independently of the Assistance insurance. Additional optional contracting modules

• Cancellation Guarantee
• Guarantee of Pre-existing Conditions

The Pre-existing Condition Guarantee can only be purchased with Viajero Assistance, Viajero Plus and Viajero Premium insurance.

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. We will explain in detail what the coverage of each warranty or module is.
• We will tell you what is excluded in each warranty or in each module.
• 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.

2. Your policy

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; we will indicate all of this in your Special Conditions.
• Your policy is intended only for people residing in Spain.
• Only events that take place within the insurance period are covered.

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.
• By visiting https://generali.eclaims.europ-assistance.com 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 insured coverage if this obligation is not met.

Specifically, you must inform us of any changes related to:

• Your address
• Trip destination
• Departure or return dates
• If you have contracted the Sports Guarantee module, participation in any excluded sport or activity

Some of the changes may require you to pay an additional premium before you can make them. If you have any questions, you can contact our customer service department.

Customer Service

Phone

• From Spain 900 903 433
• From Abroad: (+34) 91 112 34 43

E-mail

customerservice.es@generali.com (exclusively for policy consultation and contracting)

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:

• Chronic and pre-existing illnesses (unless you have contracted the Pre-existing Conditions Guarantee module and/or except as indicated in the guarantees “Medical expenses outside the country of usual residence”, “Medical expenses in the country of usual residence” and “Medical transfer of the sick and injured”)
• Facts indicated in the sections General Conditions and General Exclusions
• Facts indicated in the section "What your policy does not cover" of each guarantee or module
• 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.

3. How to contact us

Please make sure you have your policy number when you contact us.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

TRIP CANCELLATION, INTERRUPTION, AND DELAY 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 authorized expense payment and track its status.

REQUEST FOR COMPENSATION OR PAYMENT OF 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 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.

E-mail

Address postal

COMPLAINTS SERVICE claims.es@generali.com Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Pl. de Manuel Gómez-Moreno, 5, 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 those claims that occur within the insurance policy's validity period will be covered.
• In general, we reserve the right to request the originals of any type of required documentation if we deem it necessary.

Surcharges on the premium

People over 75 years of age will have a 100% increase in the Premium.

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.

Once your trip has started, you can extend the duration of your Europ Assistance policy if, before the initial policy expires:

1. Contact our Customer Service or
2. Take out a new policy that is consecutive to the previous one.

Under no circumstances, once the trip has begun, will any situation prior to the extension date be covered, nor will it be permitted to purchase a policy that is not consecutive to the previous one..

Start of insurance coverage

Coverage will begin on the date indicated in the Special Conditions of your policy, even if that date is later than the start of your trip.

For the Trip Cancellation Expenses guarantee, the event causing the cancellation of the trip must occur 72 hours after you have purchased the insurance, unless you purchase the insurance at the same time as you book the trip.

Insurance duration

The duration of the insurance will be as reflected in the Special Conditions of your policy.

Trip duration

The duration will be as specified in the Special Conditions.

Kilometric franchise

You will be covered starting 35 km from your usual residence.

If your usual residence is located on an island, you will be covered starting from 15 km away from it.

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 are covered by the contracted territorial scope, we do not guarantee that we can provide assistance in countries experiencing war, insurrection, or armed conflict of any kind; terrorist acts, revolutions, riots, or popular uprisings, even if not officially declared. If you are in one of these countries before such situations occur and require medical assistance for this reason, we will reimburse you for covered expenses duly documented with a medical report, copies of invoices, and proof of payment.

This insurance provides coverage in the countries or destinations indicated in your policy, except for the countries and territories that are detailed at any given time in: https://www.generali.es/seguros-particulares/viajes.

Important Information You will only benefit from your policy coverage if you have followed the official travel advice published by a government authority in your country of origin. This advice is in effect on the date your trip begins.

The recommendations include “contraindications for travel or movement, unless they are essential.”

Chronic or pre-existing diseases

It will not be covered for chronic or pre-existing conditions:

• unless you have purchased the optional “Pre-existing Conditions Guarantee” module and/or
• except as indicated in the guarantees for “Medical Expenses Outside the Country of Usual Residence”, “Medical Expenses in the Country of Usual Residence” and “Medical Transfer of the Sick and Injured”.

Important Clarification If you have purchased the optional "Pre-existing Conditions Guarantee" module, you will only have coverage in the cases indicated.

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, unless the sports module has been contracted.
3. Do not participate in the sport or activity as a federated competition. School competitions at the destination will be covered.
4. Activities at height should not exceed 4,000 meters.
5. Underwater activities should not be at a depth greater than 30 meters.
6. The sport or activity is not dangerous or high-risk
7. 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. If you do not take the appropriate precautions, we may deduct the amount from any claim for compensation or reimbursement of expenses, or refuse payment.

Subrogation

We assume, up to the full cost of the services we provide, any rights and actions you may have 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 assume 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 documents we may deem necessary.

In any case, we will have the right to use or request that you give 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

You should 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 sent to us by a broker or insurance agent on behalf of the Policyholder will also be valid.

Divergences

If the policy content differs from the insurance proposal or the agreed-upon clauses, the policyholder may file a claim with the insurance company within one month of receiving the policy to rectify the discrepancy. If no claim is filed within this period, the provisions of the policy will apply.

International sanctions

We will not provide coverage, nor assume any claims, 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 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.

Definitions

All words and expressions defined below will have the same meaning in the policy.

The definitions appear in alphabetical order.

Accident(ies)/accidental Bodily injury or property damage that occurs during the policy's validity. It must be caused by a sudden, external event unintentional by the insured. An accident that results in the death and/or total or partial disability of the insured, as defined in the aforementioned guarantee, will also be considered an accident for the purposes of the "Accident Insurance" coverage.

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

Insured, you, your, him The individual listed as the insured in the Special Conditions of the policy. 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, blizzards, typhoons, cyclones, cold waves, droughts, 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.

If the trip does not begin or end at the usual residence, we may, at our discretion, make the transfers covered by this policy to the starting point of the trip.

Serious illness / serious accident We consider as Serious any illness or accident that may be associated with any of the following points:

1. That requires hospitalization for at least 24 hours (hospitalization includes a stay in the emergency department)
2. That the pathology justifies having to remain in bed/rest or the cessation of any activity, whether professional or private.
3. Diagnosis of cancer (or other disease) that requires active treatment on the dates of travel.
4. Common or mild illnesses diagnosed and which, in the opinion of our medical team, contraindicate travel.

It will always be necessary that it takes place after the contracting of the policy and that the attending physician advises against the start of the trip on the date foreseen in the medical report.

It will be necessary to provide all the evidence that allows the medical process to be documented and proven conclusively.

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.

Mental illness A disturbance of mental functions and behavior diagnosed by a medical specialist. Mental illnesses are understood like any other illness, pre-existing or not, provided they comply with the insurance definitions and limitations.

Pre-existing or Chronic Illness Any pathology whose symptoms began prior to the contracting of the Policy will be considered a pre-existing or chronic disease, even if a definitive diagnosis has not been reached.

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

Luggage The suitcase(s), bag(s) and similar items, and the clothing and personal hygiene and use items that the insured needs during their trip and that are inside.

Luggage / Sports equipment Items used for the practice of a recognized sport (e.g., rackets, balls, golf clubs).

Stabilization The moment when the airway has been secured, the hemorrhage controlled, the shock treated and the fractures immobilized, interrupting the worsening of the patient's condition and maintaining their vital signs (blood pressure, pulse, respiration and tissue perfusion) over time.

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.

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

Pet Your own dogs and cats that have an identification chip (or a document proving ownership of the cat in Autonomous Communities where chipping is not mandatory for cats) are considered pets. We do not consider dogs classified as "potentially dangerous dogs" in the different Autonomous Communities to be pets.

Public Transportation Public passenger transport that operates on a regular schedule. A regular schedule is defined as one authorized by the competent authorities for public passenger transport, maritime and river transport, public road transport, rail transport, and air transport. Air taxis, helicopters, and aircraft chartered by the State for the transport of military personnel on duty are excluded from regular schedule air transport.

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. These include 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 it a single loss when several damages occur due to the same cause.

Terrorism The actual use of force or violence by any person or group of persons, resulting in material or immaterial damage. This person or group of persons may act alone or in connection with a political, religious, ideological, or similar organization. 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. The policyholder must be a resident of Spain.

Life-threatening emergency Situation requiring medical assistance that needs immediate medical attention as it carries a risk of death or temporary or permanent disability.

Journey The journey made outside the insured's usual residence, from departure to return, and for which this policy has been contracted.

To request Assistance / Compensation / Payment of expenses

Our commitment:

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

To submit your application:

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

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

The 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
• Location if you need assistance
• What assistance do 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 assistance, 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 for medical assistance or 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 will be essential that you provide us with a copy of the invoices and proof of payment.

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. In the case of 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. Medical assistance

1.1. What your policy covers

In the event of illness or accident occurring unexpectedly during your trip, we will pay up to the limits indicated in your Special Conditions the expenses arising from:

• Medical expenses outside the country of usual residence
• Medical expenses in the country of habitual residence
• Dental expenses
• Transfer to hospital in case of emergency
• Extended hotel stay due to illness or accident
• Telephone medical advice
• Medical transport of the sick and injured
• Return of insured companions
• Companion for minors or dependent persons
• Transfer of a driver or vehicle for medical reasons
• Forgetting to take medication
• Reintegration into the travel plan
• Extension of hotel stay for accompanying person “on site”
• On-site travel of a companion
• Transfer of a person to accompany the hospitalized insured person
• Accommodation expenses for one person to accompany the hospitalized insured.
• Accompaniment person's hospital stay expenses
• Medical expenses of the traveling companion
• Transfer of mortal remains
• Companion of mortal remains
• Funeral service
• Compensation for hospitalization
• Optical expenses due to accident

Important Information

This policy is travel assistance insurance, not private medical insurance. Only essential expenses in case of accident or illness during your trip are covered.

You must take into account the policy's terms and exclusions.

1.2. Coverage Content:

1.2.1. Medical expenses outside the country of usual residence

You should contact us as soon as possible so we can arrange assistance.

We will offer you, whenever possible, the option to conduct your medical consultation remotely with our medical team.

What medical expenses do we pay?

If you become unexpectedly ill or have an accident while traveling outside your country of residence, we will arrange and/or pay for:

• Medical expenses and necessary diagnostic tests authorized by our medical team
• hospitalization expenses
• the medications prescribed by the doctor who treated you. We will not pay for the costs of medications for treatments that continue after the trip has ended or that become chronic.
• ambulance expenses ordered by a doctor for a local journey.
• expenses until your stabilization within the first 48 hours of your admission to the hospital if you suffer a life-threatening emergency due to an unforeseeable complication of a pre-existing or chronic illness.

If you are on board a cruise ship, we will only arrange and/or pay for your assistance and transfer when you are on land.

What amount do we pay? Up to the limit corresponding to the contracted modality for each Insured and contracted period, during the validity of the insurance. The economic limits indicated for the different territorial areas cannot be accumulated.

What if they treat you at a Social Security center? Within the stated limit, we will pay the portion of expenses not covered by Social Security for the items indicated above.

What happens if we don't intervene directly?

In order for us to reimburse your expenses, you will need to provide us with:

• Copy of the invoices and proof of payment
• A complete medical report issued by your treating physician, including symptoms, tests performed, diagnosis, and treatment. We reserve the right to request additional medical reports and background information if we deem it necessary.

1.2.2. Medical expenses in the country of habitual residence

You should contact us as soon as possible so we can arrange assistance.

We will offer you, whenever possible, the option of conducting your medical consultation remotely with our medical team.

What medical expenses do we pay? If you become unexpectedly ill or have an accident during your trip in your country of habitual residence, we will arrange and/or pay for:

• Medical expenses and necessary diagnostic tests authorized by our medical team
• hospitalization expenses
• the medications prescribed by the doctor who has attended to him. We will not pay for the costs of medications for treatments that continue after the trip has ended or that become chronic.
• ambulance expenses ordered by a doctor for a local journey
• expenses until your stabilization within the first 48 hours of your admission to the hospital if you suffer a life-threatening emergency due to an unforeseeable complication of a pre-existing or chronic illness.

If you are on board a cruise ship, we will only arrange and/or pay for your assistance and transfer when you are on land.

What amount do we pay? Up to the limit corresponding to the modality contracted by each insured and contracted period, during the validity of the insurance. The economic limits indicated for the different territorial areas cannot be accumulated.

What if they treat you at a Social Security center? Within the stated limit, we will pay the portion of expenses not covered by Social Security for the items indicated above.

What happens if we don't intervene directly?

In order for us to reimburse your expenses, you will need to provide us with:

• Copy of the invoices and proof of payment.
• A complete medical report issued by your treating physician, including symptoms, tests performed, diagnosis, and treatment. We reserve the right to request additional medical reports and background information if we deem it necessary.

1.1.3. Dental expenses

If you need dental assistance in case of emergency, we will pay the expenses of a dentist.

We will pay until the limit corresponding to the contracted modality, within the limits indicated in “Medical expenses outside the country of "Usual residence" and "Medical expenses in the country of usual residence". The following are excluded: endodontics, aesthetic reconstructions of previous treatments, prostheses, crowns and implants.

1.1.4. Transfer to hospital in case of emergency

If during your trip you become ill or have an accident that prevents you from traveling to a medical center on your own, we will arrange and pay for the following expenses:

• to transfer you to and from the hotel to the nearest hospital or clinic and
• Medical attention will be provided during the transfer if necessary.

We will carry out this transfer according to our medical judgment.

1.1.5. Extension of hotel stay due to illness or accident

If you become unexpectedly ill or have an accident during your trip and:

• you don't need to be hospitalized,
• cannot continue his journey and,

Our medical team recommends that you extend your stay. We will pay for the hotel stay expenses up to the limit corresponding to the contracted modality and for a maximum of 14 days. We will pay for these expenses when they were not originally included in your trip.

The stay includes accommodation and meals.

1.1.6. Telephone medical guidance

Do you have medical questions?

Call us if you have medical questions, such as understanding test results, or if you need information about medications. Our doctors will answer your questions and advise you, but They will not be able to order treatments or make diagnoses. Service hours: From 9:00 to 19:00 every day (Spanish Peninsular Time).

1.1.7. Medical transfer of sick and injured people. When and where are we going to transfer them?

• If you become unexpectedly ill or have an accident and there are no suitable means to treat you where you are, we will transfer you to the nearest hospital that is equipped to treat you.
• If you suffer a life-threatening emergency due to an unforeseen complication of a pre-existing or chronic illness, We will transfer you to the nearest hospital that is equipped to treat you.
• If you have already been discharged from the hospital, whether you suffer from a pre-existing illness or one that arose during your trip, but you are not in a condition to continue your trip or your scheduled trip has already ended, we will transfer you to your usual residence.
• If you are going to be hospitalized for an extended period, but are medically stable enough to travel according to your attending physician, We will transfer you to your designated hospital near your usual residence.

Our medical team will always be the one to assess and authorize transfers, taking into account exclusively medical criteria.

How are we going to move him?

Once you notify us, our doctors will contact the doctors who are treating you. We will assess the severity of your situation to authorize the transfer. We will only consider medical reasons and will always respect current international health measures.

We will carry out this transfer, always at the discretion of our medical team, using the following means:

• Ambulance
• Scheduled airliner
• Train
• Air ambulance
• Medical helicopter
• Any other means that our medical team considers most appropriate in each case.

The use of air ambulances or helicopters is excluded when the accident occurs outside of Europe or the countries bordering the Mediterranean. Our medical team will decide which method is most appropriate. If you refuse the transfer at the time and under the conditions decided by our doctors, we will cancel all guarantees and expenses resulting from this decision.

If we do not organize the transfer, we will only pay for the costs of said transfer up to the limit corresponding to the contracted modality.

1.1.8. Return of insured companions

We will pay for the trip of a person, insured or not, who has stayed with you or delayed their return to accompany you during your illness, accident or death. If you are traveling with other people who are also insured and cannot return home because:

• We have had to transfer you due to an unforeseen or serious illness or accident either
• You have died

We will organize and pay for the travel of said insured companions to the place where the trip started or to the hospital where you are located.

How are we going to move them? We will carry out this transfer using the following means:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

1.1.9. Companion for minors or dependent persons

You are traveling with children under 14 or with dependents and you cannot take care of them because you:

• has had an accident
• He has unexpectedly fallen ill.

How can we help you?

We offer you the possibility of having someone accompany these minors or dependent persons to return to their usual residence, if there is no other person with you who can take care of them. You can choose that:

1. We will relocate the person you or your family designate who resides in the same country as you, or
2. Let's replace a person we trust.

How do we do it? We will organize and pay for the companion's round trip in:

• scheduled airline (economy class),
• train and/or
• any other means of transport that we consider appropriate in each case.

1.1.10. Transfer of a driver or vehicle for medical reasons

If during your trip you are unable to drive due to an unforeseen illness or accident, we will take care of:

1. move the vehicle to your usual residence or
2. to transport, from your usual residence, a driver of your choosing to drive the vehicle and transport the other occupants to said residence.

We will not be responsible for any consequences that may occur:

• if the driver you have chosen does not have the necessary driving licenses
• if your vehicle insurance does not authorize another driver

We will provide this service only if no other passenger in the vehicle can drive it and if the vehicle meets safety standards and legal requirements.

What expenses do we pay?

1. The transfer of the vehicle in a collective tow truck to its usual residence or
2. The travel expenses of the driver chosen by you, and daily living expenses for the duration of the trip up to the limit of the contracted option.

The return journey will be made via the fastest and most direct route, according to the official mileage tables.

The driver is obliged to comply with the legislation on the use and circulation of vehicles in the countries through which he is driving.

You will have to pay:

• Toll expenses
• Vehicle maintenance
• The fuel
• The upkeep of the occupants

1.1.11. Forgetting to take medication

If you need medication during your trip abroad that you forgot at home, we will pay the shipping costs if:

1. You cannot buy it where you are because it requires a prescription. We will arrange and pay for your visit to a doctor to get a prescription if they deem it necessary.
2. You cannot buy another medicine with the same active ingredient where you are located; you must arrange the purchase and shipping in your country of residence.

You must comply with the rules and laws of the affected countries (health and customs authorities).

In order for us to reimburse these expenses, we need you to send us the prescription for the prescribed medication before your trip, copies of the invoices, and proof of payment. The invoices or proof of payment must include a detailed breakdown of the charges.

1.1.12. Reintegration into the travel plan

We will help you get back on track with your planned trip if you have had to interrupt it due to an unforeseen or serious illness or accident covered by your insurance. When can we help you? When our medical team determines that you have recovered and can travel again, and when the scheduled trip has not yet ended.

How do we do it?

We will organize and pay for:

• train ticket,
• scheduled airline ticket, economy class and/or
• any other means of transport and/or connection that we consider appropriate in each case.

Who are we organizing it for? For you and for one person who has stayed with you. Did we intervene in any other cases?

When we transfer you to your usual home or a hospital center near it. In this case, if an insured companion has traveled with you, we will also arrange and pay for their transfer so that they can rejoin the scheduled trip.

1.1.13. Extension of hotel stay for accompanying person “on site”

If you are hospitalized during your trip due to an unforeseen illness or accident, we will pay for an insured companion's hotel stay to accompany you during your hospitalization. If you are a minor and are not hospitalized, but must stay in the accommodation or extend your stay due to medical prescription, we will pay these expenses for a person who stays with you.

We will pay for your companion's hotel accommodation expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. We will pay these expenses when they were not originally included in the trip.

1.1.14. Travel of an accompanying person “on site”

If you are hospitalized due to a serious illness or accident, we will pay the transport costs for an insured companion who is traveling with you.

Transportation costs will be those necessary to travel daily from the hotel to the hospital where you are located. We will pay up to the limit corresponding to the contracted modality. In order for us to reimburse these expenses for your companion, we need you to send us a copy of the invoices and/or tickets and proof of payment.

1.1.15. Transfer of a person to accompany the hospitalized insured person

If you are hospitalized for more than five days and do not have a close relative by your side, we will arrange and pay for the travel of one person from their country of residence. What if the insured is a minor? Situation A He has been hospitalized for more than two days and has no immediate family with him. We will arrange and pay for the trip for two people from their country of residence. Situation B He is not hospitalized, but must remain in his accommodation or extend his stay due to medical advice, and he has no immediate family member with him. We will arrange and pay for someone to travel from their country of residence to accompany him from the moment he has to be alone.

How are we going to move him?

This person's (or people's) round trip will be made by:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

1.1.16. Accommodation expenses for a person to accompany the hospitalized insured person

If you are hospitalized for more than five days and do not have a close relative by your side, we will pay for the hotel stay of the person who travels from their usual residence to accompany you.

What if the insured is a minor? Situation A

He has been hospitalized for more than two days and has no immediate family with him. We will arrange and pay for the accommodation of two people traveling from their country of residence. Situation B He is not hospitalized, but he must remain in his accommodation or extend his stay due to medical advice and has no immediate family member with him. We will pay for the hotel stay of the person accompanying him from the moment the insured has to stay alone. We will pay for the hotel stay expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals. If we do not manage it ourselves, your companion must send us the medical information that justifies it, the copy of the invoices and the proof of payment so that we can pay these expenses.

1.1.17. Hospital stay expenses of the companion

If the Insured is hospitalized for more than five days (or two days if the Insured is a minor) and does not have a direct relative by his side, we will pay for the stay in the clinic of the person (or people) that we have moved from their usual home to accompany him.

We will pay for the accommodation expenses up to the limit corresponding to the contracted modality.

The stay includes accommodation and meals. If we do not manage it ourselves, your companion must send us the medical information that justifies it, the copy of the invoices and the proof of payment so that we can pay these expenses.

This guarantee cannot be combined with any other guarantee for which we pay for the accommodation expenses of your companion (for example, “Accommodation expenses of a person to accompany the hospitalized Insured” or “Extension of hotel stay for accompanying person on site.”

1.1.18. Medical expenses of the traveling companion

If the person we have sent to accompany you becomes unexpectedly ill or suffers an accident, we will arrange and/or pay for up to the limit corresponding to the contracted modality:

• Medical expenses and necessary diagnostic tests authorized by our medical team
• hospitalization expenses
• the medications prescribed by the doctor who treated you. We will not pay for the costs of medications for treatments that continue after the trip has ended or that become chronic.
• ambulance expenses ordered by a doctor for a local journey

When will we pay these expenses?

• when you travel outside of Spain without the company of a direct relative and need a companion because you have an illness or an accident, and
• while the displaced person is accompanying you and needs medical assistance.

1.1.19. Transfer of mortal remains

If you pass away for any reason during your trip, we will transfer your mortal remains or ashes to your country of habitual residence. Where will we move his mortal remains? To the place of burial or cremation within the municipal boundaries of their usual residence.

What expenses do we pay?

We will pay for the expenses of:

• Transfer of the mortal remains
• Embalming
• Minimum coffin required
• Administrative procedures related to the transfer

We will not pay for the rest of the related expenses, such as funeral arrangements and burial. And in the case of incineration? In case of cremation at the place of death, we will pay:

• The cost of incineration and
• The transfer of the urn with the ashes.

If, for legal or organizational reasons, the presence of an escort is required for the transfer of the urn to your usual residence, we will organize and pay for the travel of a person from the country of your usual residence.

This person's round trip will be made by:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

If the transfer is rejected at the time and under the conditions decided by us, we will cancel all guarantees and expenses resulting from this decision.

If the transfer cannot be carried out for reasons other than the organization of the transfer itself, we will pay the custody expenses for the first fifteen (15) days. If we do not organize the transfer, we will only pay the costs of said transfer up to the limit corresponding to the contracted modality.

1.1.20. Companion of mortal remains

If you pass away during the journey and there is no one to accompany your remains during the transfer to the burial site, we will arrange and pay for the round trip of a companion in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

When the means of transport is by plane, your companion may have to travel on a different plane than the one that will transport your mortal remains. His family members must designate the person who will travel from the country of his usual residence to accompany his mortal remains on the return journey.

We will also pay for the companion's hotel expenses up to the limit corresponding to the contracted modality. The stay includes accommodation and meals.

In order for us to cover these expenses, the accompanying person needs to send us copies of the invoices and proof of payment.

1.1.21. Funeral service

If you die during your trip, we will pay your beneficiaries for the funeral expenses. For example:

• Coffin
• Funeral transportation and escort
• Religious services
• Cemetery services
• Funeral Home
• Niche
• Burial or cremation
• Crowns
• Reminders
• Obituary and other accessories
• Any other related expenses.

We will pay up to the limit corresponding to the contracted modality.

In order for us to cover these expenses, your heirs or beneficiaries must send us copies of the invoices and proof of payment. The invoices or proof of payment must detail the expenses.

1.1.22. Compensation for hospitalization

If you become unexpectedly ill or have an accident during your trip and are hospitalized outside the province of your usual residence, we will compensate you for each day you are in the hospital.

We will pay you for each day from the eleventh day onwards, up to the amount corresponding to the contracted modality. The compensation will end when:

• you receive hospital discharge,
• be transferred to a hospital within the province of their usual residence, and/or
• transfer him to his usual residence.

1.1.23. Optical expenses due to accident

We will reimburse you for the cost of purchasing or repairing prescription glasses or contact lenses. We will pay these expenses up to the limit of the contracted plan. When will we pay these expenses? If during your trip:

1. You have an accident and your glasses break or become unusable.
2. You have an accident and lose one or both contact lenses (non-disposable contact lenses only).

In order for us to reimburse these expenses, you will need to provide us with:

• part of the accident
• photograph of the broken glasses or the contact lens that has not been lost (in case only one was lost)
• Report from the optician certifying that the glasses cannot be repaired or that the cost of repair is higher than new ones (if they cannot be repaired)
• copy of the invoice and proof of payment (for the purchase or repair).

1.3. 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 and modules of the policy.

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

• Pre-existing or chronic illnesses, injuries or conditions suffered by you before the contracting of the policy except as indicated in the guarantees of Medical expenses outside the country of usual residence, Medical expenses in the country of usual residence and Medical transfer of the sick and injured. This exclusion will not apply if you have contracted the Preexisting Conditions module.
• Preventive medical check-ups, thermal spa treatments, 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.
• 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.
• Illnesses or accidents resulting from the consumption of alcoholic beverages, narcotics, drugs or medications, unless the latter have been prescribed by a doctor.
• 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.
• The medical transport of sick or injured persons due to conditions or injuries that can be treated “in situ”.
• Voluntary waiver, delay or advance on your part of the medical transfer proposed by us and agreed by our medical service.
• 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. This exclusion will not apply:
  • in the event that the replacement or installation of said elements was motivated by a covered loss,
  • if you have contracted the PRE-EXISTING module.
• Endodontics, aesthetic reconstructions of previous dental treatments, prostheses, crowns and dental implants.
• Reimbursement of medical, surgical and pharmaceutical expenses amounting to less than 50 euros is specifically excluded.
• 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 their life is at risk.
• Consequences arising from driving vehicles on roads that are not ordinary or not suitable for traffic.
• The practice of any sporting and/or adventure activity, professionally or for which remuneration is received (including training).
• The practice of sports activities when the Insured participates in federated competitions.
• The practice of sports activities, if they are the main reason for your trip, is also excluded, as is the practice of any dangerous or high-risk sport or recreational activity, such as those indicated below or similar:
  • LAND SPORTS: Bungee jumping, canyoning, mountaineering above 4,000m. Canyoning, via ferrata, abseiling, alpinism, glacier access, caving, climbing, downhill biking, caving, halfpipe
  • WATER SPORTS: surfing, windsurfing, kitesurfing, fly surfing, bodyboarding, jet skiing, water skiing, extreme kayaking, whitewater rafting/hydrospeeding, canoeing, busbob, hydrobob, driverless motorboats, deep-water soloing, cliff jumping, underwater activities with dives over 30 meters deep.
  • WINTER SPORTS. Alpine skiing, snowboarding, glacier access. Also, off-piste activities.
  • MOTOR SPORTS: except for guided/instructor organized excursions. Driving motor vehicles in races or rallies, trial bikes and motocross
  • AIR SPORTS: Hot air balloon, Tethered balloon, Helicopter flight, Paragliding, Hang gliding, Skydiving, Freefall, Wingsuit flying, Sky surfing, BASE jumping, Paramotoring, Paratriking, Ultralight flying, Gliding, Slacklining, Highlining, Rap jumping
  • MARTIAL ARTS: Boxing, weightlifting, wrestling (in its various forms), karate, kickboxing, muay thai, judo, freestyle wrestling, Greco-Roman wrestling, jiu jitsu, wushu, sanda, sambo, taekwondo…
  • BULLFIGHTING ACTIVITIES: Bullfighting, running of fighting bulls and any participation in bullfighting shows;
• Hunt

In general, any sport or recreational activity that is clearly dangerous or high risk is excluded.

1.4. Procedures in case of an accident

What you should do before and during your request for Assistance:

1. You must inform us of your illness or accident as soon as possible. In the event of force majeure that prevents you from making this notification, you must do so as soon as the cause preventing you from doing so ends.
2. You must inform us of the incident within a maximum of 7 days from the moment you became aware of it. If you do not do so, we may claim for any damages incurred as a result of your failure to inform us.

We will provide the necessary instructions for the requested service to be provided.

Phone

24-HOUR TRAVEL ASSISTANCE
900 903 326 (from Spain)
(+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

If you do not accept our decisions and/or do not want to be repatriated in the way we indicate, we will not be able to provide you with the coverage included in the guarantees:

• Medical assistance
• Accident insurance
• Pre-existing conditions module
• Optional modules: coverage relating to accidents and illness occurring during the trip.

We will have to reject applications related to these guarantees and coverages.

The rest of the coverage remains in effect during your trip.

1.5. Documentation that you must provide us:

In all cases you will need to provide us with:

• A medical report that is as complete as possible. It must have been issued at the location where the assistance was needed.
• If the medical report is handwritten and/or was not issued by a specialist physician, and our medical team requests it, you will need to send us:
  • a copy of the prescription for the medicines that the doctor has prescribed and
  • proof of payment for these medicines.
• Copy of the medical expenses invoice and proof of payment.
• Any other document that we may request in order to manage your case.

Important Information If you act contrary to the instructions we give you, you will be responsible for any expenses incurred as a result of such non-compliance.

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. All insured events must occur after the trip has begun. The insured causes, which must occur once the trip has begun, are: For health reasons:

1. Serious illness, serious bodily injury or death of:
   • you
   • a relative of yours in the first or second degree of kinship
   • the person who was taking care of their minor or disabled children in their care
   • the insured's legal guardians
   • your professional replacement
   • his direct supervisor in his workplace, provided that this circumstance prevents him from carrying out or continuing the trip due to the requirements of the company he works for.
2. Death of a relative of yours within the third degree of kinship.
3. If you or a first-degree relative of yours are unexpectedly called for a surgical procedure, provided that you were already on the waiting list before taking out the policy.
4. If you or a first-degree relative of yours are called to undergo medical tests, carried out by Social Security, provided that the seriousness of the case justifies them.
5. If you, your spouse, or registered domestic partner in the corresponding Official Registry have complications during pregnancy and your attending physician prescribes bed rest, provided that the pregnancy is considered high-risk.
6. Premature birth of the Insured, their spouse, civil partner or person who permanently lives with the Insured as such
7. If you, your spouse, or registered civil partner suffers a miscarriage.
8. If you or a first-degree relative of yours are scheduled for an organ transplant, provided that you were already on the waiting list before taking out the policy.
9. If any of your children or siblings under the age of two who are covered by this insurance become unexpectedly ill.
10. If you suffer from an unforeseen illness that, according to your attending physician, prevents you from carrying out the sporting or recreational activity that is the purpose of the trip.

For legal reasons:

11. If you are summoned as a party, witness in court, or member of a jury.
12. If you are summoned as a member of an electoral board.
13. If you are detained by the police (provided it is not for a crime).
14. If you are summoned for proceedings related to your divorce.
15. If you are going to be given a child for adoption on the dates planned for your trip.
16. If your visa is denied without a justified reason by the consulate.
17. If you are summoned by an official body to go and sign a document in person.
18. If you are given a traffic fine exceeding 600 euros on the dates planned for the trip, provided that both the infraction and the fine occur after the policy is taken out.
19. If your driving license is withdrawn and none of the companions can replace you in driving the vehicle, provided that this was the means used to make the journey.

For work-related reasons:

20. If you are dismissed from your job, it must be a non-disciplinary dismissal.
21. If you start a job at a new company where you haven't 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, not the TEA.
22. If you have to take official competitive examinations on the dates of your trip, either as a candidate or as part of the examination board.
23. If your employment contract is extended.
24. If you are required to relocate and have to change your address to another province.
25. If your working hours are reduced, totally or partially, due to the filing of a Workforce Adjustment Plan by the company where you are employed.
26. If one of the insured's parents, who paid for the trip, is dismissed from their job, it must be a non-disciplinary dismissal.

Due to extraordinary circumstances:

27. Serious damage to your residence (primary or secondary) or business premises, when your presence is essential. We will consider damage caused by fire, theft, explosion, flood, or natural disasters to be serious.
28. If you are unable to start or continue your journey because acts of air, land or sea piracy have occurred at any point along the route.
29. If the Authorities officially declare the place from which you begin your journey or the destination of your journey a “disaster zone”.
30. If a terrorist act or natural disaster, officially declared by the authorities, occurs at your destination. This must happen within 30 days before or during your trip and within 50 km of your destination.
31. If your company is declared bankrupt.
32. If you are required to join the Armed Forces, Police or Fire Department urgently and without exception.
33. If your attending physician prescribes a medical quarantine, including for risk of contagion.

Other reasons:

34. If you receive a parallel income tax return issued by the Ministry of Finance for an amount exceeding 600 euros.
35. If you cancel the trip because you have won a similar one in a public draw before a notary.
36. If your travel documents or luggage are stolen during your trip and you are unable to start or continue your trip for that reason.
37. 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 or continue your trip.
38. If you are awarded an official scholarship that coincides with the dates of your trip.
39. If you cancel your wedding ceremony (duly accredited) and the purpose of the trip is a honeymoon trip.
40. If you or your children living with you are changed to a different school after the start of the school year.
41. Death, serious illness or serious accident of your pet.
42. If you decide to cancel the cruise that is the subject of the trip due to a flight delay of more than 6 hours.

The covered causes must occur after your trip has already begun.

When you interrupt your trip for any of the insured reasons, we will also pay the expenses of your immediate family members traveling with you and those of up to a maximum of two companions when any of these requirements are met:

• that they have travel insurance with us and with coverage for the same travel dates
• that can justify that the destination and travel dates are the same

If you interrupt your trip for any of the insured reasons, we will also pay the expenses of minors when:

• are covered by this insurance,
• are on the same travel reservation as you,
• are in their care during the trip and
• You interrupt your trip for any of the insured reasons.

We will not pay for the expenses of interruption of minors if the policyholder is a legal entity, and the person interrupting the trip:

• is an employee of, or professionally related to, the policyholder,
• And he is responsible for the minors.

What expenses do we not pay?

• the cost corresponding to this insurance
• the services contracted during the trip or once it has started.

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 and modules of the policy.

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 due to these diseases will also be excluded, unless prescribed by your attending physician.
• Diseases caused by air pollution and/or contamination.
• 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 their life is at risk.
• Any cause that requires you to cancel or interrupt the booked trip is expressly excluded if it is not described as a covered cause in the corresponding article.
• Cancellation or interruption of the trip due to lack of vaccination, 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 or force majeure circumstance that implies not being able to carry out the activity planned for the trip, except for coverage of official declaration of catastrophic 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.
• Their desire not to travel or not to be enjoying their trip.

2.3. Procedures in case of an accident

What you should do before and during your request for assistance:

You must inform the travel agency, tour operator or transport and/or accommodation service provider of the trip interruption as soon as you know about it.

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 reimbursement of expenses and track its status.

2.4. Documentation that you must provide us:

In order for us to cover the costs of continuing your trip, you need to send us:

• Proof issued and stamped by a third party indicating the reason that makes it impossible to continue the trip. This receipt:
  • It must be done by a qualified professional.
  • You cannot do it, nor can a direct relative, companion, or one of your employees.
  • You must include the reason for the interruption of the trip and the date on which that reason occurred (hospitalization, death, accident…). For example: medical report issued by the doctor who treated you, death certificate, fire department report, police report, insurance company report… We consider as a “third party” any person who is not you, nor a direct relative, companion or employee of yours.
• Copy of the invoice and/or receipts for payment of your trip to the supplier or suppliers.
• Any document we request in order to manage your case.

Advice

It is essential that the expenses are justified in the documentation we request from you.

3. Travel and Flight Incidents

3.1. What your policy covers

For any incidents you may experience during your trip, we will provide you with the following services and reimburse, up to the limits shown in your policy, the expenses arising from:

• Telephone interpreter service abroad.
• Expenses for opening and repairing safes and security boxes.
• Loss of keys to the main residence
• Reimbursement of expenses due to travel delay
• Loss of means of transport due to an in-itinere accident,
• Expenses due to cancellation of the departure of the means of transport due to a strike.
• Mandatory travel extension
• Missed flight connection
• Travel delay due to “overbooking” on air transport
• Compensation for services
• Access to VIP services
• Return of the insured in case of death of a direct relative
• Return of the insured in case of hospitalization of a direct relative
• Early return due to serious accident
• Change of hotel or apartment due to “overbooking” or cancellation
• Loss of visits
• Alternative transport due to loss of links
• Extension of the insurance policy's validity
• Expenses due to the hijacking of the means of transport initially planned
• Travel relocation expenses due to cancellation of the means of transport

3.2. Coverage Content:

3.2.1. Telephone interpreter service abroad

If you require translation services during your trip abroad, we offer a telephone translation service in the following languages:

• Spanish
• English
• French
• German

We will also provide you with the option of contacting interpreters. Any expenses incurred will be your responsibility.

3.2.2. Costs of opening and repairing safes and security boxes

If during your trip you lose the key to the safe or lockbox you have reserved at the hotel, we will pay the opening and repair costs up to the limit corresponding to the contracted modality. You need to send us copies of the invoices for these expenses and proof of payment so that we can reimburse you. You must also present us with the police report or other relevant authorities.

3.2.3. Loss of keys to the main residence

If you lose or have had your house keys stolen during your trip, we will pay for a locksmith up to the limit corresponding to the contracted modality. In order for us to pay these expenses, you must send us a copy of the locksmith's invoice, proof of payment, and the police report of the theft or loss filed with the appropriate authorities.

3.2.4. Reimbursement of expenses due to travel delay

If the means of transport, both on the outbound and return journeys, is delayed by more than 6 hours from the scheduled departure time, or is cancelled, we will pay per journey up to the limit corresponding to the contracted modality.

What expenses will we pay? The actual expenses for the necessary purchase of clothing, food, and essential hygiene items. You must make the purchases in the place where the delay occurred. In order for us to cover these expenses, it is necessary that:

• the delay time is greater than 6 hours,
• the delay or cancellation is due to causes beyond your control,
• the causes are attributable to the transport company
• and send us:
  • Copies of the invoices and proof of payment. The invoices or receipts must include the details, and
  • copy of the delay receipt issued by the transport company

We will only pay the expenses when the delay or cancellation occurs on regular flights. We will only pay for expenses not covered by the transport company.

3.2.5. Loss of the means of transport due to an in-itinere accident

If you miss your means of transport, we will pay up to the limit corresponding to the contracted modality. It must be a means of public, collective, regular line transport with fixed and published schedules that you have contracted.

What expenses will we pay? The actual expenses for necessary purchases of clothing, food, and hygiene items. You must make the purchases at the location where you missed your transportation.

In what cases will we pay? When you have been unable to reach the airport, port, railway station or bus station from where your transport was departing because you have suffered an accident in the means you were using to get there. In order for us to reimburse your expenses, you need to send us:

• part of the accident if it is a private vehicle.
• justification from the public media outlet which also indicates that it will not provide compensation.
• Copies of the expense invoices and proof of payment. The invoices or receipts must include a detailed list of the items.

3.2.6. Expenses for cancellation of departure of the means of transport due to strike

If the transport company cancels the departure of the public transport you have chosen for your journey due to:

• Strike or
• social conflicts

We will pay for your return expenses to your usual residence up to the limit corresponding to the contracted modality. In order for us to pay these expenses, you need to send us a copy of the invoices, proof of payment, and a copy of the original receipt issued by the transport company. We will only pay for expenses not covered by the transport company.

3.2.7. Mandatory travel extension

If, at the end of your trip, you must remain at your destination due to:

• Natural disasters, officially declared by the Authorities
• meteorological phenomena,
• terrorist acts,

We will pay the expenses caused by this situation up to the limit corresponding to the contracted option. What expenses will we pay? The costs of extending your stay in the place where you are located or in another place with similar characteristics. In order for us to pay these expenses, you need to send us a copy of the invoices, proof of payment, and a statement of the facts.

3.2.8. Loss of flight connection.

If you miss your connection between two scheduled flights, we will pay up to the limit corresponding to the contracted modality. What expenses will we pay? The actual expenses for the necessary purchase of clothing, food and hygiene items and the transportation costs you may have to pay. You have to make the purchases/spending at the location where the connection loss occurred. In order for us to cover these expenses, it is necessary that:

• the waiting time is longer than 6 hours,
• the loss of connection is due to causes beyond your control,
• the causes are attributable to the transport company
• and send us:
  • Copies of the invoices and proof of payment. The invoices or receipts must include the details, and
  • copy of the receipt issued by the transport company

We will only pay the expenses when the missed connection occurs on regular flights. We will only pay for expenses not covered by the transport company.

3.2.9. Travel delay due to “overbooking” in air transport

If the means of transport is delayed beyond the scheduled departure time due to overbooking, we will pay up to the limit corresponding to the contracted modality. Overbooking occurs when the carrier sells more seats than are available.

What expenses will we pay? The actual expenses for the necessary purchase of clothing, food, and essential hygiene items. You must make the purchases in the place where the delay occurred. In order for us to pay these expenses, it is necessary that:

• the delay time is greater than 6 hours.
• and send us:
  • Copies of the invoices and proof of payment. The invoices or receipts must include the details, and
  • copy of the proof of delay issued by the transport company.

We will only pay the expenses when the delay occurs on regular flights. We will only pay for expenses not covered by the transport company. The amount of these expenses will be equal to or less than the price of the original ticket.

3.2.10. Compensation for services

If during your trip you miss services initially booked or have to pay unforeseen extra expenses due to delays or cancellation of scheduled transportation, we will pay up to the limit corresponding to the contracted modality. These services may include buses for sightseeing, meals, and similar services. The causes of delays or cancellations in transportation are:

• These are broken,
• adverse weather conditions, or
• Force Majeure

Force majeure is an unforeseen, external, unavoidable circumstance beyond your control that occurs during your trip and is not the responsibility of the organizer.

In order for us to reimburse these expenses, we need you to send us:

• copy of the invoices and proof of payment, or
• the corresponding supporting documents
• documentation proving that no compensation has been received from the transport company

You must provide documentation to justify any unforeseen extra expenses. These expenses must be a direct result of your inability to continue your trip.

If you cancel your trip completely, we will apply the "Trip Cancellation" guarantee if you have purchased it instead of this guarantee.

3.2.11. Access to VIP services

If your flight is delayed by more than 3 hours, you will be entitled to access the VIP lounge at the airport where you are located, provided that this service is available.

We will reimburse you for VIP lounge access costs up to the limit corresponding to the contracted option and only when the delay occurs on regular flights.

In order for us to reimburse this expense, you will need to provide us with:

• Copy of the invoice and proof of payment.
• Copy of the delay receipt issued by the transport company

3.2.12. Return of the Insured in case of death of a direct relative

If during your trip a close relative of yours dies in the country of their usual residence, we will arrange and pay for the trip so that you can return to your usual residence sooner. How are we going to move him? The trip will take place in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

When can we help you? We will only pay for your transfer if:

• Your scheduled return trip is not the day after this request.
• the trip takes place within 7 days of the death.

We will organize the trip according to our criteria and taking into account the availability of transport.

3.2.13. Return of the Insured in case of hospitalization of a direct relative

If during your trip a close relative of yours is unexpectedly and unscheduledly hospitalized in their country of residence, we will arrange and pay for a trip to the place of hospitalization in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate.

Hospitalization must have occurred after you have started your trip. The reason for hospitalization must be due to an accident or serious illness and must be expected to last more than 5 days.

3.2.14. Early return due to serious accident

If a serious incident occurs at your home or business premises during your trip, we will pay for a round trip so you can return to your home in:

• scheduled airline (economy class),
• train and/or
• any other means of transport and/or connection that we consider appropriate in each case.

In the event of a serious incident at your business premises, we will only pay for the trip if your presence is essential and you cannot be replaced by a third party.

What is a major accident? It is the one produced by a fire, a robbery, an explosion, a flood or by the forces of nature.

3.2.15. Change of hotel or apartment due to “overbooking” or cancellation

If the hotel cancels your reservation due to overbooking or cancels it at the last minute, we will pay you up to the limit corresponding to the contracted modality.

What expenses will we pay? Accommodation expenses in another establishment of equal or lower category.

In order for us to pay these expenses, you need to send us a copy of the invoices, proof of payment, and the cancellation confirmation issued by the hotel.

We will not pay these expenses if the cancellation has occurred:

• due to social conflicts or
• due to the responsibility of the travel agency where you made your booking.

We will only pay for expenses not covered by the hotel establishment.

You give us the right to claim the amount we have paid from the person responsible for the change of the reserved hotel.

3.2.16. Loss of visits

If you are unable to make the scheduled visits during your trip, we will pay up to the limit corresponding to the contracted modality. In what cases will we pay?

When you are unable to make scheduled visits due to:

• a breakdown or delay in the means of transport you were going to use. In this case, we will only pay for the expenses not covered by the transport company.
• that has required our direct intervention for other guarantees of this insurance (except reimbursement services).

3.2.17. Alternative transport due to loss of links

If you miss your connection with the booked public transport, we will pay up to the limit corresponding to the contracted modality

What expenses will we pay?

• a) the return transport costs to the place of origin,
• b) the transport costs to the final destination or
• c) the transport costs to the next connection point

In what cases will we pay? When the previous form of public transport is delayed or cancelled due to:

• technical failure,
• Strike or social conflict,
• adverse weather conditions,
• natural disasters,
• extraordinary phenomena of nature,
• intervention by the authorities or other persons by force

We will only pay for expenses not covered by the transport company.

3.2.18. Extension of the validity of the insurance

If, due to Force Majeure, the Insured must remain immobilized during the journey, we will extend the validity of their insurance up to the limit corresponding to the contracted modality.

3.2.19. Expenses due to the seizure of the means of transport initially planned

If the public transport you are traveling on is hijacked and this prevents you from traveling, we will pay you up to the limit corresponding to the contracted modality.

What expenses do we pay? We will pay for the transportation costs you incurred to: a) reach your final destination or b) return to their usual residence In order for us to cover these expenses, you need to send us:

• copy of the ticket invoices and proof of payment () and
• documentation justifying the seizure of the means of transport.

We will not pay these expenses if you refused the alternative means of transport offered by the transport company.

3.2.20. Trip relocation expenses due to cancellation of the means of transport

If, as a result of the cancellation of your regularly scheduled and booked transportation, you need to cancel or modify your trip to continue with your itinerary, but the service provider does not provide you with alternative transportation, we will pay up to the limit corresponding to the contracted modality.

What expenses do we pay?

• The excess amount over the amount initially paid for alternative transport costs to the final destination of the trip borne by the supplier, wholesaler and/or travel agency.
• Expenses paid by you for the organization of alternative tourist services to those provided for in the contract and/or for the organization of relocation services.
• The amount of actual and necessary expenses during the wait (food and accommodation) incurred in the place where the cancellation occurs,
• Amount of land services contracted but not used for the first night's stay at the travel destination.

In order for us to reimburse you for these expenses, you will need to send us:

• Copy of the invoices and proof of payment.
• Copy of the cancellation receipt issued by the transport company

We will only pay for expenses not covered by the transport company.

3.3. 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 and modules of the policy.

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

• Overbooking, except for what we indicate in the coverage “Travel delay due to overbooking on air transport”.
• Compensation for delays caused by non-scheduled flights is excluded.
• Any consequence of your not having checked in at the point of departure when you should have done so.

3.4. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must inform us of the incident as soon as possible and always within a maximum of 7 days from the moment you became aware of it. If you do not do so, we may claim for any damages incurred as a result of your failure to inform us.
2. You must inform us of the situation you are in or have been in.
3. You must arrive at the departure point with plenty of time and have enough time to check in.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

CANCELLATION FEES, DELAYS, LOSSES

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 reimbursement of expenses and track its status.

3.5. Documentation that you must provide us:

• Proof of cancellation or delay issued by the airline, or for other transport, the document proving loss or damage.
• Proof issued and stamped by a recognized third party indicating the cause of the event (for example: medical report issued by the attending physician or death certificate, fire department report, complaint filed, report from the fire department insurance…). We consider a “third party” to be any person other than yourself, a direct relative, companion, or employee. The supporting document must state the reason for the cancellation or delay and must include the date it occurred (for example: hospitalization, death, accident…).
• Copy of the invoice and/or receipts for your trip payment to the supplier, as well as a copy of the travel voucher issued by said supplier.
• Any document we request in order to manage your case.

Important Notice

When you receive our compensation, you are authorizing us to file claims with the transport company on your behalf. These claims are filed to recover the money we have paid you.

It also authorizes us to file lawsuits on your behalf if necessary.

4. Luggage and Documents

4.1. What your policy covers

We will pay you up to the limits shown in your policy for any incidents you may experience during your trip related to your luggage and/or documents.

• Search and location of luggage
• Loss, damage and theft of checked baggage
• Damage to and theft of unchecked baggage
• Theft of valuables
• Baggage delay
• Loss or theft of travel documents
• Information on procedures for cancelling cards
• Shipping of personal items
• Theft, destruction or damage to luggage and personal belongings in the vehicle

4.2. Coverage Content:

4.2.1. Search and location of luggage

If during your trip, the airline loses your luggage or delays its delivery:

• we will help you with the search and location management, and
• We will inform you about how to submit the claim to the airline.

4.2.2. Loss, damage and theft of checked baggage

We will compensate you up to the limit corresponding to the contracted modality.

For each item, we will deduct 10% of the purchase price for each year of age. We apply this reduction as a consequence of use and wear.

In what cases will we compensate you?

• When the carrier permanently loses your checked baggage or causes serious damage to it.
• When your luggage or part of it is stolen while checked in.

In order for us to compensate you, you must send us:

• A detailed and itemized list of lost, damaged, or stolen items. You must also provide the purchase date of these items.
• the baggage check-in tag
• the proof of loss or damage issued by the airline (PIR) or for other transport, a document proving loss or damage.
• the document that indicates the decision of the transport company regarding your case (whether or not you have been compensated and how much you have been compensated). We will not request it if the purpose of the trip is a cruise.
• In case of theft, the complaint made to the police or relevant authorities in the place where it occurred.

We will only compensate for amounts that have not been paid by the transport company. We will compensate you up to a maximum of 25% of the total amount covered by this guarantee if you do not present us with the document indicating the decision of the transport company within 30 days.

We will not compensate for:

• theft or simple loss of luggage
• unchecked baggage,
• the component parts or accessories of an object (for example, the lens cap of a camera),
• electronic and digital equipment,
• money, jewelry,
• documents.

4.2.3. Damage to and theft of unchecked baggage

We will compensate you up to the limit corresponding to the contracted modality.

For each item, we will deduct 10% of the purchase price for each year of age. We apply this reduction as a consequence of use and wear.

In what cases will we compensate you? When during your trip:

• they steal his luggage
• Your luggage has suffered damage that prevents it from functioning (not cosmetic). This damage must be caused by theft or by causes beyond your control.

In order for us to compensate you, you need to send us:

• A detailed and itemized list of the stolen or damaged items. You must also indicate the purchase date of each item.
• the complaint made to the police or the relevant authorities at the scene of the incident,
• the complaint to the public establishment where the incident occurred,
• the document that indicates the decision of the public establishment's insurance company regarding your case (whether or not you have been compensated and how much you have been compensated)

We will only reimburse amounts that have not been paid by a third party (for example, a hotel's or bus company's insurance company).

We will not compensate for:

• theft of luggage
• theft of luggage from a vehicle or tent,
• money, jewelry,
• documents,
• the component parts or accessories of an object, independently (for example, the lens cap of a camera).

4.2.4. Theft of valuables

We will compensate you up to the limit corresponding to the contracted modality. In what cases will we compensate you? If during your trip your valuables:

• are stolen or
• They are damaged because people try to steal them.

What are valuable objects? Jewelry, watches, objects made of precious metals, furs, paintings, works of art, silver and goldsmithing in precious metals, unique objects, cameras and radio equipment, sound or image recording or reproduction equipment, as well as their accessories, computer equipment of all kinds, mobile phones, models and remote-controlled accessories.

In order for us to compensate you, you must send us the police report filed with the appropriate authorities in the area where the theft or attempted theft occurred. This report must include a list and the approximate value of the stolen or damaged items.

We will not compensate for:

• theft or simple loss
• theft of items from a vehicle or tent
• the component parts or accessories of an object, independently (for example, the mobile phone charger)
• any damage that may occur due to theft or attempted theft, nor because third parties make improper use of the stolen items.

4.2.5. Baggage Delay

If the carrier is late in delivering your checked baggage, we will pay up to the limit corresponding to the contracted modality.

In what cases will we pay? When the delay is longer than 12 hours or an overnight stay occurs. What expenses will we pay? The expenses for the necessary purchase of clothing and essential hygiene items. In order for us to cover these expenses, you must send us:

• Copies of the expense invoices and proof of payment. The invoices or proof of payment must include a detailed list of the items.
• the baggage check-in tag
• the proof of delay issued by the transport company (PIR)
• The receipt from the transport company indicating that your luggage has been delivered. This document must state the date and time of delivery.

If the carrier declares your luggage as definitively lost, we will deduct the amount paid from the compensation we pay you for "Loss, damage and theft of luggage". We will not pay these expenses when the delay or the purchases are in the province where you have your usual residence.

4.2.6. Loss or theft of travel documents

If during your trip you lose your travel documents or they are stolen, we will pay the expenses you incur to obtain new documents wherever you are.

We will pay up to the limit corresponding to the contracted modality.

In what cases will we pay? When lost or stolen travel documents are:

• bank cards, bank checks or traveler's checks,
• passport or national identity document,
• visas

What expenses will we pay? Administrative costs for managing, obtaining, and replacing lost or stolen documents. The documents must be essential for continuing your trip. In order for us to pay you, you need to send us:

• the receipts for the payment of expenses.
• the report of the theft or loss of the documents made to the police or relevant authorities.

We will not pay for any inconvenience caused by the loss or theft of travel documents, or by the misuse of them by third parties.

4.2.7. Information on procedures for cancelling cards

We will inform you of the steps you need to take to cancel a bank or nonbank card if you lose it or it is stolen. The card must have been issued by a third party in Spain.

4.2.8. Shipping of personal items

We will arrange and pay for the shipping of personal items needed for your trip when:

• may have forgotten them at their usual residence
• may have forgotten them at their travel destination
• have recovered after a robbery and you have already returned to your usual residence.

The personal items needed for the trip are: contact lenses, prosthesis, glasses, credit cards, driver's license, ID card and passport. We will send them to the place where you are (your travel destination or usual address as the case may be). We will pay for the shipping of a package up to 10 kg.

4.2.9. Theft, destruction or damage of luggage and personal belongings in the vehicle

If your luggage or personal belongings are being transported in the vehicle:

• are stolen or
• disappear or are damaged after a traffic accident

we will compensate you up to the limit corresponding to the contracted modality.

In order for us to compensate you, you need to send us:

• File a report with the police or relevant authorities, or a copy of the accident report that includes a list and approximate value of the stolen items
• copy of the accident report or the invoice for the vehicle repair or expert report of the damage caused to the vehicle.

We will not compensate you for theft or robbery of luggage and belongings that:

• are outside the trunk of the vehicle
• are in vehicles that do not have a rear parcel shelf to protect them from being seen from outside the vehicle.

4.3. 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 and modules of the policy.

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

• Theft or simple loss of objects, money, jewelry, documents found in vehicles or tents.
• Theft of luggage or personal belongings found in tents.
• Any consequence of your not having checked in at the point of departure when you should have done so.
• We will not indemnify separately the parts that make up an object or its accessories.

Reimbursement of passport issuance costs is excluded if you do not present proof issued by the consulate of the country where the loss occurred.

4.4. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must complete the Property Irregularity Report (PIR) with the airline at the arrival airport or, for other transport, the supporting document for loss or damage.
2. You must report the incident to the competent authority if it occurs in another means of transport, hotel or accommodation and you must obtain proof of the report in writing.
3. You must report the theft or loss to the police or local authority as soon as possible and obtain written proof of the report.

BAGGAGE, DELAYS, LOSSES

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 reimbursement of expenses and track its status.

LUGGAGE TRACKING, CARD CANCELLATION, SHIPPING OF ITEMS

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your circumstances and the type of assistance you need.

4.5. Documentation that you must provide us:

• In case of theft, report the theft including a list of the stolen items and their value.
• Claim to the transport company that includes a list of the damaged, lost or stolen items and their value.
• The baggage check-in card (if it is checked baggage).
• Copy of purchase invoices and proof of payment.
• Any other document that we may request in order to manage your case.

Important Notice

When you receive our compensation, you are authorizing us to file claims with the transport company on your behalf. These claims are filed to recover the money we have paid you.

It also authorizes us to file lawsuits on your behalf if necessary.

You authorize both us and the companies to which we delegate this function.

5. Travel Assistance Services

5.1. What your policy covers

We will provide you with the following services should you need them during your trip:

• Information Service
• Administrative management and advance payment of hospital expenses abroad
• Reimbursement of administrative expenses for visa extension
• Advance payment of the amount of the criminal bail required abroad
• Payment of legal assistance expenses abroad
• Communication expenses

5.2. Coverage Content:

5.2.1. Information Service

We offer you an information service 24 hours a day, every day of the year. What kind of information can we provide you?

• Tourist information,
• information on administrative formalities,
• Medical information on vaccines and medical requirements for travel,
• information on travel conditions and local living conditions,
• information on means of transport, accommodation, restaurants, shopping centers, leisure centers and other similar places,
• Information related to the vehicle such as workshops, gas stations, insurance companies.

5.2.2. Administrative management and advance payment of hospital abroad

If you need to be admitted to a medical center during your trip, we will help you manage the necessary administrative procedures. If they also request a payment guarantee and/or an advance payment, we will advance you up to the limit corresponding to the contracted modality if you have no other means to do so. In all cases we will require some type of guarantee or payment guarantee to advance you the money.

5.2.3. Reimbursement of administrative expenses for visa extension

We will pay the issuance fees and taxes you have to pay for the extension of your visa up to the limit corresponding to the contracted modality. In what case will we pay you? When you have suffered an event covered by this insurance that requires you to prolong your stay and extend the validity of your visa.

5.2.4. Advance payment of the amount of the criminal bail required abroad

If you need to pay a criminal bail bond during your trip abroad, we will advance you up to the limit corresponding to the contracted modality.

The reason for this bail must be that you have been imprisoned or prosecuted for a traffic accident abroad.

In all cases we will require some type of guarantee or payment guarantee to advance you the money.

5.2.5. Payment of legal assistance expenses abroad

If you have a traffic accident during your trip abroad and need legal assistance, we will pay up to the limit corresponding to the contracted modality.

What expenses will we pay? The attorney and solicitor fees you may need. If you already have this coverage in your vehicle insurance policy, we consider this payment an advance. When you receive payment from your vehicle insurance company, you will need to reimburse us the advance.

5.2.6. Communication expenses

We will pay you up to the limit corresponding to the contracted modality for the expenses you incur in contacting us when you need assistance. These expenses include telephone calls, faxes, or similar procedures.

In order for us to reimburse you for these expenses, you must send us copies of the invoices and proof of payment. The invoices or proof of payment must include a detailed breakdown of the charges.

5.3. What your policy does not cover

Important Information You should also consult the General Exclusions which refer to all the guarantees and modules of the policy.

5.4. Procedures in case of an accident

What you should do before and during your request for assistance: You must follow the instructions we give you and provide us with the information we request.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

5.5. Documentation that you must provide us:

• Copies of the expense invoices and proof of payment.
• Any document we request in order to manage your case.

6. Civil Liability

6.1. What your policy covers

If during your trip you are responsible for causing damage to a third party, we will pay compensation up to the limit corresponding to the contracted modality. What compensation will we pay? We will pay the financial compensation as established in Spanish Law (articles 1902 to 1910 of the Civil Code) or equivalent foreign laws. This includes compensation, payment of court costs and expenses, as well as court bonds. These compensations are those you have to pay as the person responsible for bodily injury or property damage caused unintentionally to people, animals or things. We will not pay when damages are caused to you, the policyholder, or any other insured parties under this policy. Nor will we pay to the following persons whose relationship with any of them is:

• Spouse or common-law partner
• Ascendants or descendants
• Any family member living in the same household
• Partners or employees.
• Anyone who has any kind of dependence on them.

6.2. 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 and modules of the policy.

The following are excluded:

• Any responsibility that may be incumbent upon you for driving motor vehicles, aircraft or watercraft, or for the use of firearms.
• Civil liability for professional, trade union, political or association activities.
• Any responsibility for the practice of dangerous or high-risk sporting activities.
• Fines or penalties imposed by a Court or Authority.
• Damage to objects entrusted to you.

6.3. Procedures in case of an accident

What you should do before and during your request for assistance:

1. You must inform us in writing of any incident that could give rise to a claim as soon as possible.
2. You must send us any document as soon as you receive it.

24-HOUR TRAVEL ASSISTANCE

Phone

900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

Documentation that you must provide us:

• Proof of payment of expenses. We will request the original if we deem it necessary.
• Evidence that proves the event (for example, a third-party claim, police report, accident report or injury report)
• Any document we request from you in order to manage your case.

7. Accident Insurance (death and disability)

7.1. What Your Policy Covers

7.1.1. Death by accident

• Up to the economic limit corresponding to the contracted modality.

The insurer guarantees payment of the established sum insured when, as a result of an accident, the insured's instant death occurs or death occurs, due to the evolution of the injuries suffered, within a period of one year from the date of the accident.

For children under 14 years of age or legally incapacitated, the death benefit refers exclusively to the funeral expenses that are actually justified, which in no case may exceed the sum insured for this coverage or a maximum amount of €3,000.

The amount of benefits paid for permanent disability, as a result of the same accident, is deducted from the benefits payable for death due to the same accident.

7.1.2. Permanent disability

• Up to the economic limit corresponding to the contracted modality.

The insurer guarantees payment of the established sum insured when the insured becomes Absolutely Permanently Disabled, which completely disables him from any profession or trade.

For these purposes, the risk of permanent total disability will only be considered to have occurred, after prior recognition of the same by means of a Resolution of the competent Administrative Body of Social Security or a final Judicial Resolution.

Limitation to coverage for partial and/or total permanent disability

In the event of an accident covered by the policy and affecting the partial and/or total permanent disability guarantee, the compensation will be reduced by the same percentage of disability suffered by the Insured prior to the date of the accident.

Accidents resulting directly from such pre-existing disabilities are completely excluded.

Scale for coverage of partial and/or total permanent disability

The disability percentages considered for Right and Left are based on a right-handed person. Therefore, if the insured is left-handed, which they must duly prove, the aforementioned percentages will be reversed.

Partial anatomical limitations and losses will be compensated proportionally to the total loss of the affected limb or organ. Absolute functional impairment of a limb or organ will be considered as a total loss of that limb or organ.

In cases of disability not covered by the scale, the amount of the benefit is determined by analogy, proportionally to its severity, according to a medical opinion issued by a Specialist in the assessment of bodily injury.

The degree of disability to be taken into account, when the same accident causes various anatomical or functional losses, will be calculated by adding the percentages corresponding to each of them without said degree being able to exceed one hundred percent (100%).

If the disability resulting from an accident is aggravated by a pre-existing defect, mutilation or functional limitation, the percentage of compensation will be the difference between that of the pre-existing disability and that which results after the accident. In the event of permanent partial disability suffered by the insured as a result of an accident covered by the policy, which leaves residual injuries requiring orthopedic prostheses, the insurer will pay the amount of the first prosthesis made for the insured, up to the amount of €600.

7.1.3. Maximum compensation per claim in case of death due to accident and/or permanent disability

The maximum compensation per claim, in each group policy, will be that indicated for the option contracted.regardless of the number of insured parties affected by the same loss. If this limit is exceeded, the compensation will be distributed proportionally based on the insured capital for each affected party and the number of insured parties affected.

7.1.4. Scope of coverage

The insurer guarantees up to the fixed sum, subject to the exclusions indicated in the General Conditions, the payment of compensation that may correspond in case of death or permanent disability as a result of accidents that occur to the insured during trips and stays away from their usual residence.

• 24-hour coverage. The insurer guarantees the payment of the compensation provided for in the event of a bodily accident, covered by the policy, occurring both in private life and in the exercise of one's profession.
• Coverage for accidents on public transportation. The insurer guarantees payment of an additional sum beyond the amount specified above in the event of a bodily injury covered by the policy, occurring while the insured is traveling as a passenger on public transportation. Coverage extends to accidents occurring while the insured is boarding or alighting from the means of transportation, as well as those occurring at stations, airports, or boarding terminals for said means of transportation.

7.1.5. Beneficiaries

The status of Beneficiary will correspond to the natural persons in whose favor the benefits subject to coverage are generated.

In the event of permanent disability resulting from an accident, the insured person will be the beneficiary of the insurance.

The express designation of Beneficiaries must be communicated via email to the address: policies_contracts@europ-assistance.es , always proving the status of Insured along with the name and ID of the designated Beneficiaries.

In the event of the insured's death due to an accident, and in the absence of an express designation made by the insured, the following preferential and exclusive order of priority shall apply:

• Spouse not legally separated or civil partner.
• Children or descendants, whether natural or adopted, as well as minors who are under the protection of the Insured in a pre-adoptive foster care arrangement, all of them in equal parts.
• Parents or ascendants in equal shares.
• Siblings in equal shares.
• Legal heirs

7.1.6. Indemnity clause by the Insurance Compensation Consortium for losses arising from extraordinary events in personal insurance

In accordance with the provisions of the consolidated text of the Legal Statute of the Insurance Compensation Consortium, approved by Royal Legislative Decree 7/2004, of October 29, the policyholder of an insurance contract that must necessarily include a surcharge in favor of the aforementioned public business entity has the power to agree to the coverage of extraordinary risks with any insurance entity that meets the conditions required by current legislation. Compensation arising from losses caused by extraordinary events occurring in Spain or abroad, when the insured has their habitual residence in Spain, will be paid by the Insurance Compensation Consortium when the policyholder has paid the corresponding surcharges in their favor and one of the following situations occurs:

a) That the extraordinary risk covered by the Insurance Compensation Consortium is not covered by the insurance policy contracted with the insurance entity.

b) That, even though covered by said insurance policy, the obligations of the insurance entity could not be fulfilled because it had been judicially declared bankrupt or because it was subject to a liquidation procedure intervened or assumed by the Insurance Compensation Consortium.

The Insurance Compensation Consortium will adjust its actions to the provisions of the aforementioned legal Statute, Law 50/1980, of October 8, on Insurance Contract, the Regulation of extraordinary risk insurance, approved by Royal Decree 300/2004, of February 20, and the supplementary provisions.

Summary of legal regulations

1. Extraordinary events covered

a) The following natural phenomena: earthquakes and tsunamis; extraordinary floods, including those caused by sea surges; volcanic eruptions; atypical cyclonic storms (including extraordinary winds with gusts exceeding 120 km/h and tornadoes); and falls of celestial bodies and meteorites.

b) Those caused violently as a consequence of terrorism, rebellion, sedition, riot and popular tumult.

c) Acts or actions of the Armed Forces or of the Security Forces and Corps in peacetime.

Atmospheric and seismic phenomena, volcanic eruptions, and the fall of celestial bodies will be certified, at the request of the Insurance Compensation Consortium, through reports issued by the State Meteorological Agency (AEMET), the National Geographic Institute, and other competent public bodies. In cases of political or social events, as well as in the event of damage caused by actions of the Armed Forces or the Security Forces or Corps in peacetime, the Insurance Compensation Consortium may request information from the competent judicial and administrative bodies regarding the events that occurred.

2. Excluded risks

a) Those that do not give rise to compensation under the Insurance Contract Law.

b) Those caused to persons insured by insurance contract other than those in which the surcharge in favor of the Insurance Compensation Consortium is mandatory.

c) Those produced by armed conflicts, even if there has been no official declaration of war beforehand.

d) Derivatives of nuclear energy, without prejudice to the provisions of Law 12/2011, of May 27, on civil liability for nuclear damage or damage caused by radioactive materials.

e) Those produced by natural phenomena other than those indicated in section 1.a) above and, in particular, those produced by the rise in the water table, movement of slopes, landslides or settlement of land, rockfalls and similar phenomena, unless these were clearly caused by the action of rainwater which, in turn, had caused an extraordinary flooding situation in the area and occurred simultaneously with said flooding.

f) Those caused by tumultuous actions produced during meetings and demonstrations carried out in accordance with the provisions of Organic Law 9/1983, of July 15, regulating the right of assembly, as well as during the course of legal strikes, unless the aforementioned actions could be classified as extraordinary events of those indicated in section 1.b) above.

g) Those caused by bad faith on the part of the insured.

h) Those corresponding to claims occurring before the payment of the first premium or when, in accordance with the provisions of the Insurance Contract Law, the coverage of the Insurance Compensation Consortium is suspended or the insurance is extinguished due to nonpayment of premiums.

i) Disasters that, due to their magnitude and severity, are classified by the Government of the Nation as a "national catastrophe or calamity".

3. Extension of coverage

1. Coverage for extraordinary risks will extend to the same persons and the same insured sums as those established in the insurance policies for the purpose of covering ordinary risks.

2. In life insurance policies that, according to the contract and in accordance with the regulations governing private insurance, generate a mathematical reserve, the coverage provided by the Insurance Compensation Consortium will refer to the capital at risk for each insured party, that is, the difference between the sum insured and the mathematical reserve that the issuing insurance company is required to have established. The amount corresponding to the mathematical reserve will be paid by the aforementioned insurance company.

4. Notification of damages to the Insurance Compensation Consortium

The request for compensation for damages whose coverage corresponds to the Insurance Compensation Consortium, will be made by communication to it by the policyholder, the insured or the beneficiary of the policy, or by whoever acts on behalf of and in the name of the above, or by the insurance entity or the insurance intermediary with whose intervention the insurance was managed.

1. Reporting damages and obtaining any information relating to the procedure and the status of claims processing may be done:

• By calling the Telephone Assistance Center of the Insurance Compensation Consortium (952 367 042 or 902 222 665).
• Through the website of the Insurance Compensation Consortium (www.consorseguros.es).

2. Assessment of damages: The assessment of damages that are compensable under insurance legislation and the content of the insurance policy is It will be carried out by the Insurance Compensation Consortium, without the latter being bound by the valuations that, where applicable, may have been carried out by the insurance entity that covered the ordinary risks.

3. Payment of compensation: The Insurance Compensation Consortium will make the payment of compensation to the insurance beneficiary by bank transfer.

7.2. 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 and modules of the policy.

1. In general, the insurer will not cover the following accidents, illnesses or injuries, or their consequences:

a) Those occurring before the effective date of the policy, even if they manifest themselves during its validity, nor those manifested after 365 days have elapsed from the date of the loss.

b) Damages caused by events or phenomena that are covered by the Insurance Compensation Consortium, according to the legislation in force at any given time.

c) Accidents that occur in the exercise of a professional activity, except those of a commercial, artistic, or intellectual nature that do not require physical or intellectual effort.

2. Claims that are a consequence of or arise from the following are excluded:

a) Those intentionally caused by the insured or the policy beneficiaries. If there are several beneficiaries, those not involved will retain their full right to the entire insured capital.

b) Reckless imprudence, gross negligence and/or participation of the Insured in bets, challenges, duels, fights or criminal acts, except as indicated in letter d) of the section Consideration of accident of the PRELIMINARY Art.

c) The professional practice of any sport. As well as the amateur practice of: water sports more than 3 km from the shore or coast; scuba diving to depths greater than 20 meters; aerial activities and parachuting; motor racing, motorcycling, and speed competitions; climbing, high-altitude mountaineering, and caving; horse riding and polo; boxing, wrestling, and martial arts; ice skating, ice hockey, and skiing; big-game hunting outside of Spain; bullfighting and running of the bulls; and so on as well as any other sport or activity whose risk may be considered similar to those mentioned.

d) Driving motor vehicles if the Insured is not in possession of the corresponding administrative authorization.

e) Food or drug poisoning.

f) Injuries that are a consequence of surgical interventions or medical treatments that were not caused by an accident.

g) Nuclear reaction or radiation and radioactive contamination, except for the consequences of treatments applied to the Insured due to an accident.

h) The rescue of people in mountains, seas, jungles or deserts. Sunstroke, frostbite and other consequences of weather conditions not caused by an accident.

i) Accidents suffered by the Insured while intoxicated, that is, when the blood alcohol level is higher than that established by the regulations in force at the time of the accident or under the influence of toxic drugs or narcotics.

j) Bodily injuries resulting from an accident covered by the policy that have not manifested or been proven within 365 days following the date of the accident.

k) Injuries resulting from illness, cerebrovascular conditions, epilepsy, mental alienation, syncope.

l) Heart attack, unless declared as a work-related accident by the competent labor authority. In order to be compensated as a result of a myocardial infarction, it is required that this was the sole and immediate cause of death or disability.

m) High myopia.

n) If the consequences of an accident are aggravated by a pre-existing illness or condition, or by a condition that arises after the accident but is independent of the accident itself, the insurer is only liable for the consequences the accident would have had without the aggravating influence of such illness or condition. If it is not possible to determine the degree to which the pre-existing injuries or conditions contributed to the resulting disabilities, it will be understood that they contributed 50% to the accident.

o) Accidents resulting directly from a pre-existing disability.

3. Under no circumstances will coverage apply, even if resulting from an accident, to hernias of any kind, lower back pain, neck pain and upper back pain of any etiology, varicose veins, aneurysms; strokes- ocular pains unless they are a direct consequence of an accident covered by the policy, and all pains whose cause cannot be objectively determined by the usual diagnostic means.

Uninsurable persons

1. Unless expressly agreed otherwise, the insurance shall be null and void:

a) For people suffering from blindness or severe myopia (more than 12 diopters), complete deafness, paralysis, epilepsy, mental alienation, alcoholism, and those who have suffered strokes or “delirium tremens”.

However, the insurer may accept, by express agreement, coverage for persons affected by any of the injuries, chronic illnesses or physical or mental disabilities indicated above. Should the illnesses or circumstances listed in the previous paragraph appear after the policy has come into effect, the Insured must immediately inform the insurer, who, if they do not accept the continuation of the policy, will refund the portion of the premium corresponding to the unused period of the current year, from the date of notification.

b) For persons whose age at the time of the incident is 70 years or older.

2. Unless otherwise agreed, at the end of each insurance period, those who have reached seventy years of age during that period will be removed as insured persons.

However, the insurer may, at its discretion, accept policyholders over 70 years of age to remain insured, subject to the terms permitted by its underwriting regulations. In these cases, premiums, coverage, and subsidy amounts may be subject to change.

3. For persons who, on the effective date of the policy, are in a situation of temporary incapacity, or processing the application for declaration before any body or organ of the Social Security or, where appropriate, before the competent body of the autonomous community, of the situation of Partial Permanent Incapacity for the usual profession, of Total Permanent Incapacity for the usual profession or of Absolute Permanent Incapacity for all work or of Great Incapacity.

7.3. Procedures in case of an accident

What you should do before and during your request for assistance:

You must contact us and follow our instructions. We will let you know what documentation we need to process your case.

Phone

24-HOUR TRAVEL ASSISTANCE 900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number.

Please inform us of your situation and the type of assistance you need.

Optional Module

1. Trip cancellation

You can extend your policy by purchasing this optional Trip Cancellation Coverage for trips not yet started

1.1. What your policy covers

We will reimburse you for the cancellation fees that your travel provider(s) bill you for and that you have paid according to the terms and conditions of sale. up to the limit corresponding to the contracted modality if you have to cancel your trip before starting it. You must cancel the trip before the start date and notify the supplier(s).

What cancellation fees do we pay? The costs for the cancellation of:

• transportation,
• the accommodation,
• other concepts and services included in the travel invoice or in separate invoices.

What expenses do we not pay?

• the cost of this insurance

This guarantee is valid until the day and time your trip is scheduled to begin. The covered events that prevent you from traveling must occur more than 72 hours after you purchased the insurance. This limitation does not apply if you purchase the insurance at the same time as your trip. The covered events that prevent you from traveling on the scheduled date are as follows:

For health reasons:

1. serious illness, serious bodily injury or death of:
   • you
   • a relative of yours in the first or second degree of kinship
   • the person who was taking care of their minor or disabled children in their care
   • the insured's legal guardians
   • your professional replacement
   • his direct supervisor in his workplace, provided that this circumstance prevents him from carrying out or continuing the trip due to the requirements of the company he works for.
2. Death of a relative up to the third degree of kinship.
3. If you or a first-degree relative of yours are unexpectedly called for a surgical procedure, provided that you were already on the waiting list before taking out the policy.
4. If you or a first-degree relative of yours are called to undergo medical tests, carried out by Social Security, provided that the seriousness of the case justifies them.
5. If you, your spouse, or registered domestic partner in the corresponding Official Registry have complications during pregnancy and your attending physician prescribes bed rest, provided that the pregnancy is considered high-risk.
6. Premature birth of the Insured, their spouse, civil partner or person who permanently lives with the Insured as such
7. If you, your spouse, or registered civil partner suffers a miscarriage.
8. If you or a first-degree relative of yours are scheduled for an organ transplant, provided that you were already on the waiting list before taking out the policy.
9. If any of your children or siblings under the age of two who are covered by this insurance become unexpectedly ill.
10. If you suffer from an unforeseen illness that, according to your attending physician, prevents you from carrying out the sporting or recreational activity that is the purpose of the trip.

For legal reasons:

11. If you are summoned as a party, witness in court, or member of a jury.
12. If you are summoned as a member of an electoral board.
13. If you are detained by the police (provided it is not for a crime).
14. If you are summoned for proceedings related to your divorce.
15. If you are going to be given a child for adoption on the dates planned for your trip.
16. If your visa is denied without a justified reason by the consulate.
17. If you are summoned by an official body to go and sign a document in person.
18. If you are given a traffic fine exceeding 600 euros on the dates planned for the trip, provided that both the infraction and the fine occur after the policy is taken out.
19. If your driving license is withdrawn and none of the companions can replace you in driving the vehicle, provided that this was the means used to make the journey.

For work-related reasons:

20. If you are dismissed from your job, it must be a non-disciplinary dismissal.
21. If you start a job at a new company where you haven't 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, not the TEA.
22. If you have to take official competitive examinations on the dates of your trip, either as a candidate or as part of the examination board.
23. If your employment contract is extended.
24. If you are required to relocate and have to change your address to another province.
25. If your working hours are reduced, totally or partially, due to the filing of a Workforce Adjustment Plan by the company where you are employed.
26. If one of the insured's parents, who paid for the trip, is dismissed from their job, it must be a non-disciplinary dismissal.
27. If the company you are employed by imposes a justified and unforeseen change to your previously granted vacation within 12 days before the start of your trip

Due to extraordinary circumstances:

28. Serious damage to your residence (primary or secondary) or business premises, when your presence is essential. We will consider damage caused by fire, theft, explosion, flood, or natural disasters to be serious.
29. If you are unable to start or continue your journey because acts of air, land or sea piracy have occurred at any point along the route.
30. If the Authorities officially declare the place from which you begin your journey or the destination of your journey a “disaster zone”.
31. If a terrorist act or natural disaster, officially declared by the authorities, occurs at your destination. This must happen within 30 days before or during your trip and within 50 km of your destination.
32. If your company is declared bankrupt.
33. If you are required to join the Armed Forces, Police or Fire Department urgently and without exception.
34. If your attending physician prescribes a medical quarantine, including for risk of contagion.

Other reasons:

35. If you receive a parallel income tax return issued by the Ministry of Finance for an amount exceeding 600 euros.
36. If you cancel the trip because you have won a similar one in a public draw before a notary.
37. If your travel documents or luggage are stolen during your trip and you are unable to start or continue your trip for that reason.
38. 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 or continue your trip.
39. If you are awarded an official scholarship that coincides with the dates of your trip.
40. If you cancel your wedding ceremony (duly accredited) and the purpose of the trip is a honeymoon trip.
41. If you or your children living with you are changed to a different school after the start of the school year.
42. Death, serious illness or serious accident of your pet.
43. If you decide to cancel the cruise that is the subject of the trip due to a flight delay of more than 6 hours.

When you cancel your trip for any of the insured reasons, we will also pay the cancellation fees for your immediate family members traveling with you, as well as the fees for up to two companions when these requirements are met:

• that they have travel insurance with us and with coverage for the same travel dates
• that can justify that the destination and travel dates are the same:

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 travel reservation as you,
• are in their care during the trip and
• You cancel your trip for any of the insured reasons.

We will not pay the cancellation fees for minors if the policyholder is a legal entity, and the person cancelling:

• is an employee of, or professionally related to, the policyholder,
• and is responsible for the minors

If you are unable to make your trip due to any of the insured reasons, you can 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 your trip, we will cover any costs incurred due to the changes if they are less than the cancellation fee. In either case, you waive your right to claim any other expenses related to the trip cancellation.

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 and modules of the policy.

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 due to these diseases will also be excluded, unless prescribed by your attending physician.
• Diseases caused by air pollution and/or contamination.
• 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 their life is at risk.
• Any cause that requires you to cancel or interrupt the booked trip is expressly excluded if it is not described as a covered cause in the corresponding article.
• Cancellation or interruption of the trip due to lack of vaccination, 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 or force majeure circumstance that implies not being able to carry out the activity planned for the trip, except for coverage of official declaration of catastrophic 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.
• Their desire not to travel or not to be enjoying their trip.

Important clarification

You will not be entitled to this coverage if you have not purchased this option in your policy.

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. We will only pay the cancellation fees corresponding to the date on which the reason for the cancellation occurs.

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.

1.4. Documentation that you must provide us:

• In order for us to pay the cancellation fees for your trip, you need to send us:
  • Proof issued and stamped by a third party indicating the reason that makes it impossible to travel on the scheduled date.

This receipt:

• It must be done by a qualified professional.
• You cannot do it, nor can a direct relative, companion, or one of your employees.
• You must include the reason why you cancelled the trip and the date on which that reason occurred (hospitalization, death, accident…).

For example: medical report issued by the doctor who treated you, death certificate, fire department report, police report insurance company… We consider as a “third party” anyone who is not you, nor a direct relative, companion or employee of yours.

• 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 specialist 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 medications that the doctor has prescribed
• proof of payment for these medicines
• Copy of the invoice and/or receipts for payment of your trip to the supplier or suppliers.
• Copy of the invoice for the cancellation fees and the receipts you have paid
• for the expenses of cancelling your trip.
• Any document we request in order to manage your case.

The expenses we pay you will be those billed to you by your service provider(s) in accordance with the correct application of the sales conditions.

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.

Advice

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

2. Pre-existing conditions

The Preexisting Conditions module is an optional guarantee that you can add to your travel insurance (Viajero, Viajero Plus, Viajero Premium). Only if you purchase the PRE-EXISTENCE and CANCELLATION modules for your trip will you be able to cancel it for the reasons indicated below. If you purchase the PRE-EXISTING module and NOT the CANCELLATION module, you will not be covered to cancel your trip.

This guarantee provides you with extra protection during the term of your policy if, before your trip, you suffer from an illness or injury as indicated below.

2.1. What Your Policy Covers

Medical expenses for pre-existing conditions: What medical expenses do we pay?

• The necessary medical care for any other pre-existing or chronic conditions that may present an unforeseen complication during the trip, always under the criteria of our medical team or
• in cases of life-threatening emergency due to an unforeseen complication of a chronic or pre-existing illness, or mental illness, until stabilization is achieved so that:
  • a) you can continue your journey or
  • b) we can transfer you to your usual home or a nearby hospital, according to the conditions indicated in the "Medical transfer of sick or injured" coverage.

What amount do we pay? Up to the limit corresponding to the modality contracted by each insured and contracted period, during the validity of the insurance.

2.2. Trip cancellation due to pre-existing conditions

If you have contracted the PRE-EXISTENCE module and the CANCELLATION module, you will be able to cancel your trip for the insured reasons defined in the CANCELLATION module.

In the event that you have to cancel your trip due to a pre-existing or chronic illness, or a pre-existing mental illness, we will consider as serious any unexpected worsening that occurs or is expected to continue within 30 days prior to the start of the planned trip, and that such illness requires:

• Hospitalization for at least 24 hours (we also consider a stay in the emergency room as hospitalization)
• remaining at rest or ceasing any activity, whether professional or private.
• a new treatment active on the dates of travel.
• Additional tests during the travel dates.

It will always be necessary that it takes place after the contracting of the policy and that the attending physician advises against the start of the trip on the date foreseen in the medical report.

It will be necessary to provide all the evidence that allows the medical process to be documented and proven conclusively.

What cancellation fees do we pay? The costs for the cancellation of:

• transportation,
• the accommodation,
• other concepts and services included in the travel invoice or in separate invoices.

What amount do we pay? Up to the limit corresponding to the modality contracted by each Insured and contracted period, during the validity of the insurance.

What should you keep in mind?

1. If the illness can be treated or resolved after returning to your usual residence, we will preferentially choose this option. The decision will be based on clinical criteria as assessed by our Medical Service.
2. We will pay for the necessary materials for an emergency intervention covered by this guarantee, according to the criteria of our medical team, including any orthotics and prosthetics that may be needed.

Important Information This policy is not private health insurance. It only covers emergency medical expenses necessary to stabilize your condition and allow you to continue your trip or be transferred to your usual residence or the nearest hospital.

2.3. 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 and modules of the policy.

In general, the following pre-existing conditions are excluded:

• Tumors of any nature that are under active treatment and/or that at the time of travel are progressing or not under control (recent change of treatment regimen).
• Chronic lung disease defined as that with the need for chronic home oxygen and that has presented more than two exacerbations in the last year.
• In patients with inflammatory, immune or genetic pathologies who routinely require treatment with recombinant or immunomodulatory drugs, the use of these drugs is excluded.
• Severe cardiac dysfunction of any etiology that has presented at least two decompensations in the last 12 months.
• Severe liver failure (encephalopathy or bleeding from esophageal varices in the last year).

If you have purchased the cancellation module, please also review the Cancellation module exclusions.

Important Clarification You will not be entitled to this coverage if you have not purchased this option in your policy.

2.4. Procedures in case of an accident

What you should do before and during your request for Assistance:

1. You must inform us of your illness or accident as soon as possible. In the event of force majeure that prevents you from making this notification, you must do so as soon as the cause preventing you ends.
2. You must inform us of the incident within a maximum of 7 days from the moment you became aware of it. If you fail to do so, we may claim for any damages incurred as a result of your failure to inform us.

We will provide the necessary instructions for the requested service to be provided.

Phone

24-HOUR TRAVEL ASSISTANCE 900 903 326 (from Spain) (+34) 91 514 99 62 (from abroad)

Please provide your policy number, name and surname, location and contact telephone number. Please inform us of your situation and the type of assistance you need.

2.5. Documentation that you must provide us:

In all cases you will need to provide us with:

• A medical report that is as complete as possible. It must have been issued at the location where the assistance was needed.
• If the medical report is handwritten and/or was not issued by a specialist physician, and our medical team requests it, you will need to send us:
  • a copy of the prescription for the medicines that the doctor has prescribed and
  • proof of payment for these medicines.
• Complete medical report issued by the treating physician for your Preexisting or Chronic Disease.
• Copy of the medical expenses invoice and proof of payment. We will request the original if we deem it necessary.
• Any other document that we may request in order to manage your case.

General exclusions

Important notice You will not be covered by this policy if you travel to a country, region or area to which a government authority in your country of habitual residence has recommended against travel or only travel 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. Rescue of people in mountains, caves, sea or desert.
4. Their participation as a professional in any sporting activity.
5. The consequences arising from the practice of winter sports
6. Any act of war, including civil, foreign or invasion, whether officially declared or not, except as indicated in the relevant guarantees
7. Demonstrations, riots, insurrections, revolutions, popular tumultuous movements, sabotage, except as indicated in the corresponding guarantees
8. Acts of terrorism, strikes, except as indicated in the corresponding guarantees.
9. The transmutation of the nucleus of the atom, as well as the radiations caused by the artificial acceleration of atomic particles.
10. Natural disasters, earthquakes, floods, volcanic eruptions, and, in general, those resulting from the unleashing of the forces of nature. Any other extraordinary catastrophic phenomenon or event that, due to its magnitude or severity, is classified as a catastrophe or calamity.
11. Any person who is not listed as the Insured in the policy.
12. Failure to comply with the laws or regulations in force at the time the event occurs.
13. In general, those accidents that occur as a result of the exercise of a professional activity are excluded, except those of a commercial, artistic, or intellectual nature that do not require physical or intellectual effort.

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 are required to pay these costs, we will only reimburse you for your share.

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.

Payment of the premium will also be valid if it reaches us through a broker or insurance agent on behalf of the Policyholder.

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 claims 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.

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.

Policyholders, insured parties, beneficiaries, injured third parties or successors of any of the above may submit complaints in the "Customer Defense" section of the website, or by writing to the Claims Service:

E-mail

COMPLAINTS AND CLAIMS SERVICE claims.es@generali.com

Address postal

Complaints and Claims Service Generali Spain, SA Insurance and Reinsurance Pl. de Manuel Gómez-Moreno, 5, 28020 Madrid.

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 complaint.
• 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 Claims Service of the Directorate General of Insurance and Pension Funds.

The contact details are:

GENERAL DIRECTORATE OF INSURANCE AND PENSION FUNDS

Website

http://www.dgsfp.mineco.es/es/Consumidor/Reclamaciones/Pages/ProcedureInformation.aspx

Address postal

GENERAL DIRECTORATE OF INSURANCE AND FUND PENSIONS Paseo de la Castellana, 44 28046 MADRID

4.4. Legislation and jurisdiction

You, as the insured, and we, as the insurer, submit to Spanish law and jurisdiction for the purposes of this policy.

The competent judge for hearing actions arising from the policy will be the one in the insured's habitual residence in Spain.

4.5. Control

We, GENERALI ESPAÑA SA DE SEGUROS Y REASEGUROS, are a Spanish insurance company whose administrative control body corresponds to the Ministry of Economy and Competitiveness, through the Directorate General of Insurance and Pension Funds, the control of the Insurance activity and the protection of the freedom of the Insured to decide on the contracting of insurance and the maintenance of the contractual balance in the insurance contracts already entered into.

Coverage and limits

1. Viajero

2. Viajero Plus

3. Viajero Premium

SUPPLEMENTARY MODULES

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. Dom. Noc.: Pl. de Manuel Gómez-Moreno, 5, 28020 Madrid. Tax ID: A-28007268. Madrid Commercial Registry, Sheet M-54.202. generali.es